In Cincinnati, rising housing costs are putting a strain on homeowners, and many are turning to WIN’s HUD-certified counselors for help. Through September 2025, Hamilton County recorded 860 foreclosure filings just within the city.
Melanie Daniels, a housing counselor with WIN, sees firsthand how quickly families can find themselves in a crisis. “Foreclosures aren’t rising because people are careless—they’re rising because one emergency now costs more than a month’s paycheck, and too many families are living one crisis away from losing everything,” she explains. Counselors like Daniels provide free, personalized guidance. They work closely with homeowners to explore options such as repayment plans, loan modifications, or other solutions that can help families stay in their homes.
Daniels emphasizes that many homeowners simply don’t know where to begin when they fall behind on payments. Homeowners who contact us as soon as they think they might miss a mortgage payment are much more likely to find workable solutions before foreclosure becomes inevitable. Counselors can also connect clients with resources for housing stability, financial education, and local support programs.
“By reaching out to trained counselors, families can protect their homes and take steps toward long-term financial health,” S. Barbara Busch, Executive Director of WIN, says. “Even in tough times, there is hope—and our team is here to help make sure no one faces this challenge alone.”
If you or someone you know is wondering if they can make that mortgage payment, call WIN at 513.541.4109 and speak with a housing counselor.