SAGINAW, Mich. -- The news on the housing front just seems to be getting worse and now new numbers show nearly 1 million homes have been foreclosed on across the country.

Michigan now ranks in the top six for foreclosed homes.

The news is not coming as a shock to many in the Great Lakes Bay Region who’ve experienced the collapse first-hand.

WNEM TV5 spoke with a 31-year-old Saginaw resident who only wanted to be identified as Renee.

“I’m a divorced mom of three; my kids are 14, 12 and 9,” she said.

She said she’s had one of the roughest years’ of her life. Like hundreds of others in Mid-Michigan, Renee was worried about losing her home to foreclosure.

“They’re rude; they have no understanding," said Renee. "You just get to the point where you hate to see your phone ringing.”

Several months ago, the warning letters started pouring in and the collection calls wouldn’t stop.

Not knowing where else to turn, Renee called Circle of Love in Saginaw.

The nonprofit organization has helped thousands of people save their homes after teetering on the brink of foreclosure.

Renee said the group helped keep her and her family from becoming homeless.

“They helped me save my home; I got the good news today," said Renee. "Everything went through and they actually got me a better interest rate and payment plan than when I first got my house.”

So far in 2009, nearly 600 homes have been foreclosed in Saginaw County, 330 in Bay County and in Genesee County, a whopping 2,446 homes have been repossessed by financial institutions.

Several Mid-Michigan organizations, including Circle of Love, can help those worried about foreclosure with loan modifications and forbearance agreements for free.

TV5 would like to hear from you. Tell us about your foreclosure or mortgage modification stories.