Please find attached a guide for persons who have experienced foreclosure and next steps toward rebuilding your credit and stability. This guide was developed by Michigan State University.
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This guide provides resources for those facing foreclosure and how to request a loan modification or other loan resolution and housing counseling agencies that may be able to assist you.
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For the basics on understanding foreclsoure, visit: https://www.usa.gov/foreclosure
The Making Home Affordable (MHA) program provides help, including free counselors for advice and assistance with keeping you in your home or getting out safely. Visit the MHA website to learn what options you have and what you need to prepare. MHA has a hotline you can call anytime: 1-888-995-HOPE (tel:18889954673) or TTY 1-877-304-9709.
You can also find a foreclosure avoidance counselor in your area.
Your state's housing agency might have a foreclosure avoidance program as well.
If you have an FHA loan, call the FHA National Servicing Center at 1-877-622-8525.
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Federal banking regulators have launched a foreclosure review process. Certain current or former homeowners who were the victims of abuses or errors by mortgage servicers will be eligible for compensation...
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The Office of the Comptroller of the Currency or (OCC) is an arm of the United States Department of Treasury. The OCC’s primary mission is to charter, regulate, and supervise all national banks and federal savings associations. You can file a complaint with the OCC against the bank online at: http://www.helpwithmybank.gov
Consider your answers to the following before you begin your online complaint:
Select only one of the following methods to file your complaint.
How to file a complaint when there is discrimination in lending:
FHEO HUB Office
909 1st Ave., Ste. 205, OAE
Seattle, WA 98104
(800) 877-0246, (206) 220-5170, TDD(206) 220-5185
“The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the federal government.”
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HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.
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Whether you're in foreclosure now or worried about it in the future, we have information that can help.
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Your home is likely your most valuable asset, and you have an interest in maintaining ownership, protecting your equity and preserving your credit rating. This manual describes how you can better protect yourself from scams and deceptive business practices aimed at homeowners. Mortgage fraud, foreclosure rescue schemes and other deceptive practices have invaded our state, offering empty promises and stealing the dream of home ownership. Both Idaho and federal law offer some protections against mortgage fraud. Some of these laws are discussed in this manual. However, prevention is the best remedy for combating fraud, and you can best protect yourself by understanding your rights and obligations as a homeowner.
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The National Consumer Law Center, Inc. has created a free chapter on Homeowner Rights During the Covid-19 Pandemic. This Chapter covers issues such as Fannie Mae, Freddie Mac, Federal Housing Agency (FHA), VA, and USDA mortgage loans, state-based pandemic-related relief, portfolio and private label securities, and foreclosures.
This Chapter is accessible for free here: https://library.nclc.org/free-access-new-chapter-homeowner-rights-during-covid-pandemic.
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Idaho Legal Aid Services puede ofrecerle servicios a propietarios de casa quienes están pasando por
problemas de ejecución de casa. Este programa no es disponible para inquilinos. No podemos aceptar
clientes donde se ha entablado procedimientos de ejecución judicial o si han entablado documentos en el
tribunal ( corte )...
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Below is a module created by Idaho Legal Aid Services related to common legal issues surrounding seniors or the elderly and protecting their home in relation to issues like Medicaid, foreclosure, deed, reverse mortgages, and letting others reside with you.. The module is available in English and Spanish.
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This brochure provides information on how to protect your rights before and after a foreclosure.
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Please find attached a template letter that you can use to request information from your mortgage servicer for information regarding escrow accounts if your mortgage loan is currently in forebearance.
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The Federal Reserve Banks of Atlanta and San Francisco created A Resource Guide for Foreclosure Recovery to help persons undergoing foreclosure prepare for the recovery process.
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A predatory mortgage is a needlessly expensive home loan that provides no financial benefit to the borrower in return for the extra costs. In many cases, homeowners are deceived about the loan's true costs and terms or are pressured into signing loans they cannot afford. Many of these homeowners lose their homes to foreclosure.
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