Purpose

Prevention of mortgage foreclosure promotes ROMA National Goal #1: Low-Income People Become More Self-Sufficient by assisting low-income families to maintain home ownership.

Description

Please LET US KNOW if you have suggestions of any FORECLOSURE ASSISTANCE items that might be added.

Foreclosure Assistance Resources are presented below under the following categories:

• Community Action Agency Initiatives
• NeighborWorks® Center for Foreclosure Solutions
• Foreclosure-Response.org
• Federal Agencies
• State Initiatives
• Other Resources 

Community Action Agency Initiatives 

• CAAs included with the Listing of HUD Approved Housing Counseling Agencies by State offer mortgage delinquency and foreclosure prevention counseling.
• Foreclosure Prevention Services – Community Action Partnership of Suburban Hennepin (MN)
  • Foreclosure Counseling Checklist
  • Foreclosure Process in Minnesota
  • Tips for Talking with Your Lender
  • Foreclosure Prevention Hotline Job Posting
  • Funding for Mortgage Foreclosure Prevention
• Foreclosure Assistance Hotline – City of Coon Rapids, MN
  • Homeownership Preservation Foundation – Common Myths - HPF Fact Sheet
  • Foreclosure Prevention Facts – Anoka County CAP
• Foreclosure Prevention Program – West CAP (WI)

• NeighborWorks® Center for Foreclosure Solutions 
  • Resources for Foreclosure Professionals....Counseling....Research & Reports....Marketing Resources
  • NeighborWorks® Member Organizations (locator by state or zip code)
• Foreclosure Help and Hope
  • The Basics - Free foreclosure prevention counseling by expert counselors at HUD-approved agencies available 24/7 to any homeowner in America having trouble paying their mortgage
  • Tips to Avoid Foreclosure
  • Campaign Central (PSA Materials)
  • Success Stories
• How to Avoid Foreclosure and Protect Home Equity (brochure)

Maintained by the Center for Housing Policy, KnowledgePlex, Local Initiatives Support Corporation (LISC), and the Urban Institute

• Getting Started - Q&As on Foreclosure Prevention and Neighborhood Stabilization
• Policy Guide - Understand Why Foreclosures Matter....Develop a Coordinated Response Strategy....Prevent Foreclosure, Keep Families in Their Homes....Secure and Maintain Vacant Properties....Bring Foreclosed Properties Back Into Use....Help Owner and Renter Families Recover
• Maps & Data
• Forums on Foreclosure Prevention and Neighborhood Stabilization
• HousingPolicy.org

Federal Agencies

• HUD: Keep Your Home. Know your Loan.
  • Certified Housing Counseling Agencies – en Español
  • "Keep Your Home. Know Your Loan Toolkit"
    • Fact Sheet
    • PSA's and Print Advertisements
    • Logo and Business Cards
  • Guide to Avoiding Foreclosure
  • Avoiding Foreclosure Resources in Your State
  • How to Avoid Foreclosure Brochure
  • Help for Homeowners Facing Losing Their Home
• Federal Housing Administration – My Money, My Home, My Future
  • My Money - Building a Financial Foundation
  • My Home - Sustaining Healthy Homeownership
  • My Future - Achieving Financial Security
• Freddie Mac – Avoiding Foreclosure
  • Avoiding Mortgage Fraud
  • Recognize the Warning Signs of Foreclosure
  • Early Steps You Can Take to Avoid Foreclosure
  • Do’s and Don’ts If You Are in the Midst of a Foreclosure
  • Know Where to Get Help

Protect Yourself from Mortgage Fraud

• Federal Reserve Board – Are You in Need of Cash? – Putting Your Home on the Line is Risky Business
• Federal Trade Commission – Mortgage Payments Sending You Reeling? Here’s What to Do 

State Initiatives

• DE: Delaware Foreclosure Information – Tips for Preventing Foreclosure Brochure
• IN: Indiana Homeownership Education and Counseling Certification Handbook (July 2007)
• MA: Massachusetts Legislature Passes Foreclosure Aid Bill
• MD: Maryland Foreclosure Counseling Services Law and Maryland Homeowner Preservation Task Force Report (November 2007) – CAA’s on the Task Force: Maryland Rural Development Corporation, Southern Maryland Tri-County CAA, and Garrett County CAC
• MN: Minnesota Homeownership Center – Mortgage Foreclosure Prevention and Greater Minnesota Foreclosure Summit (June 2007) plus Facing Foreclosure Brochure from the Minnesota Office of the Attorney General
• OH: Ohio Foreclosure Prevention Task Force Report (September 2007)
• PA: Report to Pennsylvania House of Representatives – Losing the American Dream: A Report on Residential Mortgage Foreclosures and Abusive Lending Practices and in Pennsylvania (March 2005) – Community Action Committee for the Lehigh Valley on the Advisory Committee
• VA: HOME/Housing Opportunities Made Equal of Virginia – How to Help Yourself Avoid Foreclosure Self-Help Kit plus Complete Foreclosure Prevention Intake Forms Packet and How to Avoid Foreclosure of Your Home (brochure)

Other Resources

• Foreclosure Prevention Resource Center – Mortgage Bankers Association
  • 12 Things You Should Know When You Call Your Lender
  • Foreclosure Prevention Contact Information
• Save the American Dream – National Training and Information Center
  • Foreclosure Facts
  • Home for the Holidays Campaign
  • Neighborhood Tours
  • Platform: Common Sense Solutions to Protect America
• ACORN (Association of Community Organizations for Reform Now)
  • ACORN Foreclosure Web Site
  • Ten-Point Plan to Save Our Homes and Neighborhoods from Predatory Lenders
• GAO Report: Home Mortgage Defaults and Foreclosures: Recent Trends and Associated Economic and Market Developments (October 2007) – Summary
• Massachusetts Division of Banks Steps Up in the Fight Against Mortgage Fraud
• FBI to Focus on Area Mortgage Loan Fraud
• Certified Housing Counselor Certification Program – Association for Financial Counseling, Planning, Education (AFCPE)
  • Curriculum Info
  • Newsletters
• Homeowner Crisis Resource Center (en Español) – National Foundation on Credit Counseling (NFCC)
  • Mortgage Reality Check Quiz for Homeowners
  • Useful Homeowner Information and Tools
  • Foreclosure “Rescue” Scams
• Early Delinquency Intervention: Saving Your Home from Foreclosure – Consumer Credit Counseling Service of San Francisco
  • Assessment – Early Delinquency Intervention Worksheet
  • Primary Options
  • Secondary Options
  • Delinquent Mortgage – Sample Lender and Creditor Letters
  • Foreclosure

Outcomes

Prevention of mortgage foreclosure promotes ROMA National Goal #1: Low-Income People Become More Self-Sufficient by assisting low-income families to maintain home ownership.