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foreclosure help

 
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Starshine  

Nevada Foreclosure Help

Dec 10, 2010

CLICK HERE

The Governor’s Office, in conjunction with the Nevada Department of Business & Industry, is actively working to meet the challenges presented by the current sub-prime mortgage lending situation. The information listed here will assist you in finding the help you need to prevent a foreclosure if possible. We want to work together to help keep you in your home if at all feasible. Contact your mortgage lender immediately and be honest about your financial situation. Or, contact a housing counselor to discuss your options.


Foreclosure Mediation HOTLINES
775-687-9816 (Northern Nevada)          702-486-9380 (Southern Nevada)
 
Nevada Foreclosure Mediation: http://foreclosuremediationnv.org


Report a loan mod scam!
         

Need foreclosure help?
 
CLICK HERE for a list of FREE housing counselors!!

 
   

Mortgage Help & How To Get It!

Is Mortgage Modification for You?

Turn your “trial” modification into a permanent one! (pdf)

List of Eligible Loan Modification Companies (pdf)

Who qualifies for mortgage help & how to get it!

Foreclosure and Your Pets

Foreclosure Counseling & Other Services

Stimulus Plan Resource Guide - Download it here!

888-995-HOPE Hotline

Nevada 2-1-1z

Your private mortgage insurer may be able to help with foreclosure.

Who do I contact for Landlord/Tenant Disputes?

Bank Homeowner Assistance

Chase, WaMu or EMC mortgage?

Bank of America/Countrywide

Bank of America Homeowner Relief

Citi

JP Morgan Chase
x

Press Releases

Click for Press Releases

Electronic Emails

 
    Receive information electronically?

Media

Recovery.Gov
 

Nevada Internet Privacy Policy
     
“Stop Foreclosure Fraud” Toolkit: In both English & Spanish
1) bookmark (pdf)    2) postcard (pdf)  3) letter (pdf)

 
 

Foreclosure Options
ArrowIinterest rate increasing?
ArrowWorried about making your next payment?
ArrowMissed 1, 2, or 3 payments?
ArrowIs a short sale right for you?

Steps to prevent foreclosure
   

Contacting Your Lenders
ArrowHow to contact your lender
ArrowInformation to have ready when you call your lender
ArrowWhat to do throughout the foreclosure process
   

How Foreclosure Works   
ArrowHow does foreclosure work?
ArrowWhat are my options?

 
   

Foreclosure & Renters
ArrowRenter information
ArrowIs your rental in foreclosure?
ArrowLandlord facing foreclosure?
ArrowCurrent Legislation
ArrowRenters: Received an eviction or auction notice?

Avoiding Scams

Arrow Avoiding Foreclosure Rescue SCAMS!

ArrowBeware of Foreclosure Rescue and Loan Modification Scams
ArrowCommon Foreclosure Scams to Avoid
Arrow Find Legitimate Loan Modification Help!
   

Q & A
ArrowQuestions and Answers
ArrowConsumer Home buying tips
ArrowUnderstanding Your Loan
Arrow Reverse Mortgages
   

Brochures
ArrowNevada Fight Fraud Brochure
   Nevada Fight Fraud Letter Size Card
   Nevada Fight Fraud Postcard Size
ArrowNevada Foreclosure Plan
ArrowDon't Lose Your Home!  (English)
Arrow¡No Pierda su Vivienda! (Spanish)
ArrowBeware of Foreclosure Rescue and Loan Modification Scams
Arrow¡OJO! – El boletín informativo para comunidades hispanas
ArrowMaking Home Affordable Forms
   

Predatory Lending
ArrowWhat is predatory Lending?
 
           Last Updated: 08/02/10 01:39:33 PM

 

reply to Starshine
crazyquilt  

Ohio - Resources For Foreclosure Help

Apr 11, 2010

Foreclosure laws vary by state. The resources below can provide information on foreclosure laws in Ohio. All states have HUD-approved housing counseling agencies which can help you determine options which may meet your needs and also assist you in interacting with your lender.

-   Ohio Housing Finance Agency
-   Foreclosure Resource Center of the Federal Reserve Bank of Cleveland
-   Housing Counseling
-   Save the Dream - Ohio's Foreclosure Prevention Effort
-   Ohio Department of Commerce, Financial Institutions Division
-   Ohio Attorney General - Predatory Lending Flyer
-   Ohio Attorney General - Predatory Lending and Foreclosure Assistance
-   Legal Resources
-   Ohio Department of Job and Family Services
-   Ohio State Treasurer
reply to crazyquilt
crazyquilt  

Illinois - Foreclosure Procedures

Mar 28, 2010

Website Location 

What is Foreclosure?

A judicial proceeding by lender / servicer to obtain judgment against the Borrower for Borrower’s breach of promise to pay, and to take borrower’s interest in the house, which was given as security for the promise.

What Are the Steps?

  1. Before a Foreclosure is Filed

    Demand Letter or Notice if required by the Note:
    • setting out breach of agreement (failure to pay)
    • requiring a certain amount to be paid
    • with a certain period of time

    If no payment or workout-

  2. Foreclosure Complaint is Filed:

    What is the foreclosure complaint?
    • a legal document
    • filed with the Court
    • setting out the agreement to pay (Note)
    • stating the failure to pay
    • stating the amount due
    • asking for judgment against the mortgagor
    • asking for title to the security (the mortgaged property)

    Must be served on mortgagor

    Mortgagor has opportunity to Appear and Respond
          Usually 30 days

    If no Appearance or Response-

  3. Default Judgment

  4. Reinstatement Period – all past due payments are made
          90 days from date of service of Foreclosure Complaint

    If no reinstatement-

  5. Redemption Period – entire amount of Note plus Interest and Expenses must be paid
         Longer of:
    7 months from date of service or
    4 months from date of Judgment

         If no Redemption-

  6. Judicial Sale – sale of mortgaged property to highest bidder

  7. Confirmation of Sale by Court – award of Title and Possession to winning bidder

  8. Mortgagor has 30 days of possession before eviction

  9. Eviction

reply to crazyquilt
friendshelpingfriends  

Tips for Avoiding Foreclosure

Mar 20, 2010

Are you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them?

- Don't ignore the letters from your lender
- Contact your lender immediately
- Contact a HUD-approved housing counseling agency
      - Toll FREE (800) 569-4287
      - TTY (800) 877-8339

If you are unable to make your mortgage payment:

1. Don't ignore the problem.

The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.

2. Contact your lender as soon as you realize that you have a problem.

Lenders do not want your house. They have options to help borrowers through difficult financial times.

3. Open and respond to all mail from your lender.

The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notices of pending legal action.  Your failure to open the mail will not be an excuse in foreclosure court.

4. Know your mortgage rights.

Find your loan documents and read them so you know what your lender may do if you can't make your payments.  Learn about the foreclosure laws and timeframes in your state (as every state is different) by contacting the State Government Housing Office.  

5. Understand foreclosure prevention options.

Valuable information about foreclosure prevention (also called loss mitigation) options can be found online.

6. Contact a HUD-approved housing counselor.

The U.S. Department of Housing and Urban Development (HUD) funds free or very low-cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender, if you need this assistance. Find a HUD-approved housing counselor near you or call (800) 569-4287 or TTY (800) 877-8339.

7. Prioritize your spending.

After healthcare, keeping your house should be your first priority.  Review your finances and see where you can cut spending in order to make your mortgage payment.  Look for optional expenses--cable TV, memberships, entertainment--that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage.

8. Use your assets.  

Do you have assets--a second car, jewelry, a whole life insurance policy--that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income?  Even if these efforts don't significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.  

9. Avoid foreclosure prevention companies.

You don't need to pay fees for foreclosure prevention help--use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services your lender or a HUD-approved housing counselor will provide free if you contact them.

10. Don't lose your house to foreclosure recovery scams!

If any firm claims they can stop your foreclosure immediately and if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms and getting professional advice from an attorney, a trusted real estate professional or a HUD-approved housing counselor.
reply to friendshelpingfriends
friendshelpingfriends  

Elk River, Minnesota Foreclosure Prevention

Sep 21, 2009

Click Here For Website

Elk River tracks and monitors all foreclosed and abandoned properties.  If you would like a list of these properties, please call 763-635-1042 or send an email.

If you are having problems paying your monthly house payments, are behind on payments, or worried about foreclosure, the MN Home Ownership Center offers free foreclosure prevention counseling. 

You can also check out the following sites which offer additional information and prevention measures:

If you have any questions about foreclosure prevention, or any of the other housing programs, please call 763-635-1042.
reply to friendshelpingfriends
kmt  

assistance to secure a home for my family

Sep 5, 2007

I am in need of financial assistance to secure a home for my family. I need down payment and relocation assistance. I have a job waiting for me in Nevada with much higher income potential than I have here in michigan. My home is in foreclosure, and this is hurting my ability to obtain financing through traditional methods.

reply to kmt