Important Global Message
The Miami-Dade County Emergency Operations Center has been activated and is closely monitoring Erika. For any updates about County facilities and services, please visit: http://www.miamidade.gov/emergency
Contact your lender as soon as you realize you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times.
Learn how to save your home.
In January 2012, new mortgage assistance programs were proposed by the Federal Government to help homeowners who have not qualified for previous programs or who have been unable to refinance.
Mortgage Foreclosure Defense Project
Low income homeowners in Florida are in a crisis because the foreclosure rate is one of the highest in the nation. The Mortgage Foreclosure Project is responding to this crisis by providing high-quality legal assistance and representation to homeowners faced with foreclosure. In addition to court representation, the Project partners with Florida Housing Finance Corporation housing counselors to provide homeowners with alternatives to foreclosure.
Fannie Mae, in cooperation with Miami-Dade County and participating mortgage servicers, has opened a Mortgage Help Center in South Florida. The facility operates as a local resource where homeowners with loans owned by Fannie Mae can obtain housing counseling and help in communicating with their servicers about mortgage workouts and other foreclosure alternatives.
Learn about options to help you get back on track and avoid foreclosure. Get ready to talk to your mortgage company with our step-by-step instructions to help you prepare.
Fannie Mae is introducing the Deed-for-Lease Program (D4L), a program designed to minimize family displacement, deterioration of neighborhoods caused by vandalism and theft to vacant homes, and the effect these have on families, communities and home price stabilization. Investment properties that are tenant-occupied may be considered as long as the borrower is cooperative in providing information from the tenant to facilitate the D4L.
Selling your home for less than the mortgaged amount is considered a "short sale." Read more in this Short Sale and Loan Modification presentation by a South Florida attorney.
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