If you are having trouble making your mortgage payments due to financial hardships, get the help you need to save your home. A number of programs, regulations and resources are available for you to face the problem early on and a solution that best fits your situation.
Making Home Affordable is first step to homeowner help
If you are at risk for losing your home to foreclosure, visit the Making Home Affordable site first and take the assessment test to find out what resources are right for your particular circumstance.
Mortgage Foreclosure Defense Project helps homeowners deal with foreclosure
Low income homeowners in Florida are in crisis because the foreclosure rate is one of the highest in the nation. The Mortgage Forelosure 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 opens Mortgage Help Center in South Florida
Fannie Mae, in cooperation with Miami-Dade County and participating mortgage servicers, has opened a Mortgage Help Center in South Florida. This facility will operate 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.
CHAMP offers mandatory mediation help for foreclosures
Persuant to Administrative Order 09-08, all residential foreclosure actions involving homestead properties filed on or after May 1, 2009 are required to participate in the 11th Circuit Homestead Access to Mediation Program (CHAMP) in collaboration with the Collins Center for Public Policy, Inc, prior to hearing and summary judgement of the case. The program provides a mandated opportunity for homeowners and lenders to participate in a mediation effort to modify the terms of the note and mortgage and/or otherwise settle the case prior to further legal proceedings.
Avoid foreclosure rescue scams
Don't let others prey on your fear of losing your home. If you're having trouble making mortgage payments, contact your loan servicer to discuss your options as soon as possible. Learn about your rights and how to avoid becoming a victim of fraud.
Deed for Lease Program helps people stay in their homes
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.
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