MY HOME - MY FUTURE
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTIONPROGRAMFight Mortgage Foreclosurewww.FightMortgageForeclosure.com
SURVINGFORECLOSUREwww.FightMortgageForeclosure.com
Some Definitions Delinquency: When you are 15 days ormore late Foreclosure: when the lender has filedformal papers to take the house back at asheriff sale Servicer: The company to whom you makeyour monthly paymentswww.FightMortgageForeclosure.com
FORECLOSURE TIMELINE 1ST AND 2ND MONTH – CALLS ANDLETTERS FROM LENDER 3RD MONTH - DEMAND LETTEROR NOTICE TO ACCELERATE Foreclosure activities usuallycommence after you’re 90 days late 4TH MONTH – NOTICE OF INTENTTO FORECLOSE, FORECLOSUREATTORNEY ENGAGED,SHERIFFSALE SCHEDULED This will add 1,100 to 2,000 to thecost of keeping your home.www.FightMortgageForeclosure.com
FORECLOSURE TIMELINE 6TH MONTH – SHERIFF SALE REDEMPTION PERIOD – THE6 MONTH PERIODFOLLOWING THE SHERIFFSALE END OF 6 MONTHREDEMPTION PERIOD EVICTIONwww.FightMortgageForeclosure.com
Preventing ForeclosureStep 1: Admit there is a FinancialEmergencyThe first step toward overcoming afinancial emergency is admitting thatthere is one. The problem will not goaway if you ignore it. It will only getworse.Nationally, only 50% of people who aredelinquent on their mortgage contacttheir servicer. This reveals that manyare in denial or think there is no hope.www.FightMortgageForeclosure.com
Preventing ForeclosureStep 2: Establish an Emergency PlanDevelop a plan to increase your incomethat makes sense for you. Look for a new job. Consider taking several part-timejobs. Sell things you no longer need. Bring in a renter to help you pay forthe cost of housing.www.FightMortgageForeclosure.com
Preventing ForeclosureIf you are at risk ofForeclosure, an EmergencyBudget must be created Can you afford to keep thehouse in the long run? Be realistic: Have you beenable to stabilize financiallyfrom that “event” that causedyou to fall behind?www.FightMortgageForeclosure.com
Preventing ForeclosureEmergency Budget: It differs from the regular budgetyou created when you purchasedyour home. This one is critical in the sense thatit needs to closely examine theREAL expenses you are incurringtoday. More important, you willbe challenged to identify expensesyou can trim or eliminate for awhile.www.FightMortgageForeclosure.com
Preventing ForeclosureYou need to greatly reduce oreliminate your spending on luxuryitems or unnecessary items until youhave totally recovered from yourfinancial emergency. You need to stop dining out. You need to shut off your cable. You need to reduce spending onclothing and personal effects. You need to stop spending onentertainment.www.FightMortgageForeclosure.com
Preventing ForeclosureStep 3: Make ContactContact your mortgageservicer, ask for the lossmitigation department assoon as you have developedyour emergency budget.Please realize that they arenot the enemy. They have ajob to do. You need to learnto work with them. They willassist you put together aworkout plan.www.FightMortgageForeclosure.com
Mortgage ForeclosurePrevention Program(877) 693-6199 or (313) 833-2948 Use the emergency budget youjust developed to identify howmuch you can afford to pay onyour mortgage each month. Explain to the representativeyour situation and negotiate aplan to repay them. But don’tmake promises you can’tkeep.www.FightMortgageForeclosure.com
Preventing Foreclosure THE WORKOUT PLANEmergency budget Hardship letter Proof of earnings Tax documents for 2 years Bank statements for 3months Proof of your hardship www.FightMortgageForeclosure.com
Preventing ForeclosureHome Retention Solutions: ReinstatementRepayment PlanForbearance AgreementLoan ModificationPartial/Advance ClaimReverse MortgageRefinanceChapter 7 or 13 Bankruptcywww.FightMortgageForeclosure.com
Preventing ForeclosureNon-Retention Solutions: Traditional Sale Short Sale Deed-in-Lieu of Foreclosurewww.FightMortgageForeclosure.com
Preventing ForeclosureTIPS FOR WORKING WITHTHE MORTGAGE SERVICER Ask to speak to someone in theloss mitigation department. Unless the mortgage servicer,does not have a loss mitigationdepartment, you should not try tomake repayment arrangementswith the collection department.www.FightMortgageForeclosure.com
Preventing ForeclosureStep 4: Get Professional Help An objective third party opinion willhelp you when you are dealing with afinancial emergency.Contact 1-877-693-6199 or313-833-2948 for the Wayne Countycounseling office. HUD Housing Counselor1-800-569-4287 agency nearest you. oreclosure.com
Preventing ForeclosureDon’t Get Scammed!!A qualified housing counselor can help you complete anemergency budget and establish a plan to work with creditors.This service should be at no charge.www.FightMortgageForeclosure.com
Preventing ForeclosureBe careful of foreclosure rescuescams that take advantage of peoplewhile they are desperate andconfused. Avoid any service thatcharges an up-front fee. If you arefacing a foreclosure, all your moneyshould be saved to make paymentsdirectly to your mortgage servicer.www.FightMortgageForeclosure.com
IF YOU NEED ASSISTANCE Mortgage Foreclosure PreventionProgram (MFPP)1-877-693-6199 or 313-833-2948 HUD housing counseling agency1-800-569-4287 www.FightMortgageForeclosure.comMortgage Foreclosure Prevention Programwww.FightMortgageForeclosure.com
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTION ightMortgageForeclosure.com
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTION PROGRAM(MFPP)RESOURCES TO HELP YOU: United Way – 211 or1.800.552.1183 (Referral hotline fora variety of social services andassistance programs) Department of Human Services(Food Stamps, Medicaid, StateEmergency Relief) 313.456.1000 Legal Aid and Defender1.877.964.4700 Wayne County Treasurer –www.treasurer.waynecounty.com(313) 224-6105www.FightMortgageForeclosure.com
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTION PROGRAM(MFPP)Federal & State Programs: Making Home Affordable (PresidentObama Plan) http://www.makinghomeaffordable.gov http://www.financialstability.gov The Home AffordableRefinance program The Home AffordableModification program Michigan State HousingDevelopment Authority – Save theDream 866-946-7432www.FightMortgageForeclosure.com
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTION PROGRAM(MFPP) Next Steps If You Are Interested in ReceivingProfessional Foreclosure Prevention Counselingfrom MFPP partner agencies:1. Register online atwww.FightMortgageForeclosure.com2. Begin to gather needed documents such as yourmost current mortgage statement, incomedocumentation, 3 months bank statements, federaltax returns, closing documents3. Wait to hear from one of our professionally trainedforeclosure counselors who will be able to assistyou.www.FightMortgageForeclosure.com
WAYNE COUNTYMORTGAGE FORECLOSURE PREVENTIONPROGRAM(MFPP)Contact Us:www.FightMortgageForeclosure.com877.693.6199 or 313.833.2948www.FightMortgageForeclosure.com
MFPPwww.FightMortgageForeclosure.com
WAYNE COUNTY MORTGAGE FORECLOSURE PREVENTION PROGRAM Fight Mortgage Foreclosure. www.FightMortgageForeclosure.com SURVING . ATTORNEY ENGAGED,SHERIFF SALE SCHEDULED . Oakl
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