INDIANA FORECLOSURE PREVENTION - Secure.in.gov

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INDIANA FORECLOSURE PREVENTION NETWORK IFPN was created to help Hoosier homeowners prevent foreclosure. Free foreclosure prevention counseling is available to all Indiana homeowners. Counseling services are offered through a network of HUD certified housing agencies. Qualifying homeowners can apply for Hardest Hit Fund (HHF) through the IFPN.

REINSTATEMENT ONLY ASSISTANCE The monthly mortgage payment is affordable, but homeowner can’t cure mortgage delinquency caused by an involuntary financial related hardship. Unemployment Underemployment Medical Hardship Death of Contributing Household Member Divorce Maximum allowable household assistance is 30,000. One-time payment to lender.

MONTHLY ASSISTANCE PROGRAM Homeowners could apply if they experienced an involuntary financial related hardship on or after January 1, 2020. Qualifying homeowners may receive up to 6 months of assistance. The mortgage does not need to be current. Homeowner cannot be in an active forbearance. The homeowner has applied for or is currently receiving UI benefits. Maximum allowable household assistance is 30,000. Payments made directly to the lender.

BASIC ELIGIBILITY CRITERIA The applicant must: Be an Indiana homeowner Own only one home, and currently reside in that home Be unable to make monthly mortgage payments because of an involuntary employment-related financial hardship such as a previous job layoff. (Monthly Assistance Program) Be able to make their current mortgage payments, but unable to pay a past-due balance that resulted from an involuntary employment-related financial hardship (Reinstatement Only Program) Meet additional eligibility requirements based on income (See Website)

APPLY ONLINE - Visit www.877gethope.org.

ADDITIONAL RESOURCES Coronavirus Eviction and Foreclosure Resource Guide: Several state organizations have worked together to provide answers to some frequently asked questions, as well as other resources to help navigate through these uncertain times. Click here to visit the website. Indiana Legal Services: Developed a resource guide titled Renting in Indiana: A Handbook for Tenants and Landlords to help renters, property owners, and property managers in Indiana make renting a home a positive experience. Click here to visit their website. Energy Assistance Program: Energy assistance is a one-time benefit that can assist you with the high cost of home energy and can help if you are about to get disconnected. Click here to find more information. Indiana Township Trustees: Township trustees offer a variety of services and assistance. The Indiana Township Association has a listing of trustees in the state of Indiana. Click here to visit their website. IndianaHousingNow.org: This is a free, state online resource for renters and property managers in Indiana. It includes a variety of housing resources available to Indiana residents. Click here to be directed to the website.

ADDITIONAL RESOURCES Coronavirus Eviction and Foreclosure Resource Guide: Several state organizations have worked together to provide answers to some frequently asked questions, as well as other resources to help navigate through these uncertain times. Click here to visit the website. Indiana’s Hardest Hit Fund (HHF): Mortgage payment assistance of up to 30,000 is available to qualified Hoosiers homeowners struggling to pay their mortgage. Their network of housing counseling agencies can also assist with identifying other options to help homeowners. Click here to visit their website. Energy Assistance Program: Energy assistance is a one-time benefit that can assist you with the high cost of home energy and can help if you are about to get disconnected. Click here to find more information

QUESTIONS?

INDIANA FORECLOSURE PREVENTION NETWORK IFPN was created to help Hoosier homeowners prevent foreclosure. Free foreclosure prevention counseling is available to all Indiana homeowners. Counseling services are offered through a network of HUD certified housing agencies. Qualifying homeowners can apply for Hardest Hit Fund (HHF) through the IFPN.

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foreclosure process, foreclosure starts, has followed a similar pattern, with foreclosure starts exceeding the national level in every quarter since the third quarter of 1998. Introducing Regression To investigate the high levels of foreclosure in Indiana, the determinants of foreclosure rates are examined across the 50 states and Washington,

4931—70. Note that the foreclosure statute received a significant overhaul in 2012. Vermont has three methods of foreclosure: Strict foreclosure under 12 V.S.A. § 4941; Judicial sale foreclosure under 12 V.S.A. §§ 4945-4954; and Nonjudicial foreclosure under 12 V.S.A. §§ 4961-70.

at the Foreclosure Sale. 18. High Bidder: The bidder at Foreclosure Sale that submits the highest responsive bid amount to the Foreclosure Commissioner. 19. Invitation: This Invitation to Bid including all the accompanying exhibits, which sets forth he terms and conditions of the sale of the Property at the Foreclosure Sale and includes

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Indiana Foreclosure Prevention Network Counselor Resource Guide Effective 03/01/2011 Indiana Housing and Community Development Authority 30 South Meridian Street; Suite 1000 Indianapolis, In 46204 1-877-GET-HOPE www.877GETHOPE.ORG

Indiana Foreclosure Prevention Network and Hardest Hit Fund 2011 Participant Manual Effective 3/1/11 Indiana Housing and Community Development Authority 30 South Meridian Street; Suite 1000 Indianapolis, In 46204 1-877-GETHOPE www.877GETHOPE.ORG . 1 2011 IFPN and HHF Participant Manual 03-01-11.doc

Indiana Foreclosure Prevention Network and Hardest Hit Fund HoosierCorps 2011 Participant Manual Effective 3/1/11 Indiana Housing and Community Development Authority 30 South Meridian Street; Suite 1000 Indianapolis, In 46204 1-877-GETHOPE www.877GETHOPE.ORG . HoosierCorps Program 2

guided inquiry teaching method on the total critical thinking score and conclusion and inference of subscales. The same result was found by Fuad, Zubaidah, Mahanal, and Suarsini (2017); there was a difference in critical thinking skills among the students who were taught using the Differentiated Science Inquiry model combined with the mind