Think Hard About Refinancing Fact Sheet C-9
By: Legal Aid Society of Minneapolis
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Top Tips To Save You Money Fact Sheet C-7
By: Legal Aid Society of Minneapolis
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When Your Landlord Loses the Building: Mortage Foreclosure Fact Sheet H-14
By: Legal Aid Society of Minneapolis
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How to Avoid Foreclosure
(Separate Website)
This booklet explains how property owners can avoid losing their homes because of late or missed payments.
By: U.S. Department of Housing and Urban Development (HUD)
Avoiding Foreclosure: Minnesota
(Separate Website)
Don't lose your home! Here is some guidance on default and foreclosure prevention.
By: U.S. Department of Housing and Urban Development (HUD)
Borrower Beware: The High Cost of Small Loans, Pawn Brokers and Rent-to-Own Stores
(Separate Website)
Consumer Alert - Mortgage Foreclosure Scams
(Separate Website)
"Bankruptcy foreclosure scams" target people whose home mortgages are in trouble. Scam operators advertise over the Internet and in local publications, distribute flyers, or contact people whose homes are listed in the foreclosure notices. Sometimes they direct their appeals to specific religious or ethnic groups.
By: U.S. Department of Justice
Consumer Information: Mortgages / Real Estate
(Separate Website)
By: Federal Trade Commission (FTC)
Facing Mortgage Foreclosure
(Separate Website)
If you are a home owner that has fallen behind on your mortgage payments, you are not alone. As many as 2.2 million Americans may face mortgage foreclosure over the next few years. Predatory mortgage lending, exploding interest rates and a tight economy have contributed to a mortgage crisis that threatens to destroy the American Dream of home ownership for people across the state. If you are faced with mortgage default or foreclosure, arm yourself with information, ask for
help, and take decisive action to protect your interests.
By: Minnesota Attorney General's Office
Find Your Local Foreclosure Counselor
(Separate Website)
By: Minnesota Home Ownership Center
Foreclosure Prevention Assistance
(Separate Website)
A description of the Minnesota Housing Finance Agency's Forclosure Prevention Assistance Program.
Go to the website below for an index of forms for this program.
http://www.mnhousing.gov/partners/lenders/programs/MHFA_001511.aspx
By: Minnesota Housing Finance Agency (MHFA)
Help for Homeowners Facing the Loss of Their Home
(Separate Website)
If you have been laid off or are facing unemployment, you can keep your home - if you know the right steps to take. The Department of Housing and Urban Development/Federal Housing Administration, the Department of Veterans Affairs, the Department of Labor and the mortgage industry have worked together to produce important basic information - - and key links to local groups and organizations - - that can help you get through difficult times without losing your home.
By: U.S. Department of Housing and Urban Development (HUD)
High-Cost Home Loan - Don't Be a Target
(Separate Website)
You may be a target for abusive lenders trying to sell you a loan you can't afford. If this happens, you may be unable to make the high payments and lose your home at a foreclosure sale or spend all of your spare cash paying off a loan you didn't need or want.
By: National Consumer Law Center (NCLC)
HOPE NOW
(Separate Website)
HOPE NOW preserves homeownership and prevents foreclosures by reaching out to borrowers through advertising, direct mail and homeownership forums, free counseling for homeowners, and helping homeowners avoid foreclosures.
How to Manage Your Mortgage If Your Lender Closes or Files for Bankruptcy
(Separate Website)
When a mortgage company closes or files for bankruptcy, its customers may be left wondering about the impact on their own loans. The Federal Trade Commission (FTC) says consumers should continue to make their mortgage payments as usual. The nation's consumer protection agency has several situation-based tips for consumers who need to know what to expect in today's mortgage market.
By: Federal Trade Commission (FTC)
How to Save Money and Avoid Theft: Cashing Checks and Opening Bank Accounts
(Separate Website)
Mortgage Payment Relief and Protection from Foreclosure for Reservists, Guardsmen and Other Military Personnel
(Separate Website)
Get answers to common questions about mortgage payment relief and protection from foreclosure provided by the Servicemembers Civil Relief Act (formerly known as The Soldiers' and Sailors' Civil Relief Act of 1940).
By: U.S. Department of Housing and Urban Development (HUD)
Protect Your Investment: Don't Let Predatory Lenders Take Your Home
(Separate Website)
Senior citizens are an attractive target for unscrupulous mortgage lenders because they have a lot of equity in their homes after years of diligently paying off their mortgages, and they use that equity to finance home repairs, medical care and other needs. While these lenders may encourage seniors to use their hard-earned home equity to secure new loans - they will not tell seniors about the high fees, hidden payments or other disadvantageous loan terms that could lead to the loss of their homes.
By: National Consumer Law Center (NCLC)
Protecting Exempt Income from Garnishment
(Separate Website)
By: Minnesota Attorney General's Office
Resources for Homeowners
(Separate Website)
Worried about your next house payment?
Or your home equity payment?
Already missed one? or two?
Concerned about your interest rate changing?
YOU DO HAVE OPTIONS. TAKE ACTION NOW.
By: Minnesota Home Ownership Center
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