Memorandum on Federal and State Constitutional Issues Related to Foreclosure Mediation/Diversion
Analysis of constitutional issues related to foreclosure crisis-driven state relief laws.
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Requirement for Loan Modification Analysis/Loss Mitigation Before Foreclosure
Includes: Model Loan Mod – Deed of Trust States Model Loan Mod – Mortgage States – Non-Judicial Model Loan Mod – Judicial Foreclosure States
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Foreclosing A Dream: State Laws Deprive Homeowners of Basic Protections
In recent months, a wave of foreclosures has swept millions of American families from their homes. The magnitude of this crisis defies easy comprehension: more than 8 million American families are expected to lose their homes to foreclosure in the next four years. Much has been written about the financial and economic causes of this…
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Foreclosure Rescue Scam Statute
The foreclosure crisis has presented the perfect opportunity for foreclosure rescue scams. These scams come in two main varieties. In the first, a foreclosure “consultant” takes an up front payment and promises to arrange refinancing or postpone the foreclosure, but does nothing and costs the homeowner not only money but critical time. In the second,…
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NCLC Model Language to Protect Homeowners Applying for HAF Funds
The Homeowner Assistance Fund (HAF) was established as part of the American Rescue Plan of Under HAF, the United States Department of the Treasury is providing $9.9 billion in financial assistance through states, territories and tribes. States have the flexibility to allow eligible homeowners to use HAF funds to, for example, reinstate a delinquent mortgage,…
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