Housing Counseling Project Resources

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2009 Pennsyvania Legal Aid Network Training Conference

Consumer/Housing (Mortgage Foreclosure) Track
September 22-23, 2009

Select individual workshop from the playlist menu below to view the video.

Featured Workshop Videos:

  1. Understanding the Lending Process and the Housing Counselor’s Role
     
  2. Ethical Issues Representing Clients in Foreclosure Related Cases
     
  3. Loan Modifications: The Latest on the Obama Administration’s Home Affordable Modification Program (HAMP) and Others
     
  4. Government’s Role in Ferreting Out Unscrupulous Mortgage Modification Schemes
     
  5. Litigating Foreclosures: Including Who Owns the Loan and Why it Matters; HAMP Process As Foreclosure Defense
     
  6. Analysis of Federal Protecting Tenants at Foreclosure Act, Effective May 20, 2009 and Implications for PA Tenancy and Real Property Law.
     
  7. Assessing Mortgage Cases Pre-foreclosure, Including Predatory Lending Review, Obtaining Information From Mortgage Services, Challenging Fees and Costs, Potential for Bankruptcy Filing, etc. (Parts 1-2) 

Conference Workshop Materials 
(PLAN Brief and Information Bank Login Required)


CLE Training Program:

Avoiding Foreclosure:
Helping Families Keep Their Homes
Presented: March 2, 2009

   
Program Agenda [PDF]  

Part 1 (1 hour, 25 Minutes)

  • Introduction and Overview
  • Counselors & Lawyers Coordinating Services

Part 2 (1 hour, 43 minutes)

  • Counselors and Lawyers Q & A
  • Working with Mortgage Servicers

Part 3 (1 hour 41 minutes)

  • Getting acquainted with loan documents
  • Predatory Lending and TILA Issues
  • Servicing Problems (beginning)

Part 4 (1 hour, 18 minutes)

  • Servicing Problems (conclusion)
  • Questions

Handout Materials:

Avoiding Foreclosure: Helping Families Keep Their Homes
(Part 1: pp 1-52) [PDF - 4.29 MB]

Avoiding Foreclosure: Helping Families Keep Their Homes
(Part 2: pp 53-150) [PDF - 6.32 MB]

Avoiding Foreclosure: Helping Families Keep Their Homes
(Part 3: pp 151-204) [PDF - 4.09 MB]

 

 

Avoiding Foreclosure: Helping Families Keep Their Homes
(Appendices - Part 1: pp 205-268) [PDF - 3.75 MB]

Avoiding Foreclosure: Helping Families Keep Their Homes
(Appendices - Part2: pp 269-362) [PDF - 6.34 MB]

RESPA Sample Qualified Written Request (MS Word)


President Obama's Homeowner Affordability and Stability Plan:

Press Announcement

Making Home Affordable - Summary of Guidelines [PDF]

Home Affordable Modification Program Guidelines [PDF]

Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages
(Handbook) Version 2.0
   (Old - Version 1.0)


Supporting Documents
(PLAN Brief and Information Bank Login Required):

Agenda - Webinar: Foreclosure Mitigation Counseling Initiative (FMCI), Counseling and Legal Relationships Seminar/HCO [Word]

Agenda - Webinar: Foreclosure Mitigation Counseling Initiative (FMCI), Counseling and Legal Relationships Seminar/HCO [PDF]

Foreclosure Mitigation Counseling Initiative - Legal Aid Counseling Referral Form [PDF]

NFMC Legal Assistance Reporting Requirements, Version 1.3 [PDF]

Sample Legal Referral - Legal Aid Counseling Referral Form [PDF]

Training Handout: Accepting Relationship and Finding Cases [PDF]

Training Handout: Relationships in HCO System [PDF]

Training Handout: Required Case Closing Notes in HCO System [PDF]


Project Documents
(PLAN Brief and Information Bank Login Required):

HCO System Branch IDs [Excel]

Housing Legal Counseling Project Presentation [PowerPoint]
PowerPoint Presentation from December 22, 2008 webinar briefing conducted by Sam Milkes, Executive Director of PA Legal Aid Network, Inc.

HCO System Subscriber IDs [Excel]

Housing Legal Counseling Project Referral List [Excel]
Excel spreadsheet containing the list of referral agencies relating to the Housing Legal Counseling Program.

List of HCO System Users [Excel]

FMCI Excel Data Reporting Form [Excel]

PA Legal Aid FMCI Invoice Form [Excel]


HotDocs Document Assembly Templates
(PAProbono.net Login Required)

MORTGAGE FORECLOSURE: Answer and New Matter

MORTGAGE FORECLOSURE: Preliminary Objections

MORTGAGE FORECLOSURE: Petition to Open or Strike Judgment

MORTGAGE FORECLOSURE: Petition to Stay Sheriff’s Sale (HAMP)

MORTGAGE FORECLOSURE: Letter

All Document Assembly Templates

 

Other Useful Documents:

(PLAN Brief and Information Bank Login Required):

AREAS OF GREATEST NEED – NFMC ROUND 2 [PDF]

Guidance Regarding Value of In-Kind Contributions [PDF]

Match Waiver Spreadsheet [Excel]

National Foreclosure Mitigation Counseling for Intermediaries and State Housing Finance Agencies, NFMC Round 2 - Application Questions [PDF]

National Foreclosure Mitigation Counseling Program Funding Announcement for Round 2 funds (Last Updated: August 9, 2008) [PDF]

National Foreclosure Mitigation Counseling Program Legal Assistance - DRAFT Funding Announcement (9/2/08) [PDF]

National Foreclosure Mitigation Counseling Program Quarterly Reporting Requirements for HFAs and Intermediaries - NFMC Round 2 (Subject to change – last updated 8/8/2008) [PDF]

NFMC Data Points for Round 2 Grantees (Subject to Change) – last updated 8/8/2008 [PDF]

NFMC Legal Assistance Funding - Eligible Applicant Briefing [PDF]

NFMC Round 2 Bidders’ Conference for HUD-Approved Intermediaries & State HFAs (8/26/08) [PDF]

NFMC Round 2 Optimal Timeline [PDF]

SAMPLE Foreclosure Mitigation Counseling Agreement [Word]

SAMPLE LETTER DISCLOSING INTENTION TO APPLY FOR NATIONAL FORECLOSURE MITIGATION COUNSELING FUNDS THROUGH MULTIPLE INTERMEDIARIES OR HFAs [Word]


Links:

APPLICATION GUIDE FOR LEGAL ASSISTANCE FUNDING
(UPDATED SEPTEMBER 15, 2008)

FREQUENTLY ASKED QUESTIONS ON LEGAL ASSISTANCE FUNDING [PDF]

Housing and Economic Recovery Act of 2008 [PDF]

National Foreclosure Mitigation Counseling Program - NeighborWorks

National Foreclosure Mitigation Counseling Program Legal Assistance Final Funding Announcement
(September 15, 2008)

Making Home Affordable Program Handbook for Servicers of Non-GSE Mortgages
(Handbook) Version 3.3 (September 1, 2011)
   
This handbook is a consolidated resource for programmatic guidance related to the MHA Program for mortgage loans that are not owned or guaranteed by Fannie Mae or Freddie Mac (Non-GSE Mortgages).

Version 3.3 of the Handbook incorporates and supersedes in its entirety Supplemental Directive 11-04. Version 3.3 of the Handbook also incorporates and supersedes those portions of Supplemental Directive 11-08 that were effective on its publication date of August 9, 2011. If a servicer identifies a discrepancy between the Handbook and a previously issued Supplemental Directive, FAQ or waiver, the servicer should rely on the guidance in the Handbook.

Finally, Version 3.3 of the Handbook also includes some clean-up revisions including revisions to existing sections of Version 3.2 of the Handbook which are deemed to have been issued in other Supplemental Directives or FAQs.

The Handbook will be updated periodically with new policy or procedural changes as they are announced. To the extent that any Supplemental Directive, FAQ or waiver has not been incorporated into and superseded by the Handbook, it continues to apply, and any references in such documents to guidance that has been incorporated into the Handbook are deemed to refer to the applicable Chapter and Section of the Handbook containing such guidance.

Home Affordable Modification Program:
Servicer Documents (HAMP)

Includes checklists, FAQs, Supplemental Directives and other supplemental documentation.

Home Affordable Modification Program: Servicing Policy Updates
Revised HAMP Borrower Documents

All Programs Supplemental Directives (HAMP)
Supplemental Directives are additional program guidelines developed specifically for servicers to provide additional guidance and clarify issues that may not have been fully addressed by previous guideline documents.
 

 

PLAN Reference Center- Mortgage Foreclosure Resources
(PLAN Brief and Information Bank Login Required)

HAMP and Other Loan Modification Programs
(National Consumer Law Center)

Recent Trial Court Decisions on HAMP Enforceability as Foreclosure Defense
(National Consumer Law Center)

Foreclosure Mitigation Programs by State
(National Consumer Law Center)

Fannie Mae Loan Lookup
The Fannie Mae Loan Lookup enables mortgage borrowers to quickly determine if Fannie Mae owns their loan by providing a street address, unit, city, state, and ZIP code.

Freddie Mac Lookup Tool - Does Freddie Mac Own Your Mortgage?
Secured look-up tool that can be used to determine if a mortgage is owned by Freddie Mac

LSC Resource Information - Foreclosure Resources
Resources collected from a variety of sources. Categories include Training Materials for Attorneys; Community Legal Education Materials; Description of Activities; Collaborative Work Spaces; Policy and Legislative Issues; and Links.