[NACA CLE Webinar] Practice Tips for Litigating Regulation X Cases

For details and to register: http://www.consumeradvocates.org/resources/events/practice-tips-for-litigating-regulation-x-cases Members: $40 Nonmembers: $75 (If you have not already been vetted to attend webinars, please email Rebecca at rebecca@consumeradvocates.org to register.) Now that HAMP has expired, it is more important than ever to utilize the provisions of Regulation X to ensure that servicers provide your clients with timely, thorough […]

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FHA Modifications and FHA-HAMP

The most straightforward way to determine whether a loan is an FHA-insured loan is to look at the mortgage, which is available online in ACRIS or the County Clerk’s office. FHA loans have an FHA case number in the top-right corner of the mortgage. Another way is to look at the mortgage statement and see […]

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Homeowner Financial Toolkit

For many homeowners who have fallen behind on their mortgages, broader financial issues are at the root of their housing crises. Some have experienced job loss, illness, divorce, or another “shock” that made their mortgage unaffordable. Others may need training and help to manage their finances. The goal of the Center’s Homeowner Financial Toolkit is […]

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Homeownership Data Toolbox

Data is essential to understanding the state of affordable homeownership in New York. We use data visualizations, maps, and more to identify and assess existing and emerging neighborhood needs and to create innovative programs to help middle- and working-class homeowners. Are you a reporter working on a story or a policymaker who needs help understanding […]

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NYC tax lien sale

Each spring, the Department of Finance sells the liens of properties that have unpaid debts — including property taxes, water bills, and other charges — that can result in an increased financial burden for families already behind on their bills. Once a tax lien is sold, a third-party collection agency can add fees and high interest […]

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Foreclosure prevention programs face budget crunch (Metro)

Leon Keith nearly lost his three-family home in the Bronx in 2012, after becoming ensnared in a high-profile Ponzi scheme. He credits the foreclosure prevention services operated by the Legal Aid Society helping him in court and in obtaining a loan modification that enabled him to pay his mortgage. (Read the rest of the article […]

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7 reasons why we love community land trusts

From New York to California, communities struggling with a shortage of affordable housing are giving renewed attention to a model of housing preservation that ensures home prices and rents stay within reach for low-income households. That’s why more and more cities are turning to community land trusts. In the community land trust model, a nonprofit […]

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Foreclosure prevention network calls for vital New York State funding

These are uncertain days for advocates working on the front lines to prevent homeowners from losing their homes to foreclosure. While foreclosure filings in New York State remain high since the housing bubble burst — with nearly 34,000 new filings in 2016 and 72,000 pending cases in court — funding for the state’s only Foreclosure […]

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Rebuilding a life and home after Hurricane Sandy

Linda Gold’s husband died the night of Hurricane Sandy trying to save their home from the storm. “I had lost my husband and my house was in ruins,” she says. Even while facing unimaginable loss, Gold was about to begin a nightmarish journey to try to rebuild her home and her life. Gold, with her […]

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