This package provides many different tools for a homeowner to prevent foreclosure of a home. The forms cover various means to obtain assistance at all stages of the foreclosure process. Purchase of this package is a savings of 63% over purchase of the forms individually! Included in this package are the following forms:
1. Letter to Lender for Produce the Note Request
2. Offer by Borrower of Deed in Lieu of Foreclosure
3. Motion to Dismiss Foreclosure Action and Notice of Motion
4. Petition or Complaint to Enjoin Nonjudicial Foreclosure Sale and for Declaratory Relief
5. Petition to Enjoin Foreclosure Sale and Seeking Ascertainment of Amount Owed on Note and Deed of Trust
6. Qualified Written RESPA Request to Dispute or Validate Debt
7. Request to Lender or Loan Servicer for Loan Modification Due to Financial Hardship - Requesting Change to Fixed Rate of Interest of Adjustable Rate
8. Hardship Letter to Mortgagor or Lender to Prevent Foreclosure
9. Sample Letter for Short Sale Request to Lender
10. MHA Request for Short Sale
The Hawaii Home Foreclosure Prevention Package is a comprehensive set of programs and initiatives aimed at assisting homeowners in Hawaii who are facing the threat of foreclosure. This package is designed to provide various resources, services, and support to borrowers in distress, helping them navigate through the challenging process and potentially save their homes. Key elements of the Hawaii Home Foreclosure Prevention Package include: 1. Loan Modification: This program offers homeowners the opportunity to renegotiate the terms of their mortgage loans with their lenders. The goal is to establish more affordable and sustainable monthly payments, enabling homeowners to avoid foreclosure and stay in their homes. 2. Mortgage Assistance Programs: Hawaii provides various state-funded programs to aid homeowners in making their mortgage payments. The package may offer financial assistance, grants, or loans to eligible individuals who have fallen behind on their payments due to financial hardship. 3. Counseling Services: The Home Foreclosure Prevention Package also offers free or low-cost counseling services to homeowners. Qualified counselors provide guidance, information, and support to borrowers, helping them explore their options, understand foreclosure procedures, and develop strategies to prevent foreclosure. 4. Mediation Programs: Certain counties in Hawaii have established mediation programs as part of the Home Foreclosure Prevention Package. Mediation allows homeowners and lenders to come together in a neutral environment with a trained mediator, aiming to find mutually beneficial solutions and avoid foreclosure. 5. Education and Outreach: The Hawaii Home Foreclosure Prevention Package emphasizes education and public outreach. Workshops, seminars, and community events are conducted to inform homeowners about foreclosure prevention strategies, financial literacy, and available resources. It is important to note that specific programs and services offered within the Hawaii Home Foreclosure Prevention Package may vary depending on the county or jurisdiction. Different regions may provide additional programs such as foreclosure counseling, legal assistance, or emergency funds. Overall, the comprehensive Hawaii Home Foreclosure Prevention Package strives to be a lifeline for distressed homeowners, offering a range of carefully designed resources and support systems to help them overcome their financial difficulties, navigate the complex foreclosure process, and ultimately retain ownership of their homes.
