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 New Hampshire Home Foreclosure Prevention Package is a comprehensive program aimed at assisting homeowners in the state facing foreclosure. This package includes a range of resources, tools, and services designed to provide relief and support to individuals and families struggling to keep their homes. By implementing this package, the state of New Hampshire aims to combat the negative impacts of foreclosure on families, communities, and the local economy. The New Hampshire Home Foreclosure Prevention Package offers various types of assistance tailored to meet different needs and circumstances. These include: 1. Financial Counseling: This component of the package involves providing homeowners with access to professional financial counselors who can assist in developing strategies to manage mortgage payments, budget effectively, and explore alternative options to foreclosure. 2. Loan Modification Programs: New Hampshire offers loan modification programs that allow borrowers to negotiate more favorable terms with their lenders, including reduced interest rates, extended loan terms, or principal forbearance. These modifications aim to make mortgage payments more affordable for homeowners facing financial difficulties. 3. Mediation Services: The package includes provisions for mediation services, wherein a neutral third party works with the homeowner and the lender to find mutually acceptable solutions to avoid foreclosure. Mediation can help facilitate communication and negotiation between the involved parties. 4. Legal Assistance: Homeowners who are at risk of foreclosure can receive legal aid through the New Hampshire Home Foreclosure Prevention Package. Legal professionals help homeowners understand their rights, negotiate with lenders, and explore legal remedies to prevent foreclosure. 5. Education and Outreach: The package emphasizes the importance of public awareness and education. It includes outreach programs, workshops, and informational resources to educate homeowners about foreclosure prevention strategies, financial management, and available support services. 6. Emergency Assistance: In cases of extreme financial distress, the New Hampshire Home Foreclosure Prevention Package may offer temporary financial assistance to eligible households. This assistance can help cover mortgage payments, property taxes, or other necessary expenses to prevent immediate foreclosure. 7. Refinancing Options: Homeowners who qualify may have access to refinancing programs, allowing them to replace their existing mortgage with a new loan that features more favorable terms, such as lower interest rates or longer repayment periods. By implementing these various components, the New Hampshire Home Foreclosure Prevention Package aims to provide a comprehensive system of support for homeowners who find themselves at risk of losing their homes. With its emphasis on counseling, legal aid, mediation, and financial assistance, this package offers a multi-dimensional approach to foreclosure prevention in the state of New Hampshire.
