South Carolina Home Foreclosure Prevention Package

Q: How do I avoid foreclosure in SC?

If you&#039;re behind on your mortgage and facing foreclosure, you&#039;re not quite out of options. Filing for bankruptcy can stop the foreclosure, at least temporarily, buying you more time to sort out the situation by catching up on your payments or applying for a mortgage modification.

Category:

Real Estate - Foreclosures

State:

Multi-State

Control #:

US-P111-PKG

Format:

Instant download

Description

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

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How to fill out Home Foreclosure Prevention Package?

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FAQ

In South Carolina, the lender must sue the borrower and prove the lender is entitled to foreclose. The homeowner (defendant) has the right to defend the foreclosure by conducting discovery, raising defenses, and filing counterclaims (that is, suing the lender under various causes of action).

What is the SC Homeowner Rescue Program? The SC Homeowner Rescue Program (SC HRP) was created to help homeowners in South Carolina who are delinquent on their mortgage or utilities, due to a financial hardship during the COVID-19 pandemic. The SC HRP was established as part of the American Rescue Plan Act of 2021.

No later than 45 days after a missed payment, the servicer must inform the homeowner in writing about loss mitigation options that might be available, and. a foreclosure generally can't start until the homeowner is more than 120 days delinquent on the payments.

If you're behind on your mortgage and facing foreclosure, you're not quite out of options. Filing for bankruptcy can stop the foreclosure, at least temporarily, buying you more time to sort out the situation by catching up on your payments or applying for a mortgage modification.

The SC Stay Plus Program, a rental and utility assistance program funded by the U.S. Department of Treasury, launched in May 2021 to assist those who are experiencing financial hardships and housing challenges as a result of the COVID-19 global health emergency that has disrupted the lives of so many.

Get help from housing counselors and programs The Making Home Affordable (MHA) program offers free counseling if you are struggling to pay your mortgage. Call 1-888-995-HOPE (1-888-995-4673). Find a HUD-approved housing counseling agency in your area for free, local foreclosure prevention services.

Get $15,000 in Assistance The SC State Housing Hardest Hit Fund can provide $15,000 in down payment assistance and an FHA fixed rate first mortgage loan to eligible homebuyers. Note that this assistance is only available for the purchase of an existing home ? new construction properties are not eligible.

There are many ways to stop a foreclosure in South Carolina. The following is a partial list of ways: (1) Chapter 13 bankruptcy, (2) loan modifications, (3) repayment plans (3) reinstate your mortgage loan, (4) forbearance, (5) refinance, (6) sell your home before the foreclosure sale, and (7) deed in lieu.

South Carolina Home Foreclosure Prevention Package

Description

Related forms

Viewed forms

How to fill out Home Foreclosure Prevention Package?

Form popularity

FAQ

What are the foreclosure laws in South Carolina?

What is the SC Homeowners Rescue Program?

How many missed payments before foreclosure in South Carolina?

How do I avoid foreclosure in SC?

What is the hardship program in South Carolina?

What is an option to avoid foreclosure?

What is the $15000 down payment assistance SC 2023?

How can we prevent foreclosure in SC?

Trusted and secure by over 3 million people of the world’s leading companies

South Carolina Home Foreclosure Prevention Package

Description

Related forms

Viewed forms

How to fill out Home Foreclosure Prevention Package?

Form popularity

FAQ

What are the foreclosure laws in South Carolina?

What is the SC Homeowners Rescue Program?

How many missed payments before foreclosure in South Carolina?

How do I avoid foreclosure in SC?

What is the hardship program in South Carolina?

What is an option to avoid foreclosure?

What is the $15000 down payment assistance SC 2023?

How can we prevent foreclosure in SC?

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