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 Utah Home Foreclosure Prevention Package is a comprehensive set of resources and programs designed to assist struggling homeowners in Utah who are at risk of losing their homes to foreclosure. This package aims to provide necessary support and guidance to distressed homeowners to help them navigate through the foreclosure process and explore alternatives to foreclosure. Some key components of the Utah Home Foreclosure Prevention Package include: 1. Loan Modification Assistance: This program assists homeowners in negotiating with their lenders for modified loan terms, such as reduced interest rates, extended loan terms, or the temporary suspension of payments to make mortgages more affordable and prevent foreclosure. 2. Foreclosure Mediation: Utah law mandates foreclosure mediation for homeowners facing foreclosures to explore all possible options before losing their homes. This program facilitates communication between homeowners and lenders, allowing them to find mutually beneficial solutions to avoid foreclosure. 3. Mortgage Payment Assistance: The Utah Home Foreclosure Prevention Package offers financial assistance to eligible homeowners who are struggling to make their mortgage payments due to temporary financial setbacks or unforeseen circumstances. This assistance can help bridge the gap and prevent foreclosure. 4. Information and Counseling Services: The package provides homeowners with access to free counseling services to help them better understand their options, rights, and responsibilities when facing foreclosure. These services offer valuable guidance and support throughout the entire foreclosure prevention process. 5. Legal Aid and Representation: For vulnerable homeowners who require legal assistance, the package includes resources to connect them with affordable legal aid organizations or qualified professionals who can advocate for their rights and interests during foreclosure proceedings. It's important to note that the specific programs and resources within the Utah Home Foreclosure Prevention Package may vary over time as new initiatives are introduced or existing ones are updated. However, the overall objective remains constant: to assist and empower homeowners in Utah to prevent foreclosure and protect their homes.
