Vermont Motion For Mortgage Mediation is an alternative dispute resolution program offered by the State of Vermont for homeowners who are struggling with their mortgage payments. The program provides an opportunity for homeowners to work with their lenders to find a mutually-agreeable solution to their mortgage debt. The Vermont Motion For Mortgage Mediation program offers two types of mediation: voluntary mediation and court-ordered mediation. Voluntary mediation is an informal process where the homeowner and lender negotiate a repayment plan or other solution that meets the needs of both parties. Court-ordered mediation is initiated by the court and requires both parties to attend a mediation session facilitated by a neutral third party to attempt to reach an agreement. The goal of the program is to provide an efficient and cost-effective alternative to foreclosure proceedings, helping homeowners stay in their homes and avoid costly legal fees. Through the mediation process, homeowners can negotiate a fair repayment plan, loan modification, refinancing, or other solution that will help them stay afloat financially.