助けを得ます
Help is available if you?re struggling to pay your mortgage. The sooner you act, the better.
Maryland Home Owners Preserving Equity (HOPE) Initiative can help you save your home. The agency works with housing counselors at nonprofits throughout the state. They?ll help you understand the foreclosure process and programs that can assist.
影響を受ける住宅所有者向けの COVID-19 固有のガイドラインは、COVID-19 によって経済的に影響を受けたメリーランド州民に即時かつ追加の経済的救済を提供します。 COVID-19 固有のプログラムの詳細 または、メリーランド HOPE までお問い合わせください。
HOPE 1-877-462-7555 までお早めにお電話ください。
あなたが賃借人で、家主が差し押さえられていることを知っている場合は、 パブリック ジャスティス センター あなたの権利について学ぶために。
差し押さえレスキュー詐欺を回避する
There are no fees to get help with a foreclosure in Maryland.
Some scam artists lure homeowners into signing their deed over and then take the home for themselves and others charge enormous fees without delivering any services at all. Do not pay a mortgage relief company for assistance. Don?t sign any documents without first getting objective legal advice.
住宅ローン会社に電話してください。 州認定住宅カウンセラー Maryland Hope を通じて、または 2-1-1 に電話してサポートを受けてください
差し押さえプロセス
After you miss one payment, you are in default and may receive a ?deficiency notice? from your lender. If you miss several payments, you may get a ?notice of default,? which explains how much you owe and advises you that foreclosure may be possible.
差し押さえ手続きは、住宅ローンを 90 日間支払わなかった場合に合法的に開始できます。
The next step is a ?Notice of Foreclosure Action.? Maryland law requires that the notice be sent both certified and first class mail at least 45 days before filing a foreclosure action.
Don?t wait for this to happen. The sooner you get help with your mortgage problems, the more likely you will keep your home.
のタイムラインを見る メリーランド州の差し押さえプロセス.
住宅ローンの支払いオプション
一般的に、住宅ローンの貸し手は、住宅ローンの差し押さえを望んでいません。費用がかかるため、差押えの勝者はめったにありません。財政的に良くなるまで、貸し手と支払い計画を立てるようにしてください。
The key is to ask for help early and persistently and get advice from a state-approved housing counselor. They can help you understand your mortgage documents, explain the options you have and help you negotiate a ?Workout Plan? with your lender.
和解書類、納税申告書、貸し手からの通知または請求書、家計と債権者のリストを用意して、予約に来てください。
Possible Workout Plans could include:
- Repayment Plan ? Catch up by adding a portion of the past due amount to your monthly payments.
- Forbearance Plan ? Your monthly payments are temporarily reduced or suspended. There is usually a higher amount due when the payments reinstate.
- Loan Modification Plan ? The lender agrees to change your terms in some way. They might reduce your interest, extend the loan payment period or negotiate the prepayment penalty.
- Partial Claim ? The lender may offer a low-interest or interest-free loan through the insurer (FHA or private mortgage insurance) to catch up on the arrearage. There may be small monthly payments. The loan is due when you sell the property or when you pay off your first mortgage.
- Recast Plan (not available with Fannie Mae or Freddie Mac) ? You put missed payments at the back end of the loan.
If your lender rejects your proposal, try to negotiate and find out what they might be willing to accept. If it seems unreasonable or unfair, ask to speak with a loss mitigation specialist or supervisor. Though a housing counselor can be a great help, you need to act as your advocate. Even if foreclosure is inevitable, you can still negotiate better terms or an extended timeline so that you aren?t out in the cold. Be ready to keep fighting!
