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Empire Justice Plays and Active Role in Training Advocates Across New York on Foreclosure Prevention

James Dukette June 21, 2013

On May 30, 2013, the U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development announced an extension of the Home Affordable Modification Program (HAMP), which was set to expire on December 31, 2013.  The program has now been extended through December 31, 2015. In doing so, the hope is that the millions of homeowners who are still struggling and hoping to avoid foreclosure will be able to take advantage of the benefits afforded by HAMP.

 

In March 2009, the Treasury Department and Obama Administration announced the launch of its Making Home Affordable (MHA) Program.  HAMP, part of the MHA Program, was, designed to enable homeowners to modify their mortgages in order to prevent foreclosure.  HAMP also created standards for the mortgage servicing industry, which before that time varied widely amongst mortgage s ervicers.Homeowners whose loans are owned or guaranteed by Fannie Mae or Freddie Mac are eligible.  Additionally, many servicers of loans not owned by Fannie Mae or Freddie Mac also participate in HAMP.

 

Although MHA, and specifically HAMP, have helped many homeowners in the loan modification process, the process itself can be an intimidating and daunting one.  As part of Empire Justice Center’s mission in educating both the public and fellow advocates in matters of assisting the disenfranchised, we have taken an active role in educating both attorneys and housing counselors on the MHA Programs, including HAMP.  Empire Justice Center conducted two day trainings in foreclosure prevention for both attorneys and housing counselors in April in Syracuse and earlier this month on Long Island.  A good portion of these trainings involved navigating the HAMP process.  In addition, Empire Justice Center continues to provide two webinars a month related to relevant foreclosure issues, including several that relate directly to MHA and HAMP.  Among the Empire Justice Center attorneys presenting at these trainings and webinars are Kevin Purcell, Maria DeGennaro, and Rebecca Case Caico.

 

The MHA Program and HAMP continue to help homeowners stay out of foreclosure, and Empire Justice Center will continue to educate people across New York State on how to best utilize these programs.

 

To learn more about the programs, homeowners can visit www.MakingHomeAffordable.gov.   To learn more Empire Justice Center’s trainings and webinars, and who is eligible, attorneys and housing counselors can email amaroselli@empirejustice.org.



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