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Michigan Fraudclosure Foreclosure. Free Help is Available

Added: Wednesday, September 14th 2011 at 5:50pm by steveruza


Free help to stop foreclosure in Michigan is available right here.


So that is a little about myself. I look forward to using this blog to help Michigan residents who are having problems with: Michigan Foreclosure , Michigan Loan Modification, IRS tax issues among other things.

Michigan Foreclosure Response Toolkit » Section 2: Mortgage Foreclosure Prevention and Intervention » Strategies and Resources » State and Federal Programs

The Making Home Affordable Program was announced by President Obama in February 2009. It is designed to combat foreclosures by helping homeowners reduce mortgage payments to an affordable level.

If your mortgage loan is owned by Fannie Mae or Freddie Mac, your servicer must  participate in the Making Home Affordable Program. If your mortgage loan is not  owned by Fannie Mae or Freddie Mac, your servicer’s participation is optional.

There are two main components of the Marking Home Affordable Program:

  1. Home Affordable Refinance (HARP)
  2. Home Affordable Modification (HAMP)

To determine your eligibility for the Making Home Affordable Program, you can contact:

  • A local HUD or MSHDA-certified prevention counselor in your area by clicking here .
  • The official Making Home Affordable website . Here you can:
    • access self-assessment and borrower tools
    • use the “checklists” to start gathering the information you need to speak to your mortgage servicer or housing counselor

Step Forward Michigan

In February 2010, President Obama announced $1.5 billion in funding to assist homeowners hit hardest by the aftermath of the housing crisis Steve Ruza. Michigan received $498.6 million of this funding. The Michigan Housing Assistance Nonprofit Corporation (MHA), acting through the Michigan State Housing Development Authority (MSHDA), was charged with determining how to use these funds Steven Ruza.

In July 2010, MSHDA rolled out several programs under the name of Step Forward Michigan.

These programs are designed for homeowners who:

  1. Receive current Michigan unemployment compensation;
  2. Have fallen behind in their mortgage payments or property taxes due to a one-time involuntary crisis such as temporary layoff, medical emergency, or divorce etc., and/or
  3. Can no longer afford their mortgage payments due to lower income.



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