• Martin O'Malley• GOVERNOR
• Anthony G. Brown• LT. GOVERNOR•
• Raymond A. Skinner• SECRETARY•
• Clarence J. Snuggs• DEPUTY SECRETARY
HOPE
NEW GRANTEE WEBINAR
April 11, 2013
Make the most of the Webinar
Press *7 to unmute your phoneto Ask Questions
Presentation will be posted by Friday
Raise your hand or Type in Chat box if you have questions
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Foreclosure Prevention Program
Key Staff
Reginald StanfieldDirector, Community [email protected]
Virginia TepperDirector, Data & Technology [email protected]
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Foreclosure Prevention Team
Karen AshbyAssistant Director, Community [email protected]
Claudia Wilson RandallProgram [email protected]
Natasha Mehu LEGALProgram [email protected]
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Foreclosure Prevention Team
Emilie Drasher HOTLINEProgram [email protected]
Josephine SelavkumarProgram [email protected]
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Outline of Today’s Meeting
• Contracting• Reporting• Foreclosure Mediation• Questions
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Who are the New Grantees?
• Greater Washington Urban League• Cecil County Housing Department• Harford County Housing Department• Lydia’s House• Housing Counseling Services• Springboard
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What should I do if I have a question?
• Review www.mdhope.org• Email appropriate staff• Call appropriate staff
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Existing Grantees
Counseling Partners• http://
mdhope.dhcd.maryland.gov/Counseling/Pages/CounselorsList.aspx
Legal Partners• http://
mdhope.dhcd.maryland.gov/Counseling/Pages/CounselorsPortal.aspx
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Contracting - DHCD
• All contracts are going through the system.• This is a slow and unpredictable process.• The AG Settlement Contracts must be signed by
DHCD and OAG so it is taking much longer.• When your contract is executed. we request a
payment of 25% of your annual award. You will receive a fully executed contract.
• Electronic Payments can be arranged – by request
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Contracting - DHCD
• You have received a 3 year commitment.• Your agency contract is for 1 year.• There is a renewal process which will be
communicated to you in the next 3 months.
HOPE Program Reporting
What reports are required?
WORKING TOWARD AUTOMATING • Monthly Reports – 5th of the month for previous
month• Wait Time Report - 5th and 20th month• Quarterly Reports – 4/30 (Jan – March) , 7/31
(Apr – June), 10/31 (Jul – Sept), 1/31 (Oct –Dec)
Information MD DHCD needs from you
• Information Sheet – all contacts for your agency. • Monthly Reports – Excel Spreadsheet• Wait Time Report – Survey Monkey• Quarterly Reports – 4/30, 7/31, 10/31, 1/31
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DHCD Information Sheet
• Contacts • Reporting Contact• Housing Counselors on Staff• Finance Contact
Monthly Reporting – Excel Format
ORGANIZATION NAME: Reporting Period:
Case/Client InformationMonthly Reporting Period
October November December
Current Number of Counselors 2 Number of people counseled
(personalized counseling) 40 Number of mediation eligible clients
assisted 2 People HAMP Eligible 5
Total Number of Active Foreclosure Clients 78
Monthly Reporting – Excel FormatPositive Outcomes
Brought mortgage current 1 Mortgage Refinanced
Mortgage Modified 3 Mortgage Modified- HAMP Received second Mortgage
Initial forbearance agreement/repayment plan
1 Sold Property/chose alternative housing
solution 2
Pre-foreclosure Sale Total Positive Outcomes 7 0 0
Negative OutcomesExecuted a Deed-In-Lieu
Mortgaged Foreclosed Bankruptcy 2
Total Negative Outcomes 2 Cases Withdrawn
Withdrew from counseling
Monthly Reporting – Excel FormatPending Outcomes - 78
Entered debt management plan0
Counseled and referred for legal assistance 4
Referred to Legal for Mediation 2
Currently Receiving Foreclosure Prevention/Budget Counseling
68
Other 4
Total Pending Outcomes78 0 0
MHCF Wait Time Report
Survey through Zoomerang – 3 questions5th of the month 20th of the month
• Organization name• If a homeowner were to call today, how long
in days would they have to wait for an appointment?
• Comments on trends
MHCF Quarterly Report
• Review Questions• Coordinate with Finance Person• Active Cases Pending Outcomes• Stories that make sense• Budget – How did you spend dispersed funds?• Questions
MHCF Quarterly Report
• Success Stories• Provide Release – stories without attribution
are ok.• Try to provide stories on mediation, HAMP,
etc.
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DHCD BEST PRACTICES
Service Model – TriageVeteran paired with newRelationship with w/legal entityScanner and up to date technologyHOPE LOAN PORT
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DHCD BEST PRACTICES
Housing Counseling Files• Standard order of documents helps everyone• Include cheat sheet on front of file• Simple consistent way of record keeping• Electronic Notes• Records Retention Policy
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Maryland ForeclosureMediation Program
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Maryland Mediation
• Program was started in 2010• State wants to maintain a 25-30% opt in rate• You must opt-in to mediation• Everyone not entitled to mediation (investors) • Settlement does not mean the homeowner
stayed in their home• Pre – File Mediation • Electronic Submission of documents under
development
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Important Mediation Messages
• Discuss mediation at NOI stage• Remind Homeowners of 25 day clock• Encourage client to seek legal help• Request mediation even if homeowner has
missed the deadline by a few days.• Review sustainable solutions• Remind homeowners to show up if they have
opted in – no matter who calls them.
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What’s New? What’s Next?
New Outreach StrategiesMarketing Rebrand – Distribution
Events Around the StateNFMC MHA Outreach – April 30th
NFMC 7 Award Announcement – June 30th
Quarterly Meeting – June 18, 2013
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Please do after this meeting
• Share information with counselors and key staff not present today.
• Check out links that I shared with you• Review NFMC requirements• Review Housing Counseling Standards • Make links with Legal Service Providers• Attend MHCN Regional Coalition Meetings
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Links of Interest
NW Congressional ReportThe full report can be accessed at http://www.nw.org/network/nfmcp/documents/2012CongressionalReport.pdf and an appendix can be found at http://www.nw.org/network/nfmcp/documents/2012CRAppendix.pdf.
AG Settlement Informationhttp://www.nationalmortgagesettlement.com/http://www.mdhousing.org/Website/misc/SAGMortgageServicing.aspxhttp://www.oag.state.md.us/mortgageSettlement/index.htmlhttp://www.dllr.state.md.us/finance/consumers/robosigning.shtml
Questions?