2. Your Folder Should Contain
Referral form
Summary of Foreclosure Prevention Services
The Housing Council Brochure
Foreclosure prevention flyer
Presentation outline
Intake Specialist information (business card)

3. Why we are here Familiarity with THC and Foreclosure Prevention
You are the direct connection to people in need and you can help them by knowing what resources are available to them.
Building connections to benefit the community
“you are a direct connection to the community .people come to you

4. Agenda Background on the housing council and services provided
Foreclosure - Data and statistics
About the Foreclosure Prevention Program
How we can work together for those we service in the community
Q&A
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5. About The Housing Council
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6. the History of THC
The Housing Council in the Monroe County Area Inc., was founded in 1971 to expand safe and affordable housing opportunities for low and moderate-income persons in Monroe County, NY.
-The affiliation with PathStone Corporation took place March 7, 2013.
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7. Who we are HUD Certified Non Profit Housing Counseling Agency
We are here to educate the community on all housing related issues
Pre Purchase Education and Counseling
Post Purchase Education
Foreclosure Prevention Counseling
HECM Counseling
Landlord/ Tenant Services
Veteran Supportive Housing
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8. Programs & Services Housing Hotline 5 days a week
Rental Registry update twice a week
Landlord Training
Tenant Education
First Time Homebuyer Services
Pre and Post Purchase Education
Housing Assistance for Veterans
Foreclosure Prevention
Reverse Mortgage Counseling (HECM)
Fair Housing
Department of Human Services Inspections
Homelessness Services

9. About Foreclosure
Bigger is better

10. Foreclosure Defined
The action of taking possession of a mortgaged property.
Bank takes possession of property

11. THE DOMINO EFFECT OF FORECLOSURE
Abandoned homes
Neighborhood members lose equity in homes
Zombie Properties
Criminal activity increase in neighborhood
Make writing bigger (slightly)
Property value drop
Drop in neighborhood morale

12. *MONROE COUNTY RECORDED 23,549 VACANT PROPERTIES IN 2016.
Zombie Property facts
A zombie foreclosure or zombie home is a property that the homeowner has abandoned and assumed the home has become the property of the lender.
Zombie foreclosures fall into disrepair, attracting vandalism and other crimes while dragging down the values of nearby properties in the neighborhood.
Properties within 150 feet of zombie homes lose on average $7,000 in property value.
*MONROE COUNTY RECORDED 23,549 VACANT PROPERTIES IN 2016.
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13. Notice of Pendencies

14. 90 Day Default Notice’s

15. Jan 2016-Present:628 Jan 2017-Present: 214
14617
Jan 2016-Present:628
Jan 2017-Present: 214
855
123
Jan 2016-Present:989
Jan 2017-Present:352
14615
14612
884
278
509
180
14621
1583
524
1018
314
14613
136 37
14609
14606
433
130
14605 95 33
14607
1320
445
14611
775
270
260 69
14624
14619
14620

16. Top 3 reasons clients seek our services
Loss of Income
Reduction of Income
Medical reasons

17. Our Clients … FEAR of ending up on the street
STRESS of not knowing the process
OVERWHELMED
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18. Foreclosure Prevention Program

19. Who do we serve?
The program serves homeowners of owner-occupied, one to four unit homes, in NYS who are at risk of losing their homes to foreclosure.
We provide services for homeowners facing Mortgage and Tax foreclosures.
Our service is FREE AND CONFIDENTIAL to anyone.
There are no income guidelines.

20. Do they meet the program requirements?
Live in area of office services
Owner occupied
Name on mortgage T

21. What we do for our clients
Create a budget
A thorough analysis of each individual’s options is completed by the counselor and discussed with the client.
Create and execute action plan with client T

22. What We Do For Our Clients
Our counselors communicate with the lender and assist with all paperwork required to be sent in.
Coordinate with Legal Services for support through Settlement Conference to ADVOCATE
Homeowner works with counselor until they reach a resolution S

23. Possible Outcomes For Homeowner To Keep Their Home
Forbearance
Repayment plan
Modification

24. Transition Options Include…
Sale
Short Sale
Deed in Lieu

25. New York State MAP Program

26. Foreclosure Prevention Program
Overall Success Rate
95%

27. How We Can Work Together
Referrals
benefits
The Church as a resource – what resources do you provide for the community your serving?
Direct connections/ relationships
We can do presentations/ work with clients
Connections to other resources beyond us!

28. Questions for the Panel
Open Floor
Questions for the Panel

29. Director of Foreclosure Prevention The Housing Council at PathStone
QUESTIONS?
ext. 3006
Director of Foreclosure Prevention
The Housing Council at PathStone