1. Pathways Home

2. Module 7 Meeting Your Financial Obligations

3. Objectives Meeting financial obligations Prioritizing homeownership expenses Understanding foreclosure Foreclosure rescue scams Post-counseling services Building equity

4. Meeting Financial Obligations Importance of timely mortgage payments Understanding foreclosure Preparing to cope with hardship Benefit of prepayment of your loan

5. Prioritizing Homeownership Expenses Making a Timely Mortgage Payment Fixed vs. flexible expenses – Exercise page 3

6. Understanding Foreclosure Right to take home and resell Identify foreclosure procedures that apply to your community

7. Land Status & Foreclosure Trust Property Fee Land Hawaiian Home Lands

8. Steps to Avoid Foreclosure Communicate with your lender Explore loan workouts – Payment Plan – Forbearance – Loan Modification – Partial Claim

9. Other Options Giving Up the Home Pre-foreclosure Sale – Delay the foreclosure and give you time to sell the house – Forgive the difference if you get less from the sale than you owe on the loan. Deed in lieu of foreclosure

10. Foreclosure Rescue Scams “Stop Foreclosure Now!” “We guarantee to stop your foreclosure” “We can Save Your Home. Guaranteed Free Consultation.”

11. Reporting Fraud Federal Trade Commission – 1-877-FTC-HELP Your State Attorney General Your Local Better Business Bureau Your Housing Counselor

12. Post-Purchase Counseling Budget planning and preparation Budget review Warranty issues Maintenance counseling Delinquency counseling

13. Foreclosure Prevention Exercise Pages 10 & 11

14. Prepaying Your Loan Review the example on page 12 Tips

15. Wrapping Up Module 7 Reflection Highlights Review Suggestions

16. Pathways Home

17. Module 8 Protecting Your Investment

18. Objectives: Insurance Preparing for Emergencies Preventing crime and ensuring safety Home Maintenance Housekeeping for a healthy home Meeting your financial obligations

19. Creating a Home Inventory

20. http://www.theredguidetorecovery.com/the-red-guide-ebook/

21. Creating a Home Inventory

22. Insurance Basics Hazard or homeowner’s insurance Contents Insurance Life Insurance

23. Homeowner’s Insurance Package

24. Warranty Protection When you use a builder for a new home construction or home rehab, make sure to obtain the various warranties that cover the equipment, materials and workmanship provided.

25. Preparing for Emergencies

26. Ensuring Safety

27. Preventing Crime

28. Maintaining Your Home Home repairs Preventive home maintenance plan Activity – Create Seasonal Maintenance Plans

29. Knowing Your Home’s Features Plans, specification of the home Utility consumption information Solid waste pick-up schedule Warranty information and certificates Pre-purchase inspection baseline data

30. Developing Home Records Brand Name Serial Number Purchase Date Warranty expiration Service Information Appendix A, B & C

31. Activity Prioritizing Home Repairs Budgeting to Meet Future Obligations – Exercise page 37

32. Housekeeping for a Healthy Home Why clean? Why disinfect? What are the consequences of an unsanitary home?

33. Arranging for a Will Beneficiary Life insurance Tribal Life Estate Code

34. Wrapping Up Module 8 Reflection Highlights Exercise Suggestions