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Tax information
For property tax information in Oregon counties:
bluebook.state.or.us/local/counties/counties.htm
Department of Revenue:
Tax Deferral Program
503-378-4988
http://www.oregon.gov/DOR/SCD/index.shtml
Frequently asked questions
Real property foreclosure:
http://www.oregon.gov/DOR/PTD/IC_310_671.shtml
Federal tax liens for unpaid taxes:
www.irs.gov/businesses/small/article/0,,id=108339,00.html#Notice
"Cancellations of Debt" or CODs as a result of a home foreclosure; formulas to calculate CODs:
www.irs.gov/newsroom/article/0,,id=174034,00.html and www.irs.gov/faqs/faq4-4.html
Making Home Affordable
http://www.makinghomeaffordable.gov/
A to-do list for permanent modification:
http://www.youtube.com/watch?v=-pqBtoh0Q6A
Net present value evalution
https://checkmynpv.com
Construction or "mechanic's liens"
Construction Contractors Board:
503-378-4621
www.oregon.gov/ccb
Mortgage payments rights information
Department of Housing and Urban Development (HUD)
www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm
Federal Trade Commission
Mortgage servicing publication
www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm
Sample written complaint to lender under the Real Estate Settlement Procedures Act (RESPA)
http://www.hud.gov/offices/hsg/ramh/res/reslettr.cfm
Loan programs
Refinance for “underwater borrowers"
http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/10-23ml.pdf
Self-assessment tool Hope Loan Portal - See if you qualify
http://www.hopeloanportal.org/
Freddie Mac Standard Modification
http://www.freddiemac.com/singlefamily/service/docs/standard_mod_service_fact_sheet.pdf
Independent foreclosure review
http://www.independentforeclosurereview.com/
Reverse Mortgages
To obtain information about Fannie Mae's HomeKeeper loan program please call
1-800-7Fannie (1-800-732-6643) or e-mail resource_center@fanniemae.com.
Home Equity Conversion Mortgages (HECM)
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/hecm/hecmhome
Department of Veterans Affairs foreclosure prevention
Information about the VA Making Home Affordable Program
http://www.benefits.va.gov/homeloans/scra.asp
Foreclosure prevention and loss mitigation videos
http://www.benefits.va.gov/homeloans/ondemand_vets_stream_video.asp
Fannie Mae foreclosure prevention
http://www.knowyouroptions.com
Foreclosure counseling agencies
800-SAFENET or 800-723-3638
www.dfcs.oregon.gov/ml/foreclosure/counselors.html
Foreclosure Hotline:
888-995-HOPE
(888-995-4673)
Credit scores
How short sales and foreclosure affects credit scores:
http://bankinganalyticsblog.fico.com/2011/03/research-looks-at-how-mortgage-delinquencies-affect-scores.html
Foreclosure scams
To report foreclosure scams:
State Attorney General Office:
877-877-9392
www.doj.state.or.us
Freddie Mac - Avoid Fraud
a video explaining how foreclosure scams work
www.youtube.com/AvoidFraud
Verify Oregon mortgage lender licensees/registration To verify a loan originator license
http://www4.cbs.state.or.us/ex/dfcs/LOReg/index.cfm
To verify a registered debt management service provider, including loan modification companies
http://www.dfcs.oregon.gov/debt_mgmt/registered_businesses.html
File a complaint against a lender
Banks
www.cbs.state.or.us/dfcs/complaint.html#banks
National banks
www.helpwithmybank.gov
Credit Unions
www.cbs.state.or.us/dfcs/complaint.html#cu
Mortgage companies
www.cbs.state.or.us/dfcs/complaint.html#ml
Consumer Financial Protection Bureau
www.consumerfinance.gov
Regulation B, Equal Credit Opportunity Act
http://www.federalreserve.gov/boarddocs/caletters/2009/0913/caltr0913.htm
Other resources
Housing Connections
www.housingconnections.org
Dial 2-1-1
www.211info.org
The Division of Finance & Corporate Securities has a free publication for consumers "Foreclosure, you can avoid it." For a free copy, please contact 503-378-4140, 866-814-9710 (toll-free), or write to:
DFCS
Consumer Information Program
350 Winter Street NE, Room 410
Salem, Oregon 97301
You also can download the brochure at http://www.cbs.state.or.us/external/dfcs/pdf/3496.pdf.
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