Martin O'Malley GOVERNOR Anthony G. Brown LT. GOVERNOR Raymond A. Skinner SECRETARY Clarence J. Snuggs DEPUTY SECRETARY HOPE NEW GRANTEE WEBINAR April.

• 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?