Register O’Donnell Promotes Foreclosure Assistance Programs
Register of Deeds William P. O’Donnell recently reminded Norfolk County homeowners who are struggling to pay their mortgage or facing foreclosure that there are consumer programs available to help them out. There has been a noticeable increase in notices to foreclosure and foreclosure deeds recorded in 2022.
“The COVID-19 pandemic caused a great deal of upheaval in all our lives; some more than others.” Register O’Donnell stated. “Some of our neighbors have been furloughed or lost their jobs all together due to the economic impact resulting from the pandemic. In the beginning of the pandemic, policy makers at the state and federal levels recognized the impact the pandemic was having on the ability of many to pay their mortgages and rents. A moratorium was put in effect which suspended foreclosure. The moratorium expired in October, 2020, but unfortunately the number of recorded foreclosure notices continues to increase.”
To help those facing issues paying their mortgage, the Registry of Deeds has partnered with several non-profit agencies by promoting their services when it comes to mortgage modification and foreclosure programs. Homeowners can contact Quincy Community Action Programs, 617-479-8181, x376, or NeighborWorks Housing Solutions at 508-587-0950, x46. Another option available is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400. Making use of funds from the recent nationwide state-federal settlement over unlawful foreclosures, the Massachusetts Attorney General’s Office implemented a statewide foreclosure prevention and borrower support initiative entitled the HomeCorps. If you are facing foreclosure, the HomeCorps program may be able to help. The HomeCorps Hotline at 617-573-5333.
“All of these agencies provide a range of assistance, from helping with the mortgage modification process, providing legal services, and offering credit counseling,” Register O’Donnell stated. “For more information on these and other support options, go to the Registry’s website www.norfolkdeeds.org, click on the Support tab, and then click on the subtab that mentions Foreclosure Assistance. The state website also has a page devoted to foreclosure assistance at mass.gov/service-details/preventing-foreclosure.”
Register O’Donnell also warned homeowners against falling prey to for-profit companies who offer loan modification and credit counseling services but charge an exorbitant fee.
“Even in these times, unscrupulous for-profit foreclosure relief and mortgage modification companies are in some cases preying on vulnerable homeowners,” Register O’Donnell stated. “They make unrealistic promises and charge a lot of money for doing so. If one of these companies is telling you something that is too good to be true, it probably is. Please check out any for-profit foreclosure relief and mortgage modification company before entering into a contract with them.
With the foreclosure moratorium rescinded, many individuals and families are still faced with some very difficult decisions. It is truly tragic that so many are having issues paying their mortgages and facing foreclosure through no fault of their own. If you or a loved one are in this situation, it would be prudent to sit down with a reputable non-profit agency such as Quincy Community Action Programs, NeighborWorks Housing Solutions or the Massachusetts Attorney General’s office to discuss what options are available. The Registry is always glad to help those facing a mortgage delinquency or foreclosure crisis by directing them to one of these fine agencies. Each of these organizations are there to serve your needs in a professional and honorable manner.”
To learn more about Registry of Deed’s events and initiatives, like uthem at facebook.com/NorfolkDeeds or follow on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.
The Norfolk County Registry of Deeds is located at 649 High St., in Dedham. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information. All land record research information can be found on the Registry’s website www.norfolkdeeds.org. Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at 781-461-6101, or email [email protected].