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Fair Housing Napa Valley ---- Beware of Foreclosure Rescue Scams

Fair Housing Napa Valley ---- Beware of Foreclosure Rescue Scams. 601 Cabot Way Napa, CA 94559 Ph: (707) 224-9720 www.napafairhousing.org. Fair Housing Napa Valley Programs. Fair Housing Assure equal housing opportunity for all Tenant-Landlord Disputes

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Fair Housing Napa Valley ---- Beware of Foreclosure Rescue Scams

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  1. Fair Housing Napa Valley ----Beware of Foreclosure Rescue Scams 601 Cabot Way Napa, CA 94559 Ph: (707) 224-9720 www.napafairhousing.org

  2. Fair Housing Napa ValleyPrograms • Fair Housing • Assure equal housing opportunity for all • Tenant-Landlord Disputes • Provide information on rights and responsibilities • Mobile Home Parks • Administer the City of Napa Memorandum of Understanding

  3. Federal Race Color Religion National Origin Sex Disability Familial Status State of California (In Addition to Federal Statutes) Age Ancestry Sexual Orientation Medical Condition Marital Status Arbitrary Characteristics Source of Income Protected Classes

  4. Housing Covered Any Residential Property --- Houses Apartments Houseboats Transitional Housing and Homeless Shelters Migrant Farm-worker Housing

  5. All Housing Related Transactions Covered Sales Rentals Lending and Insurance Maintenance Rules in Homeowner Associations & Mobile Home Parks Land Use and Zoning

  6. Special Disability Provisions • Reasonable Modifications • Reasonable Accommodations • Design and Construction Standards in New Construction Multifamily Housing

  7. An exemption or exception from a rule, procedure or policy. No “undue burden” on Housing Provider. Generally little or no expense to the landlord Disability Accommodations

  8. Reasonable Modifications • Physical changes to structure or property • Landlord must permit reasonable changes • Minimal expense to the landlord, otherwise paid for by renter • Renter may need to restore interior of unit when leaving

  9. Fair Housing Enforcement • State Administrative Enforcement California Dept of Fair Employment and Housing (DFEH) Ph: 1-800-233-3212 • Federal Administrative Enforcement US Dept of Housing and Urban Development (HUD ) Ph: 1-800-669-9777 • Litigation in Federal or State Court

  10. Help With Mortgage Problems • Don’t Panic • Don’t ignore letters from your lender • Do contact a • HUD approved housing counseling agency • Fair housing agency, or • An attorney. • Never make false or misleading statements.

  11. Help With Mortgage Problems • Call 1-888-995-4673 (HOPE NOW) or www.995hope.org • Tax Relief • http://www.irs.gov/individuals/article/0,,id=179414,00.html

  12. After The Bank Takes Title • Owners get 3-day Notice to Vacate • Tenants have the right to stay for 90 days or through the term of their lease.* • Security Deposits *Law expires at the end of 2012

  13. Foreclosure Rescue Scams • Unsolicited letters, flyers or calls offering assistance • Offers from a persons who “helped” with the original loan • Casual acquaintances offering assistance

  14. Foreclosure Rescue Scams • Be very suspicious if the person asks for upfront payments • Be wary if your home is worth more than what you owe. • Read everything carefully and ask questions. • Don’t pay your mortgage payments to someone other than your lender.

  15. Foreclosure Rescue Scams • Never sign a document without reading it first and never sign a document that you don’t understand. • Never sign away ownership (don’t transfer title or sell your house to the foreclosure “rescuer”). • Don’t sign anything with blank lines or spaces.

  16. Reporting Foreclosure Rescue Scams • File a complaint with the Attorney General’s Office at the following address: Office of the Attorney General – Public Inquiry Unit, P.O. Box 944255, Sacramento, CA 94244 • Online at www.ag.ca.gov/consumers

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