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Self Help Tools

Homeownership & Foreclosure
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The Maine Court gives you the chance to go through a mediation process before your home can be foreclosed upon. This is probably your last best chance to save your home - or to find out about your other legal options.
If you're being threatened with a foreclosure of your home, you are not alone. Here are some tools to help: if you are having trouble keeping up with your mortgage payments, if you are already receiving threatening notices from your loan servicer, or even if you are already facing foreclosure.
Hiring a lawyer can be expensive and there are not enough free lawyers to help everyone who needs one. On the other hand, a lawyer can make a big difference in certain situations. Below we identify five such situations.
Short video about home foreclosure process in Maine.
General Maine Homestead Exemption All Maine residents who own their homes can claim a homestead tax exemption. Go here to learn more about the basic Maine Homestead Exemption and how service members based in Maine can qualify.
Use this worksheet to see if you qualify for the Veteran's Property Tax Exemption. 1. Are you a Maine Resident? Yes. Go to Question 2. No. You cannot take this exemption.
In a foreclosure situation, the bank may be required to determine the "Net Present Value" of your home.  Doing this math can help the lender know whether a loan modification would be in everyone's best interests.  The attachment below is the calculator the FDIC posted on its website until recently and the one that Maine m
Educate yourself. Many, many people are in fear of losing their homes. Maine provides some free help resources, but not everyone will be able to get a free lawyer. Here, we want to help you get started by telling you about some options and where you may be able to get further help.
Beginning Jan. 1, 2010, the Maine Courts began offering a mediation program. This gives debtors the chance to sit down with their lender at the beginning of the court foreclosure process, to see if they can reach an agreement.
You can file the attached form in the Maine District Court if you get court papers saying that your home is being "foreclosed."   You must act right away; there is a 20 day deadline.

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