Self Help Tools

Homeownership & Foreclosure
Displaying 11 - 20 of 35
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Do I Qualify for the Veteran's Property Tax Exemption?

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.
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Can a Creditor Put a Lien on My House?

Yes. But there may be something you can do about it. Maine law has some protections for homeowners in this situation.

Foreclosure: Net Present Value Calculator

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 mediators are still using
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Free and Low Cost Phone Services

*The purpose of this page is to inform you of the options available. PTLA does not endorse or critique any of these services.  You may want to check with reliable consumer sites before signing on with a wireless company. 
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Foreclosure - Simplified Answer and Request for Mediation Form

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.

Tips for Homeowners Facing Foreclosure

Watch this video to learn some basics about foreclosure in Maine. Then go to our Foreclosure Prevention Toolkit to view more videos and read more detailed self-help information.  
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Fair Housing

It is illegal for a Maine landlord to refuse to rent to you because of your color, race, religion, national origin, sex, sexual orientation, disability, having children, or getting public aid. Contact us if you have questions or think you have suffered illegal housing discrimination.  
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Foreclosure Prevention Toolkit

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.
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I Can't Pay the Taxes on my House: What Can I Do?

In Maine, if you cannot pay your tax bill for the property you live on, there is something you can do. Your city or town can decide that you don't have to pay some or all of it. This is called a "poverty tax abatement."
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Foreclosure Rescue Scams: Just Say No!

BEWARE! If you have fallen behind on your mortgage or you are going through foreclosure, you may hear from someone offering to save your home or fix your credit. Watch out! This may be a scam!