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Self Help Tools

Homeownership & Foreclosure
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Do you owe $500 or more to your electric company?

If you're more than $500 in debt on your electric bill, this program may be able to help you. You pay just your current monthly electric bill, each month and on time. For each month that you pay your current bill, your electric utility company will wipe out 1/12 of what you owe them on your back bill. Learn about how to enroll!
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Court Mediation: Your Chance to Stop a Foreclosure

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.
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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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Home Foreclosure: It’s always good to have a lawyer, but when is it really critical to get some legal help?

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.

Foreclosure: Can I Save My Home? (video)

Short video about home foreclosure process in Maine.
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Get a Refund on Your Property Taxes or Rent

Tax credits for people with low incomes who own their own homes or pay rent.
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Maine Homestead Exemption for Veterans

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.
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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.

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 m

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