Martin O'Malley GOVERNOR Anthony G. Brown LT. GOVERNOR Raymond A. Skinner SECRETARY

1. HOPE NEW GRANTEE WEBINAR April 11, 2013 • Martin O'Malley • GOVERNOR • Anthony G. Brown • LT. GOVERNOR • Raymond A. Skinner • SECRETARY • Clarence J. Snuggs • DEPUTY SECRETARY

2. Make the most of the Webinar Press *7 to unmute your phone to Ask Questions Presentation will be posted by Friday Raise your hand or Type in Chat box if you have questions

3. Foreclosure Prevention Program Key Staff Reginald Stanfield Director, Community Programs stanfield@mdhousing.org 410-514-7209 Virginia Tepper Director, Data & Technology Resources tepper@mdhousing.org 410-514-7359

4. Foreclosure Prevention Team Karen Ashby Assistant Director, Community Programs ashby@mdhousing.org 410-514-7209 Claudia Wilson Randall Program Officer wilsonrandall@mdhousing.org 410-514-7234 Natasha Mehu LEGAL Program Manager mehu@mdhousing.org 410-514-7124

5. Foreclosure Prevention Team Emilie Drasher HOTLINE Program Manager drasher@mdhousing.org 410-514-7221 Josephine Selavkumar Program Manager mehu@mdhousing.org 410-514-7124

6. Outline of Today’s Meeting • Contracting • Reporting • Foreclosure Mediation • Questions

7. Who are the New Grantees? • Greater Washington Urban League • Cecil County Housing Department • Harford County Housing Department • Lydia’s House • Housing Counseling Services • Springboard

8. What should I do if I have a question? • Review www.mdhope.org • Email appropriate staff • Call appropriate staff

9. Existing Grantees Counseling Partners • http://mdhope.dhcd.maryland.gov/Counseling/Pages/CounselorsList.aspx Legal Partners • http://mdhope.dhcd.maryland.gov/Counseling/Pages/CounselorsPortal.aspx

10. Contracting - DHCD • All contracts are going through the system. • This is a slow and unpredictable process. • The AG Settlement Contracts must be signed by DHCD and OAG so it is taking much longer. • When your contract is executed. we request a payment of 25% of your annual award. You will receive a fully executed contract. • Electronic Payments can be arranged – by request

11. Contracting - DHCD • You have received a 3 year commitment. • Your agency contract is for 1 year. • There is a renewal process which will be communicated to you in the next 3 months.

12. HOPE Program Reporting

13. What reports are required? WORKING TOWARD AUTOMATING • Monthly Reports – 5th of the month for previous month • Wait Time Report - 5th and 20thmonth • Quarterly Reports – 4/30 (Jan – March) , 7/31 (Apr – June), 10/31 (Jul – Sept), 1/31 (Oct –Dec)

14. Information MD DHCD needs from you • Information Sheet –all contacts for your agency. • Monthly Reports – Excel Spreadsheet • Wait Time Report – Survey Monkey • Quarterly Reports – 4/30, 7/31, 10/31, 1/31

15. DHCD Information Sheet • Contacts • Reporting Contact • Housing Counselors on Staff • Finance Contact

16. Monthly Reporting – Excel Format

17. Monthly Reporting – Excel Format

18. Monthly Reporting – Excel Format

19. MHCF Wait Time Report Survey through Zoomerang – 3 questions 5th of the month 20th of the month • Organization name • If a homeowner were to call today, how long in days would they have to wait for an appointment? • Comments on trends

20. MHCF Quarterly Report • Review Questions • Coordinate with Finance Person • Active Cases Pending Outcomes • Stories that make sense • Budget – How did you spend dispersed funds? • Questions

21. MHCF Quarterly Report • Success Stories • Provide Release – stories without attribution are ok. • Try to provide stories on mediation, HAMP, etc.

22. DHCD BEST PRACTICES Service Model – Triage Veteran paired with new Relationship with w/legal entity Scanner and up to date technology HOPE LOAN PORT

23. DHCD BEST PRACTICES Housing Counseling Files • Standard order of documents helps everyone • Include cheat sheet on front of file • Simple consistent way of record keeping • Electronic Notes • Records Retention Policy

24. Maryland Foreclosure Mediation Program

25. Maryland Mediation • Program was started in 2010 • State wants to maintain a 25-30% opt in rate • You must opt-in to mediation • Everyone not entitled to mediation (investors) • Settlement does not mean the homeowner stayed in their home • Pre – File Mediation • Electronic Submission of documents under development

26. Important Mediation Messages • Discuss mediation at NOI stage • Remind Homeowners of 25 day clock • Encourage client to seek legal help • Request mediation even if homeowner has missed the deadline by a few days. • Review sustainable solutions • Remind homeowners to show up if they have opted in – no matter who calls them.

27. What’s New? What’s Next? New Outreach Strategies Marketing Rebrand – Distribution Events Around the State NFMC MHA Outreach – April 30th NFMC 7Award Announcement – June 30th Quarterly Meeting – June 18, 2013

28. Please do after this meeting • Share information with counselors and key staff not present today. • Check out links that I shared with you • Review NFMC requirements • Review Housing Counseling Standards • Make links with Legal Service Providers • Attend MHCN Regional Coalition Meetings

29. Links of Interest NW Congressional Report The full report can be accessed at http://www.nw.org/network/nfmcp/documents/2012CongressionalReport.pdf and an appendix can be found at http://www.nw.org/network/nfmcp/documents/2012CRAppendix.pdf. AG Settlement Information http://www.nationalmortgagesettlement.com/ http://www.mdhousing.org/Website/misc/SAGMortgageServicing.aspx http://www.oag.state.md.us/mortgageSettlement/index.html http://www.dllr.state.md.us/finance/consumers/robosigning.shtml

30. Questions?