Unlocking the Doors to Housing Recovery...Sep 09, 2012 · Community Development Corp. of Long Island Speaker Introductions Hilary Lamishaw, CXHE Steering Committee NeighborWorks

Unlocking the Doors to

Housing Recovery 2012 Annual CXHE Statewide Conference

September 24, 2012

Albany, NY

Unlocking the Doors to Housing Recovery – 2012 Annual CXHE Statewide Conference

WELCOME TO:

Unlocking the Doors to Housing Recovery

Sponsored by:

New York State Coalition for Excellence in Homeownership Education

New York State Homes and Community Renewal

The Office of the New York State Attorney General

NeighborWorks® America


Opening Plenary

Welcome, Review of Day and Updates

Eileen Anderson, CXHE Steering Committee

Community Development Corp. of Long Island

Speaker Introductions

Hilary Lamishaw, CXHE Steering Committee

NeighborWorks Alliance of New York State and

Troy Rehabilitation and Improvement Program


Conference Goals

Learn about the use of National Mortgage Settlement funds to support foreclosure intervention services in New York State

Learn about recent initiatives from state and federal agencies working on related issues

Engage in strategic discussions about homeownership preservation activities

Hear a progress report on statewide efforts since last year’s conference

Facing the New York State Foreclosure Crisis 2012: Developing Effective Responses Unlocking the Doors to Housing Recovery – 2012 Annual CXHE Statewide Conference

Summary Agenda Opening Plenary

Lessons Learned from Foreclosure Intervention Work

Presentation by the Office of the NYS Attorney General about the National

Mortgage Settlement

Panel Discussion with Representatives from State and Federal Agencies

Updates from CXHE Regions

Luncheon Speaker: Carole Galante, Acting FHA Commissioner and Assistant

Secretary for Housing, U.S. Dept. of Housing and Urban Development

What’s New with the HOPE NOW Alliance and HOPE LoanPort™?

Closing Plenary

Open Session with Anchor Partners about the HOPP Grant

Review of Day, Next Steps and Closing


Ground Rules

Turn cell phones to silent

Participate actively

Listen

Respect differences

Have fun!


Opening Speaker

Lessons Learned in Foreclosure Intervention Work

Darryl C. Towns

Commissioner/CEO



Help for New York State Homeowners Concerned About Foreclosure — Self-Help Fact Sheets

Factsheets were created for you to take home today and start using immediately

Feel free to distribute fact sheets to your clients

Presentation

The National Mortgage Settlement and a

New Leadership Role for the Attorney

General’s Office

Eric T. Schneiderman

New York State Attorney General

Jane Azia

Chief of the Bureau of Consumer Frauds and Protection

Office of the New York State Attorney General


The National Mortgage Settlement:

What Does This Mean Moving Forward?

Doug Dylla, Moderator

Matthew Nelson, President, Office of Community Renewal,

NYS Homes and Community Renewal

Dina Levy, Special Assistant to the NYS Attorney General

Megan Lewis, Senior Counsel for Enforcement Strategy,

Northeast Region, Consumer Financial Protection Board

Sarah Gerecke, Senior Policy Adviser, Office of

Housing/FHA, U.S. Dept. of Housing and Urban

Development

George Haggerty, Executive Deputy Superintendent, New

York State Department of Financial Services


Help for New York State Homeowners Concerned About Foreclosure — Self-Help Materials and Resources

Over the past year, Homes & Community Renewal, NeighborWorks America, CXHE and the Empire Justice Center have worked together to provide support to families who may be facing foreclosure.

Concerned about declining funding along with increasing need — especially for information and resources specific to New York’s foreclosure process — we developed a series of fact sheets and supporting information that can be used by nonprofit housing and legal assistance counselors working with families, or as self-help resources directly for families.

Help for New York State Homeowners Concerned About Foreclosure — Self-Help Materials and Resources

These resources have been developed:

Fact sheets on a variety of topics

Desk copy of all fact sheets

Website with resources — coming soon!

Marketing templates

Help for New York State Homeowners Concerned About Foreclosure — Fact Sheets

Fact sheets provide a self-help option for consumers or can supplement info provided by nonprofits

16 fact sheets have been developed on a variety of topics for both consumers and counselors, with more coming

Fact sheets will be posted on HCR’s and CXHE’s websites

Nonprofits can:

Download and distribute to homeowners in need

Customize with your name and address or other info

Post to your websites

Share web links with consumers and allied agencies and organizations

Help for New York State Homeowners Concerned About Foreclosure — Fact Sheets for Consumers

Fact sheet topics for consumers — based on counselors’ ideas generated during last year’s CXHE Annual Conference — include:

Budgeting to Weather the Storm

Understanding New York State’s Mortgage Foreclosure Process

Developing a Case for a Loan Modification

Getting Help from Federal Programs

How To Be Your Own Advocate

NYS Mandatory Settlement Conferences

Options for Leaving Your Home and Avoiding Foreclosure

Rebuilding Your Credit Record

…And many others

Help for New York State Homeowners Concerned About Foreclosure — Fact Sheets for Organizations

Fact sheets for organizations and agencies include:

Offering Clients a Work Space

Working with Families Under Stress

Several others are in process

Download this fact sheet as a PDF to read or

print here.

Help for New York State Homeowners Concerned About

Foreclosure — Individual Fact Sheet Example

Help for New York State Homeowners Concerned About Foreclosure — Website

All fact sheets will be housed on HCR’s website: www.nyshcr.org

Agencies and organizations will be able to refer clients to the website for fact sheets and other resources

Nonprofits can to download and print the fact sheets for events, clients without web access, etc.

Fact sheets can be customized with your organization’s contact information

An interactive webpage depicting the foreclosure process with pop-out details and definitions is coming shortly

HCR’s website will house the most up-to-date version of each fact sheet

Please feel free to post links to the fact sheet at your website!

http://www.nyshcr.org/

Help for New York State Homeowners Concerned About Foreclosure – Marketing Materials

Marketing materials are available to get the word out about these self-help resources

Marketing templates include:

Press release

Postcard mailer

Email blast

Flier

Letter

The National Mortgage Settlement:

What Does This Mean Moving Forward?

Doug Dylla, Moderator

Matthew Nelson, President, Office of Community Renewal,

NYS Homes and Community Renewal

Dina Levy, Special Assistant to the NYS Attorney General

Megan Lewis, Senior Counsel for Enforcement Strategy,

Northeast Region, Consumer Financial Protection Board

Sarah Gerecke, Senior Policy Adviser, Office of

Housing/FHA, U.S. Dept. of Housing and Urban

Development

George Haggerty, Executive Deputy Superintendent, New

York State Department of Financial Services


CXHE Regional Updates

Eileen Anderson, Community

Development Corporation of Long Island

Stephanie Galvin, Albany County Rural

Housing Alliance


Luncheon Speakers

Welcome and Keynote Introduction

Deborah Boatright

Director, Northeast Region, NeighborWorks America

Keynote Speaker

Carol Galante

Acting Federal Housing Administration Commissioner and Assistant Secretary for Housing, U.S. Department of Housing and Urban Development


What’s New with HOPE NOW and HOPE LoanPort™?

Introduction

Rebecca Sinclair

Senior Community Developer, Office of Community Renewal, NYS Homes and Community Renewal

Presentation and Interactive Discussion

Faith Schwartz

Executive Director, HOPE NOW Alliance

Katie King

Director of Business Development, HOPE LoanPort ™


Closing Plenary: Anchor Partners

An Open Session with Anchor Partners on

HOPP Grant Implementation Plans

Kirsten Keefe

Senior Staff Attorney, Empire Justice Center

Anne Erickson

President and CEO, Empire Justice Center

Christie Peale

Executive Director, Center for New York City Neighborhoods


Closing Plenary: Review of the Day

Five-Minute Review of the Day

Doug Dylla

Principal, Doug Dylla Consulting


Closing Plenary: Review of Day

“It’s a journey…”

• Sept. 7, 2008 Freddie and Fannie under govt. conservatorship

• Sept. 14, 2008 Lehman bankruptcy announced

• Sept. 16, 2008 AIG liquidity crisis

• Sept, 19, 2008 TARP announced

• We’ve come a long way since the greatest financial crisis since the Great Depression



Commissioner Darryl Towns, HCR

• “The dream of homeownership has become a nightmare for some.”

• Advocates have come together. We’ve had success. There is still work to be done but we can applaud ourselves for mobilizing in a crisis and making sure it did not get as bad as it could have.

• “We can be proud of our work.”

• The AG office is taking over the funding, but HCR will still provide support.


Closing Plenary: Review of Day Eric Schneiderman, NYS Attorney General

• The National Mortgage Settlement is providing $60 million over the next three years in NYS to support this work

• Funds will be used to assist distressed homeowners and ensure that counseling and legal services can continue.

• Let’s maximize the impact of this agreement. Let’s work as a network to think systematically: How can we solve these problems? How can we protect homeowners?

• “Think big! We can be a national model.”


Closing Plenary: Review of Day Panel Discussion with State & Federal Agencies

• AG: HOPP funding announcements yesterday. Contracts out shortly. Planning conference calls in Oct. Training and TA will be available in program.

• HUD: Major re-organization of the Office of HC. Hope to do HUD HC NOFA early in FY 2013. HUD grant will be streamlined. The logic model is dead!

• HUD has released several new counseling studies. Find these at huduser.org.

• CFPB wants to hear from counselors about their proposed rule changes and complaints of servicers.

• “We depend on people who see the problems firsthand to be our eyes and our ears.”



Panel Discussion with State & Federal Agencies

• DFS will rolling out its foreclosure intervention efforts. “Recommends de-stigmatizing foreclosure.”

• HCR: “HCR will continue be involved in these efforts.”

• HCR administers 12 different programs that will help with homeownership preservation, including CDBG, HOME, NFMC, EHLP, RESTORE, and Neighborhood Stabilization Program.

• HCR is rolling out new useful factsheets (in several languages).


Review of Day: Factsheet Resources


• New fact sheets provide resources to families in distress and to counselors that are helping them.

• Provide a starting point for some and complete solutions for others.

• Look to website for the most up-to-date versions

• Available soon at www.nyshcr.org


HOPE NOW, Hope LoanPort and Anchor Partners

• HOPE NOW is seeing great progress with loan mods but there’s much more work to do – with fewer resources. “We have to solve for the dollars – but need sustainable funding for counseling services.”

• Hope LoanPort is an example of using technology better being more transparent, working better together, etc.

• Anchor Partners will be working closely with practitioners and the Office of the AG to iron out the details of the HOPP Program, as well as coordinating technical assistance and training opportunities.


Closing Plenary: Review of the Day Build a Stronger Statewide Network and Unified Voice to:

– Create self-help training materials/videos on web for homeowners

– Develop web-based intake and triage (possibly centralized)

– Create standardized processes across NY State for intake, triage, etc.

– Organize regional training workshops / clinics / webinars

– Communicate, work and negotiate with servicers

– Improve quality of servicer services – for example, addressing HAMP

confusion, settlement conference delays, poor communications

– Improve HOPE Loan Port – make it more user friendly


Closing Plenary: Review of Day Panel Discussion with State & Federal Agencies

• Think big – Bring us your biggest ideas.

• We want to act on these ideas.

• Be creative.

• Work together.


Closing Plenary: Wrap Up

Evaluation, Next Steps and Wrap Up

Kimberly Allman

Deputy Director, New York Mortgage Coalition


Closing Plenary: Closing

New York State Coalition for Excellence in Homeownership Education


The Office of the New York State Attorney General

NeighborWorks® America


Many thanks to our sponsors:


Eileen Anderson

Stephanie Galvin

Rebecca Sinclair

Susan Jouard

Kirsten Keefe

Hilary Lamishaw

Michael Meade

Blair Sebastian

Amy Christian

Ann DiPetta

Doug Dylla

Michelle DiBenedetto


And much appreciation to our speakers, volunteers and planning committee members:


You will receive a follow-up email with links to

conference materials and the conference

evaluation

Anyone who completes the online evaluation

by October 1st will be entered into a lottery for

a Kindle e-Reader!

Look for access to new Self-Help resource

materials on NYS HCR’s website

CXHE’s NEW website: www.nyscxhe.org


Documents

Unlocking the Doors to Housing Recovery...Sep 09, 2012 · Community Development Corp. of Long Island Speaker Introductions Hilary Lamishaw, CXHE Steering Committee NeighborWorks