Tag Archives: vicki newcomb

Extension staff members help residents through property tax assistance

In a July 26, 2012, Spotlight, I told you about the Step Forward Michigan Program. The U.S. Department of the Treasury established the Hardest Hit Fund in 2010 to aid families in states hit hardest by the economic and housing market downturn. The Michigan State Housing Development Authority (MSHDA) oversees distribution of the fund in Michigan where it’s known as the Step Forward Michigan Program.

In January 2013 through the Step Forward Michigan Program, the MSHDA added property tax assistance to their Loan Rescue Program. Homeowners that have endured a qualifying involuntary hardship that has caused them to fall behind may be eligible. Without this assistance, these homeowners, which in many cases have paid off their home mortgage, would have lost their homes due to tax foreclosure.

Our Michigan State University Extension counseling and support staff provide ongoing help to homeowners in getting questions answered, helping with the application process and correcting applications so that Macomb County residents have the best chance for assistance. Greening Michigan Extension, Financial and Homeownership Education (FHE) educator Jean Lakin leads the team of Natalie Ciampichini, Helena Fleming, AmeriCorps member Alicia McMiller and Rob Weber.

Extension educator and District 11 coordinator Marie Ruemenapp said, “Macomb Executive’s Office staff and the treasurer are just ecstatic with what MSUE (Jean and her staff) have been able to do.”

“The very productive partnership between MSU Extension and the Macomb County Treasurer’s Office is really what has driven the success of this program in Macomb,” said Ted Wahby, the Macomb County treasurer. “As we reach out to delinquent taxpayers, we know we can count on Jean Lakin and her team of housing counselors at MSUE to guide people through the application process. Our team effort has resulted in more than $1.1 million dollars in back taxes paid, and more than 175 families no longer at risk of losing their home.”

Read more in this Macomb Daily article: http://www.macombdaily.com/government-and-politics/20131003/treasurers-program-collects-900000-saves-hundreds-of-homes

Macomb is not the only county taking advantage of the Step Forward Michigan program and of the help given by MSU Extension staff.

Denine Kamprath, deputy Monroe County treasurer said, “We feel that this program is a wonderful opportunity to help people that have hardship situations be able to get ‘caught up’ on the back taxes that they owe, and to keep them out of the foreclosure situation. Hopefully, by getting this assistance, they will be able to stay on track and avoid falling back into this pattern for the future. . . . Thanks for all your continuous help with our residents.”

In Monroe County, according to Deputy Treasurer Kamprath, with support from MSU Extension staff members Terry Clark-Jones and Pam Sarlitto, 18 residents have been assisted and a total amount of $113,533.94 in back taxes has been collected as of October 2013.

MSU Extension is an MSHDA-certified housing counseling agency. We have been assisting Michigan residents in applying for the tax foreclosure Step Forward Michigan funds since Jan. 15.

Other Financial and Homeownership Education work group members across the state involved in helping Michigan residents through the Step Forward Michigan program besides those mentioned above include Jim Buxton, Scott Day, Sharon Jeffery, Mike Krauch, Brenda Long, Julie Moberg, AmeriCorps member Vicki Newcomb, Christine Venema, Beth Waitrovich and Vivian Washington.

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MSU Extension educators counsel struggling homeowners

A perfect storm of “job losses, increasing monthly mortgage payments, and property value depreciation, among other factors, have made Michigan the center of the foreclosure crisis,” according to Michigan Attorney General Bill Schuette.

 The effects of foreclosure threaten the dream of homeownership for many, ruin credit and push families into crisis very quickly, reducing their quality of life and putting them at risk of homelessness. Children forced to move due to a foreclosure run the risk of being uprooted from their schools and isolated from friends.

 Besides having personal ramifications, foreclosure affects communities through abandoned housing, declines in neighborhood property values and an increase in the cost of city services. A single foreclosed property can be a high cost to taxpayers while the cost of foreclosure counseling is low in comparison.

 An Urban Institute report, published January 2012, demonstrated significant positive effects of financial counseling. Counseled homeowners were more likely to receive more affordable loan modifications, cure serious delinquencies, remain current on their loans and avoid foreclosure completions altogether.

 Michigan State University Extension staff members are working to help Michigan residents keep their homes in these uncertain economic times. In Ionia County, Brenda Long, Extension educator; Jim Buxton, Extension program worker; and Vicki Newcomb, Michigan Foreclosure AmeriCorps Program member; counsel struggling homeowners. The foreclosure education and intervention is available at no cost to distressed homeowners.

 In 2011, MSU Extension Ionia County served 115 homeowner households with one-on-one foreclosure mitigation education and counseling. Out of those homeowner households, 36 percent were able to keep their mortgages current, keep to a repayment plan or receive a modification cure. Only 16 percent foreclosed.

 Preventative measures can prevent financial problems before they lead to foreclosure. Open to anyone interested, the MSU Extension Pre-Purchase Home Buyer Education Program served 20 households in Ionia County in 2011. Most had already chosen their homes to purchase and were referred by local lenders for education prior to closing on their mortgage loans. Education focused on closing, budgeting, and keeping and maintaining the home.

 MSU Extension educators Chris Venema in Lapeer County, Jean Lakin in Macomb County and Terry Clark-Jones in Washtenaw County coordinate similar housing education programs.

 MSU Extension also offers an online homebuyer education course available statewide at ehomeamerica.org/msue.

 The Michigan State Housing Development Authority (MSHDA) has been a key partner of MSU Extension since 1990. Because our housing counselors are MSHDA certified, we receive support, local partnerships and opportunities for revenue.

 MSU Extension is also a HUD-approved organization statewide. The mission of HUD (the U.S. Department of Housing and Urban Development) is to create strong, sustainable, inclusive communities and quality affordable homes for all.

 Thanks to our MSU Extension colleagues who are helping people to improve their lives by reducing the risk of mortgage foreclosure through financial counseling and education.

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