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The links in the shaded box below indicate where you are in the list of topics. Below that you will see the sub-topics and the resources relevant to this topic.

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Client Resource Library /  Consumer /  Mortgages and Foreclosure

Condominiums  [Dynamic Doc]
Condominium basics, including what to consider before purchase and where to go for more information.

Determining Coverage Under HOEPA  [URL]
The Home Ownership Equity Protection Act (HOEPA) identifies a class of high-cost home equity loans through rate and fee triggers.

Evictions for Nonpayment of Rent  [Dynamic Doc]
This brochure is intended to help tenants understand the eviction process if they are being evicted for nonpayment of rent.

Evictions for Termination of Tenancy  [Dynamic Doc]
Brief overview of the eviction process for Michigan renters whose tenancy is being terminated

Getting a Name OFF A Deed  [Dynamic Doc]
Getting a loved one's name off a deed following their passing can be simple and inexpensive.

Home Equity Loans  [Dynamic Doc]
If you are considering obtaining funds through a home equity loan, you should know about the precautions, rights and responsibilities described in this article.

Home Repair Frauds  [Dynamic Doc]
Many home owners are exposed to home repair and home improvement frauds because of their desire to improve their homes. While the Federal Trade Commission has established a special task force to police advertising for siding, insulation and other energy-saving improvements, consumers need to use common sense when dealing with home improvement and repair companies.

How Mortgage Foreclosure Affects Tenants  [Dynamic Doc]
The Protecting Tenants at Foreclosure Act of 2009 (Sec. 701-704 of Title VII of Public Law 111-22) was enacted on May 21, 2009, and offers protection to tenants in foreclosed properties.

Landlord-Tenant and Land Contract Court Forms  [URL]
These forms should be filed in District Court. Use the Court Locations tab above to find the address of your District Court.

Looking for the Best Mortgage?  [URL]
Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage—whether it's a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. You'll want to compare all the costs involved in obtaining a mortgage.

Michigan’s New Foreclosure Law Q & A  [Dynamic Doc]
On May 20, 2009, the Governor signed into law amendments to the Michigan foreclosure by advertisement statute. The new law requires a mandatory 90-day pre-foreclosure process to allow the borrower and the mortgage holder to work together to avoid foreclosure. Frequently asked questions about the new law follow:

Renters' Rights  [URL]
Information on evictions, access to utilities, security deposits, and property maintenance issues

Reverse Mortgages  [Dynamic Doc]
If you are age 62 or older and have a lot of equity in your home but not a lot of cash, a reverse mortgage (RM) may be an option to help increase your income. Knowing your rights and responsibili­ties as a borrower may help to minimize your financial risks and avoid any threat of foreclosure or loss of your home.

Tenants & Landlords - A Practical Guide  [Dynamic Doc]
General guide to landlord tenant law in Michigan with sample forms and letters. 2003 Update.

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