Home Foreclosures: Ohio
Ohio Rev. Code Ann. §§ 323.151 to 323.159 (West)
Ohio Rev. Code Ann. §§ 323.151 to 323.159 (West)
Okla. Stat. tit. 68, §§ 2888 to 2890; 2904 to 2911
Or. Rev. Stat. § 307.250
Disabled Veterans: Exemption not to exceed $15,000 for certain disabled veterans and unremarried surviving spouses. Exemption is $18,000 if disability is service-connected. Since July 1, 2000, exemption each year is 103% of previous year’s exemption.
72 Pa. Cons. Stat. §§ 4751-21 to 4751-26
Elder: Persons age sixty-five or over are entitled to a tax rebate for property taxes paid, according to a schedule which is based on income and amount paid. Schedule at § 4751-24.
P.R. Laws Ann. tit. 29, § 737
R.I. Gen. Laws §§ 44-3-4 to 44-3-52
Totally Disabled: City or town council may freeze tax rate and valuation for totally disabled persons. Applicant must meet established income requirements of the locality. §§ 44-3-15, 44-3-16.
S.C. Code Ann. §§ 12-37-210 to 12-37-450
S.D. Codified Laws §§ 10-6B-1 to 10-6B-15
Tenn. Code Ann. §§ 67-5-701 to 67-5-705
Elder Low-Income: Low-income elder homeowners pay no taxes on the first $27,000 of value, subject to income limitations. Income limit $24,000 (2007). § 67-5-702. Income limitation will be adjusted according to the cost of living increases for Social Security.
Tex. Tax Code Ann. §§ 11.13 to 11.134, 11.22, 11.26, 11.432 (West)
Homestead: Owner is entitled to exemption from county taxation of $3000 of the assessed value of residence, and exemption of $25,000 of appraised value from school district taxation. § 11.13. Special application and eligibility requirements apply for manufactured homes. § 11.432.
Utah Code Ann. §§ 59-2-1104 to 59-2-1220 (West); §§ 59-2-1902, 59-2-1903
Vt. Stat. Ann. tit. 24, § 1535
General: The board of assessors may abate in whole or in part the taxes of persons who are unable to pay. § 1535(a).
V.I. Code Ann. tit. 33, § 2305
Homestead: Property owners and their spouses are entitled to a $400 tax credit. Exemption from real property taxes for principal residence up to the first $20,000 of the assessed value.
Elder: Residents sixty and older whose gross individual income does not exceed $30,000 and gross household income does not exceed $50,000, are entitled to a tax credit of $500.
Va. Code Ann. §§ 58.1-3200 to 58.1-3228
Wash. Rev. Code §§ 84.36.381, 84.38.030
W. Va. Code §§ 11-6B-1 to 11-6B-12
Elder or Disabled: First $20,000 of value exempt from homestead when owner is sixty-five or older, or is disabled, and has been resident of West Virginia for two years. § 11-6B-3.
Wis. Stat. §§ 234.621 to 234.625
Elder: Persons sixty and older with income of not more than $20,000, may apply for loans to pay for property taxes and special assessments in the amount of the property taxes at prime plus 1%. The loan is due upon the death of the taxpayer or last surviving co-owner, or transfer of the property. Qualifying co-owner may assume the account. The loan creates a lien on the property for the amount of the loan. §§ 234.622 to 234.625.
Wyo. Stat. Ann. §§ 39-11-105, 39-13-105, 39-13-109
[This list is not exhaustive, just illustrative.]
Federal National Mortgage Association (Fannie Mae):
The Fannie Mae Single-Family Servicing Guide is available by following the links at this site.
Federal Home Loan Mortgage Corporation (Freddie Mac):
Home Affordable Modification Program:
This is the administrative website for servicers created by the Department of Treasury.
Making Home Affordable Program:
The general website for the Making Home Affordable Program.
Consumer Financial Protection Bureau:
U.S. Census Bureau, American Housing Survey:
U.S. Department of Education:
U.S. Department of Housing and Urban Development:
Equifax:
Experian (formerly TRW):
TransUnion:
To order free reports:
AARP:
This website provides information about elder-related issues, including many consumer issues such as reverse mortgages and predatory lending. AARP’s model state law on Home Improvement Financing is also available on its website.
American Bankruptcy Institute:
Center for Responsible Lending:
Fitch Ratings:
Independent Foreclosure Review:
National Mortgage Settlement: