When you need a hand, you can find one at Independent Bank. If you’re experiencing financial challenges, we’re here for you.
If you’re experiencing difficulty paying for your mortgage, we’re here to offer solutions, some of which may include:
Loan counselors can be reached at 844.279.2748, Monday-Friday from 8 am-7 pm (EST) and Saturday by appointment only. You can also contact us by email at firstname.lastname@example.org.
On February 19, 2010, President Obama announced the availability of funding under the Housing Finance Agency (HFA) Hardest-Hit Fund. Michigan was one of five states eligible to create programs for funding under this program. MSHDA encourages homeowners interested in participating in one of these programs to use the time between now and the anticipated enrollment period to gather documentation pertaining to income, assets monthly debt, and living expenses. If you need additional information, you can call MSHDA toll free at 866.946.7432 or contact a homeownership counselor in their area. Counselors can be located on MSHDA’s website.
The U.S. Department of Justice has compiled tips to help protect consumers from foreclosure scams. The tips can be found in this article from the Department of Justice.
Learn about the Making Home Affordable plan. To date, it’s helped millions of homeowners refinance or modify their mortgages.
Along with Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA)+ has upgraded the Home Affordable Refinance Program (HARP)* so that more eligible borrowers can benefit from refinancing their home mortgage. The new program enhancements include:
To learn if you’re eligible for an enhanced HARP, contact your residential loan officer.
*HARP credit standards and restrictions apply.
+Federal Housing Finance Agency (FHFA). Freddie Mac and Fannie Mae have adopted changes to the Home Affordable Refinance Program (HARP) and you may be eligible to take advantage of these changes. If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae, you may be eligible to refinance your mortgage under the enhanced and expanded provisions of HARP. You can determine whether your mortgage is owned by either Freddie Mac or Fannie Mae by checking the following websites: http://www.freddiemac.com/mymortgage or http://www.fanniemae.com/loanlookup/. Property insurance and taxes required.