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Free Legal Services for People Buying a Home or Refinancing

Posted By Anonymous
| Tue, July 13 2010

Buying your First Home? Refinancing your Mortgage or Considering a Reverse Mortgage?

Before you go to settlementg et connected with a volunteer attorney who will:

  • Review your purchase contract and/or mortgage documents with you.
  • Confirm that your interest rate and settlement costs do not change at the last minute. Let you know your legal rights if you run into obstacles in your purchase or refinance process.

Find out more – Search Facebook - “Maryland Mortgage Fraud Prevention Project”

First Time Homebuyer

Are you someone who has had not owned a principal residence in Maryland during the 3 year period ending on the date of settlement of your new home? OR Are you divorced or separated and only previously owned a principal residence with your former spouse? Will you live in the property as your principal residence? Have you attended (or plan to attend) pre-purchase counseling at a nonprofit housing counseling agency? See list of agencies at: http://www.mmprogram.org/counseling.aspx Will your purchase price be no greater than $425,000?
If you answered yes to all of the above questions, contact Civil Justice to get connected to a volunteer attorney who will:

  • Review your proposed purchase contract (prior to submitting your offer to the seller) and mortgage documents prior to settlement.
  • Review your mortgage documents prior to settlement although your purchase contract has already been signed by you and the seller.
  • Prior to settlement, obtain and review the final HUD Settlement Statement with you.
  • Attend the settlement or be available by telephone at no fee or on a reduced fee basis, as agreed by you and your attorney in writing.
  • After settlement, confirm that the seller’s liens are released and that your deed is recorded.

Refinances and Reverse Mortgages

Is the refinance or reverse mortgage for your principal residence in Maryland? Have you submitted a mortgage application and/or received a Good Faith Estimate or other estimate for closing costs? Will your new loan be no greater than $425,000?

If you answered yes to all of the above questions, contact Civil Justice to get connected to a volunteer attorney who will:

  • Review your proposed mortgage refinancing documents prior to settlement.
  • Prior to settlement, obtain and review the final HUD Settlement Statement with you.
  • Attend the settlement or be available by telephone at no fee or on a reduced fee basis, as agreed by you and your attorney in writing.
  • After settlement, confirm that your prior mortgage(s) and any other debts identified for
  • pay-off on the Settlement Statement are in fact paid off.

 

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Is this legal advice?

This site offers legal information, not legal advice.  We make every effort to ensure the accuracy of the information and to clearly explain your options.  However we do not provide legal advice - the application of the law to your individual circumstances. For legal advice, you should consult an attorney.  The Maryland State Law Library, a court-related agency of the Maryland Judiciary, sponsors this site.  In the absence of file-specific attribution or copyright, the Maryland State Law Library may hold the copyright to parts of this website. You are free to copy the information for your own use or for other non-commercial purposes with the following language “Source: Maryland's People’s Law Library – www.peoples-law.org. © Maryland State Law Library, 2013.”