Clickable Map of Examples by State | Foreclosure-Response.org

Find Policies and Examples in Your Area

Click on a state to jump to a list of examples from that state featured in Foreclosure-Response.org.

The examples are divided into two categories:

1. Highlighted examples focus on a policy or program and provide at least some key details.

2. Policy references include brief notes that a state or locality is involved in a policy. These references do not go into much detail.

State examples are in alphabetical order by policy. Local examples are listed alphabetically by city, town, or county.

The Pew Center on the States has also compiled a series of fact sheets describing state responses to the mortgage foreclosure crisis. Each fact sheet includes basic state-level foreclosure statistics, an overall assessment of current activity to date, and a checklist of specific actions to avoid foreclosure, coordinate key players, and pre-empt high-cost lending. Click here to access fact sheets for all 50 states and the District of Columbia.

Alabama

State Policies and Examples	Local Policies and Examples

There are no state examples from Alabama on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Alabama on Foreclosure-Response.org. Submit examples for inclusion.
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Alaska

State Policies and Examples	Local Policies and Examples

There are no state examples from Alaska on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Alaska on Foreclosure-Response.org. Submit examples for inclusion.
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Arizona

State Policies and Examples	Local Policies and Examples

There are no state examples from Arizona on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Arizona on Foreclosure-Response.org. Submit examples for inclusion.
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Arkansas

State Policies and Examples	Local Policies and Examples

There are no state examples from Arkansas on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Arkansas on Foreclosure-Response.org. Submit examples for inclusion.
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California

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
	Clarify property owners and maintenance responsibilities (Chula Vista) Bring properties back into use -- as affordable housing (Oakland)
Policy References:
Require notice to tenants of a pending foreclosure Implement a mediation program
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Colorado

State Policies and Examples	Local Policies and Examples
Policy References:	Policy References:
Establish a foreclosure prevention hotline or one-stop resource Get organized -- state foreclosure prevention task force	Bring properties back into use -- as affordable housing (Denver) Hold properties to restore market equilibrium (Denver)
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Connecticut

State Policies and Examples	Local Policies and Examples
Highlighted Examples:
Offer low-interest refinance loans	There are no local examples from Connecticut on Foreclosure-Response.org. Submit examples for inclusion.
Policy References:
Increase oversight of mortgage brokers and originators Implement a mediation program
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Delaware

State Policies and Examples	Local Policies and Examples
Highlighted Examples:
Grant short-term emergency loans	There are no local examples from Delaware on Foreclosure-Response.org. Submit examples for inclusion.
Policy References:
Establish a foreclosure prevention hotline or one-stop resource
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District of Columbia

Policy References:
Increase oversight of mortgage brokers and originators Protect tenants from foreclosure-related eviction
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Florida

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
There are no state examples from Florida on Foreclosure-Response.org.	Clarify property owners and maintenance responsibilities (Miami)
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Georgia

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Include foreclosures and distressed sales when assessing properties	Create a land bank (Fulton County and City of Atlanta)
	Policy References:
	Engage community assistance monitoring foreclosed properties (Atlanta) Establish a foreclosure prevention hotline or one-stop resource (Atlanta) Get organized for foreclosure response (Atlanta) Work with non-profits to bring properties back into use (DeKalb County)
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Hawaii

State Policies and Examples	Local Policies and Examples

There are no state examples from Hawaii on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Hawaii on Foreclosure-Response.org. Submit examples for inclusion.
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Idaho

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Idaho on Foreclosure-Response.org. Submit examples for inclusion.
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Illinois

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
	Homeownership Preservation Initiative (HOPI) (Chicago)
Policy References:	Policy References:
Ensure that foreclosure-related evictions do not impact tenants' future housing	Establish a foreclosure prevention hotline or one-stop resource (Chicago) Require notice to tenants of a pending foreclosure (Chicago) Work with non-profits to bring properties back into use (Chicago)
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Indiana

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
There are no state examples from Indiana on Foreclosure-Response.org. Submit examples for inclusion.	Create a land bank (Indianapolis)
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Iowa

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Iowa on Foreclosure-Response.org. Submit examples for inclusion.
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Kansas

State Policies and Examples	Local Policies and Examples

There are no state examples from Kansas on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Kansas on Foreclosure-Response.org. Submit examples for inclusion.
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Kentucky

State Policies and Examples	Local Policies and Examples
Policy References:	Policy References:
Increase oversight of mortgage brokers and originators	Manage the post-violation process for vacant properties (Louisville) Nuisance abatement (Louisville)
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Louisiana

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Louisiana on Foreclosure-Response.org. Submit examples for inclusion.
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Maine

State Policies and Examples	Local Policies and Examples

There are no state examples from Maine on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Maine on Foreclosure-Response.org. Submit examples for inclusion.
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Maryland

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Foreclosure moratorium or extension Get organized -- state foreclosure prevention task force	Expand foreclosure prevention counseling by non-profits (Baltimore) Increase the effectiveness of code enforcement (Baltimore) Manage the post-violation process to get results (Baltimore) Use an existing agency for property acquisition and disposition (Baltimore) Vacants to Value case study (Baltimore) Get organized -- regional NSP application case study (Bowie, Gaithersburg, and Prince George's County)


Policy References:	Policy References:
Implement a mediation program	Assess progress of response strategy (Baltimore) Create a land bank (Baltimore) Establish a foreclosure prevention hotline or one-stop resource (Baltimore) Get organized for foreclosure response (Baltimore) Bring properties back into use -- as affordable housing (Prince George's County)
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Massachusetts

State Policies and Examples	Local Policies and Examples
Highlighted Examples:
Foreclosure moratorium or extension Offer low-interest refinance loans Relocation assistance Vacant property receivership
Policy References:	Policy References:
Bulk acquisition, challenges of Collaborate with lenders and servicers for loan modifications Get organized -- state foreclosure prevention task force Increase oversight of mortgage brokers and originators Protect tenants from foreclosure-related evictions Require notice to tenants of a pending foreclosure	Vacant property receivership (Springfield)
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Michigan

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
	Demolish properties as needed (Genesee County) Get organized -- Foreclosure Response coalition case study (Kent County) Expand code enforcement (Southfield) Manage the post-violation process for vacant properties (Southfield) Preserve vacant properties' curb appeal (Westland)
Policy References:	Policy References:
Bring properties back into use -- via tax foreclosures	Engage community assistance monitoring foreclosed properties (Southfield)
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Minnesota

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Work with non-profits to bring properties back into use	Expand foreclosure prevention counseling by non-profits (Minneapolis) Work with non-profits to bring properties back into use (Minneapolis)
Policy References:	Policy References:
Ensure that foreclosure-related evictions do not impact tenants' future housing Require notice to tenants of a pending foreclosure	Artistic boarding (Minneapolis)
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Mississippi

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Mississippi on Foreclosure-Response.org. Submit examples for inclusion.
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Missouri

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
There are no state examples from Missouri on Foreclosure-Response.org. Submit examples for inclusion.	Use a special housing court (St. Louis)
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Montana

State Policies and Examples	Local Policies and Examples
Policy References:
Establish a foreclosure prevention hotline or one-stop resource	There are no local examples from Montana on Foreclosure-Response.org. Submit examples for inclusion.
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Nebraska

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Nebraska on Foreclosure-Response.org. Submit examples for inclusion.
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Nevada

State Policies and Examples	Local Policies and Examples

There are no state examples from Nevada on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Nevada on Foreclosure-Response.org. Submit examples for inclusion.
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New Hampshire

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators Protect tenants from foreclosure-related evictions	There are no local examples from New Hampshire on Foreclosure-Response.org. Submit examples for inclusion.
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New Jersey

State Policies and Examples	Local Policies and Examples
Highlighted Examples:
Bring properties back into use -- with rent-back programs Bring properties back into use -- with vacant property receivership Grant short-term emergency loans Nuisance abatement Offer refinance loans with flexible underwriting	There are no local examples from New Jersey on Foreclosure-Response.org. Submit examples for inclusion.
Policy References:
Legal services Protect tenants from foreclosure-related evictions
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New Mexico

State Policies and Examples	Local Policies and Examples
Highlighted Examples:
Strengthen predatory lending laws	There are no local examples from New Mexico on Foreclosure-Response.org. Submit examples for inclusion.
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New York

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Foreclosure moratorium or extension	Use a special housing court (Buffalo)
Policy References:	Policy References:
Increase oversight of mortgage brokers and originators Protect tenants from foreclosure-related evictions	Create a land bank (Buffalo) Expand foreclosure prevention counseling by non-profits (Schenectady)
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North Carolina

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Grant short-term emergency loans Offer refinance loans with flexible underwriting	Bring properties back into use -- as affordable housing (Charlotte)
Policy References:
Increase oversight of mortgage brokers and originators Legal services Strengthen predatory lending laws
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North Dakota

State Policies and Examples	Local Policies and Examples

There are no state examples from North Dakota on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from North Dakota on Foreclosure-Response.org. Submit examples for inclusion.
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Ohio

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Collaborate with lenders and servicers for loan modifications Get organized -- state foreclosure prevention task force Legal services	Clarify property owners and maintenance responsibilities (Cincinnati) Develop a local action strategy (Cleveland) Create a land bank (Columbus) Establish a foreclosure prevention hotline or one-stop resource (Cuyahoga County)
Policy References:	Policy References:
Establish a foreclosure prevention hotline or one-stop resource Nuisance abatement	Facilitate identification of vacant property owners (Cincinnati) Artistic boarding (Cleveland) Assess progress of response strategy (Cleveland) Demolish properties as needed (Cleveland) Expand foreclosure prevention counseling by non-profits (Cleveland) Manage the post-violation process for vacant properties (Columbus) Use an existing agency for property acquisition and disposition (Cuyahoga County) Get organized for foreclosure response (Franklin County) Engage community assistance monitoring foreclosed properties (North Olmstead)
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Oklahoma

State Policies and Examples	Local Policies and Examples

There are no state examples from Oklahoma on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Oklahoma on Foreclosure-Response.org. Submit examples for inclusion.
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Oregon

State Policies and Examples	Local Policies and Examples
	Policy References:
There are no state examples from Oregon on Foreclosure-Response.org. Submit examples for inclusion.	Use an existing agency for property acquisition and disposition (Portland)
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Pennsylvania

State Policies and Examples	Local Policies and Examples
Highlighted Examples:	Highlighted Examples:
Grant short-term emergency loans	Develop local action strategies (Allentown) Implement a mediation program (Philadelphia)
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Rhode Island

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Rhode Island on Foreclosure-Response.org. Submit examples for inclusion.
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South Carolina

State Policies and Examples	Local Policies and Examples

There are no state examples from South Carolina on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from South Carolina on Foreclosure-Response.org. Submit examples for inclusion.
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South Dakota

State Policies and Examples	Local Policies and Examples

There are no state examples from South Dakota on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from South Dakota on Foreclosure-Response.org. Submit examples for inclusion.
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Tennessee

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
There are no state examples from Tennessee on Foreclosure-Response.org. Submit examples for inclusion.	Get organized for foreclosure response (Memphis) Help owner and renter families recover (Memphis) Increase the costs of owning properties with code violations (Memphis)
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Texas

State Policies and Examples	Local Policies and Examples
	Policy References:
There are no state examples from Texas on Foreclosure-Response.org. Submit examples for inclusion.	Establish a foreclosure prevention hotline or one-stop resource (Dallas)
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Utah

State Policies and Examples	Local Policies and Examples
	Policy References:
There are no state examples from Utah on Foreclosure-Response.org. Submit examples for inclusion.	Expand foreclosure prevention counseling by non-profits (West Jordan)
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Vermont

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Vermont on Foreclosure-Response.org. Submit examples for inclusion.
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Virginia

State Policies and Examples	Local Policies and Examples
	Highlighted Examples:
There are no state examples from Virginia on Foreclosure-Response.org. Submit examples for inclusion.	Get organized -- regional NSP application case study (Alexandria, Fairfax County, and Prince William County)
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Washington

State Policies and Examples	Local Policies and Examples
Policy References:
Increase oversight of mortgage brokers and originators	There are no local examples from Washington on Foreclosure-Response.org. Submit examples for inclusion.
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West Virginia

State Policies and Examples	Local Policies and Examples

There are no state examples from West Virginia on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from West Virginia on Foreclosure-Response.org. Submit examples for inclusion.
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Wisconsin

State Policies and Examples	Local Policies and Examples

There are no state examples from Wisconsin on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Wisconsin on Foreclosure-Response.org. Submit examples for inclusion.
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Wyoming

State Policies and Examples	Local Policies and Examples

There are no state examples from Wyoming on Foreclosure-Response.org. Submit examples for inclusion.	There are no local examples from Wyoming on Foreclosure-Response.org. Submit examples for inclusion.
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