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Today’s Producers Jennifer Peterson Kendra Morgan WebJunction WebJunction C Community Manager it M P Program Manager M
Today’s Panelists Nicola Viana Joe Manion Homeownership Public Services Division Specialist Specialist, Manager, Washington Washington County, County Library Housing and Redevelopment Authority Brian Huffman Randall Ryder Washington County Law consumerlawyer.mn Lib Librarian i
Melinda Ludwiczak MELSA Project Manager Libraries, Jobs and Small Business Webinar Series 2011 WebJunction and MELSA, the Metropolitan Library Service Agency, Minnesota
Metropolitan Library Service Agency St P St. Paul, Minnesota l Mi t Serves 8 Library Systems Serves 8 Library Systems Anoka County Library Ramsey County Library Carver County Library Carver County Library St. Paul Public Library St. Paul Public Library Dakota County Library Scott County Library Hennepin County Library p y y W ashington County Library g y y
MELSA J MELSA J obs and Small Business obs and Small Business T T Task Force Task Force k F k F Service Philosophy Service Philosophy p y p y C ll b Collaborate with community partners t ith it t Establish a seamless entry system Establish a seamless entry system W here every door is the right door W here every door is the right door
Public Libraries and Public Libraries and the Tough Economy the Tough Economy Lack of employment leads to financial f f difficulties. Role for public libraries – trustworthy consumer information Home Foreclosure Information Law Library W orkshops
Today’s Panelists Nicola Viana Joe Manion Homeownership Public Services Division Specialist Specialist, Manager, Washington Washington County, County Library Housing and Redevelopment Authority Brian Huffman Randall Ryder Washington County Law consumerlawyer.mn Lib Librarian i
Joe Manion Public Services Division Manager, Washington Foreclosure Prevention Foreclosure Prevention C County Library t Lib Legal Resources
Foreclosure rate doubled Foreclosure rate doubled from 2006 to 2010 Washington County rate tripled
60% of households working with a f counselor avoided foreclosure in 2009 Barbara Dacy, Executive Director, Washington County HRA
Foreclosure prevention workshops 44 workshops as of May 2011
Librarians lending a hand Legal information for people in crisis
Library partnered with Law Library to inform people of their legal options Monthly workshops through January 2012 y p g y
• Days • Times Schedule • Locations • Meeting rooms Reserve • Media releases • Homepage Publicize • Events calendar • Branch hosts • Expert presents Present • Attendance • Outcomes Evaluate Process Library provides facilities HRA & Attorneys provide expertise
Attendance January 2010 through March 2011 380 attendees 380 attendees 280 households
Washington County HRA Washington County HRA Foreclosure Prevention Foreclosure Prevention Library Workshops Library Workshops Library Workshops Library Workshops Nicola Viana Homeownership Specialist Specialist, Washington County, Housing and Redevelopment Authority
What is a Housing and What is a Housing and R d R d Redevelopment Authority? Redevelopment Authority? l l A A h h i ? i ? Promote community and economic development Promote community and economic development Promote community and economic development Promote community and economic development Provide and maintain affordable, decent and Provide and maintain affordable, decent and safe housing safe housing Educate and counsel people throughout the Educate and counsel people throughout the homeownership process homeownership process p p p p
Minnesota Home Ownership Center Minnesota Home Ownership Center www.hocmn.org www.hocmn.org Provides funding, training, and guidance to: Provides funding, training, and guidance to: Provides funding, training, and guidance to: Provides funding, training, and guidance to: Over 50 agencies throughout Minnesota Over 50 agencies throughout Minnesota Over 50 agencies throughout Minnesota Over 50 agencies throughout Minnesota Deliver homeownership education and Deliver homeownership education and foreclosure counseling foreclosure counseling foreclosure counseling foreclosure counseling
Foreclosure Prevention Services Foreclosure Prevention Services Free and confidential Free and confidential Information about the f foreclosure process l Financial and mortgage counseling counseling Identify options and help weigh pros and cons Review programs available Communicate with lender Avoid predatory practices A id d t ti Smooth transition counseling, as needed as needed
How the Workshops Began How the Workshops Began How the Workshops Began How the Workshops Began Hennepin County Libraries, Minnesota Hennepin County Libraries, Minnesota Home Ownership Center came to us with idea Home Ownership Center came to us with idea Home Ownership Center came to us with idea Home Ownership Center came to us with idea Nov 2009: Met with Washington County Library Nov 2009: Met with Washington County Library Seemed a natural fit Seemed a natural fit Seemed a natural fit Seemed a natural fit Researched models across the country with the Researched models across the country with the help of NeighborWorks help of NeighborWorks help of NeighborWorks help of NeighborWorks
Format Format Format Format 60 minute presentation 60 minute presentation Weekly at libraries in Weekly at libraries in Washington County Washington County Topics: Topics: Foreclosure process Foreclosure process Foreclosure process Foreclosure process Options for keeping and Options for keeping and leaving the home leaving the home Tips for talking to lender Ti Tips for talking to lender Ti f f t lki t lki t t l l d d Predatory practices Predatory practices How counseling works How counseling works o o cou se cou se g g o o s s
Homeowner Steps Homeowner Steps Homeowner Steps Homeowner Steps 1. 1. Register for workshop. Register for workshop. (with HRA or walk (with HRA or walk in) (with HRA, or walk (with HRA, or walk-in) in) in) 2. Complete application 2. Complete application 2 2 Complete application Complete application and gather documents. and gather documents. 3. Attend workshop. 3. Attend workshop. 4. Schedule appointment 4. Schedule appointment with a counselor at the with a counselor at the workshop. workshop. k h k h
Benefits to the Model Benefits to the Model Benefits to the Model Benefits to the Model Increased efficacy of counseling sessions Increased efficacy of counseling sessions Increased efficacy of counseling sessions Increased efficacy of counseling sessions More efficient use of time More efficient use of time Better understanding of foreclosure process Better understanding of foreclosure process Better understanding of foreclosure process Better understanding of foreclosure process Gives counselors time to prep Gives counselors time to prep Increased long I I Increased long- d l d l -term financial literacy t t term financial literacy fi fi i l lit i l lit Greater number of homeowners served Greater number of homeowners served Decreased sense of isolation Decreased sense of isolation
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