$$ CASH
CASHFOR
FORKEYS
KEYS $$
IfIfyou
youhave
havereceived
receivedaanotice
noticetotovacate,
vacate,or
or aa
letter
letterfrom
fromthe
thebank
bankor
orproperty
propertymanagement
management
company
companyabout
aboutmoving
movingout
outof
ofthe
theproperty,
property,
you
youcan
canrequest
request“Cash
“Cashfor
forKeys.”
Keys.” This
Thismeans
means
that
thatyou
youset
setan
anagreed-upon
agreed-upondate
datetotomove
moveout
out
and
andnegotiate
negotiatehow
howmuch
muchmoney
moneythe
thebank
bankwill
will
pay
paywhen
whenyou
youmove
moveout.
out. You
Youcannot
cannotget
getthe
the
money
moneybefore
beforeyou
youmove
movebecause
becausethe
thebank
bankhas
has
totomake
makesure
surethat
thatyou
youleave
leavethe
theproperty
propertyinin
good
goodcondition.
condition.
The
The“Cash”
“Cash”amount
amountvaries
variesfor
foreach
eachlender
lenderor
or
bank.
bank. ItItcould
couldbe
be$1,000
$1,000or
orititcould
couldbe
be$3,000.
$3,000.
You
Youneed
needtototalk
talktotothe
thebank
bankor
orproperty
property
management
managementcompany
companyand
andnegotiate
negotiatethe
the
payment.
payment. After
Afteryou
youmove
moveout,
out,the
thebank
bankor
or
property
propertymanagement
managementcompany
companywill
willinspect
inspect
the
theproperty
propertyand
andpay
payyou
youthe
theamount
amountthat
thatyou
you
have
haveagreed
agreedtotowith
withthem.
them.
Usually,
Usually,you
youmust
mustleave
leaveaakey
keytotothe
the
property.
property. The
Thehouse
housemust
mustbe
beleft
leftinin“Broom
“Broom
Swept”
Swept”condition,
condition,which
whichmeans
meansaaclean
cleanhome
home
down
downtotothe
thesweeping.
sweeping. Only
Onlynormal
normalwear
wearand
and
tear
tearwill
willbe
beacceptable
acceptablewith
withno
nosigns
signsof
of
vandalism
vandalismfrom
from the
thehomeowner.
homeowner.
Appliances
Appliancesand
andfixtures
fixturesmust
mustbe
beleft
leftininthe
the
house,
house,unless
unlessthe
thebank
bankhas
hasagreed
agreedthat
thatyou
youcan
can
take
takethem.
them. There
Therecan
canbe
beno
nopets
petsleft
leftbehind
behindor
or
junk
junkininthe
theyard
yardor
orout
outbuildings.
buildings.
KEEP
KEEPYOUR
YOURHOME
HOMENEW
NEWMEXICO
MEXICO
United
UnitedSouth
SouthBroadway
BroadwayCorporation
Corporationpartners
partners
with
withthe
theNew
NewMexico
MexicoAttorney
AttorneyGeneral
Generaland
andwith
with
non-profit
non-profitorganizations
organizationsstatewide
statewidetotohelp
help
homeowners
homeownersatatrisk
riskofoflosing
losingtheir
theirhomes
homestoto
foreclosure.
foreclosure.
Working
Workingtogether,
together,the
thepartners
partnersprovide
providehousing
housing
counseling
counselingand
andlegal
legalservices
servicestotoNew
NewMexico
Mexico
homeowners
homeownerstotohelp
helpthem
themavoid
avoidforeclosure
foreclosureoror
choose
choosealternatives
alternativestotoforeclosure.
foreclosure.
FOR
FOR HELP
HELP
Call
Callthe
theHOTLINE
HOTLINEAT
AT
1-855-664-6630
1-855-664-6630for
forreferral
referraltoto
housing
housingcounseling
counselingand
andlegal
legalservices.
services.
Orvisit
visitthe
thewebsite:
website:
Or
www.keepyourhomenewmexico.org
www.keepyourhomenewmexico.org
Our
Ourpartners:
partners:
Find
Findout
outabout
aboutthe
theCourt
CourtRules
Rulesand
and
NewMexico
Mexicolaws
lawsatatyour
yourlibrary
libraryoror
New
look
lookatatthe
theRules
Rulesand
andlaws
lawson-line
on-lineatat: :
www.nmcompcomm.us
www.nmcompcomm.us
Use
Usethe
thePublic
PublicAccess
AccessLaw
Lawtab.
tab.
WHAT
WHAT HAPPENS
HAPPENS
AFTER
AFTER
FORECLOSURE?
FORECLOSURE?
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People’sLegal
LegalServices
Services◙◙
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CAFé◙◙DNA
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LegalAid
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N.M.Attorney
AttorneyGeneral
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SeniorCitizens’
Citizens’Law
LawOffice
Office◙◙
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Springboard◙◙Tierra
Tierradel
delSol
SolHousing
HousingCorporation
Corporation
The
TheCourt
Courthas
hasruled
ruledthe
thebank
bankwill
will
get
getyour
yourhouse.
house.
What
Whatcan
canyou
youdo?
do?
1500
1500 Walter
Walter SE,
SE, Suite
Suite 202
202
Albuquerque,
Albuquerque, NM
NM 87102
87102
505-764-8867
505-764-8867
USBC
USBCoffers
offersHUD-Certified
HUD-CertifiedHousing
Housing
Counseling,
Counseling,and
andLegal
LegalServices
Servicesthrough
throughits
its
Fair
FairLending
LendingCenter
Center
FORECLOSURE
FORECLOSURE
FORECLOSURE
TheThe
The
District
District
District
Court
Court
Court
hashas
has
made
made
made
a decision
aa decision
decision
thatthat
that
the
the
the
bank
bank
bank
The
District
Court
has
made
a decision
that
the
bank
or lender
or
or or
lender
lender
is entitled
is
is entitled
entitled
to your
to
to to
your
your
house.
house.
house.
TheThe
The
District
District
District
Court
Court
Court
lender
is
entitled
your
house.
The
District
Court
hashas
has
also
also
also
decided
decided
decided
howhow
how
much
much
much
money
money
money
youyou
you
owe
owe
owe
toowe
the
to
to to
the
thethe
has
also
decided
how
much
money
you
bank.
bank.
bank.
What
What
What
do you
do
dodo
you
you
doyou
now?
do
dodo
now?
now?
bank.
What
now?
APPEAL
APPEAL
APPEAL
If you
If
If you
you
disagree
disagree
disagree
withwith
with
the
the
the
judge’s
judge’s
judge’s
decision,
decision,
decision,
youyou
you
can
can
can
If
you
disagree
with
the
judge’s
decision,
you
can
appeal
appeal
appeal
your
your
your
case.
case.
case.
An An
An
appeal
appeal
appeal
is complicated.
is
is complicated.
complicated.
YouYou
You
appeal
your
case.
An
appeal
is
complicated.
You
should
should
should
talktalk
talk
totalk
ato
tolawyer
aa lawyer
lawyer
about
about
about
howhow
how
tohow
appeal.
to
to to
appeal.
appeal.
If you
If
If you
you
should
to
a lawyer
about
appeal.
If
you
can’t
can’t
can’t
hire
hire
hire
a hire
lawyer
aa lawyer
lawyer
for for
for
thefor
the
the
appeal,
appeal,
appeal,
youyou
you
can
can
can
get
get
getget
can’t
a lawyer
the
appeal,
you
can
information
information
information
from
from
from
www.nmcourts.com.
www.nmcourts.com.
www.nmcourts.com.
TheThe
The
Court
Court
Court
of of
of of
information
from
www.nmcourts.com.
The
Court
Appeals
hashas
anhas
appeal
packet.
Appeals
Appeals
has
an
anan
appeal
appeal
packet.
packet.
Appeals
appeal
packet.
An An
appeal
must
be
filed
with
the
Court
of Appeals
An
appeal
appeal
must
must
be
bebe
filed
filed
with
with
the
the
Court
Court
of
ofof
Appeals
Appeals
An
appeal
must
filed
with
the
Court
Appeals
within
30 days
of
the
final
decision
of the
District
within
within
30
3030
days
days
of
of of
the
the
final
final
decision
decision
of
of of
the
the
District
District
within
days
the
final
decision
the
District
Court.
During
the the
appeal,
youyou
have
to
post
apost
bond
Court.
Court.
During
During
the
appeal,
appeal,
you
have
have
to
to to
post
post
aa bond
bond
if
if if
Court.
During
the
appeal,
you
have
a if
bond
youyou
want
to
stay
instay
the
house.
YouYou
have
to
ask
the
you
want
want
to
to to
stay
stay
in
in in
the
the
house.
house.
You
have
have
to
to to
ask
ask
the
thethe
you
want
the
house.
You
have
ask
District
Court
to set
the
amount
of the
bond.
District
District
Court
Court
to
to to
set
setset
the
the
amount
amount
of
of of
the
the
bond.
bond.
District
Court
the
amount
the
bond.
SALE
SALE
SALE
Once
Once
Once
the the
the
District
District
District
Court
Court
Court
hashas
has
made
made
made
its decision,
its
itsits
decision,
decision,
the the
thethe
Once
the
District
Court
has
made
decision,
bank
bank
bank
will
will
will
set
set
asetdate
aa date
date
for
for
thefor
the
the
judicial
judicial
judicial
salesale
sale
ofsale
the
of
of of
the
the
house.
house.
house.
bank
will
set
afor
date
the
judicial
the
house.
TheThe
The
sale
sale
sale
issale
run
is
is run
run
byrun
aby
bySpecial
aa Special
Special
Master
Master
Master
whowho
who
iswho
is
is is
The
is
by
a Special
Master
appointed
appointed
appointed
by the
by
byby
the
the
Court.
Court.
Court.
In almost
In
In In
almost
almost
every
every
every
casecase
case
the
the
thethe
appointed
the
Court.
almost
every
case
bank
bank
bank
is
the
is
is the
the
only
only
only
bidder
bidder
bidder
andand
and
the
the
the
house
house
house
is sold
is
is sold
sold
tosold
the
to
to to
the
thethe
bank
is
the
only
bidder
and
the
house
is
bank
bank
bank
that
that
that
foreclosed.
foreclosed.
foreclosed.
Usually,
Usually,
Usually,
the the
the
bank
bank
bank
pays
pays
pays
about
about
about
bank
that
foreclosed.
Usually,
the
bank
pays
about
2/32/3
2/3
of2/3
the
of
of of
the
the
value
value
value
of the
of
of of
the
the
house,
house,
house,
leaving
leaving
leaving
about
about
about
1/31/3
1/3
still
still
still
the
value
the
house,
leaving
about
1/3
still
owing.
owing.
owing.
ThisThis
This
isThis
called
is
is called
called
the the
the
“deficiency.”
“deficiency.”
“deficiency.”
owing.
is
called
the
“deficiency.”
Once
Once
Once
the the
the
sale
sale
sale
takes
takes
takes
place,
place,
place,
the the
the
Special
Special
Special
Master
Master
Master
Once
the
sale
takes
place,
the
Special
Master
prepares
prepares
prepares
a report
aa report
report
for for
for
thefor
the
the
judge.
judge.
judge.
TheThe
The
judge
judge
judge
must
must
must
prepares
a report
the
judge.
The
judge
must
approve
approve
approve
the the
the
Special
Special
Special
Master’s
Master’s
Master’s
Report.
Report.
Report.
If you
If
If you
you
have
have
have
approve
the
Special
Master’s
Report.
If
you
have
been
been
been
participating
participating
participating
in the
in
in in
the
the
court
court
court
case,
case,
case,
you
you
you
will
will
will
get
get
get
a get
aa a
been
participating
the
court
case,
you
will
copy
copy
copy
of
the
of
of of
the
the
Special
Special
Special
Master’s
Master’s
Master’s
Report
Report
Report
andand
and
you
you
you
will
will
will
bewill
be
bebe
copy
the
Special
Master’s
Report
and
you
ableable
able
toable
file
to
to to
file
file
a response
aa response
response
withwith
with
the
the
the
Court.
Court.
Court.
If you
If
If you
you
disagree
disagree
disagree
file
a response
with
the
Court.
If
you
disagree
withwith
with
the
the
the
Special
Special
Special
Master’s
Master’s
Master’s
Report,
Report,
Report,
andand
and
you
you
you
file
file
file
a file
aa a
with
the
Special
Master’s
Report,
and
you
response,
response,
response,
youyou
you
can
can
can
also
also
also
request
request
request
a hearing
aa hearing
hearing
to explain
to
to to
explain
explain
to to
to to
response,
you
can
also
request
a hearing
explain
the the
the
judge
judge
judge
whywhy
why
you
you
you
disagree.
disagree.
disagree.
Usually
Usually
Usually
your
your
your
dispute
dispute
dispute
the
judge
why
you
disagree.
Usually
your
dispute
would
would
would
be based
be
bebe
based
based
on the
on
onon
the
the
sale
sale
sale
price,
price,
price,
the the
the
charges
charges
charges
or other
or
or or
other
other
would
based
the
sale
price,
the
charges
other
feesfees
fees
included
included
included
in the
in
in in
the
the
Special
Special
Special
Master’s
Master’s
Master’s
Report.
Report.
Report.
fees
included
the
Special
Master’s
Report.
REDEMPTION
REDEMPTION
REDEMPTION
Your
Your
Your
mortgage
mortgage
mortgage
gives
gives
gives
youyou
you
the
the
the
right
right
right
of
redemption.
of
of of
redemption.
redemption.
Your
mortgage
gives
you
the
right
redemption.
New
New
New
Mexico
Mexico
Mexico
lawlaw
law
permits
permits
permits
up to
up
upup
nine
to
to to
nine
nine
months
months
months
butbut
but
most
most
most
New
Mexico
law
permits
nine
months
but
most
mortgages
mortgages
mortgages
specify
specify
specify
oneone
one
month.
month.
month.
ThisThis
This
means
means
means
thatthat
that
you
you
you
mortgages
specify
one
month.
This
means
that
you
have
have
have
one
one
one
month
month
month
after
after
after
the
the
the
Court
Court
Court
signs
signs
signs
an order
an
anan
order
order
have
one
month
after
the
Court
signs
order
approving
approving
approving
the the
the
Special
Special
Special
Master’s
Master’s
Master’s
Report
Report
Report
to buy
to
to to
buy
buy
your
your
your
approving
the
Special
Master’s
Report
buy
your
from
from
from
the
the
the
bank.
bank.
bank.
In order
In
In In
order
order
to redeem,
to
to to
redeem,
redeem,
youyou
you
home
home
back
back
home
back
from
the
bank.
order
redeem,
you
home
back
price
price
price
plus
plus
plus
have
have
have
to
pay
to
to to
pay
pay
the
the
the
bank
bank
bank
the
the
the
amount
amount
amount
of the
of
of of
the
the
sale
sale
sale
price
plus
have
pay
the
bank
the
amount
the
sale
feesfees
fees
and
and
and
charges
charges
charges
approved
approved
approved
by the
by
byby
the
the
judge
judge
judge
in the
in
in in
the
the
Special
Special
Special
fees
and
charges
approved
the
judge
the
Special
Master’s
Master’s
Master’s
Report.
Report.
Report.
New
New
New
Mexico
Mexico
Mexico
lawlaw
law
has
has
has
a has
procedure
aa procedure
procedure
Master’s
Report.
New
Mexico
law
a procedure
in which
in
in in
which
which
youyou
you
file
file
file
a Petition
aa Petition
Petition
forfor
for
Redemption
Redemption
Redemption
withwith
with
the
the
thethe
which
you
file
a Petition
for
Redemption
with
Court.
Court.
Court.
YouYou
You
will
will
will
have
have
have
to
pay
to
to to
pay
pay
the
the
the
full
full
full
amount
amount
amount
paidpaid
paid
at
at
at at
Court.
You
will
have
pay
the
full
amount
paid
the the
the
sale
sale
sale
plus
plus
plus
interest
interest
interest
andand
and
charges.
charges.
charges.
ThisThis
This
payment
payment
payment
the
sale
plus
interest
and
charges.
This
payment
must
must
must
be
posted
be
bebe
posted
posted
withwith
with
the
the
the
Court.
Court.
Court.
Like
Like
Like
any
any
any
other
other
other
papers
papers
papers
must
posted
with
the
Court.
Like
any
other
papers
filed
filed
filed
with
with
with
the
the
the
Court,
Court,
Court,
youyou
you
must
must
must
give
give
give
copies
copies
copies
of your
of
of of
your
your
filed
with
the
Court,
you
must
give
copies
your
paperwork
paperwork
paperwork
to the
to
to to
the
the
attorney
attorney
attorney
for for
for
thefor
the
the
other
other
other
sideside
side
ofside
your
of
of of
your
your
paperwork
the
attorney
the
other
your
case.
case.
case.
case.
BANKRUPTCY
BANKRUPTCY
BANKRUPTCY
If you
If
If you
you
have
have
have
ahave
lotaa lot
of
lot
debt,
of
of of
debt,
debt,
including
including
including
the the
the
money
money
money
owed
owed
owed
If
you
a lot
debt,
including
the
money
owed
on your
on
onon
your
your
house,
house,
house,
youyou
you
can
can
can
file
file
file
forfile
for
for
bankruptcy
bankruptcy
bankruptcy
at any
at
at at
any
any
your
house,
you
can
for
bankruptcy
any
timetime
time
during
during
during
the the
the
foreclosure
foreclosure
foreclosure
process.
process.
process.
ThisThis
This
will
will
will
place
place
place
time
during
the
foreclosure
process.
This
will
place
the the
the
foreclosure
foreclosure
foreclosure
lawsuit
lawsuit
lawsuit
“on“on
“on
hold”
hold”
hold”
until
until
until
the
the
thethe
the
foreclosure
lawsuit
“on
hold”
until
Bankruptcy
Bankruptcy
Bankruptcy
Court
Court
Court
processes
processes
processes
your
your
your
bankruptcy
bankruptcy
bankruptcy
Bankruptcy
Court
processes
your
bankruptcy
application.
application.
application.
application.
Bankruptcy
Bankruptcy
Bankruptcy
willwill
will
give
give
give
you
you
you
time
time
time
to
make
to
to to
make
make
a payment
aa payment
payment
Bankruptcy
will
give
you
time
make
a payment
planplan
plan
with
with
with
the
the
the
bank
bank
bank
and
and
and
make
make
make
the the
the
payments
payments
payments
on your
on
onon
your
your
plan
with
the
bank
and
make
the
payments
your
house.
house.
house.
It may
It
It may
may
also
also
also
give
give
give
you
you
you
time
time
time
to
apply
to
to to
apply
apply
for for
for
a loan
aa loan
loan
house.
It
may
also
give
you
time
apply
for
a loan
modification
modification
modification
on your
on
onon
your
your
mortgage.
mortgage.
mortgage.
YouYou
You
will
will
will
need
need
need
to
to
to to
modification
your
mortgage.
You
will
need
consult
consult
consult
withwith
with
awith
bankruptcy
aa bankruptcy
bankruptcy
attorney.
attorney.
attorney.
YouYou
You
can
can
can
also
also
also
consult
a bankruptcy
attorney.
You
can
also
purchase
purchase
purchase
a “pro
aa “pro
“pro
se”
se”
(self
(self
(self
help)
help)
help)
packet
packet
packet
at the
at
at the
thethe
purchase
ase”
“pro
se”
(self
help)
packet
at
bankruptcy
bankruptcy
bankruptcy
court.
court.
court.
YouYou
You
can
can
can
find
find
find
out
out
out
more
more
more
about
about
about
bankruptcy
court.
You
can
find
out
more
about
bankruptcy
bankruptcy
bankruptcy
at the
at
at the
the
Consumer
Consumer
Consumer
Debt
Debt
Debt
Workshops
Workshops
Workshops
offered
offered
offered
bankruptcy
at
the
Consumer
Debt
Workshops
offered
by the
by
byby
the
the
New
New
New
Mexico
Mexico
Mexico
State
State
State
Bar.
Bar.
Bar.
Check
Check
the the
the
website
website
website
the
New
Mexico
State
Bar.Check
Check
the
website
(www.nmbar.org)
(www.nmbar.org)
(www.nmbar.org)
or call
or
or or
call
call
797-6000;
797-6000;
797-6000;
toll-free
toll-free
toll-free
1-8001-8001-800(www.nmbar.org)
call
797-6000;
toll-free
1-800876-6227,
to to
find
out
when
a workshop
is scheduled
876-6227,
to find
out
when
a workshop
is scheduled
876-6227,
find
out
when
a workshop
is scheduled
you.
nearnear
you.
near
you.
EVICTION
EVICTION
OROR
MOVING
MOVING
OUT
OUT
EVICTION
OR
MOVING
OUT
Once
Once
Once
the the
the
sale
sale
sale
issale
approved
is
is approved
approved
or your
or
or or
your
your
redemption
redemption
redemption
period
period
period
Once
the
is
approved
your
redemption
period
hashas
has
passed,
passed,
passed,
youyou
you
may
may
may
be
notified
be
bebe
notified
notified
thatthat
that
you
you
you
has
passed,
you
may
notified
that
you
must
must
must
move
move
move
outout
out
ofout
your
of
ofof
your
your
house.
house.
house.
Sometimes
Sometimes
Sometimes
youyou
you
will
will
will
must
move
your
house.
Sometimes
you
will
receive
receive
receive
a three-day
aa three-day
three-day
notice
notice
notice
to vacate
to
to to
vacate
vacate
the the
the
property.
property.
property.
If If
If If
receive
a three-day
notice
vacate
the
property.
youyou
you
doyou
not
do
dodo
not
not
move
move
move
outout
out
onout
your
on
onon
your
your
own,
own,
own,
the
the
the
bank
bank
bank
might
might
might
not
move
your
own,
the
bank
might
have
have
have
to
ask
to
to to
ask
ask
the
the
the
Court
Court
Court
for for
for
a Writ
aa Writ
Writ
Assistance.
of
of of
Assistance.
Assistance.
have
ask
the
Court
for
a of
Writ
Assistance.
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Assistance
is included
is is
included
in in in
Sometimes
Sometimes
Sometimes
the the
the
Writ
Writ
Writ
of
of
of of
Assistance
included
Sometimes
the
Writ
thethe
Judgment
Judgment
andand
there
there
is not
is is
not
a not
separate
a separate
hearing.
hearing.
the
Judgment
and
there
a separate
hearing.
If the
If If
the
bank
bank
applies
applies
forfor
a for
separate
a separate
Writ
Writ
of of of
the
bank
applies
a separate
Writ
Assistance,
Assistance,
youyou
will
will
need
need
to file
to to
file
a file
response
a response
with
with
Assistance,
you
will
need
a response
with
thethe
Court
Court
if you
if you
do
notdo
not
want
want
to move
to to
move
outoutout
the
Court
ifdo
you
not
want
move
immediately.
immediately.
Once
Once
thethe
Court
Court
signs
signs
thethe
Writ
Writ
of of of
immediately.
Once
the
Court
signs
the
Writ
Assistance,
Assistance,
thethe
bank
bank
hashas
the
the
legal
legal
right
right
to force
to to
force
Assistance,
the
bank
has
the
legal
right
force
youyou
you
toyou
move
to
to to
move
move
outout
out
ofout
the
of
of of
the
the
house.
house.
house.
TheThe
The
bank
bank
bank
can
can
can
give
give
give
the
the
thethe
move
the
house.
The
bank
can
give
Writ
Writ
Writ
of
Assistance
of
of of
Assistance
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to the
to
to to
the
the
sheriff
sheriff
sheriff
andand
and
the
the
the
sheriff
sheriff
sheriff
cancan
can
Writ
Assistance
the
sheriff
and
the
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change
change
change
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locks
locks
locks
andand
and
take
take
take
other
other
other
steps
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steps
to
ensure
to
to to
ensure
ensure
thatthat
that
change
the
locks
and
take
other
steps
ensure
that
youyou
you
leave
leave
leave
the the
the
house.
house.
house.
you
leave
the
house.
Sometimes
Sometimes
Sometimes
the the
the
bank
bank
bank
doesn’t
doesn’t
doesn’t
do anything
do
dodo
anything
anything
andand
and
you
you
you
Sometimes
the
bank
doesn’t
anything
and
you
cancan
can
continue
continue
continue
to live
to
to to
live
live
inlive
the
in
in in
the
the
house
house
house
indefinitely.
indefinitely.
indefinitely.
can
continue
the
house
indefinitely.
Sometimes,
Sometimes,
Sometimes,
the the
the
bank
bank
bank
lets
lets
lets
the
the
the
homeowner
homeowner
homeowner
staystay
stay
sostay
that
so
soso
that
that
Sometimes,
the
bank
lets
the
homeowner
that
the the
the
house
house
house
is not
is
is not
not
vacant
vacant
vacant
andand
and
subject
subject
subject
to vandalism.
to
to to
vandalism.
vandalism.
the
house
is
not
vacant
and
subject
vandalism.
If your
If
If your
your
loan
loan
loan
was
was
was
insured
insured
insured
by Fannie
by
byby
Fannie
Fannie
MaeMae
Mae
or
Freddie
or
or or
Freddie
Freddie
If
your
loan
was
insured
Fannie
Mae
Freddie
Mac,
Mac,
Mac,
youyou
you
should
should
should
receive
receive
receive
a letter
aa letter
letter
offering
offering
offering
to let
to
to to
you
let
letlet
you
you
Mac,
you
should
receive
a letter
offering
you
apply
apply
apply
to rent
to
to to
rent
rent
the
the
the
property
property
property
as aas
astenant.
aa tenant.
tenant.
ThisThis
This
program
program
program
apply
rent
the
property
as
a tenant.
This
program
gives
gives
gives
youyou
you
the
the
the
opportunity
opportunity
opportunity
to apply
to
to to
apply
apply
to rent
to
to to
rent
rent
your
your
your
home,
home,
home,
gives
you
the
opportunity
apply
rent
your
home,
usually
usually
usually
at market
at
at at
market
market
rent.rent.
rent.
TheThe
The
Freddie
Freddie
Freddie
MacMac
Mac
program
program
program
is is
is is
usually
market
rent.
The
Freddie
Mac
program
called
called
called
REO
REO
REO
Rental
Rental
Rental
(www.freddiemac.com).
(www.freddiemac.com).
(www.freddiemac.com).
TheThe
The
called
REO
Rental
(www.freddiemac.com).
The
Fannie
Fannie
Fannie
MaeMae
Mae
program
program
program
is called
is
is called
called
Deed
Deed
Deed
for for
for
Lease
Lease
Lease
Fannie
Mae
program
is
called
Deed
for
Lease
(www.fanniemae.com
(www.fanniemae.com
(www.fanniemae.com
or 1-800-732-6643).
or
or or
1-800-732-6643).
1-800-732-6643).
(www.fanniemae.com
1-800-732-6643).
BEWARE
BEWARE
OFOF
FORECLOSURE
FORECLOSURE
BEWARE
OF
FORECLOSURE
RESCUE
RESCUE
SCAMS
SCAMS
RESCUE
SCAMS
BeBe
Be
wary
wary
wary
of anyone
of
ofof
anyone
anyone
who:
who:
who:
Be
wary
anyone
who:
 
an an
up-front
up-front
payment
payment
to toto
Wants
 Wants
Wants
an
up-front
payment
help
help
youyou
modify
modify
your
your
loan
loan
help
you
modify
your
loan
 
Is Is
an
out-of-state
out-of-state
lawlaw
firm
firm
Isan
an
out-of-state
law
firm
offering
offering
to obtain
toto
obtain
a loan
a loan
offering
obtain
a loan
modification
modification
forfor
you
you
modification
for
you
 Asks
youyou
to
sign
toto
sign
a deed
a deed
giving
giving
 Asks
Asks
you
sign
a deed
giving
them
them
your
your
home
home
them
your
home
 Claims
that
that
you
you
have
have
to move
toto
move
 Claims
Claims
that
you
have
move
outout
ofout
the
of of
the
home
home
so so
they
they
cancan
the
home
so
they
can
sellsell
it.
it. it.
sell
If you
If you
think
youyou
have
have
been
been
scammed,
scammed,
Ifthink
you
think
you
have
been
scammed,
or have
oror
have
questions,
questions,
callcall
the
the
New
New
have
questions,
call
the
New
Mexico
Mexico
Attorney
Attorney
General’s
General’s
Office
Office
at at at
Mexico
Attorney
General’s
Office
1-505-222-9038.
1-505-222-9038.
1-505-222-9038.
1-505-222-9038.