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Housing Law

Tenants Rights / Rental Housing

new Foreclosure Prevention / Predatory Lending

Fair Housing / Discrimination

Homeowners

More - links to other helpful resources

Pine Tree Legal information

Tenants Rights / Rental Housing

It's time to file for your 2007 Tax or Rent Refund from the State of Maine. It's money in your pocket! Maximum refund is $2,000.Get more details here.
Rights of Tenants in Maine (May 2004; partially revised September 2007)
Los derechos del inquilino en el Estado de Maine (octubre 2003) 
Comprehensive review of the Maine landlord/tenant laws, with an emphasis on tenants' rights.

What Can I Do if My Landlord is Trying to Evict Me? (August 2005)
Steps you can take if you're being evicted from your home.

How to Get Your Security Deposit Back (March 2004)
If your landlord won't return your security deposit, read about the steps you can take to get it back.

How to Get Your Property Back from Your Landlord (March 2000)
Find out about the steps you can take to get your things back, if your former landlord is holding on to them.  Includes sample court forms.

Public Housing:  Some Frequently Asked Questions (July 2002)
Learn about your rights if you are trying to get into public housing, if you are living in public housing, or you are being evicted from housing. 

How Much Heat Does My Landlord Have to Provide? (April 2000)

Foreclosure Prevention / Predatory Lending

Subprime subterfuge (MaineToday.com 2/18/07) Read about a Lewiston homeowner who lost out by signing onto bad refinancing deals. Watch out! Don't be a victim.
new
Foreclosure Prevention Toolkit (Updated June 2008)
Home foreclosures are on the rise in Maine. This area of the law is complicated, but we have posted a toolkit to help you better understand what you are up against if you can't make your mortgage payments.

Don't Borrow Trouble! (December 2005)
Watch out for unfair home loan deals. Predatory lending is on the rise in Maine. Learn some basic rules to protect yourself and your home.
N’empruntez pas les soucis! (Décembre 2005)
Si vous ne voulez pas rester bloqué par un mauvais emprunt, faites attention à ce qui suit.
¡No Tome Problemas Prestados! (diciembre de 2005)
¿Está buscando un préstamo con garantía inmobiliaria? ¿O está tratando de tomar dinero prestado para comprar una vivienda? Hay buenos y malos negocios. Si no quiere quedar atado a uno malo, tenga cuidado.

Find out more about our fair housing work:
sound file Apartment Hunting Difficult for Low Income and Minority Mainers Maine Things Considered 1/2/07
Pine Tree Legal finds poor Maine renters face bias Bangor Daily News 1/2/07
sound file Pine Tree Legal Reports Discrimination by Landlords Maine Things Considered 10/19/05

Contact Pine Tree if you think you have suffered illegal housing discrimination.

Fair Housing
It is illegal for a landlord to refuse to rent to you because of your color, race, religion, national origin, sex, disability, having children, or getting public aid. Find out more, and what you can do about it.

General information
Fair Housing for People with Disabilities (March 2003)
Frequently asked questions about fair housing, who is covered, and the basic rules.

Fair Housing: Your Right to Rent or Own a Home (December 2005)
El derecho a la vivienda: el alquiler o la posesión de una casa (Enero del 2003)
Cadaaladda Guryaha: Xaqa Aad u Leedahay Guri Kireysasho ama Guri Iibsasho (Janaayo 2003)
( حقوق الإسكان: حقّك لاستئجار أو لامتلاك بيتك (يناير 2003
Logement Equitable: Votre Droit à la Location ou à l'Achat d'une Maison (mai 2004)
Закон о справедливом жилищном праве: Ваши права при съёме или покупке жилья (May 2004)

Abused Women: Your Fair Housing Rights (March 2005)
Sometimes women who have been abused have trouble getting and keeping housing. Sellers and landlords must be fair to you.
Los derechos de las mujeres maltratadas a la vivienda razonable (mayo 2005)

One page fliers:(.pdf files)
Fair Housing in Maine (12/05)
Vivienda Justa en Maine (01/06)
公平住屋法 (11/04)
Logement Equitable dans le Maine (03/05)
الإسكان العادل في "مين" 04/12
 Bɛ̈ï kε Maine cïnic tiεεl (02/06)
سكونت منصفانه (Fair Housing) در مين 02/06

Homeowners

new Foreclosure Prevention Toolkit (September 2007)
Home foreclosures are on the rise in Maine. This area of the law is complicated, but we have posted a toolkit to help you better understand what you are up against if you can't make your mortgage payments.

Homestead Exemption form  (revised October 2005)
Most Maine homeowners qualify for a partial tax exemption on their main residence.  (If you have applied and qualified before, you don't have to reapply each year.)

It's time to file for your 2007 Tax or Rent Refund from the State of Maine. It's money in your pocket! Maximum refund is $2,000.Get more details here.
I can't pay the taxes on my house. What can I do?  (revised June 2000)
Explains what you can do to ask your town for a "poverty tax abatement" if you can't afford to pay your property tax.

View, download or print a poverty tax abatement form.  If you are applying for a tax abatement because you can't afford to pay your property taxes, ask your town for an application form.  If they don't have one, you can use our standard form.  To view this document, you need Adobe Acrobat Reader.  (If you need help with Adobe Acrobat reader, click here.)

More legal information

The Maine Attorney General's Office posts information on these housing-related topics:

Consumer Rights When You Live in a Mobile Home
Consumer Rights When Constructing or Repairing Your Home
Consumer Rights When You Buy a Home
Consumer Home Heating Rights
Attorney General's Model Landlord Residential Lease
Attorney General's Model Home Construction Contract

HUD offers good advice for homebuyers, on how to protect yourself from predatory lenders: Don't Be A Victim Of Loan Fraud.


More help

The Maine State Housing Authority lists subsidized rental housing by county. This listing includes housing for the elderly and disabled, as well as housing for families. They also list the emergency shelters available throughout the state.

MSHA also offers several programs to Maine residents, to make housing safer and more affordable, including:

Lead Hazard Control Program, offering up to $15,000 to eligible homeowners and apartment owners to take control of lead hazards on their property.
The First Time Homebuyers Program
offers low-interest loans and down-payment assistance to eligible first time buyers.
Low Income Energy Assistance Program (LIHEAP) helps low-income Mainers pay for their winter fuel costs. Apply through your your county Community Action Program. 

Section 8 Made Simple: A Guide To The Housing Choice Voucher Program explains the basics of this major HUD-sponsored housing subsidy program--from how to apply to how it works once you get in. Also includes informaion about the newer Section 8 homeownership program. Posted by the Technical Assistance Collaborative.

The Rural Development branch of the U.S. Department of Agriculture offers several low-interest loan programs to help people buy or repair their own homes.

Shelter Plus Care and Bridging Rental Assistance Program (BRAP) provide rental subsidies to mental health consumers and others with chronic illnesses and disabilities in need of affordable housing.

H.U.D. posts Common Questions from First-time Homebuyers, which includes information about FHA loans with low down-payments. HUD also offers this increasingly popular Homeownership Voucher Program for people who want to convert their rental vouchers toward a home purchase.

HelpMELaw posts several links to help resources if you are having problems with utilities, such as electric shut-off or high bills you can't pay.

You can order from your nearest Pine Tree Legal Assistance office information on these additional topics:

Property Tax and Rent Refund Program Application Form   If you own your own home or pay rent, and have a low income, you may be eligible for a money refund from the State.  Apply each year between August 1st and May 31st. Or get online form from Maine Revenue Services.

Notice of Tenant's Intent to Repair Defect and Deduct the Cost of Repairs
The Maine Warranty of Habitability Law
Common Area Metering


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