Introduction The Maine Homeowner Assistance Fund (“Maine HAF”) is a program meant to help homeowners who have experienced a financial hardship connected to COVID-19 and are at risk of losing their homes. This is a grant based program, homeowners will not have to pay this money back.

Posted and up-to-date as of 10/1/2021 Introduction If you can't make your mortgage payment because of the COVID-19 emergency, there is some good news:

Maine law gives tenants an "implied warranty of habitability." This means that your landlord must promise that your home is safe and fit to live in.

This is a tax credit for people who modify their home to make it more accessible for a household member with a disability.

Hiring a lawyer can be expensive and there are not enough free lawyers to help everyone who needs one. On the other hand, a lawyer can make a big difference in certain situations. Below we identify five such situations.

The Maine Court gives you the chance to go through a mediation process before your home can be foreclosed upon. This is probably your last best chance to save your home - or to find out about your other legal options.

Tax credits for people with low incomes who own their own homes or pay rent.

Maine law provides tenants with minor safety issues a self-help "Repair and Deduct" remedy.  You can find a sample form here.

In Maine, if you cannot pay your tax bill for the property you live on, there is something you can do. Your city or town can decide that you don't have to pay some or all of it. This is called a "poverty tax abatement."

BEWARE! If you have fallen behind on your mortgage or you are going through foreclosure, you may hear from someone offering to save your home or fix your credit. Watch out! This may be a scam!