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Initiation of Foreclosure Mediation Cases

Per the City of Lynn, Massachusetts’ Ordinance to initiate participation in the Foreclosure Mediation Program, lenders must adhere to the following instructions:

The Mortgagee shall send a copy of all notices given to a Mortgagor pursuant to M.G.L. c. 244 § 35A(g), (h) which relate to Residential Property in the City, to the City of Lynn c/o The City Solicitor, Lynn City Hall, 3 City Hall Square, Lynn, MA 01901, within ten (10) days of giving such notices to a Mortgagor. The receipt by the City of said notice, or of a request for mediation from the Mortgagor made within fifteen (15) days of receipt of a Mortgagor’s notice pursuant to M.G.L. c. 244 § 35A(g), (h), shall constitute the beginning of the Mediation process as set forth in this Ordinance.

Administration of the program pursuant to recidivism:

The homeowner will be allowed to re-mediate once after any 1-year period, when lender indicates homeowner has again fallen behind in their mortgage payments and homeowner has evidence that their financial situation has changed in such a way as to have affected their ability to continue their mortgage payments as previously agreed.

In order to re-initiate a case, the lender must submit their standard 30 day notice/letter directly to MDRS along with a copy of the original 150 day notice, as well as their administrative fee [please reference tiered pricing section of Foreclosure Mediation Fee Schedule, if the property in question has previously been part of the program/re-occurrences only] and authorization form.

For more information, please refer to the Foreclosure Mediation Fee Schedule.