REGIONAL ROOF PROJECT
The mayors and first selectmen of SCRCOG have joined forces with The Real Options, Overcoming Foreclosure (ROOF) Project which has been serving the City of New Haven since 2008. As of September 2011, ROOF and its network of partners have worked to bring assistance to over 3,000 residents in, or at risk of, foreclosure within the City of New Haven. ROOF services are now offered to residents throughout the South Central Region.
Photo: Regional ROOF Project Launch @ SCRCOG Offices, 9-28-11; Credit: S. Dudley
About the ROOF Project
The ROOF Project was formed by non-profit organizations in New Haven and the city government as an effort to alleviate the foreclosure crisis affecting New Haven residents. Since then, it has become clear that the current foreclosure crisis is not simply an urban problem related to subprime loans. The impacts of foreclosure have spread to all communities within the South Central Region as residents have become affected by job losses and decreased incomes. Since the beginning of 2008, the South Central Region has seen over 12,000 foreclosure cases, affecting approximately 1 in every 12 homes in the Region.
ROOF offers foreclosure clinics on a monthly basis in different sub-regions within the South Central Region and has expanded outreach to all fifteen municipalities. Outreach activities include sending letters about counseling and mediation resources directly to homeowners who are just entering foreclosure, training for town employees on foreclosure resources available to residents, and additional outreach efforts to those who are struggling with their mortgages where assistance may avert foreclosure.
ROOF’s partners offer a wide array of services to help both homeowners and tenants. HUD-certified counselors offer information and assistance to homeowners to help them avoid foreclosure. This is a free service, and ROOF is working with SCRCOG leaders to alert the public that they should never have to pay for help and should be wary of foreclosure scams.