This evaluation of six foreclosure mediation programs with very different service delivery models provides ample evidence that program design has a significant impact on the functioning of a program. The programs were assessed on participation rate, the percentage of eligible and participating homeowners who were able to retain their homes, completion rates, the amount of time cases spent in the program, and the experience of participating homeowners at each stage of the process. Each program was evaluated individually and all six were compared on these measures. The study found that participation is greater in programs that are easier to enter and in which the homeowners learn one-on-one how the program can help them, that homeowners benefit from a second opportunity to participate, that housing counseling and legal services improve outcomes and that all programs are providing a just process.
The Executive Summary provides a quick overview of the evaluation.
Access individual circuit evaluations below:
- 6th Judicial Circuit
- 16th Judicial Circuit
- 17th Judicial Circuit
- 19th Judicial Circuit
- 20th Judicial Circuit
- 21st Judicial Circuit
For the full evaluation, download PDF.