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The Governor launched the CRF in 2017 to purchase the first 378 distressed mortgages through the fund and modify them to help homeowners regain stable financial footing. To keep original owners in their homes, the CRF program works in ways that public and private servicers cannot. The program engages a network of locally based nonprofit housing organizations that provide one on one counselling with the owner and direct outreach to the lender to help modify the loan and provide support for necessary repairs to address deferred maintenance..

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