Hi Shauna,
Welcome to the forum and thank you for joining..................
1) In answer to your questions here is the Ohio Foreclosure Law timeline.......
Ohio Foreclosure Law
2) For Homesaver Advance if they are sending you the paperwork then you must have qualified. Here is the information on it and there is a contact number for FannieMae who initiated the program.........and here is another number for that program in case it is different from the one you have been calling. These are the numbers that you can use to check on the status of the HomeSaver and see when the paperwork was sent.
HomeSaver
1-877-643-2788
FannieMae
(1-888-326-6438), option #2.
https://www.efanniemae.com/sf/servic...veradvance.pdf
3) Since HomeSaver is a loan on the default amount to catch up the payments, if your figures are already done, all that making the payment will do is to put it in a suspense account, so with the paperwork being sent you might just want to hold it for the moment and use it for your first payment on the program.
4) The HomeSaver is part of the modification process for loans that are backed by FannieMae and in default, so they have been working on it and 6 weeks is a quick turn around time.
Please keep us posted on your progress.........