Identify and assess your problems before it is too late. Find out what steps you should take if you cannot pay your mortgage. Learn about the foreclosure process. And consider contacting a HUD-approved counselor who can help you understand the law and your options.
Making Home Affordable
Through the Making Home Affordable Program, up to 9 million American families may be eligible to refinance or modify their loans to a payment that is affordable now and into the future. Learn more and find out if you are eligible on this website from the United States Treasury and Department of Housing and Urban Development.
California's Foreclosure Process and Timelines -- Frequently Asked Questions
Questions and answers from Housing and Economic Rights Advocates (HERA)
Loan Default and Foreclosure
This is a brief guide for California homeowners produced by the Predatory Lending Clinic at the University of San Francisco Law School. Contains information about the foreclosure process, alternatives to foreclosure, foreclosure and bankruptcy, scams, and definitions of key foreclosure terms.
Homeowner's Hope Hotline
If you feel like you may be in danger of facing foreclosure, the time to call 888-995-HOPE is now - Homeowner's HOPE™, a counseling service provided by the Homeownership Preservation Foundation, can work with you to find a solution.
Early Delinquency Intervention
The Housing Education Program (A HUD Approved counseling agency) has dedicated a section of their website to helping consumers identify and assess their problems when facing foreclosure. Includes a worksheet that helps you prepare accurate, up-to-date, and documented information to present to counselors.
Behind on House Payments: Foreclosure Prevention
This handout from California Rural Legal Assistance contains definitions of key mortgage and foreclosure terms, frequently asked questions, a review of your options, and information about foreclosure rescue scams.
Help for Homeowners Facing the Loss of Their Home
A publication from the HUD that outlines the steps one should take when unable to pay the mortgage.
Contact a United States Department of Housing and Urban Development Approved Counseling Agency
The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance.
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