Are you at risk of foreclosure and losing your home? Please refer to the following websites for steps on how and where to get help while you still have your home. It is very important that you reach out and get help as early as possible in the foreclosure process, usually at the time that you receive a Notice of Default from your lender. The following links can give you further information about what your next steps can be to protect your home from foreclosure.
Keep Your Home California is a free service for homeowners who have suffered a financial hardship, to help them stay in their homes, maintain an affordable mortgage payment and avoid foreclosure. For more information on the programs and services available, go to their website: www.keepyourhomecalifornia.org
The Department of Housing and Urban Development (HUD) has approved housing counseling agencies available to provide you with the information and assistance to avoid foreclosure. Their site will give you the contact information for local providers. HUD Foreclosure Avoidance Counseling
Are you Eligible for Refinancing or Loan Modification? Please use the self-assessment tools provided on the Making Home Affordable (http://www.makinghomeaffordable.gov/) website to see if you are among 7 to 9 million homeowners who may be able to benefit from this program.
HOPE is an alliance between HUD-approved counseling agents, mortgage companies, investors and other mortgage market participants that provides free foreclosure prevention assistance.
The State of California offers home-mortgage information online for prospective homebuyers or homeowners who are having trouble keeping their payments current. For more information, go to www.keepyourhomecalifornia.org or, in Spanish, www.conservatucasacalifornia.org.