California Department of Real Estate Consumer Alerts: Keep up to date and know what to watch out for in current real estate scams, mortgage fraud and more.
Keep Your Home California: If you own and occupy your home and have suffered a financial hardship, please choose the option below that best fits your situation;
· Currently Unemployed,
· Can’t catch up on your payments,
· Can’t afford your payments
· You can no longer afford to stay in your home
Upcoming Events: There are many resources available to California homeowners who are struggling to make their mortgage payments and avoid foreclosure. Throughout the state, housing organizations, lenders, counselors, nonprofit agencies, and others are sponsoring events where homeowners can learn about foreclosure prevention options and get immediate help connecting with loan servicer representatives and local housing counselors. These events are also excellent opportunities to improve budgeting and money management skills.
Meet with a Counselor: Counseling is a critical tool for struggling homeowners. A counselor can work with you to assess your eligibility for one or more of the Keep Your Home California programs. The counselor may also help you determine if you qualify for participation in other modification programs and recommend a course of action based on your unique facts and circumstances.
Below is a list of HUD-approved counseling agencies participating in the Keep Your Home California program. This list is divided into three regions of the state to help you choose the region that best fits your location.
- Entire State (serving customers by telephone)
- Northern California
- Southern California
You can also find a wide array of free services and information is available through these organizations:
- "Avoiding Foreclosure" on the HUD web site
- Department of Financial Institutions (DFI) - Financial Literacy
- Department of Real Estate Consumer Alert
- Employment Development Department (EDD)
- Making Home Affordable web site
- Homeownership Education Learning Program (HELP)
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