California Foreclosure Help
MRP’s California Foreclosure Help page offers no access to attorney representation.
California Foreclosure Help - Hardest Hit Fund
California is a “Hardest Hit Fund” State
($1,975,334,096)
Keep Your Home California is broken down into four separate programs. Each program has its own set of eligibility requirements. The Keep Your Home California programs are FREE programs to California homeowners. You should not pay anyone to assist you with submitting an application! The programs and their eligibility requirements are listed below.
► Unemployment Mortgage Assistance
Program Summary and Eligibility Requirements
► Mortgage Reinstatement Assistance
Program Summary and Eligibility Requirements
► Principal Reduction
Program Summary and Eligibility Requirements
► Transition Assistance
Program Summary and Eligibility Requirements
For more detailed program materials and application information, please visit:
http://www.keepyourhomecalifornia.org
California Foreclosure Help - HUD Approved Agencies
HUD Approved Foreclosure Avoidance Counseling Agencies Located in California
Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.
In many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced foreclosure attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. In some instances, negotiating yourself or through a non-attorney third party can even be detrimental to you. Before you do anything else, check out our Resources page and speak with a foreclosure defense attorney in your state.
California Foreclosure Help - HUD Approved Foreclosure Avoidance Counseling Agencies in California
This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.
| HUD Agency Name | Phone Toll-Free Fax Number Website Agency ID | Address | Languages |
| BALANCE | P: 800-777-7526 T: 800-777-7526 F: E: [email protected] W: www.balancepro.org A: 90199 | 1655 Grant Street Suite 1300 CONCORD, California 94520-2600 | - English - Other - Russian - Spanish |
| BALANCE - CONCORD | P: 800-777-7526 T: F: 415-777-4030 E: [email protected] W: https://www.balancepro.org/ A: 90242 | 1655 Grant St Suite 1300 Concord, California 94520-2600 | - Cantonese - English - Other - Russian - Spanish |
| USA HOMEOWNERSHIP FOUNDATION DBA VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONAL | P: 951-268-1518 T: 888-515-2296 F: E: [email protected] W: https://www.varep.net A: 90312 | 495 E Rincon St Ste 110 Corona, California 92879-1301 | - English - Korean - Spanish - Vietnamese |
| NATIONAL ASIAN AMERICAN COALITION (FORMERLY KNOWN AS MABUHAY ALLIANCE) | P: 650-952-0522 T: F: 650-952-0530 E: [email protected] W: www.naac.org A: 84475 | 318 Westlake Shopping Center Suite 270 DALY CITY, California 94015-1436 | - English - Other - Spanish |
| CSA SAN DIEGO COUNTY | P: 619-444-5700 T: F: 619-444-5705 E: [email protected] W: https://c4sa.org A: 90458 | 327 Van Houten Ave El Cajon, California 92020-5128 | - Arabic - English - Farsi - Spanish |
| NID-HCA BOHANON | P: 707-430-7357 T: F: E: [email protected] W: www.nidhousing.com/ A: 90327 | 1745 Enterprise Dr., Suite 101 FAIRFIELD, California 94533-5801 | - English |
| COMMUNITY HOUSING COUNCIL OF FRESNO | P: 559-221-6919-101 T: F: 559-256-1564 E: [email protected] W: www.chcfresno.org A: 84811 | 2560 W. Shaw Lane, Ste. 101 FRESNO, California 93711-2777 | - English - Spanish |
| GREENPATH FINANCIAL WELLNESS | P: 888-860-4167 T: F: E: [email protected] W: www.greenpath.org A: 90351 | 1561 E Orangethorpe Ave Suite 100 Fullerton, California 92831-5217 | - English - Spanish |
| NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) LOS ANGELES, CA | P: 310-412-2600 T: 617-250-6222 F: 877-329-6222 E: W: https://www.naca.com A: 84363 | 11633 Hawthorne Blvd Ste 100 Hawthorne, California 90250-2369 | - English - Spanish |
| A-1 COMMUNITY HOUSING SERVICES | P: 510-674-9227 T: F: 866-550-2501 E: [email protected] W: https://www.a1chs.org A: 90409 | 22693 Hesperian Blvd #150 HAYWARD, California 94541-7091 | - English - Spanish |
| COACHELLA VALLEY HOUSING COALITION | P: 760-347-3157 T: F: E: W: www.cvhc.org A: 90322 | 45701 Monroe St Ste G Indio, California 92201-3964 | - English - Spanish |
| CREDIT.ORG - LADERA | P: 844-263-9857 T: F: 951-328-7728 E: [email protected] W: www.homeownership.org/ A: 90050 | 555 Corporate Dr Ste 110 Ladera Ranch, California 92694-2177 | - English - Spanish |
| NID-HCA SAN DIEGO | P: 619-303-4567 T: F: E: [email protected] W: www.nidhousing.com A: 90332 | 6904 Federal Blvd LEMON GROVE, California 91945-1409 | - English - Spanish |
| HOME PRESERVATION AND PREVENTION (HPP CARES) | P: 562-281-8861 T: F: 833-238-8801 E: [email protected] W: www.hppcares.org/ A: 84916 | 145 W Broadway 108 LONG BEACH, California 90802-4413 | - English - Spanish |
| LUTHERAN SOCIAL SERVICES OF SOUTHERN CALIFORNIA - LONG BEACH BRANCH CARE CENTER | P: 909-254-4048-1015 T: F: E: [email protected] W: https://www.lsssc.org A: 90390 | 1611 Pine Ave LONG BEACH, California 90813-1821 | - English - Spanish |
| EAST LA COMMUNITY CORPORATION (ELACC) | P: 323-604-1973 T: F: 323-604-1663 E: [email protected] W: www.elacc.org A: 82198 | 2917 E. 1st Street, Suite 101 LOS ANGELES, California 90033-3667 | - English - Spanish |
| FAITH AND COMMUNITY EMPOWERMENT FORMERLY KOREAN CHURCHES FOR COMMUNITY DEVELOPMENT | P: 213-985-1500 T: F: 213-478-0930 E: [email protected] W: https://www.facela.org A: 82265 | 3550 Wilshire Blvd Ste 736 Los Angeles, California 90010-2426 | - English - Korean |
| LOS ANGELES NEIGHBORHOOD HOUSING SERVICES, INC | P: 213-381-2862 T: 888-895-2647 F: 213-381-2103 E: [email protected] W: www.nhslacounty.org/ A: 81109 | 3926 Wilshire Blvd Ste 200 Los Angeles, California 90010-3303 | - English - Korean - Spanish |
| NEW ECONOMICS FOR WOMEN | P: 213-483-2060-316 T: F: 213-413-1132 E: [email protected] W: www.neweconomicsforwomen.org A: 82284 | 303 S Loma Drive First Floor LOS ANGELES, California 90017-1103 | - English - Spanish |
| NID-HCA REEVES | P: 323-299-4067 T: F: E: [email protected] W: www.nidhousing.com/ A: 81627 | 4602 Crenshaw Blvd Ste 2A Los Angeles, California 90043-1210 | - English - Spanish |
| SHALOM CENTER FOR T.R.E.E. OF LIFE | P: 213-380-3700 T: F: 213-380-3701 E: [email protected] W: https://shalomcenter.net A: 83164 | 2975 Wilshire Blvd Ste 415 Los Angeles, California 90010-1112 | - English - Korean |
| WEST ANGELES COMMUNITY DEVELOPMENT CORP. | P: 323-751-3440 T: F: 323-751-7631 E: [email protected] W: https://www.westangelescdc.org A: 81653 | 6028 Crenshaw Blvd Los Angeles, California 90043-3904 | - English - Spanish |
| PROJECT SENTINEL | P: 408-470-3730 T: F: E: [email protected] W: www.housing.org A: 81203 | 554 Valley Way Milpitas, California 95035-4106 | - Cantonese - Chinese Mandarin - English - French - Spanish |
| HABITAT FOR HUMANITY, STANISLAUS COUNTY | P: 209-575-4585-111 T: F: 209-575-0755 E: [email protected] W: www.stanislaushabitat.org A: 82528 | 630 Kearney Avenue MODESTO, California 95350-5714 | - English - Spanish |
| MONTEBELLO HOUSING DEVELOPMENT CORP. | P: 323-722-3955 T: F: 323-722-6209 E: [email protected] W: www.mhdcca.org A: 82283 | 1619 Paramount Blvd MONTEBELLO, California 90640-2133 | - English - Spanish |
| NID-HCA RIVERSIDE/SAN BERNARDINO COUNTIES | P: 951-399-4538 T: F: E: [email protected] W: www.nidhousing.com A: 90449 | 23945 Sunnymead Blvd MORENO VALLEY, California 92553-3025 | - English |
| EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO) | P: 510-581-9380 T: F: 510-763-3736 E: [email protected] W: www.echofairhousing.org A: 81075 | 1305 Franklin St Ste 305 OAKLAND, California 94612-3222 | - Cantonese - Chinese Mandarin - English - Other - Portuguese - Spanish - Vietnamese |
| MONEY MANAGEMENT INTERNATIONAL - OAKLAND | P: 866-232-9080 T: 866-232-9080 F: 866-921-5129 E: [email protected] W: www.moneymanagement.org A: 82654 | 1901 Harrison St Ste 1100 Oakland, California 94612-3648 | - English - Spanish |
| NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) OAKLAND, CA | P: 510-652-6622 T: 617-250-6222 F: 877-329-6222 E: W: https://www.naca.com A: 84369 | 3801-3805 Broadway OAKLAND, California 94611-5635 | - English - Spanish |
| NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC | P: 510-268-9792 T: F: 510-268-8776 E: [email protected] W: https://www.nidhousing.com/ A: 80759 | 7677 OakPort Street, Suite 1030, 10th Fl OAKLAND, California 94621-1929 | - Cantonese - English - Spanish |
| NID-HCA OAKLAND MAIN BRANCH | P: 510-268-9792 T: F: E: [email protected] W: www.nidhousing.com/ A: 81771 | 7677 Oakport Street, Suite 1030 OAKLAND, California 94621-1929 | - English - Spanish |
| OPERATION HOPE, INC - OAKLAND BRANCH | P: 510-535-6700 T: F: E: [email protected] W: www.operationhope.org A: 84856 | 3062 E 9th St Oakland, California 94601-2937 | - English - Spanish |
| INLAND FAIR HOUSING AND MEDIATION BOARD | P: 909-984-2254 T: 800-321-0911 F: 909-460-0274 E: [email protected] W: www.ifhmb.com A: 80034 | 1500 S Haven Ave Suite 100 Ontario, California 91761-2969 | - English - Spanish |
| VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATON | P: 805-273-7800 T: F: 805-604-1359 E: [email protected] W: https://www.vccdc.org A: 84058 | 2231 Sturgis Road, Suite A OXNARD, California 93030-7813 | - English - Spanish |
| NID-HCA ANTELOPE VALLEY | P: 661-724-6383 T: F: E: [email protected] W: www.nidhousing.com A: 90403 | 190 Sierra Court Bldg A-6, Suite # A324 PALMDALE, California 93550-7609 | - English |
| NID-HCA PALMDALE | P: 661-526-4013 T: F: E: [email protected] W: www.nidhousing.com/ A: 90140 | 520 W. Palmdale Blvd, Suite J PALMDALE, California 93551-4230 | - English - Spanish |
| PACIFIC COMMUNITY SERVICES, INC. | P: 925-439-1056 T: 800-914-6874 F: 925-439-0831 E: [email protected] W: pacomserv.org A: 80141 | 329 Railroad Ave Pittsburg, California 94565-2245 | - English - Spanish |
| NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC. | P: 909-988-5979 T: F: E: W: nphs.info A: 81110 | 9551 Pittsburgh Ave Rancho Cucamonga, California 91730-6008 | - English - Other - Spanish |
| COMMUNITY HOUSING DEVELOPMENT CORPORATION OF NORTH RICHMOND | P: 510-412-9290 T: F: E: W: www.communityhdc.org A: 83454 | 1535A Fred Jackson Way # A Richmond, California 94801-1516 | - English - Spanish |
| RICHMOND NEIGHBORHOOD HOUSING SERVICES, INCO | P: 510-237-6459×1605 T: F: 510-237-6482 E: [email protected] W: www.richmondnhs.org A: 80856 | 12972 San Pablo Ave Richmond, California 94805-1307 | - English |
| CREDIT.ORG | P: 866-896-7965 T: 866-896-7965 F: 951-328-7728 E: [email protected] W: https://credit.org/ A: 82722 | 1450 Iowa Ave Ste 200 Riverside, California 92507-0508 | - English - Other - Spanish |
| CREDIT.ORG - RIVERSIDE | P: 800-947-3752 T: F: 951-328-7728 E: [email protected] W: www.homeownership.org/ A: 84701 | 1450 Iowa Ave Ste 200 Riverside, California 92507-0508 | - English - Other - Spanish |
| FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC | P: 951-682-6581 T: 800-655-1812 F: 951-682-0262 E: [email protected] W: www.fairhousing.net A: 83810 | 4164 Brockton Avenue RIVERSIDE, California 92501-3400 | - English - Spanish |
| NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) SACRAMENTO, CA | P: 425-892-6222 T: 617-250-6222 F: 877-329-6222 E: W: https://www.naca.com A: 90431 | 3336 Bradshaw Rd Ste 100 Sacramento, California 95827-2632 | - English - Spanish |
| NEIGHBORWORKS HOMEOWNERSHIP CENTER SACRAMENTO REGION | P: 916-452-5356 T: F: E: [email protected] W: www.nwsac.org A: 80858 | 2411 Alhambra Blvd Sacramento, California 95817-1100 | - English - Spanish |
| NID-HCA SACRAMENTO | P: 916-897-8610 T: F: 916-897-8639 E: [email protected] W: www.nidhousing.com/ A: 90187 | 8211 Bruceville Road, Suite 145 SACRAMENTO, California 95823-2309 | - English |
| THE GREATER SACRAMENTO URBAN LEAGUE | P: 916-286-8600 T: F: 916-720-0687 E: [email protected] W: www.gsul.org A: 90354 | 3725 Marysville Blvd SACRAMENTO, California 95838-3738 | - English - Spanish |
| INLAND EMPIRE RESOURCE CENTER | P: 909-887-8700 T: F: E: W: www.ieresourcecenter.org A: 90453 | 325 W Hospitality Ln Ste 100 San Bernardino, California 92408-3211 | - English - Spanish |
| LUTHERAN SOCIAL SERVICES OF SOUTHERN CALIFORNIA | P: 909-866-2792 T: F: E: [email protected] W: https://www.lsssc.org A: 90389 | 435 W. Orange Show Lane Suite 104 SAN BERNARDINO, California 92408-2031 | - English - Spanish |
| NEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE, INC. | P: 909-884-6891 T: F: E: [email protected] W: www.nhsie.org A: 81173 | 1845 S. Business Center Drive Suite 120 SAN BERNARDINO, California 92408-3467 | - English - Spanish |
| GREENPATH FINANCIAL WELLNESS | P: 888-860-4167 T: F: E: [email protected] W: www.greenpath.org A: 90350 | 925 B St Suite 401Y San Diego, California 92101-4616 | - English - Spanish |
| MONEY MANAGEMENT INTERNATIONAL - SAN DIEGO | P: 866-232-9080 T: 866-232-9080 F: 866-921-5129 E: [email protected] W: www.moneymanagement.org A: 82636 | 3111 Camino Del Rio N Ste 400 San Diego, California 92108-5724 | - English - Spanish |
| NATIONAL ASIAN AMERICAN COALITION - SAN DIEGO BRANCH | P: 858-649-9979 T: F: E: [email protected] W: https://www.naac.org A: 90516 | 9265 Dowdy Dr Suite 202 San Diego, California 92126-6370 | - English - Other - Spanish |
| NAVICORE SOLUTIONS- SAN DIEGO, CA | P: 866-472-4557 T: 866-472-4557 F: 732-863-5052 E: [email protected] W: www.navicoresolutions.org A: 84874 | 3530 Camino Del Rio N Suite 110 San Diego, California 92108-1743 | - English - Spanish |
| UNION OF PAN ASIAN COMMUNITIES | P: 619-232-6454 T: F: E: W: www.upacsd.com A: 81470 | 1031 25th St San Diego, California 92102-2102 | - English - French - Vietnamese |
| URBAN LEAGUE OF SAN DIEGO COUNTY | P: 619-266-6256 T: F: E: W: www.sdul.org A: 81854 | 4305 University Ave Ste 360 San Diego, California 92105-8602 | - English - Spanish |
| ASIAN INCORPORATED | P: 415-928-5910-135 T: F: 415-921-0182 E: [email protected] W: www.asianinc.org A: 82197 | 1167 Mission Street, 4th Floor SAN FRANCISCO, California 94103-1544 | - Cantonese - Chinese Mandarin - English - Spanish - Vietnamese |
| BALANCE - SAN FRANCISCO | P: 800-777-7526 T: F: 415-777-4030 E: [email protected] W: https://www.balancepro.org/ A: 80646 | 595 Market St Fl 9 San Francisco, CA 94105 San Francisco, California 94105-2802 | - Cantonese - English - Other - Russian - Spanish |
| SAN FRANCISCO HOUSING DEVELOPMENT CORPORATION | P: 415-822-1022 T: F: E: W: www.sfhdc.org A: 81472 | 4439 3rd St San Francisco, California 94124-2103 | - English - Other - Spanish |
| FAIR HOUSING ADVOCATES OF NORTHERN CALIFORNIA | P: 415-457-5025 T: 877-285-2935 F: 415-457-6382 E: [email protected] W: www.fairhousingnorcal.org A: 84852 | 1314 Lincoln Ave Ste A San Rafael, California 94901-2105 | - English - Spanish - Vietnamese |
| ORANGE COUNTY FAIR HOUSING COUNCIL, INC | P: 714-569-0823 T: 800-698-3247 F: 714-835-0282 E: [email protected] W: www.fairhousingoc.org A: 80845 | 2021 E 4th St Suite 122 Santa Ana, California 92705-3912 | - English - Spanish - Vietnamese |
| BALANCE - SANTA ROSA | P: 800-777-7526 T: F: 415-788-0739 E: [email protected] W: https://www.balancepro.org/ A: 81721 | 3033 Cleveland Ave Suite #101 Santa Rosa, CA 95403 Santa Rosa, California 95403-2126 | - Cantonese - English - Other - Russian - Spanish |
| CENTRO FAMILIA ESPERANZA | P: 805-813-8751 T: F: E: W: A: 84792 | 1720 E Los Angeles Ave Ste 216 Simi Valley, California 93065-2095 | - English - Spanish |
| OPERATION HOPE INC. - SOUTH GATE BRANCH | P: 424-373-0854 T: F: E: [email protected] W: www.operationhope.org A: 82766 | 8710 Garfield Ave South Gate, California 90280-3719 | - English - Spanish |
| NID-HCA A. JONES | P: 209-264-3552 T: F: E: [email protected] W: www.nidhousing.com/ A: 83711 | 3522 Deer Park Dr STOCKTON, California 95219-2350 | - English - Spanish |
| NID-HCA CENTRAL VALLEY | P: 209-594-0734 T: F: E: [email protected] W: www.nidhousing.com A: 90526 | 4212 N. Pershing Ave Suite A-1 STOCKTON, California 95207-6963 | - English |
| NID-HCA SOUTHWEST RIVERSIDE | P: 951-591-2299 T: F: E: [email protected] W: https://www.nidhousing.com A: 90404 | 41593 Winchester Rd, Suite 200 TEMECULA, California 92590-4857 | - English |
| LUTHERAN SOCIAL SERVICES OF SOUTHERN CALIFORNIA - VENTURA COUNTY CARE CENTER BRANCH | P: 909-254-4048-1015 T: F: E: [email protected] W: https://www.lsssc.org A: 90391 | 80 E. Hillcrest Dr THOUSAND OAKS, California 91360-4218 | - English - Spanish |
| NORTHERN CIRCLE INDIAN HOUSING AUTHORITY,UNITED NATIVE HOUSING DEVELOPMENT CORP. | P: 707-468-1336 T: 800-521-3191 F: 707-468-5615 E: [email protected] W: https://www.nciha.org A: 82587 | 694 Pinoleville Rd Ukiah, California 95482-3165 | - English - Spanish |
| NID-HCA MALLORY | P: 510-268-9792 T: F: E: [email protected] W: https://www.nidhousing.com/ A: 90333 | 1710 Tennesse St. VALLEJO, California 94590-4761 | - English |
| COMMUNITY SERVICES AND EMPLOYMENT TRAINING, INC. (CSET) | P: 559-732-4194 T: F: E: W: www.cset.org A: 82455 | 312 NW 3rd Ave Visalia, California 93291-3626 | - English - Spanish |
| Consumer Credit Counseling Service of Maryland and Delaware, Inc. (CCCSMD) - West Covina | P: 800-642-2227 T: 800-642-2227 F: 410-747-2005 E: [email protected] W: www.cccsmd.org A: 90360 | 1050 Lakes Dr Suite 225 West Covina, California 91790-2924 | - English - Spanish |
California Foreclosure Help - National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in California
| Agency Name | Phone Website | Address | Languages |
| Consumer Credit Counseling Service of Orange County | Phone: 714-547-2227 Web: www.cccsoc.org | 2450 E Lincoln Anaheim, California 92806 | - English |
| Consumer Credit Counseling Service of Orange County | Phone: 714-547-2227 Web: www.cccsoc.org | 695 Madison Way Brea, California 92821 | - English |
| Consumer Credit Counseling Service of Ventura County | Phone: 805-383-7700 Web: www.surepath.org | 80 N Wood Rd Ste 200 Camarillo, California 93101 | - English |
| Garden State Consumer Credit Counseling, Inc. | Phone: 800-772-4557 Web: www.novadebt.org | 1074 East Avenue, Suite A2 Chico, California 95926 | - English |
| MMI - Chula Vista | Phone: 800-308-2227 Web: www.moneymanagement.org | 730 Broadway, Ste. 200Western Bank) Chula Vista, California 91910 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 6055 E. Washington Blvd, Suite 390 Commerce, California 90040 | - English |
| MMI - Concord | Phone: 800-308-2227 Web: www.moneymanagement.org | 1070 Concord Ave., Suite #267 Concord, California 94520 | - English |
| National Asian American Coalition | Phone: 650-952-0522 Web: | 15 Southgate Avenue Suite 200 Daly City, California 94015 | - English |
| Springboard Non Profit Consumer Credit Management, Inc. | Phone: 855-736-7784 Web: www.homeownership.org | 1150 Broadway, Ste 235 El Cajon, California 92021 | - English |
| NID-HCA | Phone: 510-268-9792 Web: www.nidonline.org | 7677 Oakport Street Emeryville, California 94621 | - English |
| Consumer Credit Counseling Service of Orange County | Phone: 714-547-2227 Web: www.cccsoc.org | 18430 Brookhurst St. Suite 202C Fountain Valley, California 92708 | - English |
| MMI - Fremont | Phone: 800-308-2227 Web: www.moneymanagement.org | 3100 Mowry Ave., Ste. 403-A Fremont, California 94538 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 4969 E. McKinley Ave, Suite 107B Fresno, California 93727 | - English |
| Community Housing Council | Phone: 559/221-6919 Web: www.chcfresno.org | 2560 W. Shaw Lane, Suite 101 Fresno, California 93711 | - English |
| Community Housing Council of Fresno | Phone: 5592216919 Web: | 2560 W. Shaw Lane, #101 Fresno, California 93711 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 200 N Maryland Ave. Suite 102 Glendale, California 91206 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 16800 Devonshire St, #301 Granada Hills, California 91344 | - English |
| Neighborhood Assistance Corporation of America (NACA) | Phone: 310-412-2600 Web: www.naca.com | 11633 Hawthorne Blvd. Suite 100 Hawthorne, California 90250 | - English |
| Springboard Non Profit Consumer Credit Management, Inc. | Phone: 855-736-7782 Web: www.homeownership.org | 1555 W Florida Ave Hemet, California 92543 | - English |
| Springboard Non Profit Consumer Credit Management, Inc. | Phone: 800-947-3752 Web: www.homeownership.org | 555 Corporate Drive Ste. 110 Ladera Ranch, California 92694 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 10116 36th Avenue Ct SW Suite 106 Lakewood, California 98499 | - English |
| Tri-Valley Housing Opportunity Center | Phone: 925-373-3130 Web: www.tvhoc.org | 141 N. Livermore Avene Livermore, California 94550 | - English |
| NID-HCA | Phone: 562-496-2100 Web: www.nidonline.org | 4127 Norse Way Long Beach, California 90808 | - English |
| Springboard - Long Beach | Phone: 855-736-7783 Web: homeownership.org | 111 W. Ocean Blvd. Ste. 400 Long Beach, California 90802 | - English |
| Springboard Non Profit Consumer Credit Management, Inc. | Phone: 855-736-7783 Web: www.homeownership.org | 3363 Linden Ave., Ste A Long Beach, California 90807 | - English |
| HPP Cares | Phone: (562) 424-4477 ext 202 Web: | 3939 Long Beach Blvd long beach, California 90807 | - English |
| Korean Churches for Community Development | Phone: 213-985-1500 Web: www.kccd.org | 3550 Wilshire Blvd., STE 736 Los Angeles, California 90010 | - English |
| Centro Familiar Nueva Esperanza | Phone: 805-813-7571 Web: | 1720 E. Los Angeles Ave. #216 Los Angeles, California 93065 | - English |
| East Los Angeles Community Corportation | Phone: (323) 269-4214 Web: www.elacc.org | 530 South Boyle Avenue Los Angeles, California 90033 | - English |
| Korean Churches for Communty Development | Phone: 213-985-1500 Web: | 3550 Wilshire Blvd., STE 922 Los Angeles, California 90010 | - English |
| MMI - Los Angeles | Phone: 800-308-2227 Web: www.moneymanagement.org | Howard Hughes Center, 6080 Center Drive 6th Floor Los Angeles, California 90045 | - English |
| NEW Economics for Women | Phone: (213) 483-2060 Web: www.neweconomicsforwomen.org | 303 South Loma Drive Los Angeles, California 90035 | - English |
| NID-HCA | Phone: 323-299-4067 Web: www.nidonline.org | 4602 Crenshaw Boulevard Los Angeles, California 90043 | - English |
| Neighborhood Housing Services of Los Angeles County | Phone: 213-381-2862 Web: www.lanhs.org | 3926 Wilshire Blvd., Suite 200 Los Angeles, California 90010-3303 | - English |
| Operation Hope | Phone: 213-891-2900 Web: www.operationhope.org | 707 Wilshire Boulevard, Suite 3030 Los Angeles, California 90017 | - English |
| Watts Century Latino Organization | Phone: (323) 564-9140 Web: www.wattscenturylatino.org | 10360 Wilmington Ave Los Angeles, California 90002 | - English |
| West Angeles Community Development Corporation | Phone: 323-751-3440 Web: | 6028 Crenshaw Blvd. Los Angeles, California 90043 | - English |
| Montebello Housing Development Corp | Phone: (323) 722-3955 Web: mtbhousingcorp.com | 1619 Paramount Blvd Montebello, California 90640 | - English |
| Catholic Charities of the East Bay | Phone: 510-768-3100 Web: www.cceb.org | 433 Jefferson Street Oakalnd, California 94607 | - English |
| MMI - Oakland/East Bay | Phone: 800-308-2227 Web: www.moneymanagement.org | 7677 Oakport St., Ste. 1130 Oakland, California 94621 | - English |
| Neighborhood Assistance Corporation of America (NACA) | Phone: 510-652-6622 Web: www.naca.com | 3801 Broadway Oakland, California 94611 | - English |
| MMI - Oceanside | Phone: 800-308-2227 Web: www.moneymanagement.org | 1949 Avenida Del Oro, Ste. 106 Oceanside, California 92056 | - English |
| Neighborhood Partnership Housing Services | Phone: 909-988-5979 Web: nphs.info | 320 W. G Street, Suite 103 Ontario, California 91762 | - English |
| Ventura County Community Development Corporation | Phone: 805-273-7800 Web: www.vccdc.org/ | 2231 Sturgis Road, Suite A, Oxnard, CA 93030 Oxnard, California 93030 | - English |
| Inland Fair Housing | Phone: 909/984-2254 Web: www.ifhmb.com | City Center Building 10681 Foothill Blvd. Suite #101 Rancho Cucamonga, California 91701 | - English |
| Community Housing Development Corporation | Phone: 5104129290 Web: | 1535-A Fred Jackson Way Richmond, California 94801 | - English |
| Fair Housing Council of Riverside County, Inc | Phone: 951-682-6581 Web: wwwfairhousing.net | 3933 Mission Inn Avenue Riverside, California 92501 | - English |
| Neighborhood Partnership Housing Services | Phone: 909-988-5979 Web: nphs.info | 2002 Iowa Ave., Suite 105 Riverside, California 91762 | - English |
| Springboard Non Profit Consumer Credit Management, Inc. | Phone: 800-947-3752 Web: www.homeownership.org | 4351 Latham St Riverside, California 92501 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 1750 Howe Ave. Suite 125 Sacramento, California 95825 | - English |
| NeighborWorks HomeOwnership Center Sacramento Region | Phone: 916-452-5356 Web: www.nwsac.org | 2400 Alhambra Blvd. Sacramento, California 95817 | - English |
| Sacramento Home Loan Counseling Center | Phone: 916/646-2005 Web: www.hlcc.net/ | 4640 Northgate Blvd. Suite 185 Sacramento, California 95834 | - English |
| Sacramento Home Loan Counseling Center | Phone: (916) 646-2005 Web: www.hlcc.net | 2003 Howe Avenue, Suite 100 Sacramento, California 95825 | - English |
| Housing Resource Center of Monterey County | Phone: 831/424-9186 Web: www.hrcmc.org | 134 E Rossi St Salinas, California 93901 | - English |
| Asian Inc | Phone: 415-928-5910 Web: www.asianinc.org | 1167 Mission Street, 4th Floor San Francisco, California 94103 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 242 E. Airport Drive, Suite 210 San Bernardino, California 92408 | - English |
| NID-HCA | Phone: 909-887-8700 Web: www.nidonline.org | 2050 North Mount Vernon Ave San Bernardino, California 92411 | - English |
| Neighborhood Housing Services of the Inland Empire, Inc. | Phone: 909-884-6891 Web: www.nhsie.org | 1390 North “D” Street San Bernardino, California 92405 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 2635 Camino Del Rio South Suite 101 San Diego, California 92108 | - English |
| Community HousingWorks | Phone: 619-282-6647×3519 Web: www.chworks.org | 2815 Camino del Rio South, Suite 350 San Diego, California 92108 | - English |
| Garden State Consumer Credit Counseling, Inc. | Phone: 800-772-4557 Web: www.novadebt.org | 1455 Frazee Road, Suite 550 San Diego, California 92108 | - English |
| Garden State Consumer Credit Counseling, Inc. | Phone: 732-409-6281 Web: www.novadebt.org | 1455 Frazee Rd, Suite 550 San Diego, California 92108 | - English |
| MMI - San Diego/Mission Valley | Phone: 800-308-2227 Web: www.moneymanagement.org | 3517 Camino Del Rio South, Ste.410 San Diego, California 92108 | - English |
| National Asian American Coalition | Phone: 858-537-1500 Web: | 9580 Black Mountain Road Suite A San Diego, California 92126 | - English |
| Neighborhood House Association | Phone: (858) 715 2642 Web: www.neighborhoodhouse.org | 5660 Copley Drive San Diego, California 92111 | - English |
| The Union of Pan Asian Communities | Phone: 619-232-6454 Web: www.upacsd.com | 1031 25th Street San Diego, California 92102 | - English |
| Urban League of San Diego County | Phone: 619-263-3115 Web: www.sdul.net | 720 Gateway Center Drive San Diego, California 92102 | - English |
| Consumer Credit Counseling Service of Ventura County | Phone: 805-383-7700 Web: www.surepath.org | 1210 S Bascom Ave Ste 112 San Jose, California 95128 | - English |
| NID-HCA | Phone: 510-430-0920 Web: www.nidonline.org | 250 MacArthur Blvd San Leandro, California 94577 | - English |
| Consumer Credit Counseling Service of Orange County | Phone: 714-547-2227 Web: www.cccsoc.org | 1920 Old Tustin Ave Santa Ana, California 92705 | - English |
| Legal Aid Society of Orange County | Phone: 714-571-5220 Web: www.legal-aid.com | 2101 North Tustin Avenue Santa Ana, California 92705 | - English |
| CCCS of Greater Atlanta | Phone: 877-877-1995 Web: www.clearpointccs.org | 1024 W Robinhood Drive Suite 2 Stockton, California 95207 | - English |
| NID-HCA | Phone: (209) 952-8806 Web: www.nidonline.org | 6777 Embarcadero Drive Stockton, California 95219 | - English |
| Visionary Home Builders of California, Inc. | Phone: (209) 466-6811 Web: www.visionaryhomebuilders.org | 315 N. San Joaquin St. Stockton, California 95202 | - English |
| Project Sentinel | Phone: 408-648-2950 Web: www.housing.org | 298 S. Sunnyvale Ave. Sunnyvale, California 94086 | - English |
| Cabrillo Economic Development Corp. | Phone: 805-672-2585 Web: www.cabrilloedc.org | 702 County Square Drive Ventura, California 93003 | - English |
| Community Services Employment Training, Inc. | Phone: 559/741-4667 Web: www.cset.org | 312 NW 3rd Avenue; Visalia, California 93291 | - English |
| Consumer Credit Counseling Service of Ventura County | Phone: 805-383-7700 Web: www.surepath.org | 23 E Beach St Suite 211a Watsonville, California 95076 | - English |
| consumer credit counselors of kern county | Phone: 6613249628 Web: www.californiacccs.org | 2001 F Street Bakersfield, California 93301 | - English |
| consumer credit counselors of kern county branch | Phone: 6613249628 Web: www.californiacccs.org | 680 n prospect porterville, California 93257 | - English |
For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in California, please visit the HUD website.
California Foreclosure Help - California Foreclosure Process
Security Instrument(s): Both Mortgage and Trust Deed.
Foreclosure Type(s): Judicial (rare) and Non-judicial.
Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.
Non-judicial Foreclosure:A foreclosure process where a third party Trustee has the power to foreclosure and initiate a sale based on a Trust Deed instrument.
Initial Public Notice: Publication.
Estimated Foreclosure Process Period: 117+ days.
First Notice to Sale Time Period: 21+ days.
Redemption Period?: Yes, 12 months. (Judicial foreclosures only)
Deficiency Balance?: Yes. (Judicial foreclosures only, rare)
* * *This information represents MRP’s current understanding of the foreclosure process In California. For the most detailed and up to date information, you should contact your local county government.* * *
California Foreclosure Help - Homeowner Bill of Rights
The California Homeowner Bill of Rights became law on January 1, 2013 to ensure fair lending and borrowing practices for California homeowners.
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include:
Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed.
Guaranteed single point of contact: Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes – a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Verification of documents: Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to $7,500 per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Corporations, the Department of Real Estate and the Department of Financial Institutions.
Enforceability: Borrowers will have authority to seek redress of “material” violations of the new foreclosure process protections. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. (AB 278, SB 900)
Tenant rights: Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease entered into before transfer of title at the foreclosure sale, the owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply. (AB 2610)
Tools to prosecute mortgage fraud: The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney General’s office to investigate and prosecute complex mortgage fraud crimes. In addition, the Attorney General’s office can use a statewide grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple counties.
(AB 1950, SB 1474)
Tools to curb blight: Local governments and receivers have additional tools to fight blight caused by multiple vacant homes in their neighborhoods, from more time to allow homeowners to remedy code violations to a means to compel the owners of foreclosed property to pay for upkeep. (AB 2314)
The California Homeowner Bill of Rights marked the third step in Attorney General Harris’ response to the state’s foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in May 2011 to investigate and prosecute misconduct at all stages of the mortgage process. In February 2012, Attorney General Harris secured a commitment from the nation’s five largest banks for up to $18 billion for California borrowers.