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.

Keep Your Home California

► 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 Seal

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.

HUD Approved Foreclosure Avoidance Counseling in California

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
Email
Website
Agency ID
AddressLanguages
BALANCEP: 800-777-7526
T: 800-777-7526
F:
E: infohousingeducation@balancepro.org
W: www.balancepro.org
A: 90199
1655 Grant Street
Suite 1300
CONCORD, California 94520-2600
– English
– Other
– Russian
– Spanish
BALANCE – CONCORDP: 800-777-7526
T:
F: 415-777-4030
E: infohousingeducation@balancepro.org
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 PROFESSIONALP: 951-268-1518
T: 888-515-2296
F:
E: info@varep.net
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: npenaflor@naac.org
W: www.naac.org
A: 84475
318 Westlake Shopping Center
Suite 270
DALY CITY, California 94015-1436
– English
– Other
– Spanish
CSA SAN DIEGO COUNTYP: 619-444-5700
T:
F: 619-444-5705
E: info@c4sa.org
W: https://c4sa.org
A: 90458
327 Van Houten Ave
El Cajon, California 92020-5128
– Arabic
– English
– Farsi
– Spanish
NID-HCA BOHANONP: 707-430-7357
T:
F:
E: bohanonL@nidhousing.com
W: www.nidhousing.com/
A: 90327
1745 Enterprise Dr., Suite 101
FAIRFIELD, California 94533-5801
– English
COMMUNITY HOUSING COUNCIL OF FRESNOP: 559-221-6919-101
T:
F: 559-256-1564
E: info@chcfresno.org
W: www.chcfresno.org
A: 84811
2560 W. Shaw Lane, Ste. 101
FRESNO, California 93711-2777
– English
– Spanish
GREENPATH FINANCIAL WELLNESSP: 888-860-4167
T:
F:
E: housingdepartment@greenpath.com
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, CAP: 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 SERVICESP: 510-674-9227
T:
F: 866-550-2501
E: information@a1chs.org
W: https://www.a1chs.org
A: 90409
22693 Hesperian Blvd #150
HAYWARD, California 94541-7091
– English
– Spanish
COACHELLA VALLEY HOUSING COALITIONP: 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 – LADERAP: 844-263-9857
T:
F: 951-328-7728
E: info@homeownership.org
W: www.homeownership.org/
A: 90050
555 Corporate Dr Ste 110
Ladera Ranch, California 92694-2177
– English
– Spanish
NID-HCA SAN DIEGOP: 619-303-4567
T:
F:
E: luckettd@nidhousing.com
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: info@hppcares.org
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 CENTERP: 909-254-4048-1015
T:
F:
E: housing@lsssc.org
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: communitywealth@elacc.org
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 DEVELOPMENTP: 213-985-1500
T:
F: 213-478-0930
E: hyepin.im@facela.org
W: https://www.facela.org
A: 82265
3550 Wilshire Blvd Ste 736
Los Angeles, California 90010-2426
– English
– Korean
LOS ANGELES NEIGHBORHOOD HOUSING SERVICES, INCP: 213-381-2862
T: 888-895-2647
F: 213-381-2103
E: Education@nhslacounty.org
W: www.nhslacounty.org/
A: 81109
3926 Wilshire Blvd Ste 200
Los Angeles, California 90010-3303
– English
– Korean
– Spanish
NEW ECONOMICS FOR WOMENP: 213-483-2060-316
T:
F: 213-413-1132
E: homeownership@neworg.us
W: www.neweconomicsforwomen.org
A: 82284
303 S Loma Drive
First Floor
LOS ANGELES, California 90017-1103
– English
– Spanish
NID-HCA REEVESP: 323-299-4067
T:
F:
E: reevese@nidhousing.com
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 LIFEP: 213-380-3700
T:
F: 213-380-3701
E: contact@shalomcenter.net
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: pedetta.higgins@westangelescdc.org
W: https://www.westangelescdc.org
A: 81653
6028 Crenshaw Blvd
Los Angeles, California 90043-3904
– English
– Spanish
PROJECT SENTINELP: 408-470-3730
T:
F:
E: homeownershipinfo@housing.org
W: www.housing.org
A: 81203
554 Valley Way
Milpitas, California 95035-4106
– Cantonese
– Chinese Mandarin
– English
– French
– Spanish
HABITAT FOR HUMANITY, STANISLAUS COUNTYP: 209-575-4585-111
T:
F: 209-575-0755
E: laceves@stanislaushabitat.org
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: avilagut@mhdcca.org
W: www.mhdcca.org
A: 82283
1619 Paramount Blvd
MONTEBELLO, California 90640-2133
– English
– Spanish
NID-HCA RIVERSIDE/SAN BERNARDINO COUNTIESP: 951-399-4538
T:
F:
E: atoney@nidhousing.com
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: cherisse@echofairhousing.org
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 – OAKLANDP: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
W: www.moneymanagement.org
A: 82654
1901 Harrison St Ste 1100
Oakland, California 94612-3648
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) OAKLAND, CAP: 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, INCP: 510-268-9792
T:
F: 510-268-8776
E: latishacarlisle@nidhousing.com
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 BRANCHP: 510-268-9792
T:
F:
E: raycarlislejr@nidhousing.com
W: www.nidhousing.com/
A: 81771
7677 Oakport Street, Suite 1030
OAKLAND, California 94621-1929
– English
– Spanish
OPERATION HOPE, INC – OAKLAND BRANCHP: 510-535-6700
T:
F:
E: mel.rogers@operationhope.org
W: www.operationhope.org
A: 84856
3062 E 9th St
Oakland, California 94601-2937
– English
– Spanish
INLAND FAIR HOUSING AND MEDIATION BOARDP: 909-984-2254
T: 800-321-0911
F: 909-460-0274
E: info@ifhmb.com
W: www.ifhmb.com
A: 80034
1500 S Haven Ave
Suite 100
Ontario, California 91761-2969
– English
– Spanish
VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATONP: 805-273-7800
T:
F: 805-604-1359
E: contactus@vccdc.org
W: https://www.vccdc.org
A: 84058
2231 Sturgis Road, Suite A
OXNARD, California 93030-7813
– English
– Spanish
NID-HCA ANTELOPE VALLEYP: 661-724-6383
T:
F:
E: angelasherrera@nidhousing.com
W: www.nidhousing.com
A: 90403
190 Sierra Court Bldg A-6, Suite # A324
PALMDALE, California 93550-7609
– English
NID-HCA PALMDALEP: 661-526-4013
T:
F:
E: agec@nidhousing.com
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: tomlf@earthlink.net
W: www.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 RICHMONDP: 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, INCOP: 510-237-6459×1605
T:
F: 510-237-6482
E: nikkibeasley@eastbaynhs.org
W: www.richmondnhs.org
A: 80856
12972 San Pablo Ave
Richmond, California 94805-1307
– English
CREDIT.ORGP: 866-896-7965
T: 866-896-7965
F: 951-328-7728
E: info@credit.org
W: https://credit.org/
A: 82722
1450 Iowa Ave Ste 200
Riverside, California 92507-0508
– English
– Other
– Spanish
CREDIT.ORG – RIVERSIDEP: 800-947-3752
T:
F: 951-328-7728
E: info@homeownership.org
W: www.homeownership.org/
A: 84701
1450 Iowa Ave Ste 200
Riverside, California 92507-0508
– English
– Other
– Spanish
FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INCP: 951-682-6581
T: 800-655-1812
F: 951-682-0262
E: fhcrc@fairhousing.net
W: www.fairhousing.net
A: 83810
4164 Brockton Avenue
RIVERSIDE, California 92501-3400
– English
– Spanish
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) SACRAMENTO, CAP: 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 REGIONP: 916-452-5356
T:
F:
E: info@nwsac.org
W: www.nwsac.org
A: 80858
2411 Alhambra Blvd
Sacramento, California 95817-1100
– English
– Spanish
NID-HCA SACRAMENTOP: 916-897-8610
T:
F: 916-897-8639
E: zorithathompson@nidhousing.com
W: www.nidhousing.com/
A: 90187
8211 Bruceville Road, Suite 145
SACRAMENTO, California 95823-2309
– English
THE GREATER SACRAMENTO URBAN LEAGUEP: 916-286-8600
T:
F: 916-720-0687
E: housing@gsul.org
W: www.gsul.org
A: 90354
3725 Marysville Blvd
SACRAMENTO, California 95838-3738
– English
– Spanish
INLAND EMPIRE RESOURCE CENTERP: 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 CALIFORNIAP: 909-866-2792
T:
F:
E: housing@lsssc.org
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: Clarice.Wilson@nhsie.org
W: www.nhsie.org
A: 81173
1845 S. Business Center Drive
Suite 120
SAN BERNARDINO, California 92408-3467
– English
– Spanish
GREENPATH FINANCIAL WELLNESSP: 888-860-4167
T:
F:
E: housingdepartment@greenpath.com
W: www.greenpath.org
A: 90350
925 B St
Suite 401Y
San Diego, California 92101-4616
– English
– Spanish
MONEY MANAGEMENT INTERNATIONAL – SAN DIEGOP: 866-232-9080
T: 866-232-9080
F: 866-921-5129
E: counselinginfo@moneymanagement.org
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 BRANCHP: 858-649-9979
T:
F:
E: bcarreon@naac.org
W: https://www.naac.org
A: 90516
9265 Dowdy Dr
Suite 202
San Diego, California 92126-6370
– English
– Other
– Spanish
NAVICORE SOLUTIONS- SAN DIEGO, CAP: 866-472-4557
T: 866-472-4557
F: 732-863-5052
E: housing@navicoresolutions.org
W: www.navicoresolutions.org
A: 84874
3530 Camino Del Rio N
Suite 110
San Diego, California 92108-1743
– English
– Spanish
UNION OF PAN ASIAN COMMUNITIESP: 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 COUNTYP: 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 INCORPORATEDP: 415-928-5910-135
T:
F: 415-921-0182
E: ncheng@asianinc.org
W: www.asianinc.org
A: 82197
1167 Mission Street, 4th Floor
SAN FRANCISCO, California 94103-1544
– Cantonese
– Chinese Mandarin
– English
– Spanish
– Vietnamese
BALANCE – SAN FRANCISCOP: 800-777-7526
T:
F: 415-777-4030
E: info@housingeducation.org
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 CORPORATIONP: 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 CALIFORNIAP: 415-457-5025
T: 877-285-2935
F: 415-457-6382
E: fhanc@fairhousingnorcal.org
W: www.fairhousingnorcal.org
A: 84852
1314 Lincoln Ave Ste A
San Rafael, California 94901-2105
– English
– Spanish
– Vietnamese
ORANGE COUNTY FAIR HOUSING COUNCIL, INCP: 714-569-0823
T: 800-698-3247
F: 714-835-0282
E: info@fairhousingoc.org
W: www.fairhousingoc.org
A: 80845
2021 E 4th St
Suite 122
Santa Ana, California 92705-3912
– English
– Spanish
– Vietnamese
BALANCE – SANTA ROSAP: 800-777-7526
T:
F: 415-788-0739
E: infohousingeducation@balancepro.org
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 ESPERANZAP: 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 BRANCHP: 424-373-0854
T:
F:
E: humberto.saenz@operationhope.org
W: www.operationhope.org
A: 82766
8710 Garfield Ave
South Gate, California 90280-3719
– English
– Spanish
NID-HCA A. JONESP: 209-264-3552
T:
F:
E: jonesa@nidhousing.com
W: www.nidhousing.com/
A: 83711
3522 Deer Park Dr
STOCKTON, California 95219-2350
– English
– Spanish
NID-HCA CENTRAL VALLEYP: 209-594-0734
T:
F:
E: MImming@nidhousing.com
W: www.nidhousing.com
A: 90526
4212 N. Pershing Ave Suite A-1
STOCKTON, California 95207-6963
– English
NID-HCA SOUTHWEST RIVERSIDEP: 951-591-2299
T:
F:
E: stacycarter@nidhousing.com
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 BRANCHP: 909-254-4048-1015
T:
F:
E: housing@lsssc.org
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: dana@nciha.org
W: https://www.nciha.org
A: 82587
694 Pinoleville Rd
Ukiah, California 95482-3165
– English
– Spanish
NID-HCA MALLORYP: 510-268-9792
T:
F:
E: malloryt@nidhousing.com
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 CovinaP: 800-642-2227
T: 800-642-2227
F: 410-747-2005
E: hraynaud@cccsmd.org
W: www.cccsmd.org
A: 90360
1050 Lakes Dr
Suite 225
West Covina, California 91790-2924
– English
– Spanish
Keep your family in your home!

California Foreclosure Help – National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America, located in California

Agency NamePhone
Website
AddressLanguages
Consumer Credit Counseling Service of Orange CountyPhone: 714-547-2227
Web: www.cccsoc.org
2450 E Lincoln
Anaheim, California 92806
– English
Consumer Credit Counseling Service of Orange CountyPhone: 714-547-2227
Web: www.cccsoc.org
695 Madison Way
Brea, California 92821
– English
Consumer Credit Counseling Service of Ventura CountyPhone: 805-383-7700
Web:
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 VistaPhone: 800-308-2227
Web: www.moneymanagement.org
730 Broadway, Ste. 200Western Bank)
Chula Vista, California 91910
– English
CCCS of Greater AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
6055 E. Washington Blvd, Suite 390
Commerce, California 90040
– English
MMI – ConcordPhone: 800-308-2227
Web: www.moneymanagement.org
1070 Concord Ave., Suite #267
Concord, California 94520
– English
National Asian American CoalitionPhone: 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-HCAPhone: 510-268-9792
Web: www.nidonline.org
7677 Oakport Street
Emeryville, California 94621
– English
Consumer Credit Counseling Service of Orange CountyPhone: 714-547-2227
Web: www.cccsoc.org
18430 Brookhurst St. Suite 202C
Fountain Valley, California 92708
– English
MMI – FremontPhone: 800-308-2227
Web: www.moneymanagement.org
3100 Mowry Ave., Ste. 403-A
Fremont, California 94538
– English
CCCS of Greater AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
4969 E. McKinley Ave, Suite 107B
Fresno, California 93727
– English
Community Housing CouncilPhone: 559/221-6919
Web: www.chcfresno.org
2560 W. Shaw Lane, Suite 101
Fresno, California 93711
– English
Community Housing Council of FresnoPhone: 5592216919
Web:
2560 W. Shaw Lane, #101
Fresno, California 93711
– English
CCCS of Greater AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
200 N Maryland Ave. Suite 102
Glendale, California 91206
– English
CCCS of Greater AtlantaPhone: 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 AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
10116 36th Avenue Ct SW Suite 106
Lakewood, California 98499
– English
Tri-Valley Housing Opportunity CenterPhone: 925-373-3130
Web: www.tvhoc.org
141 N. Livermore Avene
Livermore, California 94550
– English
NID-HCAPhone: 562-496-2100
Web: www.nidonline.org
4127 Norse Way
Long Beach, California 90808
– English
Springboard – Long BeachPhone: 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 CaresPhone: (562) 424-4477 ext 202
Web:
3939 Long Beach Blvd
long beach, California 90807
– English
Korean Churches for Community DevelopmentPhone: 213-985-1500
Web: www.kccd.org
3550 Wilshire Blvd., STE 736
Los Angeles, California 90010
– English
Centro Familiar Nueva EsperanzaPhone: 805-813-7571
Web:
1720 E. Los Angeles Ave. #216
Los Angeles, California 93065
– English
East Los Angeles Community CorportationPhone: (323) 269-4214
Web: www.elacc.org
530 South Boyle Avenue
Los Angeles, California 90033
– English
Korean Churches for Communty DevelopmentPhone: 213-985-1500
Web:
3550 Wilshire Blvd., STE 922
Los Angeles, California 90010
– English
MMI – Los AngelesPhone: 800-308-2227
Web: www.moneymanagement.org
Howard Hughes Center, 6080 Center Drive 6th Floor
Los Angeles, California 90045
– English
NEW Economics for WomenPhone: (213) 483-2060
Web: www.neweconomicsforwomen.org
303 South Loma Drive
Los Angeles, California 90035
– English
NID-HCAPhone: 323-299-4067
Web: www.nidonline.org
4602 Crenshaw Boulevard
Los Angeles, California 90043
– English
Neighborhood Housing Services of Los Angeles CountyPhone: 213-381-2862
Web: www.lanhs.org
3926 Wilshire Blvd., Suite 200
Los Angeles, California 90010-3303
– English
Operation HopePhone: 213-891-2900
Web: www.operationhope.org
707 Wilshire Boulevard, Suite 3030
Los Angeles, California 90017
– English
Watts Century Latino OrganizationPhone: (323) 564-9140
Web: www.wattscenturylatino.org
10360 Wilmington Ave
Los Angeles, California 90002
– English
West Angeles Community Development CorporationPhone: 323-751-3440
Web:
6028 Crenshaw Blvd.
Los Angeles, California 90043
– English
Montebello Housing Development CorpPhone: (323) 722-3955
Web: mtbhousingcorp.com
1619 Paramount Blvd
Montebello, California 90640
– English
Catholic Charities of the East BayPhone: 510-768-3100
Web: www.cceb.org
433 Jefferson Street
Oakalnd, California 94607
– English
MMI – Oakland/East BayPhone: 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 – OceansidePhone: 800-308-2227
Web: www.moneymanagement.org
1949 Avenida Del Oro, Ste. 106
Oceanside, California 92056
– English
Neighborhood Partnership Housing ServicesPhone: 909-988-5979
Web: nphs.info
320 W. G Street, Suite 103
Ontario, California 91762
– English
Ventura County Community Development CorporationPhone: 805-273-7800
Web: www.vccdc.org/
2231 Sturgis Road, Suite A, Oxnard, CA 93030
Oxnard, California 93030
– English
Inland Fair HousingPhone: 909/984-2254
Web: www.ifhmb.com
City Center Building 10681 Foothill Blvd. Suite #101
Rancho Cucamonga, California 91701
– English
Community Housing Development CorporationPhone: 5104129290
Web:
1535-A Fred Jackson Way
Richmond, California 94801
– English
Fair Housing Council of Riverside County, IncPhone: 951-682-6581
Web: wwwfairhousing.net
3933 Mission Inn Avenue
Riverside, California 92501
– English
Neighborhood Partnership Housing ServicesPhone: 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 AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
1750 Howe Ave. Suite 125
Sacramento, California 95825
– English
NeighborWorks HomeOwnership Center Sacramento RegionPhone: 916-452-5356
Web: www.nwsac.org
2400 Alhambra Blvd.
Sacramento, California 95817
– English
Sacramento Home Loan Counseling CenterPhone: 916/646-2005
Web: www.hlcc.net/
4640 Northgate Blvd. Suite 185
Sacramento, California 95834
– English
Sacramento Home Loan Counseling CenterPhone: (916) 646-2005
Web: www.hlcc.net
2003 Howe Avenue, Suite 100
Sacramento, California 95825
– English
Housing Resource Center of Monterey CountyPhone: 831/424-9186
Web: www.hrcmc.org
134 E Rossi St
Salinas, California 93901
– English
Asian IncPhone: 415-928-5910
Web: www.asianinc.org
1167 Mission Street, 4th Floor
San Francisco, California 94103
– English
CCCS of Greater AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
242 E. Airport Drive, Suite 210
San Bernardino, California 92408
– English
NID-HCAPhone: 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 AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
2635 Camino Del Rio South Suite 101
San Diego, California 92108
– English
Community HousingWorksPhone: 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 ValleyPhone: 800-308-2227
Web: www.moneymanagement.org
3517 Camino Del Rio South, Ste.410
San Diego, California 92108
– English
National Asian American CoalitionPhone: 858-537-1500
Web:
9580 Black Mountain Road Suite A
San Diego, California 92126
– English
Neighborhood House AssociationPhone: (858) 715 2642
Web: www.neighborhoodhouse.org
5660 Copley Drive
San Diego, California 92111
– English
The Union of Pan Asian CommunitiesPhone: 619-232-6454
Web: www.upacsd.com
1031 25th Street
San Diego, California 92102
– English
Urban League of San Diego CountyPhone: 619-263-3115
Web: www.sdul.net
720 Gateway Center Drive
San Diego, California 92102
– English
Consumer Credit Counseling Service of Ventura CountyPhone: 805-383-7700
Web:
1210 S Bascom Ave Ste 112
San Jose, California 95128
– English
NID-HCAPhone: 510-430-0920
Web: www.nidonline.org
250 MacArthur Blvd
San Leandro, California 94577
– English
Consumer Credit Counseling Service of Orange CountyPhone: 714-547-2227
Web: www.cccsoc.org
1920 Old Tustin Ave
Santa Ana, California 92705
– English
Legal Aid Society of Orange CountyPhone: 714-571-5220
Web: www.legal-aid.com
2101 North Tustin Avenue
Santa Ana, California 92705
– English
CCCS of Greater AtlantaPhone: 877-877-1995
Web: www.clearpointccs.org
1024 W Robinhood Drive Suite 2
Stockton, California 95207
– English
NID-HCAPhone: (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 SentinelPhone: 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 CountyPhone: 805-383-7700
Web:
23 E Beach St Suite 211a
Watsonville, California 95076
– English
consumer credit counselors of kern countyPhone: 6613249628
Web:
2001 F Street
Bakersfield, California 93301
– English
consumer credit counselors of kern county branchPhone: 6613249628
Web:
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

Foreclosure Notice

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

California 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.