Foreclosure and mortgage help

Foreclosure prevention & mortgage help for homeowners

• Avoiding Foreclosure
  Information and resources from the Department of Housing and Urban Development (HUD) to help you avoid foreclosure.

• Foreclosure Avoidance Counseling 

  A lookup for HUD-approved foreclosure avoidance counselors. They offer free foreclosure prevention services.

• Consumer Financial Protection Bureau
  Information on what to do if you can't pay your  mortgage or are worried about missing a mortgage payment.

• If you're having trouble paying your mortgage
  Consumer advice from the Federal Trade Commission if you're struggling to make your mortgage payments or have already missed payments (and you're in default).

• California Finance Housing Agency

  Information about mortgage relief grants and other hardship assistance offered through the State of California.

• Foreclosure Prevention Services and Information
  Information and help with fair housing, pre-purchase, and mortgage distress counseling to tenants and homeowners (mainly in Northern California).

• Foreclosure Prevention
  Information and resources  from the Los Angeles County Consumer and Business Affairs if you're having trouble paying your mortgage or facing foreclosure in L.A. County.

Resources for tenants during a foreclosure

• Tenants Together

  A statewide group of local tenant organizations. They have a statewide hotline staffed by volunteers and a local legal resource directory.

• A Guide to Residential Tenant's and Landlord's Rights and Responsibilities

  A Guidebook from the California Department of Real Estate that covers evictions

• Court Self-Help Centers

  Each court has a Self-Help Center that offers free legal information. Find out from your local court what type of services they offer. Many offer information for evictions.

Non-mortgage related financial help for homeowners

• Government home repair assistance programs
  Information on loans from the department of Housing and Urban Development (HUD) for home repairs and improvements.

• Single Family Housing Repair Loans and Grants in California
  Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards. 
• Homeownership, Foreclosure, Mortgages Resources
  Click on "Homeownership, Foreclosure, Mortgages" to get help and information from Housing and Economic Rights Advocates (HERA).

General housing legal resources

• Housing and Economic Rights Advocates (HERA)

  HERA offers workshops to provide legal information to the public, including how to keep your home and avoid foreclosure. They foreclosure prevention services for individuals with low and moderate incomes.

• LawHelpCA

  Offers a lookup tool to help find legal aid offices, lawyer referral services, and other free and low-cost services in your county. 

• County Law Library

  Law librarians offer legal resources for people who don't have a lawyer. Librarians can recommend legal self-help books. Many libraries also offer free self-help programs. You can also ask a law librarian a question in Live Chat.

• Lawyer Referral Service

  Directory of lawyer referral services throughout California

• Center for California Homeowner Association Law (CCHAL)
  CCHAL is a housing and consumer advocate group. The webpage provides some basic information on homeowner association. Access to some information requires subscription (free of charge) and other information requires subscription and contributions.