Sources of Foreclosure Prevention Assistance

A good place to begin investigating your options is at the website for the U.S. Department of Housing and Urban Development (HUD). It includes advice on avoiding foreclosure and warnings about foreclosure-related scams, and links to resources in each state. Below is a list of resources with links to agencies that can provide counseling and additional helpful information if you are facing default or foreclosure on your mortgage loan.

HUD-Approved Counseling Agencies

HUD-approved counseling agencies can help you work with your lender to save your homeownership. Agencies include the national NeighborWorks America program, locally represented by the NeighborWorks HomeOwnership Center Sacramento Region, and the Home Loan Counseling Center of Sacramento (SHLCC). Since 1987, the dedicated members and partners of NeighborWorks HomeOwnership Center Sacramento Region (NWHOCSR) have worked with local residents to improve neighborhoods and positively affect the lives of people in our region. NeighborWorks conducts Foreclosure Prevention Workshops presenting clear information to provide a full understanding of the timing, circumstances, and possible actions that can lead to a potential solution. You may also be able to get foreclosure related legal assistance at no cost.

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Home Loan Counseling Center of Sacramento

This Home Loan Counseling Center is a private nonprofit housing education and counseling organization which teaches about the steps to and benefits of homeownership. SHLCC also offers a foreclosure prevention program. You will be able to meet with a certified Foreclosure Prevention Counselor who can explain options available to you, help develop a household spending plan, and negotiate with your lender on your behalf. Services are free and confidential.

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This private coalition, staffed with HUD-approved counselors, includes lenders that could come to your aid even if you are already delinquent. Also, HopeNow offers assistance for both subprime and prime borrowers down on their luck. The group includes financial counselors, loan servicers and others from the mortgage industry. The group generally helps you work with your lender for a modification or repayment plan for late payers. A repayment plan allows you to become current and catch up on missed payments.

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National Community Reinvestment Coalition - National Homeownership Sustainability Fund

The National Homeownership Sustainability Fund (NHSF) assists families that hold high-risk mortgages or have experienced a change in financial circumstances that undermines their ability to repay. It also helps senior citizens who have refinanced their homes with high-cost mortgages, including reverse mortgages.

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National Community Reinvestment Coalition - Consumer Rescue Fund

This agency works with victims of predatory lending to provide mediation, refinancing or renegotiation of mortgages. Refinancing services are currently available in the state of California.

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Neighborhood Assistance Corporation of America

The Neighborhood Assistance Corporation of America (NACA) is a national non-profit advocacy and homeownership organization. NACA's Refinance Program offers new loans to eligible homeowners with unaffordable mortgages. NACA's Home Save program gives counseling and financial assistance to eligible homeowners who are at risk of foreclosure.

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