Consumer Home Mortgage Information: Provided by the State of California, lists Housing Counselors for Solano County.
Counseling agencies: The U.S. Department of Housing and Urban Development sponsors housing counseling agencies throughout the country that offer advice at little or no cost.
HOPE NOW: Alliance between counselors, mortgage companies, investors, and other mortgage market participants, in cooperation with the U.S. Departments of Treasury and HUD. Variety of links and toll-free number, 1-888-995-HOPE.
Housing and Economic Rights Advocates (HERA): not-for-profit legal service and advocacy organization specializing in foreclosure prevention.
Your bank: Lenders emphasize that financially stressed homeowners should contact them well before the loan is scheduled to reset higher. Ask whether your loan can be modified, for example, by fixing the rate below the scheduled reset amount. Ask whether you qualify for forbearance – temporary reduction or suspension of payments. Consumers can also ask a community group to contact the lender on their behalf. Phone numbers of major servicers’ loss mitigation departments.
Updated November 2013
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