San Diego County: 619.283.2200
If you are faced with foreclosure, you can work to save your home-or at least limit the financial damage caused by foreclosure-if you understand your options and take the appropriate steps.
Whether you're in foreclosure now or worried about it in the future, the U.S. Department of Housing and Urban Development has information that can help.
Read more ›The possibility of losing your home because you can’t make the mortgage payments can be terrifying. Perhaps you’re having trouble making ends meet because you or a family member lost a job, or you’re having other financial problems. Or maybe you’re one of the many consumers who took out a mortgage that had a fixed rate for the first two or three years and then had an adjustable rate – and you want to know what your payments will be and whether you will be able to make them.
Read more ›HUD-approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure. As part of President Obama's comprehensive Homeowner Affordability and Stability Plan (HASP), you may be eligible for a special Making Home Affordable loan modification or refinance, to reduce your monthly payments and help you keep your home.
Read more ›People may face foreclosure for many reasons. Extreme changes in life situations — job loss, death, divorce, prologed illness and many others — or because they must immediately relocate. Foreclosure can occur when payments become three to four or more months late, depending on the mortgage terms.
Read more ›People may face foreclosure for many reasons. Extreme changes in life situations — job loss, death, divorce, prologed illness and many others — or because they must immediately relocate. Foreclosure can occur when payments become three to four or more months late, depending on the mortgage terms.
Read more ›Information about the 2007 debt forgiveness that generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief.
Read more ›You wouldn’t hand over the keys to your home to a stranger. In just the same way, homeowners shouldn’t be careless when they choose someone to help them with their mortgage problems. This is particularly true for people who are having trouble making home loan payments or are facing foreclosure. This site offers resources to avoid fraud, especially when in financial trouble.
Read more ›Just visit the Virtual Counselor Network website, and we’ll connect you to a live counselor.
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