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HUD approved counseling agencies in California.
Find a listing of free non-profit HUD approved foreclosure counseling agencies in California that help homeowners as well as potential buyers. They give free, expert advice on everything having to do with owning a home, including help with delinquent mortgages, fair housing counseling, budgeting and they also assist tenants too. Get help from a HUD counselor in CA that may be near you.
Every one of these agencies can provide a homeowner or current renter with access to a highly trained housing or mortgage counselor. Homeowners will have an opportunity to sit down and meet face to face with these counselors or have a phone call. There is information on refinancing or modifying a home loan, reverse mortgage counseling for seniors, and help understanding the home buying process. Much more is available too.
The HUD counseling process is in depth. The counselor will need to understand the clients personal and financial situation, including debts, expenses, income, and other factors. Based on the assessment, solutions to a delinquent mortgage or foreclosure filing will be provided. All of the California organizations below have been certified by the federal government.
Organizations in CA with a free HUD counselor
A-1 Community Housing Services
Location is 22320 Foothill Blvd, Hayward, CA, 94541-2701. Telephone number is (510) 674-9227
The non-profit helps homeowners and potential borrowers. Learn about FHA loans, where to get government help with down payment, and also credit counseling and repair services.
Affordable Housing Clearinghouse
Address: 23201 Lake Center Dr, Lake Forest, California, 92630-6821. Phone: (949) 859-9255
Asian Incorporated
Address: 1167 Mission Street, San Francisco, CA, 94103-1544. For details, dial (415) 928-5910
BALANCE
There are multiple locations of the non-profit .Both free in person and remote consultations are offered. The HUD counselors offer support to homeowners, veterans, renters and others with their housing needs. There are resources for individuals facing foreclosure or tenants homelessness. Get free or low-cost mortgage modifications, refinancing, and other help. Phone: (800) 777-7526
- Address: 1655 Grant Street, Concord, CA, 94520-2600.
- Another site is at 3543 18th St, San Francisco, California, 94110-1683.
- Or try 3033 Cleveland Ave, Santa Rosa, California, 95403-2126.
California Legal Aid
The statewide service put low-income or elderly homeowners in contact with a free, pro-bono lawyer. Both phone and local offices are in the state. The attorneys also work with local HUD counselors to coordinate mortgage assistance programs as needed. Find a free lawyer near you in CA,
Carolyn E. Wylie Center for Children, Youth and Families
Address: 4164 Brockton Ave, Riverside, California, 92501-3400. Main Phone: (951) 683-5193
A major focus is on families with children, including single moms and dads in California. As the HUD organizations works to help the family unit stay intact,
Catholic Charities, Diocese of Santa Rosa
The Housing Counseling agency is at 987 Airway Ct, Santa Rosa, California, 95403-2048. Call (707) 528-8712
The church helps homeowners, people behind on their mortgage and single moms or parents with kids. For homeowners already in mortgage default or renters in arrears, counselors from the Catholic Charities center work closely with the borrower, tenants, landlords and lender to find a solution. Options may be payment plans, emergency financial help with a mortgage, relocations for the renter/homeowners and more.
Centro Familia Esperanza
Address: 1720 E Los Angeles Ave, Simi Valley, California, 93065-2095. For details, call (805) 813-8751
City of Vacaville Department of Housing Services
The HUD agency is based at 40 Eldridge Ave, Vacaville, California, 95688-6824. Telephone number is (707) 449-5675
Coachella Valley Housing Coalition
Location is 45701 Monroe St, Indio, California, 92201-3964. Phone: (760) 347-3157
For individuals or low income families living in or considering purchasing manufactured housing, the HUD counselors can provide specialized advice about financing. Learn about lot rent help, installation of a trailer, lease agreements, and maintenance of these types of homes.
Community Housing Council of Fresno
Address: 2560 W Shaw Ln, Fresno, California, 93711-2777. Phone: (559) 221-6919
Community Housing Development Corporation of North Richmond
Address: 1535 Fred Jackson Way, Richmond, California, 94801-1525. Phone: (510) 412-9290
Community Services and Employment Training, Inc. (CSET)
Community action is at 312 NW 3rd Ave, Visalia, California, 93291-3626. Call (559) 732-4194
Credit.org
A wide variety of credit and mortgage counseling services are offered by this CA non-profit. Mortgage relief for homeowners may include modifying loan terms, creating repayment plans for the home loan, forbearance or exploring options like a short sale or deed in lieu of foreclosure. Counselors also give free advice on managing and improving credit scores for would be homebuyers.
- The Riverside County office is at 1450 Iowa Ave, Riverside, California, 92507-0508. Dial (866) 896-7965
- Address: 1555 W Florida Ave, Hemet, CA, 92543-3814. Phone: (855) 736-7782
- Main address: 2140 Hoover Avenue, National City, CA 91950, National City, California, 91950. Phone: (800) 580-1592
- Office is at 1450 Iowa Ave, Riverside, CA, 92507-0508. Phone: (800) 947-3752
East LA Community Corporation (ELACC)
Address: 2917 E. 1st Street, Los Angeles, California, 90033-3667. Telephone number is (323) 859-8050
Eden Council for Hope and Opportunity (ECHO)
Location is 22551 2nd St, Hayward, CA, 94541-4136. Phone: (510) 581-9380
A wide range of financial assistance programs are offered for homeowners, tenants, and homeless people. HUD counseling, as a form of mortgage relief, is but one option.
Epicenter Foundation
Address: 206 W 4th St, Santa Ana, California, 92701-4678. Phone: (714) 361-4139
Fair Housing Advocates of Northern California
Tenants, homeowners, the homeless, disabled people and others will get help from the HUD counseling process. Whether applications to government rent relief programs, or free legal aid to deal with discrimination or predatory loans, assistance is offered to low-income households.
- Address: 1314 Lincoln Ave, San Rafael, CA, 94901-2105. Phone: (415) 457-5025
- Address: 4164 Brockton Ave, Riverside, CA, 92501-3400. Phone: (951) 682-6581
- Riverside County and Moreno Valley 23890 Allessandro Blvd, Moreno Valley, California, 92553-8801. Call (951) 653-8314
- 655 North Palm Canyon Drive, Palm Springs, California, 92262-5529. Phone: (760) 864-1541
Fair Housing Foundation
3605 Long Beach Blvd, Long Beach, CA, 90807-4013. Phone: (562) 989-1206
Services from the HUD agency include, but are not limited too, tenant and landlord mediation as well as mediation with mortgage servicers and homeowners. HUD counselors can act as neutral third parties to help resolve disputes between the parties. Or get help with mortgage loan modification, negotiation of payment plans and other solutions.
Faith and Community Empowerment (formerly Korean Churches for Community Development)
3550 Wilshire Blvd Ste 1124, Los Angeles, California, 90010-2417. Phone: (213) 985-1500
Fresno Interdenominational Refugee Ministries
Address: 1940 N Fresno St, Fresno, California, 93703-2231. Phone: (559) 487-1500
GreenPath Financial Wellness
1561 E Orangethorpe Ave, Fullerton, California, 92831-5217. Phone: (888) 860-4167
A national non-profit with offices in HUD. Everything from debt relief to mortgage assistance programs, bankrutcy consultations and more is offered.
Habitat for Humanity
Volunteers and counselors help low-income families and single moms with homeownership. There will be some houses built, even for veterans in CA. In addition, they are a HUD counseling agency that will educate homeowners on maintaining their home to protect its value and avoid costly repairs. Some repairs may be done by Habitat too, such as for low-income seniors or the disabled. They will also help with advice on regular maintenance tasks and when to seek professional help. Phone: (510) 803-3373
- East Bay/Silicon Valley address is 2619 Broadway, Oakland, California, 94612-3107.
- Address: 513 Valley Way, Milpitas, California, 95035-4105
- Habitat for Humanity Greater Los Angeles is at 8739 Artesia Blvd, Bellflower, California, 90706-6330. Phone: (310) 323-4663
- Stanislaus County office is at 2260 Tenaya Dr, Modesto, California, 95354-3924. For info, call (209) 575-4585
Home Preservation and Prevention (HPP Cares)
For information, stop by 3748 Bayer Ave, Long Beach, California, 90808-1884. Telephone number is (562) 281-8861
HomeOwnership OC
Address: 801 W Civic Center Dr, Santa Ana, California, 92701-4066. Phone: (714) 204-2314
Inland Empire Resource Center
Address: 2050 N Mt Vernon Ave, San Bernardino, CA 92411. Phone: (909) 887-8700
A number of free classes and workshops are held by the HUD agency. It includes in-depth discussions about budgeting, credit scores, maintaining a home, down payment assistance programs, and choosing the right mortgage for buyers or finding relief for current families. They create personalized action plans to address specific hardships.
Inland Fair Housing and Mediation Board
Address: 1500 S Haven Ave, Ontario, CA, 91761-2969. Phone: (800) 321-0911
Korean Resource Center
Multiple sites are in the region, with advice giving to non-English speakers, immigrants and migrants too.
- 620 N Harbor Blvd, Fullerton, California, 92832-1518. Phone: (714) 869-7624
- Address: 900 Crenshaw Blvd, Los Angeles, California, 90019-1978. Phone: (323) 937-3718
Los Angeles Neighborhood Housing Services, Inc.
Address: 3926 Wilshire Blvd, Los Angeles, California, 90010-3303. Phone: (213) 381-2862
Lutheran Social Services of Southern California
The faith based HUD counseling agency has multiple locations. Phone: (909) 866-2792. Homeless prevention includes helping existing homeowners retain their homes during financial hardship. They also help low-income tenants (including seniors). Get tips on forbearance agreements, refinancing, lender-homeowner mediation or other modifications that reduce monthly payments.
- Address: 247 E Amerige Ave, Fullerton, California, 92832-1921.
- Another center is at 1329 N H St, San Bernardino, California, 92405-5039.
Mission Economic Development Association (MEDA)
Location is 2301 Mission St, San Francisco, California, 94110-1898. Phone: (415) 282-3334
Money Management International
The non-profit HUD counselors will help families (or individuals) get back on track with their mortgage payments or try to stop a foreclosure that may be in process. MMI also helps with other debts - credit cards, auto loans, and more. Unfortunately the fact of that matter is that sometimes a homeowner may be so far behind, or their financial condition is so poor, that a foreclosure filing may in fact be the option, and the non-profit will assist with that too. Phone: (866) 232-9080
- Oakland office is at 80 N Wood Rd, Camarillo, California, 93010-8311.
- Address: 3111 Camino Del Rio N Ste 400, San Diego, California, 92108-5724.
- 1050 Lakes Dr, West Covina, California, 91790-2924. Phone: (800) 642-2227
- Address: Howard Hughes Center 6080 Center Dr, Los Angeles, California, 90045. Phone: (866) 232-9080
Montebello Housing Development Corp.
1619 Paramount Blvd, Montebello, California, 90640-2133. Phone: (323) 722-3955
NACA (Neighborhood Assistance Corporation of America)
Assistance programs for both pre-purchase and post-purchase are offered. This service helps prospective homebuyers prepare for the homeownership process. They also help struggling, low-income owners can help with a delinquent mortgage. They also help unemployed homeowners, or those behind on their taxes or loan, get financial help or counseling. Read more on Neighborhood Assistance Corporation of America.
- Address: 205 N 2nd Ave, Upland, California, 91786-6003. Phone: (402) 970-6222
- Location is 11633 Hawthorne Blvd Ste 100, Hawthorne, California, 90250-2369. Phone: (310) 412-2600
- The Alameda County center is at 3801-3805 Broadway, Oakland, California, 94611-5635. Phone: (510) 652-6622
- 3336 Bradshaw Rd, Sacramento, California, 95827-2632. Phone: (425) 892-6222
National Association of Real Estate Brokers-Investment Division, Inc.
Address: 7677 OakPort Street, Oakland, California, 94621-1929. Phone: (510) 268-9792
A major focus is on helping people buy a home, including first time buyers. In addition, for older homeowners / seniors in CA, counselors provide information and advice on reverse mortgages (Home Equity Conversion Mortgages). They also partner with real estate agents in Alameda County.
- Another location is the USA Homeownership Foundation dba Veterans Association of Real Estate Professional. HUD counseling is from 495 E Rincon St, Corona, California, 92879-1301. Phone: (888) 273-7267
Navicore Solutions
Address: 1111 6th Ave, San Diego, California, 92101-5209. Phone: (866) 472-4557
Neighborhood Housing Services of the Inland Empire, Inc.
Address: 1845 Business Center Dr San Bernardino, California, 92408-3447. Phone: (909) 884-6891
Neighborhood Partnership Housing Services, Inc.
Address: 9551 Pittsburgh Ave, Rancho Cucamonga, California, 91730-6008. Phone: (909) 988-5979
NeighborWorks HomeOwnership Center Sacramento Region
Address: 2411 Alhambra Blvd, Sacramento, CA, 95817-1100. Phone: (916) 452-5356
NeighborWorks Orange County
Address: 1748 W Katella Ave, Orange, CA, 92867-3430. Phone: (714) 490-1250
New Economics for Women
Address: 303 Loma Dr, Los Angeles, CA, 90017-1103. Phone: (213) 483-2060
NID-HCA
There are multiple sites as noted. Services range from free foreclosure prevention to education on the home buying process. The HUD agency will help current owners (or buyers) understand the terms of their mortgage loans. There is also info on property taxes, home insurance, and how to plan for unexpected repairs. Both in person and remote consultations are offered from the offices.
- The Oakland main office is at 7677 Oakport St, Oakland, CA, 94621-1960. Phone: (510) 268-9792
- Address: 520 W. Palmdale Blvd, Palmdale, California, 93551-4230. Phone: (661) 526-4013
- 4602 Crenshaw Blvd, Los Angeles, California, 90043-1210. To speak to a counselor, call (323) 299-4067
- NID-HCA Riverside/San Bernardino Counties is served from 23945 Sunnymead Blvd, Moreno Valley, California, 92553-3025. Phone: (951) 399-4538
- Address: 9075 Elk Grove Blvd, Elk Grove, California, 95624-2071. Phone: (510) 268-9792
- 6904 Federal Blvd, Lemon Grove, California, 91945-1409. Phone: (510) 268-9792
- Address: 41593 Winchester Rd, Temecula, CA, 92590-4857. Dial (951) 387-4971
- Address: 15356 La Paz Dr Ste 5, Victorville, California, 92395-3680. Phone: (760) 254-6181
Operation Hope Inc. - South Gate Branch
8710 Garfield Ave, South Gate, California, 90280-3719. Phone: (424) 373-0854
Orange County Community Housing Corporation
501 N Golden Circle Dr, Santa Ana, California, 92705-3913. Information is at (714) 558-8161
Orange County Fair Housing Council, Inc
2021 E 4th St, Santa Ana, CA, 92705-3912. Phone: (714) 569-0823
Counselors from the HUD agency as well as government office help ensure that individuals understand their rights under the Fair Housing Act. This is a federal law applicable in California. Get help with any discrimination in housing based on race, color, national origin, religion, sex, familial status, or disability. Legal aid is offered too as needed.
Project Sentinel
Address: 554 Valley Way, Milpitas, CA, 95035-4106. Phone: (408) 470-3730
Richmond Neighborhood Housing Services
Address: 3220 Blume Dr, Richmond, California, 94806-1980. Phone: (510) 237-6459
San Francisco Housing Development Corporation
Address: 4439 3rd St, San Francisco, California, 94124-2103. Phone: (415) 822-1022
San Francisco LGBT Community Center
Address: 1800 Market St, San Francisco, California, 94102-6227. Phone: (415) 865-5555
A major focus is on the LGTB community and addressing discrimation, but others can use the non-profit too.
Santa Clara County Asian Law Alliance
Address: 991 W Hedding St, San Jose, California, 95126-1248. Phone: (408) 287-9710
Free pro-bono lawyers are at this HUD counseling agency. Mediations, information on Fair Housing Laws in California and discriminatory housing and other legal consults are offered, regardless of client’s ethnicity.
Self Help Enterprises
8445 W Elowin Ct, Visalia, CA, 93291-9262. Phone: (559) 802-1664
Shalom Center for T.R.E.E. of Life
Main address is 2975 Wilshire Blvd, Los Angeles, CA, 90010-1107. Phone: (213) 380-3700
Urban League
Low-income families can get help for their housing needs from the HUD-approved organization. The Urban League counselors can help people with the challenges of maintaining homeownership. This includes help budgeting,. paying property taxes, employment solutions and more. The goal is to equip homeowners with the knowledge and ability to maintain their home. More details on Urban League housing programs.
- The Greater Sacramento Urban League is at 3725 Marysville Blvd, Sacramento, CA, 95838-3738. Phone: (916) 286-8652
- San Diego County office is located at 4305 University Ave, San Diego, California, 92105-8602. Phone: (619) 266-6256
Union of Pan Asian Communities
Main address - 1031 25th St, San Diego, CA, 92102-2102. Phone: (619) 232-6454
Ventura County Community Development Corporation
Location is 2231 Sturgis Rd Unit A, Oxnard, California, 93030-7813. Phone: (805) 273-7800
A government affiliated HUD counseling agency. In addition to helping current homeowners who are struggling, they also offer free financial literacy workshops.
Visionary Home Builders of California
Address: 315 N San Joaquin St, Stockton, California, 95202-2029. Phone: (209) 466-6811
West Angeles Community Development Corp.
Office is at 6028 Crenshaw Blvd, Los Angeles, California, 90043-3904. Phone: (323) 751-3440
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