Help with a mortgage to stop a foreclosure in California.
Mortgage assistance programs are available from a number of non-profits, HUD organizations and government programs in California. In addition to that a number of separate, foreclosure prevention services are available in all areas of the state to homeowners. Everything from mediation, refinancing to repayment plans can help homeowners with paying their mortgage and find where to help with a mortgage or foreclosure relief in CA.
Programs across the state that help with a mortgage
California Housing Finance Authority operates a number of statewide assistance programs for homeowners, with additional benefits for those that have a home loan backed / originated by CalHFA. In addition, the organization helps first time buyers and they can receive grants, loans, and other forms of help from the California Housing Finance Authority. A number of programs and services are available, including low interest, first mortgage and down payment assistance.
- Hardship assistance is offered by CalHFA statewide. The organization can direct clients to legal aid, non-profit credit counseling and they also offer direct grants during times of natural disaster in CA. All of these programs, and others, are aimed at helping to keep people in their home by keeping their mortgage current. The Housing Finance Authority will also provide property tax help to low-income homeowners, with a focus on seniors and the disabled. Call 800.669.1079 or get details on CalHFA hardship help here https://www.calhfa.ca.gov/myaccount/hardship/index.htm.
Housing counseling agencies help struggling homeowners. Dozens of non-profit HUD approved counseling agencies provide California homeowners with access to foreclosure assistance. The resources range from counseling as a form of prevention to help in applying for government programs, lender - homeowner mediations and others. Clients can also get information on mortgage assistance and delinquency programs. Find a listing of California free HUD counseling agencies.
Free Legal Aid organizations help homeowners. Some are local but others offer statewide services. As examples, California Rural Legal Assistance (CRLA) offers free legal support, including foreclosure defense and help in finding/applying to local mortgage assistance programs. They also operate across rural California with several offices. Another option is Bet Tzedek Legal Services, while based in Los Angeles, they provide pro bono legal aid to homeowners statewide on issues such as foreclosure prevention, home loan disputes, and housing fraud. More details on free legal aid in CA.
California courts self help guide Under the states Self‑Help system, California homeowners can find a variety of resources. They can locate HUD‑approved housing counseling agencies offering foreclosure prevention services, along with information about mortgage assistance, including state‑funded relief programs via CalHFA. Although it’s not a single organization, this portal equips you to find help wherever you are in California via a trusted HUD network. Get details here https://selfhelp.courts.ca.gov/foreclosures/resources.
Local organizations in CA that offer mortgage payment help
Most cities/communities in California have other resources for people in that area. They range from non-profits that offer financial help with a home loan to legal aid services, local government ordinances and other options. As each local CA community does its best to limit / ideally stop foreclosures.
- Los Angeles area mortgage assistance programs are offered. Several non-profits, HUD agencies, and other organizations in the greater Los Angeles County region provide homeowners with free or low cost foreclosure prevention solutions. Families can get assistance with their mortgage payments, whether grant money, legal services or something else. This also covers nearby counties, such as the valley and far reaches of the county. Learn more on the Los Angeles mortgage assistance programs available to borrowers.
- San Diego California foreclosure relief and mortgage assistance programs are available from a couple places. They are available in the city and county. Numerous organizations offer homeowners access to financial assistance programs, refis, legal aid and resources that can help them avoid a foreclosure. Click here for more details on ways to prevent a foreclosure in the San Diego region.
- Fair Housing of Northern California (FHANC) provides free, bilingual (English/Spanish) foreclosure prevention counseling services. This includes help in finding, and applying, for emergency financial help to pay a home loan. Or access fair housing services, legal aid and mortgage distress support across Northern California. The location is 851 Irwin St Suite 218, San Rafael, CA 94901 and dial (415) 457-5025
Additional programs in CA that can help with a mortgage and home loans
As conditions warrant, California has offered several other mortgage assistance programs in the past. Some of these open up from time to time as well when the economy calls for it or a disaster hits, like a wildfire, earthquake or other event. Some of the other options including the following.
- California Hardest Hit Fund combines federal funds and state grants. In the past this has covered refinancing a loan, grants, and more. Read more on the California Hardest Hit mortgage program.
- California foreclosure prevention for seniors ramps up when conditioners warrant. It was created to help older adults deal with foreclosure and predatory lenders. These individuals can often be the most vulnerable to those forms of financing. Click here to learn more on foreclosure prevention for the elderly in California.
- California mortgage foreclosure moratoriums are issued on occasion. During wildfires, rain events are other times this is available. The program provides time for all parties to find a reasonable solution. More on California foreclosure moratorium.
- Mortgage relief is also for the unemployed and underemployed from time to time. A program known as Keep Your Home was used in the past (and is used when needed) and it may be able to help homeowners in California who have lost their job, who have had a reduction in their income or hours at work, or who are facing some type of short term financial crisis and who therefore need help with their mortgage. It is a way to get foreclosure help in an emergency. Learn more on California Keep Your Home.
- Seminars, workshops, and clinics for homeowners or buyers ramp up. An independent mediator will also be involved to ensure everyone is treated fairly. A number of topics are addressed in these sessions. Individuals can also learn about how the foreclosure process works in California. The sessions cover state laws and regulations and they can get information on all of the private and government mortgage assistance programs. More on California foreclosure clinics.
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