San Diego County


Foreclosure Prevention

Foreclosure is the legal process that your mortgage lender uses to take your home when you fall behind on your mortgage payments. 

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.


Emergency Funds for the Unemployed

New government mortgage relief programs available for the unemployed.

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Contact a HUD approved counseling agency

If you are facing foreclosure contact a local HUD approved counseling agency for assistance regarding your situation.

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In Danger of Losing Your Home?

Contacting your lender is a key first step. A representative may be able to help modify your loan or work out another arrangement. Learn about homeowner preservation initiatives sponsored by major lenders.

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Housing Help & Foreclosure Prevention

The San Diego County Library offers educational classes where you can speak to a lawyer, housing, or mortgage counselor on foreclosure, bankruptcy and how to keep your home. All for free! 

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How can you protect your home from foreclosure? California Foreclosure Process

Having your house go into foreclosure is a financial disaster, but there are ways to avoid this if you are determined to save your house. A foreclosure can have long-lasting effects on your credit score, but just because you've missed a payment or you're about to miss a payment, you don't have to hand over your keys to the bank. Look into these options before your home goes into foreclosure. 

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Resources for Consumers from the Federal Reserve Bank

If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. The following resources provide information and links to agencies and organizations that may be able to help you, as well as useful articles to inform you. 

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Making Home Affordable

The Obama Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.

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Want assistance now?

Just visit the Virtual Counselor Network website, and we’ll connect you to a live counselor.

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