Here are some great current links that our government and the lending industry have provided. We have provided a small introduction to each of these links so that you can find the information you are seeking as quickly as possible.

If you do not see anything that may be of help, please do not hesitate to call one of our team members. We are HopeOptions4You make our daily business to now the latest and best resources that may be of help to you.

Making Home Affordable: Help for America's Homeowners

This is the government-based initiative that came out in February and updated in March of 2009

http://www.makinghomeaffordable.gov/

U.S. Department of Housing and Urban Development (HUD)

This is a great site to get the most current and up-to-date information concerning foreclosure help. They have sections, such as Get Help Now, Keep Your Home, Refinance Options and If You Can't Keep Your Home. This link will take you to the categories above.

http://www.hud.gov/foreclosure/

FHA loans: Fannie Mae-More Options to Avoid Foreclosure

http://www.fanniemae.com/homeowners/index.html

Freddie Mac-Avoiding Foreclosure

http://www.freddiemac.com/corporate/buyown/english/avoiding_foreclosure/

Foreclosure Counseling-Word Of Caution:

Watch out for questionable counseling companies who advertise that, for a minimal fee, they will hire a lawyer to defend the foreclosure in court or negotiate lender assistance on your behalf. You should call a HUD-approved counseling organization, a local NeighborWorks®  organization, or 888.995.HOPE before you pay or sign anything.

We have many local non-profit FREE counseling service providers. If you have any questions and do not know where to start you can call us or call the local providers. This is the Northern California listings. When specking to any non-profit counseling agency, please make sure they are HUD approved.

http://www.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?&webListAction=search&searchstate=CA&filterSvc=dfc

Hope Now-HUD Approved counseling service provider

Homeowners Hotline 888-995-HOPE

http://www.hopenow.com/ 

LawHelpCalifornia.Org

Consider contacting your attorney or a local Legal Aid office, especially if you have reason to believe you were the victim of questionable lending practices. A good place to start is at LawHelpCalifornia.org  Click on the Housing icon.

http://www.lawhelpcalifornia.org/CA/index.cfm

Neighborhood Works America

NeighborWorks®  organizations work with the Homeownership Preservation Foundation to offer a nationwide assistance number-888.995.HOPE. You can speak with a counselor, day or night, to help you get back on track financially. (English and Spanish)

 Reputable counseling agencies, such as NeighborWorks® organizations, can help you avoid foreclosure. Look up your nearest NeighborWorks®  organization.

http://www.findaforeclosurecounselor.org/network/nfmc_lookup/  

Now that you have some information, and have a good idea of what need to get started, Do Not Forget Your Credit.

National Foundation for Credit Counseling 1-800-388-2227

http://www.nfcc.org/   

Equifax 800.685.1111            http://www.equifax.com/home/

Experian 888.397.3742         http://www.experian.com/

TransUnion 800.916.8800     http://www.transunion.com/

Know Your Score-Get A Free Credit Report
Get your once a year free credit report, it does cost extra for your credit score, but not the report. Go to www.AnnualCreditReport.com, or call 877.322.8228.