Have you missed a payment? If so, contact one of our HUD Approved Housing Counseling Agencies.Choose an organization
Mission Economic Development Agency (MEDA)
Having all your documents compiled ahead of time will help make your appointment go smoothly.
275 5th St. Suite 315
San Francisco, CA 94103
If you are facing financial difficulties and have fallen behind on your mortgage payments or are struggling to make them on time – we encourage you to start exploring your options today. Contact and book a Counseling Session to discuss your options with one of HomeownershipSF’s member agencies: Asian Inc., BALANCE, MEDA, SFHDC. All member agencies listed are HUD Certified Housing Counseling Agencies providing FREE foreclosure intervention counseling services such as financial education, coaching and support to help you assess your current housing situation and connect you with available programs and resources.
Recursos GRATUITOS para ayudarle a evitar una ejecución hipotecaria
Proporcionamos educación financiera, asesoramiento y apoyo para ayudar a evaluar su situación y conectarlo con recursos disponibles, como: asistencia de reinstauración hipotecaria, asistencia por desempleo, modificación de préstamo y el programa de préstamo de asistencia hipotecaria de la ciudad de San Francisco (MALP).
Prepare For Your Counseling Session
Start preparing for a productive meeting with a HUD Certified Housing Counselor by making a set of copies of the following documents. Most counselors will require you to submit these documents before he/she can meet with you unless you have received a Notice of Trustee Sale, which is an urgent matter and you should see a counselor as soon as possible.
Exactly what you will need to provide your mortgage company to apply for mortgage assistance varies somewhat from program to program and from servicer to servicer– but they all require documentation on your loan, your finances and your circumstances. To maximize your options, you will need to gather this documentation as quickly and completely as you can. You will need to download, fill out and copy several forms that you will find on this website. And you will need to compile all your forms and documents into an organized file that your housing counselor or mortgage servicer can understand and evaluate. To apply for help be prepared to provide:
In addition, you need to complete and present the following forms:
IMPORTANT NOTE: Beware of Unethical Mortgage Foreclosure Rescue and Loan Modification Operators
A fairly new and dangerous threat has arisen for homeowners who have fallen behind on their mortgage payments and may be at risk of foreclosure – opportunistic companies. They often refer to themselves as a “foreclosure consultant” or “mortgage consultant,” and market themselves as a “foreclosure service”, “foreclosure rescue agency” or “loan modification company.” They count on homeowners being vulnerable and desperate. These companies claim they can assist homeowners facing foreclosure with options that allow them to keep their property, refinance or modify an existing mortgage, repair credit or help “buy more time.” In reality, these “options” are intended to convince you to take the wrong steps so they can take your money and possibly your home. Remember the old saying, “If it’s too good to be true, it probably is. ” Be safe. It is important that you take action by contacting one of the Foreclosure Intervention Counselors at one of your local HUD Approved Housing Counseling Agencies here in San Francisco and listed above to help you explore your options, which may range from modifying your loan to refinancing your loan to selling your home and transitioning with dignity.