Welcome to the Department of Housing and Community Development's (HCD) Foreclosure Avoidance Information Page for Owner
Occupied Properties. If you are having trouble making your mortgage payments to the HCD on your home, or if you wish to
discuss options to avoid foreclosure, please continue reading.
The most important thing to do if you think you may be having trouble making your payments is to contact your lender. Although
it may be difficult to make that call, your lender has representatives available to discuss your situation in detail and
explore your options.
Depending on their circumstances, borrowers who are unable to afford their mortgage payments to HCD and wish to avoid
foreclosure have potential options:
More detailed information regarding these options is available,
and all options are subject to, among other things, HCD discretion, as well as to California and federal laws, and HCD's
policies, regulations, and guidelines.
If you have a loan serviced by HCD, and are worried about missing payments or wish to discuss options to avoid foreclosure,
Attention: Asset Management and Compliance Section
2020 West El Camino Avenue
Borrowers should have these documents ready when discussing options to avoid foreclosure with HCD:
Additional information may be requested by HCD in order to make a final decision on any option discussed. Approval by the
mortgage insurer, investor, or other lenders may also be required.
HCD Foreclosure Avoidance Information
Line 1 (866) 866-0893
HUD-certified Housing Counseling Agencies
1 (800) 569-4287
California's Consumer Home Mortgage Information
www.yourhome.ca.gov (in English)
www.sucasa.ca.gov (en Espaħol)
Homeownership Preservation Foundation
1 (888) 995-HOPE (4673)
Rural Community Assistance Corp (RCAC) Foreclosure Counseling Agencies
1 (800) 342-9647