Foreclosure Prevention Assistance

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The following links provide useful information to individuals who are having difficulty in making their monthly mortgage payments or who have received a Notice of Default, which is the first step in the California non-judicial foreclosure process. The City urges borrowers to be wary of foreclosure prevention entities that charge fees for service. In 2009, the U.S. Department of Housing and Urban Development (HUD) issued a press release to warn residents of scam tactics.

  • Cabrillo Economic Development Corporation - Local organization involved in Hope Now through the NeighborWorks Home Ownership Center by offering foreclosure counseling. Offers homeowners assistance and refers clients to the district attorney's office for abuses by lenders that used deceptive marketing methods to secure questionable loans.
  • Ventura County Community Development Corporation - Local organization's Home Preservation Counseling offers free services to assist homeowners in preventing foreclosure for families and individuals. Unexpected emergencies, such as job loss, illness, or a death in the family can lead to temporary losses in income, resulting in an inability to make mortgage payments.
  • Hope Now - An alliance between counselors, servicers, investors, and other mortgage market participants to prevent foreclosures by providing outreach, counseling, and assistance to homeowners. It provides a toll-free hotline.
  • California Department of Real Estate - State department in charge of real estate broker licensing and consumer complaints with respect to real estate transactions. Offers license checks of mortgage brokers and lenders and a consumer complaint form. Also provides additional links for foreclosure prevention information and avoiding mortgage foreclosure scams.
  • U.S. Department of Housing & Urban Development (HUD) - HUD's Tips for Avoiding Foreclosure and links and toll-free phone numbers to HUD-approved housing counseling agencies.

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