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Frequently Asked Questions
What steps do I take if I foresee
mortgage problems?
Evaluate your situation. Include family members in the
process. Set money aside for your mortgage payment.
Get in touch with your lender/servicer. Always give
truthful and accurate financial information. Never agree
to any plan that you can’t afford.
How should I deal with collection
notices?
OPEN YOUR MAIL! Immediately communicate your
hardship to your lender. Call a housing counselor.
What does a housing counselor do?
Housing counselors act as an advocate on your behalf.
They communicate with your lenders and servicers, with
you, to find options that might save your house from
foreclosure.
Do I pay for this help?
No. HUD approved, non-profit housing counseling
agencies offer free help. Be aware of scams and agencies
that try to charge you for their services.
What are some of my options?
A temporary forbearance, a loan modification, a short
sale or Deed in lieu (DIL) of foreclosure are options that
can be explained to you by a housing counselor.
Is there cash help available?
Some non-profit organizations have limited resources
available for homeowners who clearly demonstrate the
ability to make future payments. Most solutions do not
involve outside funding.
Is there a way to get my home back
after foreclosure?
Those options vary. At this point, consult an attorney.
Community Resources
If you or someone you know is having financial worries
call the United Way. This number will connect you with
a trained professional 24 hours a day, 7 days a week, who
can advise you of the resources closest to you.
Fresno and Kern County Dial 211
Tulare County 800-283-9323
Kings County 877-864-9290
Madera County 559-243-3666
Merced County 209-3834242
ClearPoint Central Valley Credit Counseling Solutions
clearpointfs.org
800-750-2227 559-454-1405
Consumer Credit Counseling
californiacccs.org
Bakersfield: 661-324-9628 and 800-272-2482
Visalia: 559-732-2227
The HOPE Hotline
995hope.org
1-888-995-HOPE
Hope Now Alliance
hopenow.com
1-888-995-HOPE
Springboard
credit.org
877-947-3752
For more resources visit kvpt.org/mortgage
downloadable PDF info here
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