Foreclosure Prevention

Struggling with your mortgage payments?

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).

免費資源/資訊幫助您保留您的房子以避免銀行收屋!



我們提供理財教育,輔導和協助,以幫助您評估您當前的住房情況,並提供適合您的房屋貸款援助計劃資訊。

例如:恢復房屋貸款援助方案,失業房屋貸款援助計劃,房貸重組和三藩市房屋貸款援助計劃(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:

  • Monthly mortgage statements
  • Information about other mortgages on your home, if applicable
  • Two most recent pay stubs for all household members contributing toward the mortgage payment
  • Last two years of federal tax returns
  • If self-employed, the most recent quarterly or year-to-date profit and loss statement
  • Documentation of income you receive from other sources (alimony, child support, social security, etc.)
  • Two most recent bank statements
  • A utility bill showing homeowner name and property address
  • Unemployment insurance letter, if applicable
  • Account balances and minimum monthly payments due on all of your credit cards
  • Information about your savings and other assets
  • It may also be helpful to have: A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.)

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.

Additional Tips for Avoiding Mortgage Foreclosure Rescue and Loan Modification Scams