Foreclosure Alternatives


We provide workshops and individual coaching to support your financial stability and plan for long term self-sufficiency.


HomeownershipSF, in partnership with its HUD approved member agencies and other community partners, coordinates and facilitates educational workshops with panels of professionals that offer guidance in sustaining homeownership and guidance in avoiding foreclosure. Workshops are presented by expert community partners such as financial coaches, attorneys, lenders, and the San Francisco Mayor’s Office of Housing and Community Development.

Additionally, it provides free counseling services through its member agencies and educational materials/links to local and national resources on its website. These services are provided to help homeowners know their options and take action, while stressing the importance of avoiding potential scam artists.



Struggling with your mortgage payments?


We provide financial education, coaching and support to help you assess your current housing situation and connect you with available resources, such as: Reinstatement assistance, unemployment assistance, loan modification and the San Francisco's Mortgage Assistance Program (MALP).  Learn more about our free resources to help you avoid foreclosure here.

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). Aprenda mas acerca de nuestros servicios gratuitos de prevención de ejecuciones hipotecarias.







 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. Take the next step toward solving your mortgage problems and securing your financial future:

Next Steps

  1. If you have fallen behind or are at risk of falling  behind on your mortgage payments, contact one of HomeownershipSF’s member agencies listed below. All member agencies listed are HUD Certified Housing Counseling Agencies providing FREE foreclosure intervention counseling services.

    2. If you are struggling to make your mortgage payments on time, use the following resources and information to guide you in sustaining your home if possible.

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