Applying for a mortgage modification is equal parts torture and miracle drug.
It can mean the difference between staying in your home and foreclosure.
Yet it comes with more questions than answers.
- What’s the difference between HAMP and HARP?
- Do I want to appear broke or prosperous?
- Should I default before I apply?
Critical questions, the answers to which determine whether you keep your house or not.
Enlist free help
Get help from a skilled counselor who is on your side, for free.
The federal Housing and Urban Development Department (HUD) certifies agencies to help consumers with foreclosure prevention, loan modification, reverse mortgages and other complications that come with home ownership.
There are lots of sources of help right here in the Bay Area.
Below are the HUD certified agencies in the immediate Bay Area. The complete California list is here, and a locator for HUD counselors nationwide here.
HOUSING RIGHTS, INC.
1966 San Pablo Avenue
P.O. Box 12895
Berkeley, California 94712
Phone: 510-548-8776-310
HOUSING RIGHTS, INC. – DBA MT DIABLO HOUSING OPPORTUNITY CENTER
2699 Monument Blvd., Suite G
Concord, California 94520
Phone: 925-395-0303
MONEY MANAGEMENT INTERNATIONAL CONCORD
1070 Concord Ave., Ste. 105
Concord, California 94520
Phone: 800-308-2227
NORTHERN CALIFORNIA URBAN DEVELOPMENT
1836 Bay Road
Suite B
East Palo Alto, California 94303
Phone: 650-328-1890-110
PACIFIC COMMUNITY SERVICES FAIRFIELD
1125 Missouri St., Ste. 212
Fairfield, California 94533
Phone: 925-439-1056
MONEY MANAGEMENT INTERNATIONAL FREMONT
3100 Mowry Avenue #403A
Fremont, California 94538
Phone: 800-308-2227
PROJECT SENTINEL
39155 Liberty Street #D440
Fremont, California 94538
Phone: 510-574-2270
CALIFORNIA RURAL LEGAL ASSISTANCE-GILROY
7365 Monterey Road, Suite H
Gilroy, California 95020
Phone: 408-847-1408
PROJECT SENTINEL
7800 Arroyo Circle, Bldg A
Gilroy, California 95020
Phone: 408-842-7740
EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
770 A St
Hayward, California 94541-3956
Phone: 510-581-9380
EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
3311 Pacific Avenue
Livermore, California 94705
Phone: 925-449-7340
TRI-VALLEY HOUSING OPPORTUNITY CENTER
141 N. Livermore Avenue, Suite A
Livermore, California 94550
Phone: 925-373-3130-301
CALIFORNIA RURAL LEGAL ASSISTANCE-MONTEREY
2100 Garden Road, Suite D
Monterey, California 93940
Phone: 831-375-0505
CATHOLIC CHARITIES OF THE EAST BAY
433 Jefferson St.
Oakland, California 94607-3592
Phone: 925-825-3099-306
EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
1305 Franklin St Ste 305
Oakland, California 94612-3213
Phone: 510-581-9380
MONEY MANAGEMENT INTERNATIONAL OAKLAND
7677 Oakport St.
Ste. 700
Oakland, California 94621
Phone: 800-308-2227
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) OAKLAND, CA
3801-3805 Broadway
Oakland, California 94611
Phone: 510-652-6622
NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
3560 Grand Avenue
Oakland, California 94610
Phone: 510-268-9792
NATIONAL CAPACD
310 8th Street
Suite 303
Oakland, California 94607
Phone: 510-452-4800
NID-HCA BAKER
225 Tunis Road
Oakland, California 94603
Phone: 510-562-0109
NID-HCA CARLISLE
3560 Grand Avenue
Oakland, California 94610
Phone: 510-268-9792
NID-HCA TUCKER
3535 – 38th Avenue
akland, California 94619
Phone: 510-530-9166
OPERATION HOPE, INC
3062 E. 9th St.
Oakland, California 94601
Phone: 510-535-6700
THE SPANISH SPEAKING UNITY COUNCIL OF ALAMEDA COUNTY, INC. (THE UNITY COUNCIL)
3301 East 12th Street
Suite 101
Oakland, California 94601
Phone: 510-535-6943
PROJECT SENTINEL
525 Middlefield Road
Redwood City, California 94063
Phone: 650-321-6291
COMMUNITY HOUSING DEVELOPMENT CORPORATION OF NORTH RICHMOND
1535-A Third Street
Richmond, California 94801
Phone: 510-412-9290-21
RICHMOND NEIGHBORHOOD HOUSING SERVICES, INC.
2320 Cutting Blvd.
Richmond, California 94804-3709
Phone: 510-237-6459-16
HOUSING RESOURCE CENTER OF MONTEREY COUNTY
134 East Rossi Street
Salinas, California 93901
Phone: 831-424-9186
NEIGHBORHOOD HOUSING SERVICES SILICON VALLEY-SALINAS BRANCH
201 John St., Suite G
Salinas, California 93901
Phone: 831-757-3778
More Monterey County government and non-profit assistance programs.
FAIR HOUSING OF MARIN
615 B Street
San Rafael, California 94901
Phone: 415-457-5025
ASIAN INCORPORATED
1167 Mission Street, 4th Floor
San Francisco, California 94103
Phone: 415-928-5910
CCCS OF SAN FRANCISCO
595 Market Street
15th Floor
San Francisco, California 94105
Phone: 800-777-7526
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO – HPF AFFILIATE
595 Market Street
15th Floor
San Francisco, California 94105
Phone: 800-777-7526
MISSION ECONOMIC DEVELOPMENT ASSOCIATION (MEDA)
2301 Mission Street, Suite 301
San Francisco, California 94110
Phone: 415-282-3334-114
MISSION ECONOMIC DEVELOPMENT ASSOCIATION (MEDA)
4651 Mission St.
San Francisco, California 94112
Phone: 415-282-3334-14
SAN FRANCISCO HOUSING DEVELOPMENT CORPORATION
4439 Third St.
San Francisco, California 94124
Phone: 415-822-1022-112
AFFORDABLE HOUSING CENTERS OF AMERICA, SAN JOSE, CA
395 E. Taylor St.
Suite 230
San Jose, California 95112
Phone: 408-297-3053
CATHOLIC CHARITIES OF SAN JOSE
2625 ZANKER ROAD, SUITE 200
SAN JOSE, California 95134
Phone: 408-325-5166
SUREPATH FINANCIAL SOLUTIONS – SAN JOSE
1190 South Bascom Avenue, Ste 208
San Jose, California 95128
Phone: 877-615-7873
CALIFORNIA RURAL LEGAL ASSISTANCE
501 Soquel Avenue Suite D
Santa Cruz, California 95062
Phone: 831-458-1089
CALIFORNIA RURAL LEGAL ASSISTANCE
725 Farmers Lane # 10B
Santa Rosa, California 95405
Phone: 707-528-9941
CATHOLIC CHARITIES, DIOCESE OF SANTA ROSA
465 A Street
Santa Rosa, California 95401
Phone: 707-542-5426-118
CCCS OF SAN FRANCISCO
70 Stony Point Road
Suite C
Santa Rosa, California 95401
Phone: 800-777-7526
PROJECT SENTINEL
298 S. Sunnyvale Avenue, Suite 209
Sunnyvale, California 94086
Phone: 408-720-9888-16
CALIFORNIA RURAL LEGAL ASSISTANCE
21 Carr Street
Watsonville, California 95076
Phone: 831-724-2253
SUREPATH FINANCIAL SOLUTIONS – WATSONVILLE
23 E. Beach Street, Suite 211
Watsonville, California 95076
Phone: 877-615-7873
Cartoon image: © yumid
Map: public domain courtesy of Wikimedia
