Contact me directly for foreclosure assistance. I have a Short Sale & Foreclosure Certification from the National Association of Realtors. There are options available if you want to keep your home: Loan Modification, Bankruptcy, etc. If you are facing financial hardships, you should ask for a loan modification or forbearance immediately from your lender.
Three of the Changes in 2025 California Legislative Foreclosure Law:
-Foreclosure sales are postponed by 45 days upon receiving a listing agreement or an executed purchase agreement at least 5 business days from the scheduled date of sale along with other requirements.
-Requirement for fair market value. The trustee cannot sell the property below 67% of its fair market value at the initial sale.
- Places 90-day delay on “surplus fund chasers” solicitations. After all lienholders and other costs are paid, the prior owner of a foreclosed property will be entitled to any surplus funds. AB 295 seeks to protect those persons following a trustee's sale from individuals who are attempting to take advantage of the foreclosure process.
California Courts Free to Low Cost Legal Advice: https://selfhelp.courts.ca.gov/get-free-or-low-cost-legal-help
FHA Loan Modification: https://www.hud.gov/helping-americans/fha-loss-mitigation#:~:text=The%20Federal%20Housing%20Administration%20(FHA)%20offers%20options,reduces%20monthly%20mortgage%20payments%20for%20three%20years
VA Announces Changes Meant to Stop Foreclosures on Veterans Using VA-backed Loans (11/18/2023): https://www.stripes.com/theaters/us/2023-11-17/va-change-foreclosure-loans-12086539.html#:~:text=With%20the%20extension%20of%20the,of%20this%20extension%2C%20Hayes%20said.
VA Veteran Foreclosure Assistance: (877) 827-3702 https://www.va.gov/housing-assistance/home-loans/trouble-making-payments/
If you do not have funds to pay for the attorney call Legal Aid. Legal Aid Call 877 534-2534 or https://www.lassd.org/ They Provide: Legal Help with Housing, Debt Collection, Repossession, Sales Contracts, Housing Discrimination, Family Law, Immigration, Federal Tax Problems, CalWorks/CalFresh/General Relief, Conservatorships, Restraining Orders, SSI.
Bankruptcy and Foreclosure Attorney, Law Offices of Andrew Moher (3 locations in San Diego County): (619) 786-3800, amoher@moherlaw.com, https://www.moherlaw.com/
Bankruptcy and Foreclosure Attorney, Sternberg Law Group, Joshua Sternberg: (888) 830-2303, https://sternberglawgroup.com/
Forbearance Video & Information from Consumer Financial Protection Board: https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/mortgage-relief/
HUD Foreclosure Avoidance Counseling Agency Search: https://apps.hud.gov/offices/hsg/sfh/hcc/fc/index.cfm?webListAction=search&searchstate=CA&filterSvc=dfc
Over 60 Money Management International: They provide foreclosure prevention services, credit/budget counseling, debt management, reverse, mortgages, bankruptcy. Call (866) 889-9347 or https://www.moneymanagement.org/
Fannie Mae & Freddie Mac Housing Assistance. A counselor can determine whether you have a hardship: https://yourhome.fanniemae.com/talk-to-a-housing-counselor
Comprehensive Information of Services Available in the County of San Diego Including, Rental Assistance, Mental Health Services, Immigration Services, etc. Dial: 211 or Website: 211.org
