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.

Housing information from California: https://housing.ca.gov/

FHA Loan Modification Terms Increase from 360 to 480 months: https://www.federalregister.gov/documents/2023/03/08/2023-04284/increased-forty-year-term-for-loan-modifications

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/

Helpful link: https://www.makinghomeaffordable.gov/need-help

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

Process tenants may pursue to purchase the property at foreclosure. Effective Jan. 31, 2021 SB 1079 (Skinner, Chapter 202, Statutes of 2020) Foreclosure notices to tenants in residence. This bill temporarily requires a specified notice to a tenant in residence in a home subject to foreclosure, and establishes a process tenants may pursue to purchase the property at foreclosure: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB1079