The Foreclosure Process

The California Courts prepared an overview of the foreclosure process in California for consumers. While every homeowner’ situation will be different, this is a good starting point for better understanding the general foreclosure process. To access the overview, go to: http://www.courts.ca.gov/1048.htm

Alternatives to Foreclosure

Wondering what your options are to foreclosure?  There are alternatives for homeowners who want to remain in their homes, and homeowners who don’t want to or cannot remain in their homes but want to limit the financial and emotional impacts associated with foreclosure.


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Making Home Affordable

Making Home Affordable is an official joint program of the U.S. Departments of Treasury & Housing and Urban Development. This free federal program can help homeowners find specific programs that may meet their needs and can connect them to a HUD-approved housing counselor for assistance. Click here or call 888-995-HOPE (4673) for more information.

Assistance For Military Service Members

Assistance For Military Service Members is provided by the Department of Defense (DOD) which has created a webpage on its Military Source One website with advice for avoiding scams and foreclosure and information on the Service Members Civil Relief Act  of 2003 (SCRA).


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California Homeowner Bill of Rights

In July 2012, Governor Brown signed the California Homeowner Bill of Rights into law to help struggling California homeowners stay in their homes. The laws are effective as of January 1, 2013. Key provisions in the bill include:

  • Ending the practice of “dual tracking” where banks would negotiate a loan modification with a homeowner while proceeding with a foreclosure at the same time.
  • Requiring a single point of contact for borrowers who has the responsibility to coordinate the flow of documentation between the borrower and the mortgage servicer
  • Giving homeowners the right to sue lender for “significant, material violations” of the law.

For more information about the California Homeowner Bill of Rights click here.

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Gregory C. Devereaux Chief Executive Officer | James C. Ramos Chairman, Third District | Robert A. Lovingood Vice Chairman, First District | Janice Rutherford Second District | Curt Hagman Fourth District | Josie Gonzales Fifth District | Mary Jane Olhasso Assistant Executive Officer - Finance and Administration