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Home Mortgage Foreclosure Prevention


While the foreclosure crisis has subsided, it is not over. Deceptive loans, financial stress and/or increasing monthly mortgage payments, sometimes the result of HAMP modifications received 5 or 6 years ago, threaten the well-being of many low-income and minority families and elders.

Find information on programs and resources to help homeowners below. CLSEPA does not currently provide foreclosure prevention or loan modification services, but can provide appropriate referrals to San Mateo County residents.

Read on for information about important homeowner programs, protections and resources:


San Mateo County residents have received assistance to stay in their homes through several different government programs, including:

  • Making Home Affordable
  • Keep Your Home California


In 2012, the National Mortgage Settlement helped some homeowners through improves customer relations and even principal reduction.

The California Homeowner Bill of Rights, signed into law in July 2012, went into effect on January 1, 2013 and offers increased protections for homeowners trying to save their homes. Most importantly, it will:

  • Prohibit a series of unfair bank practices that have needlessly forced many homeowners into foreclosure
  • Give a homeowner the power to require loan servicers to document their right to foreclose
  • Guarantee homeowners a specific contact at their lender with knowledge of their loan and direct access to decision makers
  • Give homeowners access to courts to enforce their rights under the new law

AVOID SCAMS. Many people have paid money to businesses that have promised loan modifications or successful lawsuits but haven’t delivered. In some cases, the business simply disappears and the homeowner is out thousands of dollars.

To find out tips to avoid scams, visit the California Attorney General’s website and the Federal Trade Commission’s website. If you think you have been scammed, contact CLSEPA at the number below.


CLSEPA clients have received assistance through several different government programs, including:


Foreclosure Prevention Resources

Foreclosure Prevention Guide in English

Guía de Prevención de Ejecución Hipoteca en Español

HOPE hotline / HUD Certified Counselors

Able Works

Project Sentinel

Consumer Credit Counseling Service of San Francisco

HIP Housing – CLSEPA clients have successfully increased their income by finding some to share their home through HIP housing