FICO Score 10 To Increase Mortgage Loan Approvals

Published May 22, 2024May 22, 2024 by mortgagetree

Using FICO® Score 10 T can expand mortgage approval rates by 5% relative to versions most commonly in use today, without adding incremental risk.

Mortgage approval rates can be expanded by 5% without adding incremental risk relative to the current score in use.

FICO estimates delinquency rates could be reduced for mortgage originations by 17% at a cutoff of 680 as compared to prior FICO® Scores.

How might FICO 10 affect your score?

Your score is most likely to drop when using the FICO 10 scoring models if:

You took out a personal loan to consolidate credit card bills, but now your card balances are up again or it appears you have applied for additional credit.

You are using credit cards to get by — and you just can’t seem to whittle the balances down or your balances are growing.

You have missed a payment — the penalty for going 30 days past due will be even harsher than it is under previous FICO scoring models.

On the other hand, some people could see their scores rise by 20 points or more. Your score is most likely to rise if you have been penalized for occasional high balances. Shellenberger gave an example: If you typically vacation in July and put airline tickets, hotel and meals on a credit card — and then pay it off — the trended data won’t penalize you as much. It looks at balances over time and sees you bringing a temporarily high balance down. Read More…

A Minority-Owned Business

Published April 15, 2024May 17, 2024 by mortgagetree

As a Minority-Owned Business, Mortgage Tree Capital is a specialty finance company that originates, purchases, sells, and services mortgage loans secured primarily by first mortgages on single-family residences. Headquartered in Elk Grove (Sacramento County), California, Mortgage Tree Capital and Mortgage Tree Reality is a wholly owned subsidiary of Mortgage Tree Capital Inc. With prime products to its proven non-prime lending business, Mortgage Tree Capital offers a full spectrum of loan products to suit any borrower’s needs.

With over 50 loan programs to choose from and a professional staff who can customize a loan to meet your needs. Mortgage Tree Capital together with our experienced loan officers, are all ready to serve you today.

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At Mortgage Tree Capital, we pride ourselves on providing prompt and personalized service. We’ll get you the answers you need fast, whether you’re contacting us in person, using our state-of-the-art website to Pre-Qualify, or getting official loan answers to your questions.

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License(s)
California Bureau of Real Estate Corporation Number 02067322 | National Mortgage Licensing System Registry Number 1784179. Offers and promotions are not a promise or guarantee to lend and are subject to change without notice.

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Consumer Credit Scores vs Mortgage Scores

Published July 13, 2022July 13, 2022 by mortgagetree

Do you ever wonder why your “consumer credit score” is different then their “mortgage credit score”? Or ever wonder why is my online score is really high? This informational graph can help answer those questions.

FICO® Score 8 And FICO® Score, They Are Not The Same Thing…

Published December 7, 2015March 13, 2018 by mortgagetree

FICO® Score 8 And FICO® Score, They Are Not The Same Thing

If you’ve ever gotten a FICO credit score, you might recall that FICO scores range from 300 to 850.Many people are aware that the FICO credit score is the trusted standard, but did you know there are different versions of the FICO score? Many creditors are now using the FICO® Score 8 model which in almost all cases increases the borrower’s credit score substantially. A challenge that many are now finding is understanding which creditor is using the model to where the borrower has the best score or are you correcting items on your credit that are omitted with the new FICO® Score 8 program.

How is FICO® Score 8 different from previous versions?

While the underlying foundation of FICO® Score 8 is consistent with previous versions, there are several unique features that make FICO® Score 8 a more predictive score:

High credit card usage

While all FICO® Score versions consider high credit card utilization to be reflective of higher risk, FICO® Score 8 is more sensitive to highly utilized credit cards. So if a credit report shows a high balance close to the card’s limit, FICO® Score 8 will likely be more impacted than a previous score version.

Keeping credit card balance low can help maintain or improve the score.

Isolated late payments

If a lender reports to the credit bureau that you were at least 30 days late with your payment, it will likely result in a loss of points with all FICO® Score versions. If the late payment is an isolated event and other accounts are in good standing, FICO® Score 8 is more forgiving compared with previous FICO® Score versions.

However, if the credit report shows numerous late payments, the reverse is true and FICO® Score 8 will likely lose more points.

Authorized user of credit card

All FICO® Score versions include authorized user credit card accounts when calculating a score. This can help people benefit from their shared management of a credit card account. It also helps lenders by providing scores that are based on a full snapshot of the consumer’s credit history.

To protect lenders and honest consumers, FICO® Score 8 substantially reduces any benefit of so-called tradeline renting. That’s a credit repair practice that entices consumers into being added to a stranger’s credit account in order to misrepresent their credit risk to lenders.

Small-balance collections accounts

FICO® Score 8 ignores small-dollar “nuisance” collection accounts in which the original balance was less than $100.

Forget Your Credit Score, It’s Your Debt!

Published October 27, 2015March 13, 2018 by mortgagetree

Forget Your Credit Score, It’s Your Debt!

As a nation we obsess over credit scores. Once hidden in the computer terminals of banks, they’re now freely available to you via many providers on the Internet. But in reality, getting a loan takes into account much more than just your score. And nowhere is that more clear than when you try to get a mortgage or refinance an existing one. The process is usually murky, but a recent survey of loan officers by FICO sheds some light on what really matters. The survey asked what factor would make a loan officer most hesitant to approve a mortgage, and the number one answer took the lead by a wide margin:

High debt-to-income ratio 59%
Multiple recent applications 13%
Low FICO score 10%
Frequent job changes 9%
Lack of savings 8%

Debt to income is the biggest thing mortgage lenders look at, much more than your FICO score itself. Why is debt to income a bigger factor than your score? Nothing is more important than being able to afford a loan. What you pay every month toward your house and other obligations compared to what you earn is the most important factor. A FICO score only tells whether you are a reliable payer, not whether you can afford a house. The loan officer can look past a less than perfect FICO score if you’re buying a house you can truly afford. Being able to afford a house means keeping your debt to income below 36 percent when counting all of your monthly debt obligations, including credit cards, car loans, student loans, and your housing expenses. Officially, conforming loans can be had with debt to income ratios as high as 45 percent or so, but that’s cutting it close unless you have substantial savings or bonuses that don’t get counted in the income calculation. But really, you shouldn’t be going any higher than approximately 35 percent. Think about it this way. If you’re pulling in $5,000 a month before taxes, a 45 percent debt to income ratio leaves you just $500 in cash a month for the rest of your life expenses after you get taxes taken out. Yes, you get a tax benefit at the end of the year for deducting interest, but the reality is you’re house poor, even with a perfect credit score. At 35 percent you’ll have $1,500 a month in cash for your life. The difference between 35 percent and 45 percent doesn’t sound like much on paper, but in cash for you it’s almost 3 times more a month. Do this math at least three times before deciding how much of a mortgage you can really afford. Just because you qualify doesn’t mean you will want to live with it. Will a better score help at all? Your credit score can help some, but don’t expect a lot of relief. Here is a national sample of mortgage rates by FICO score at the time of this article collected by Informa Research Services on behalf of FICO:

760- 850: 3.785% $1,860 / month
700-759: 4.007% $1,911 / month
680-699: 4.184% $1,952 / month
660-679: 4.398% $2,003 / month
640-659: 4.828% $2,105 / month
620-639: 5.374% $2,240 / month

The difference between a marginal excellent credit score (700-759) and a truly excellent one (760+) is about $50 a month on a $400,000 mortgage. That’s $600 a year, and $18,000 over the life of the mortgage. The key here: Be careful about what other credit you apply for before you apply for a mortgage. Loan officers don’t want to see a lot of recent credit applications, and each one can temporarily ding your score five or 10 points. So if you’re on the borderline of 760, 700, or 680, it’s best to avoid opening any new credit accounts for about 6 months before a mortgage. Otherwise a couple of cards could end up costing you $18,000 in extra payments on your mortgage. And if you have a borderline score, pay as much debt off as you can before applying. It will help your debt to income ratio, and improve your score. Just make sure you do it at least a month before applying, as banks typically report data to the credit bureaus only once a month. Bottom line: you don’t need a perfect FICO to qualify for a mortgage, or even get a fair rate. But you do need to be looking for a home you can truly afford based on your income. While you may qualify for a bigger, better house than you thought, it doesn’t mean you’ll be able to afford your current lifestyle with that bigger payment. Contributor, Brian Karimzad of Magnify Money

Down Payment Assistance Programs

Published August 26, 2015March 13, 2018 by mortgagetree

Down Payment Assistance Programs

The days of easy credit mortgage loans might be a thing for the history books, but potential homebuyers can still get mortgages with little to no money down if they know where to look. We have compiled a list of programs available to California residents and separated by county, Get pre-approved today!

Alameda County – homebuyer programs

Alameda County

City of Oakland Housing and Community Development

Amador County – homebuyer programs

Amador County

Fresno County – homebuyer programs

Fresno County Housing Programs

Kern County – homebuyer programs

Kern County – housing, development and rehabilitation opportunities

Self-Help Enterprises – local homebuyer programs

Kings County – homebuyer programs

Self-Help Enterprises – local homebuyer programs

Merced County – homebuyer programs

Merced County – first-time buyers and housing rehabilitation programs

Self-Help Enterprises – local homebuyer programs

Monterey County – homebuyer programs

Monterey County – first-time homebuyer down payment assistance programs

Orange County – homebuyer programs

Orange County Affordable Homeownership Programs

Placer County

Placer County – first-time homebuyer program

Riverside County – homebuyer programs

Riverside County – homeownership opportunities for first time, low-, and very low-income buyers

Sacramento County – homebuyer programs

California Housing Finance Agency

City of Elk Grove Homebuyer Assistance Program

National Homebuying Fund DP Asst.

Sacramento Housing & Redevelopment Agency

Sacramento Neighborworks Housing Service – (916) 452-5356

San Bernardino County – housing development homeownership assistance program

San Diego County – homebuyer programs

San Diego County – home purchasing assistance

San Diego County – supplemental Information Guide in English

San Francisco County – homebuyer programs

Mayor’s Office of Housing

San Joaquin County – homebuyer programs

San Joaquin County – Down Payment Assistance Program

San Mateo County – homebuyer programs

San Mateo County

Shasta County – homebuyer programs

Shasta County Down Payment Assistance Program

Stanislaus County – homebuyer programs

Stanislaus County

Tuolumne County – homebuyer programs

Tuolumne County Homebuyer Program

Yuba County – homebuyer programs

Yuba County – first-time homebuyer programs

Order Your Tax Transcripts Online

Published June 14, 2015 by mortgagetree

To expedite the mortgage loan process you can order your tax transcripts online directly from the IRS. Although ordering your tax transcripts online allow us to continue underwriting your mortgage loan without delay, we still will need to wait until we receive your copy directly from the IRS before we can close on your home mortgage loan. To order your tax transcripts online Click Here!

HUD Approved Housing Counseling Agencies

Published June 8, 2015March 13, 2018 by mortgagetree

HUD Approved Housing Counseling Agencies

HUD sponsors housing counseling agencies throughout California that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues and this page provides a list of agencies.

Agencies located in CALIFORNIA

Agency Name:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Phone:	714-547-2227
Toll Free:	866-784-2227
Fax:	714-245-1690
Email:	cccsoc@cccsoc.org
Address:	2450 E. Lincoln Inside EDD Building ANAHEIM, California 92806-4272
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– ASL – English – Spanish – Vietnamese
Affiliation:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Website:	http://www.cccsoc.org/

Agency Name:	COMMUNITY HOUSING COUNCIL OF KERN CO.
Phone:	661-616-1360
Toll Free:
Fax:	866-213-8464
Email:	Norma@chcfresno.org
Address:	1430 Truxton Ave, 5th Floor BAKERSFIELD, California 93301-5243
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English
Affiliation:	COMMUNITY HOUSING COUNCIL OF FRESNO
Website:	n/a

Agency Name:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Phone:	714-547-2227
Toll Free:	866-784-2227
Fax:	714-245-1680
Email:	cccsoc@cccsoc.org
Address:	695 Madison Way Inside Brea Community Center BREA, California 92821-5741
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– ASL – English – Spanish – Vietnamese
Affiliation:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Website:	http://www.cccsoc.org

Agency Name:	KOREAN RESOURCE CENTER
Phone:	714-869-7624
Toll Free:
Fax:
Email:	yoonheejoo@krcla.org
Address:	6301 Beach Blvd. #211 BUENA PARK, California 90621-4030
Counseling Services:	– Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Rental Housing Counseling – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Korean
Affiliation:	KOREAN RESOURCE CENTER
Website:	www.krcla.org

Agency Name:	SUREPATH FINANCIAL SOLUTIONS
Phone:	805-383-7700
Toll Free:	877-615-7873
Fax:	805-383-7722
Email:	clientservices@surepath.org
Address:	80 N Wood Rd Ste 200 Camarillo, CA 93010 Camarillo, California 93010-8311
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Reverse Mortgage Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL FOUNDATION FOR CREDIT COUNSELING, INC.
Website:	http://www.surepath.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – COMMERCE BRANCH
Phone:	877-877-1995
Toll Free:	800-750-2227
Fax:	855-782-8307
Email:	customer.service@clearpointccs.org
Address:	6055 E Washington Blvd SUITE 390 – – Commerce, California 90040-2449
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	CATHOLIC CHARITIES OF THE EAST BAY
Phone:	925-771-8250
Toll Free:
Fax:	510-451-6998
Email:	ebollini@cceb.org
Address:	3540 Chestnut Avenue CONCORD, California 94519-2417
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	CATHOLIC CHARITIES USA
Website:	www.cceb.org

Agency Name:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Phone:	925-682-8248-2600
Toll Free:	855-275-3246
Fax:
Email:
Address:	1760 Clayton Road CONCORD, California 94520-2700
Counseling Services:	– Services for Homeless Counseling
Languages:	– English
Affiliation:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Website:	www.echofairhousing.org

Agency Name:	NATIONAL ASIAN AMERICAN COALITION (FORMERLY KNOWN AS MABUHAY ALLIANCE)
Phone:	650-952-0522
Toll Free:	800-920-6248
Fax:	650-952-0522
Email:	info@naac.org
Address:	15 Southgate Ave Suite 200 DALY CITY, California 94015-1413
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English
Affiliation:	NATIONAL ASIAN AMERICAN COALITION (FORMERLY KNOWN AS MABUHAY ALLIANCE)
Website:	www.naac.org

Agency Name:	ABLE WORKS
Phone:	650-328-1890-103
Toll Free:
Fax:	650-328-1854
Email:	john@able.is
Address:	1836 Bay Road Suite B EAST PALO ALTO, California 94303-1311
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:	NUEVA ESPERANZA, INC.
Website:	n/a

Agency Name:	SPRINGBOARD-EL CAJON
Phone:	855-736-7784
Toll Free:	855-736-7784
Fax:
Email:	info@homeownership.org
Address:	1150 Broadway, Suite 235 EL CAJON, California 92021-4859
Counseling Services:	– Financial, Budgeting, and Credit Workshops
Languages:	– English – Other – Spanish
Affiliation:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Website:	www.homeownership.org

Agency Name:	INLAND FAIR HOUSING AND MEDIATION BOARD – EL CENTRO BRANCH (IMPERIAL COUNTY)
Phone:	760-482-5773
Toll Free:	800-321-0911
Fax:	760-482-5914
Email:	landerson@ifhmb.com
Address:	444 S. 8th St., Suite C-1A EL CENTRO, California 92243-3236
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	INLAND FAIR HOUSING AND MEDIATION BOARD
Website:	n/a

Agency Name:	COMMUNITY HOUSING WORKS
Phone:	760-432-6878
Toll Free:	888-884-4249
Fax:	760-432-6883
Email:	classes&coaching@chworks.org
Address:	1820 S. Escondido Blvd., Suite 101 ESCONDIDO, California 92025-6535
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	COMMUNITY HOUSING WORKS
Website:	http://www.chworks.org

Agency Name:	PACIFIC COMMUNITY SERVICES FAIRFIELD
Phone:	925-439-1056
Toll Free:	800-914-6874
Fax:	925-439-0831
Email:
Address:	1125 Missouri St., Ste. 212 FAIRFIELD, California 94533-6000
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– English
Affiliation:	PACIFIC COMMUNITY SERVICES, INC.
Website:	n/a

Agency Name:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Phone:	714-547-2227
Toll Free:	866-784-2227
Fax:	714-245-1690
Email:	cccsoc@cccsoc.org
Address:	18430 Brookhurst St., Suite 202C Valley Gardens Center Executive Suites FOUNTAIN VALLEY, California 92708-6760
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– ASL – English – Spanish – Vietnamese
Affiliation:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Website:	www.cccsoc.org

Agency Name:	MONEY MANAGEMENT INTERNATIONAL FREMONT
Phone:	866-232-9080
Toll Free:	866-232-9080
Fax:	866-921-5129
Email:	counselinginfo@moneymanagement.org
Address:	3100 Mowry Ave Ste 403A Fremont, California 94538-1528
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	MONEY MANAGEMENT INTERNATIONAL INC.
Website:	http://www.moneymanagement.org

Agency Name:	PROJECT SENTINEL
Phone:	510-574-2270
Toll Free:	888-331-3332
Fax:	510-574-2275
Email:	fremont@housing.org
Address:	39155 Liberty Street Suite D440 FREMONT, California 94538-1520
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	PROJECT SENTINEL
Website:	http://www.housing.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS INC. – FRESNO BRANCH
Phone:	877-877-1995
Toll Free:	559-454-1700
Fax:	855-552-7056
Email:	customer.service@clearpointccs.org
Address:	4969 E McKinley Ave SUITE 107 – – Fresno, California 93727-1968
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	COMMUNITY HOUSING COUNCIL OF FRESNO
Phone:	559-221-6919
Toll Free:
Fax:	559-256-1564
Email:	info@chcfresno.org
Address:	2560 W. Shaw Lane, Ste. 101 FRESNO, California 93711-2777
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Hmong – Spanish
Affiliation:
Website:	http://www.chcfresno.org

Agency Name:	PROJECT SENTINEL
Phone:	408-842-7740
Toll Free:	888-331-3332
Fax:	408-842-8054
Email:	gilroy@housing.org
Address:	7800 Arroyo Circle, Bldg A GILROY, California 95020-7346
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	PROJECT SENTINEL
Website:	http://www.housing.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – GLENDALE BRANCH
Phone:	877-877-1995
Toll Free:	323-890-9500
Fax:	855-817-9919
Email:	customer.service@clearpointccs.org
Address:	200 N Maryland Ave Ste 102 – – – Glendale, California 91206-4275
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – GRANADA HILLS BRANCH
Phone:	877-877-1995
Toll Free:	323-890-9500
Fax:	855-255-6732
Email:	customer.service@clearpointccs.org
Address:	16800 Devonshire St SUITE 301 – – Granada Hills, California 91344-7403
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) LOS ANGELES, CA
Phone:	310-412-2600
Toll Free:	617-250-6222
Fax:	877-329-6222
Email:	N/A
Address:	11633 Hawthorne Blvd Ste 100 Hawthorne, California 90250-2369
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD STABILIZATION CORPORATION (NACA COUNSELING SUBSIDIARY)
Website:	https://www.naca.com

Agency Name:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Phone:	510-581-9380
Toll Free:	855-275-3246
Fax:	510-537-4793
Email:	margie@echofairhousing.org
Address:	770 A St Hayward, California 94541-3956
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– ASL – Cantonese – Chinese Mandarin – English – Farsi – Other – Portuguese – Spanish – Vietnamese
Affiliation:
Website:	http://www.echofairhousing.org

Agency Name:	SPRINGBOARD- HEMET
Phone:	855-736-7782
Toll Free:	855-736-7782
Fax:
Email:	info@homeownership.org
Address:	1555 West Florida Avenue HEMET, California 92543-3814
Counseling Services:	– Reverse Mortgage Counseling
Languages:	– English – Other – Spanish
Affiliation:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Website:	www.homeownership.org

Agency Name:	INLAND FAIR HOUSING AND MEDIATION BOARD – INDIO BRANCH (RIVERSIDE COUNTY)
Phone:	760-775-3151
Toll Free:	800-321-0911
Fax:
Email:	landerson@ifhmb.com
Address:	45-110 Oasis St. INDIO, California 92201-4334
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	INLAND FAIR HOUSING AND MEDIATION BOARD
Website:	n/a

Agency Name:	AMADOR TUOLUMNE COMMUNITY ACTION AGENCY
Phone:	209-533-1397-231
Toll Free:
Fax:	209-533-1034
Email:	slay@atcaa.org
Address:	935 S. Hwy 49 Jackson, California 95642
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– ASL – English – Spanish
Affiliation:
Website:	n/a

Agency Name:	SPRINGBOARD – LADERA
Phone:	800-449-9392
Toll Free:
Fax:
Email:	info@homeownership.org
Address:	555 Corporate Dr Ste. 110 LADERA RANCH, California 92694-2169
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling
Languages:	– English
Affiliation:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Website:	homeownership.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – LAKEWOOD BRANCH
Phone:	877-877-1995
Toll Free:	877-877-1995
Fax:	855-803-0216
Email:	customer.service@clearpointccs.org
Address:	4010 Watson Plaza Dr – – – LAKEWOOD, California 90712-4037
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Other
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	PURE HEARTS R US HOUSING CORPORATION
Phone:	661-361-1172
Toll Free:	844-581-7873
Fax:	661-361-1179
Email:	lawphrus@pureheartsrus.org
Address:	1051 W. Columbia Way Suite 208 LANCASTER, California 93534-8156
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:	HOMEFREE – U S A
Website:	www.pureheartsrus.org

Agency Name:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Phone:	925-449-7340
Toll Free:
Fax:	925-449-0704
Email:	arlene@echofairhousing.org
Address:	3311 Pacific Avenue LIVERMORE, California 94550-7007
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– Arabic – Cambodian – Cantonese – Chinese Mandarin – Czech – English – French – Hindi – Indonesian – Korean – Polish – Portuguese – Russian – Spanish – Turkish – Vietnamese
Affiliation:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Website:	http://www.echofairhousing.org

Agency Name:	TRI-VALLEY HOUSING OPPORTUNITY CENTER
Phone:	925-373-3130-301
Toll Free:
Fax:	925-373-3133
Email:	info@tvhoc.org
Address:	141 N. Livermore Avenue Suite A LIVERMORE, California 94550-3118
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	www.tvhoc.org

Agency Name:	FAIR HOUSING FOUNDATION
Phone:
Toll Free:	800-826-1502
Fax:
Email:
Address:	3605 Long Beach Blvd, #302 LONG BEACH, California 90807-4025
Counseling Services:	– Rental Housing Counseling – Rental Housing Workshops
Languages:	– English
Affiliation:	HOUSING OPPORTUNITIES COLLABORATIVE
Website:	n/a

Agency Name:	HOME PRESERVATION AND PREVENTION (HPP CARES)
Phone:	562-424-4477
Toll Free:
Fax:	562-424-4471
Email:	info@hppcares.org
Address:	3939 LONG BEACH BLVD LONG BEACH, California 90807-2614
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English
Affiliation:
Website:	www.hppcares.org

Agency Name:	OPERATION HOPE INC. – LONG BEACH BRANCH
Phone:	562-218-5011
Toll Free:
Fax:
Email:	rolando.rivero@operationhope.org
Address:	1900 Atlantic Ave Long Beach, California 90806-5502
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	SPRINGBOARD- LONG BEACH
Phone:	855-736-7783
Toll Free:	855-736-7783
Fax:
Email:	info@homeownership.org
Address:	111 W. Ocean Blvd Ste. 400 LONG BEACH, California 90802-4633
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling
Languages:	– English – Other – Spanish
Affiliation:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Website:	www.homeownership.org

Agency Name:	EAST LA COMMUNITY CORPORATION (ELACC)
Phone:	323-269-4214
Toll Free:
Fax:	323-261-1065
Email:	drodriguez@elacc.org
Address:	530 South Boyle Avenue LOS ANGELES, California 90033-3817
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	http://www.elacc.org

Agency Name:	KOREAN CHURCHES FOR COMMUNITY DEVELOPMENT
Phone:	213-985-1500
Toll Free:
Fax:
Email:	hca@kccd3300.org
Address:	3550 Wilshire Blvd, Suite 736 LOS ANGELES, California 90010-2426
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Korean – Spanish
Affiliation:	HOMEFREE – U S A
Website:	http://www.kccd.org

Agency Name:	KOREAN RESOURCE CENTER
Phone:	323-937-3718-114
Toll Free:
Fax:
Email:	yoonheejoo@krcla.org
Address:	900 S. Crenshaw Blvd LOS ANGELES, California 90019-1937
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Rental Housing Counseling – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Korean
Affiliation:	NATIONAL CAPACD
Website:	http://www.krcla.org

Agency Name:	LOS ANGELES NEIGHBORHOOD HOUSING SERVICES, INC
Phone:	213-381-2862
Toll Free:	888-895-2862
Fax:	213-381-2103
Email:	counseling@lanhs.org
Address:	3926 Wilshire Blvd Ste 200 Los Angeles, California 90010-3303
Counseling Services:	– Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.nhslacounty.org/

Agency Name:	NEW ECONOMICS FOR WOMEN
Phone:	213-977-1089
Toll Free:
Fax:	213-977-1165
Email:	rpapazian@neworg.us
Address:	421 South Bixel Street Suite A LOS ANGELES, California 90017-1428
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	http://www.neweconomicsforwomen.org

Agency Name:	NID-HCA REEVES
Phone:	323-299-4067
Toll Free:
Fax:
Email:	N/A
Address:	4602 Crenshaw Blvd Ste 2A Los Angeles, California 90043-1210
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://site.notavailable.org

Agency Name:	OPERATION HOPE, INC
Phone:	213-891-2900
Toll Free:
Fax:
Email:	rolando.rivero@operationhope.org
Address:	707 Wilshire Blvd Suite 3030 LOS ANGELES, California 90017-3582
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.operationhope.org

Agency Name:	OPERATION HOPE, INC. – LA BRANCH
Phone:	213-891-2900
Toll Free:
Fax:
Email:	N/A
Address:	707 Wilshire Blvd Ste 3030 Los Angeles, California 90017-3582
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling
Languages:	– English
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	SHALOM CENTER FOR T.R.E.E. OF LIFE
Phone:	213-380-3700
Toll Free:
Fax:	213-380-3701
Email:	jeelee@shalomcenter.net
Address:	2975 Wilshire Blvd Suite 415 LOS ANGELES, California 90010-1112
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– English – Korean
Affiliation:	HOMEFREE – U S A
Website:	www.shalomcenter.net

Agency Name:	THAI COMMUNITY DEVELOPMENT CORP.
Phone:	323-468-2555
Toll Free:
Fax:	323-461-4488
Email:	chancee@thaicdc.org
Address:	6376 Yucca Street, Suite B LOS ANGELES, California 90028-5037
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Other
Affiliation:	NATIONAL CAPACD
Website:	www.thaicdc.org

Agency Name:	WATTS CENTURY LATINO ORG.
Phone:	323-564-9140
Toll Free:
Fax:	323-564-2737
Email:	aybarra@wacelo.org
Address:	10360 Wilmington Ave LOS ANGELES, California 90002-3701
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	http://www.wattscenturylatino.org

Agency Name:	WEST ANGELES COMMUNITY DEVELOPMENT CORP.
Phone:	323-751-3440-13
Toll Free:
Fax:	323-751-7631
Email:	cpatton@westangelescdc.org
Address:	6028 Crenshaw Blvd. LOS ANGELES, California 90043-3904
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	HOMEFREE – U S A
Website:	http://www.westangelescdc.org

Agency Name:	OPERATION HOPE, INC. – MAYWOOD BRANCH
Phone:	323-771-6126
Toll Free:
Fax:
Email:	N/A
Address:	4449 Slauson Ave Maywood, California 90270-2943
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	COMMUNITY HOUSING AND SHELTER SERVICES
Phone:	209-527-0444
Toll Free:
Fax:	209-575-9818
Email:
Address:	708 H Street, Ste. B MODESTO, California 95354-3436
Counseling Services:	– Financial Management/Budget Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:
Website:

Agency Name:	HABITAT FOR HUMANITY, STANISLAUS COUNTY
Phone:	209-575-4585
Toll Free:
Fax:	209-575-0755
Email:	jhill@stanislaushabitat.org
Address:	630 Kearney Avenue MODESTO, California 95350-5714
Counseling Services:	– Financial Management/Budget Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	www.stanislaushabitat.org

Agency Name:	PROJECT SENTINEL
Phone:	209-236-1577
Toll Free:	888-331-3332
Fax:	209-236-1578
Email:	solutions@stanislausmediation.org
Address:	1409 H Street MODESTO, California 95354-2531
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	PROJECT SENTINEL
Website:	http://www.housing.org

Agency Name:	MONTEBELLO HOUSING DEVELOPMENT CORP.
Phone:	323-722-3955
Toll Free:
Fax:	323-722-6209
Email:	vmorales@mhdcca.org
Address:	1619 Paramount Blvd MONTEBELLO, California 90640-2133
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	ww.mhdcca.org

Agency Name:	FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC.
Phone:	951-653-8314
Toll Free:
Fax:	951-653-1884
Email:	fhcrc@fairhousing.net
Address:	23890 Allessandro Blvd Suite A-1 MORENO VALLEY, California 92553-8801
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC
Website:	http://www.fairhousing.net

Agency Name:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Phone:	510-581-9380
Toll Free:
Fax:	510-763-3736
Email:	cherisse@echofairhousing.org
Address:	1305 Franklin St Ste 305 OAKLAND, California 94612-3222
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– Cantonese – Chinese Mandarin – English – Other – Portuguese – Spanish – Vietnamese
Affiliation:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Website:	http://www.echofairhousing.org

Agency Name:	HABITAT FOR HUMANITY EAST BAY/SILICON VALLEY
Phone:	510-251-6304
Toll Free:
Fax:
Email:	N/A
Address:	2619 Broadway Oakland, California 94612-3107
Counseling Services:	– Financial, Budgeting, and Credit Workshops – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling
Languages:	– ASL – Cantonese – English – Spanish
Affiliation:
Website:	http://www.HabitatEBSV.org

Agency Name:	MONEY MANAGEMENT INTERNATIONAL OAKLAND
Phone:	866-232-9080
Toll Free:	866-232-9080
Fax:	866-921-5129
Email:	counselinginfo@moneymanagement.org
Address:	7677 Oakport St Ste 1130 Oakland, California 94621-1912
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	MONEY MANAGEMENT INTERNATIONAL INC.
Website:	http://www.moneymanagement.org

Agency Name:	NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) OAKLAND, CA
Phone:	510-652-6622
Toll Free:	617-250-6222
Fax:	877-329-6222
Email:	N/A
Address:	3805 Broadway Oakland, California 94611-5635
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD STABILIZATION CORPORATION (NACA COUNSELING SUBSIDIARY)
Website:	https://www.naca.com

Agency Name:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Phone:	510-268-9792
Toll Free:
Fax:	510-268-8776
Email:	Latishacarlisle@nidonline.org
Address:	7677 OakPort Street, Suite 1030, 10th Fl OAKLAND, California 94621-1929
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– Cantonese – English – Spanish
Affiliation:
Website:	http://www.nidonline.org

Agency Name:	NID-HCA OAKLAND MAIN BRANCH
Phone:	510-268-9792
Toll Free:
Fax:
Email:	nidnational@nidonline.org
Address:	7677 Oakport Street, Suite 1030 OAKLAND, California 94621-1929
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://www.nidonline.org

Agency Name:	OPERATION HOPE, INC – OAKLAND BRANCH
Phone:	510-535-6700
Toll Free:
Fax:
Email:	N/A
Address:	3062 E 9th St Oakland, California 94601-2937
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	THE SPANISH SPEAKING UNITY COUNCIL OF ALAMEDA COUNTY, INC. (THE UNITY COUNCIL)
Phone:	510-535-6943
Toll Free:
Fax:
Email:	N/A
Address:	1900 Fruitvale Ave Ste 2A Oakland, California 94601-2468
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.unitycouncil.org

Agency Name:	FAITH BASED COMMUNITY DEVELOPMENT CORPORATION
Phone:	760-435-0600
Toll Free:
Fax:	760-435-9025
Email:	fbcdc@yahoo.com
Address:	2424 Vista Way Ste 106 Oceanside, California 92054-6178
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL FEDERATION OF COMMUNITY DEVELOPMENT CREDIT UNIONS
Website:	http://www.fbcdc.org

Agency Name:	MONEY MANAGEMENT INTERNATIONAL OCEANSIDE
Phone:	866-232-9080
Toll Free:	866-232-9080
Fax:	866-921-5129
Email:	counselinginfo@moneymanagement.org
Address:	1949 Avenida Del Oro Ste 106 Oceanside, California 92056-5829
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	MONEY MANAGEMENT INTERNATIONAL INC.
Website:	http://www.moneymanagement.org

Agency Name:	INLAND FAIR HOUSING AND MEDIATION BOARD
Phone:	909-984-2254
Toll Free:	800-321-0911
Fax:	909-460-0274
Email:	info@ifhmb.com
Address:	1500 S Haven Ave Ste 100 Ontario, California 91761-2970
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL COMMUNITY REINVESTMENT COALITION, INC.
Website:	http://www.ifhmb.com

Agency Name:	NEIGHBORHOOD HOUSING SERVICES OF ORANGE COUNTY
Phone:	714-490-1250
Toll Free:
Fax:
Email:	N/A
Address:	128 E Katella Ave Ste 200 Orange, California 92867-4850
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish – Vietnamese
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.nwoc.org

Agency Name:	VENTURA COUNTY COMMUNITY DEVELOPMENT CORPORATON
Phone:	805-273-7800
Toll Free:
Fax:	805-604-1359
Email:	contactus@vccdc.org
Address:	2231 Sturgis Road, Suite A OXNARD, California 93030-7813
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	RURAL COMMUNITY ASSISTANCE CORPORATION
Website:	www.vccdc.org

Agency Name:	FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC.
Phone:	760-864-1541
Toll Free:	800-655-1541
Fax:	951-682-0262
Email:	fhcrc@fairhousing.net
Address:	655 North Palm Canyon Drive Suite 202 PALM SPRINGS, California 92262-5529
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC
Website:	http://www.fairhousing.net

Agency Name:	NID-HCA PALMDALE
Phone:	661-526-4013
Toll Free:
Fax:
Email:
Address:	520 W. Palmdale Blvd, Suite J PALMDALE, California 93551-4230
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– English
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://www.nidonline.org

Agency Name:	EDEN COUNCIL FOR HOPE AND OPPORTUNTIY (ECHO)
Phone:	650-327-1718
Toll Free:
Fax:
Email:	echoangie@yahoo.com
Address:	475 Kingsley Ave PALO ALTO, California 94301-3222
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops
Languages:	– Cantonese – Chinese Mandarin – English – Other – Portuguese – Spanish – Vietnamese
Affiliation:	EDEN COUNCIL FOR HOPE AND OPPORTUNITY (ECHO)
Website:	http://www.echofairhousing.org

Agency Name:	PACIFIC COMMUNITY SERVICES, INC.
Phone:	925-439-1056
Toll Free:	800-914-6874
Fax:	925-439-0831
Email:	tomlf@earthlink.net
Address:	329 Railroad Avenue PITTSBURG, California 94565-2245
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Other – Spanish
Affiliation:
Website:	http://www.pcsi.org

Agency Name:	OPERATION HOPE, INC. – POWAY BRANCH
Phone:	866-270-2583
Toll Free:
Fax:
Email:	N/A
Address:	12395 First American Way Fl 2 Poway, California 92064-6897
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling
Languages:	– English – Spanish
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	HOMETOWN COMMUNITY DEVELOPMENT CORP, DBA HOMESTRONG USA
Phone:	877-647-8764
Toll Free:	909-758-8973
Fax:	909-945-3265
Email:	info@homestrongusa.org
Address:	8711 Monroe Ct Suite A Rancho Cucamonga, CA 91730 www.homestrongusa.org Rancho Cucamonga, California 91730-4898
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.homestrongusa.org

Agency Name:	HOUSING OPPORTUNITIES COLLABORATIVE – INLAND EMPIRE BRANCH
Phone:
Toll Free:	800-826-1502
Fax:
Email:	info.ie@housingcollaborative.org
Address:	8711 Monroe Court, Suite A RANCHO CUCAMONGA, California 91730-4898
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:	HOUSING OPPORTUNITIES COLLABORATIVE
Website:	www.HousingCollaborative.org

Agency Name:	NEIGHBORHOOD PARTNERSHIP HOUSING SERVICES, INC.
Phone:	909-988-5979
Toll Free:
Fax:	909-467-0120
Email:	carlos@nphsinc.org
Address:	9551 Pittsburgh Avenue RANCHO CUCAMONGA, California 91730-6008
Counseling Services:	– Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Other – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://nphsinc.org

Agency Name:	COMMUNITY HOUSING DEVELOPMENT CORPORATION OF NORTH RICHMOND
Phone:	510-412-9290
Toll Free:
Fax:
Email:	N/A
Address:	1535A Fred Jackson Way # A Richmond, California 94801-1516
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.chdcnr.com

Agency Name:	RICHMOND NEIGHBORHOOD HOUSING SERVICES, INCO
Phone:	510-237-6459-10
Toll Free:
Fax:	510-237-6482
Email:	info@eastbaynhs.org
Address:	2320 Cutting Blvd. RICHMOND, California 94804-2842
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.eastbaynhs.org

Agency Name:	COMMUNITY CONNECT
Phone:	951-686-4402
Toll Free:
Fax:	951-686-7417
Email:	mercedes@connectriverside.org
Address:	2060 University Avenue Suite 212 RIVERSIDE, California 92507-5210
Counseling Services:	– Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	MON VALLEY INITIATIVE
Website:	www.connectriverside.org/

Agency Name:	FAIR HOUSING COUNCIL OF RIVERSIDE COUNTY, INC
Phone:	800-655-1812
Toll Free:	800-655-1812
Fax:	951-682-0262
Email:	fhcrc@fairhousing.net
Address:	3933 Mission Inn Ave RIVERSIDE, California 92501-3219
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:
Website:	http://www.fairhousing.net

Agency Name:	SPRINGBOARD – SHINE CENTER (LATHAM)
Phone:	800-947-3752
Toll Free:	800-947-3752
Fax:	951-328-7728
Email:	info@homeownership.org
Address:	S.H.I.N.E. Center – 4351 Latham Street RIVERSIDE, California 92501-1749
Counseling Services:	– Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Reverse Mortgage Counseling
Languages:	– English – Other – Spanish
Affiliation:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Website:	www.homeownership.org

Agency Name:	SPRINGBOARD NON PROFIT CONSUMER CREDIT MANAGEMENT INC – HPF AFFILIATE
Phone:	800-947-3752
Toll Free:	800-947-3752
Fax:	951-328-7728
Email:	info@homeownership.org
Address:	4351 Latham St RIVERSIDE, California 92501-1749
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling
Languages:	– English – Spanish
Affiliation:	HOMEOWNERSHIP PRESERVATION FOUNDATION
Website:	http://www.homeownership.org

Agency Name:	SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT, INC
Phone:	800-947-3752
Toll Free:	800-947-3752
Fax:	951-328-7728
Email:	info@homeownership.org
Address:	4351 Latham St RIVERSIDE, California 92501-1749
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Other – Spanish
Affiliation:
Website:	http://www.homeownership.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – SACRAMENTO BRANCH
Phone:	877-877-1995
Toll Free:	323-890-9500
Fax:	855-893-4311
Email:	customer.service@clearpointccs.org
Address:	1750 Howe Ave Ste 125 – – – Sacramento, California 95825-3368
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	SACRAMENTO HOME LOAN COUNSELING CENTER
Phone:	916-646-2005
Toll Free:
Fax:	916-646-2006
Email:	demetra@hlcc.net
Address:	4640 Northgate Blvd Ste 185 SACRAMENTO, California 95834-1143
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	http://www.hlcc.net

Agency Name:	SACRAMENTO NEIGHBORHOOD HOUSING SERVICES, INC
Phone:	916-452-5356
Toll Free:
Fax:
Email:	N/A
Address:	2400 Alhambra Blvd. SACRAMENTO, California 95817-1125
Counseling Services:	– Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– ASL – English – Russian – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.nwsac.org

Agency Name:	HOUSING RESOURCE CENTER OF MONTEREY COUNTY
Phone:	831-424-9186
Toll Free:
Fax:	831-757-7184
Email:	Leadcounselor@hrcmc.org
Address:	134 E Rossi St SALINAS, California 93901-2869
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops
Languages:	– English – German – Spanish
Affiliation:
Website:	http://www.HRCMontereyCounty.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – SAN BERNARDINO BRANCH
Phone:	877-877-1995
Toll Free:	800-750-2227
Fax:	855-544-7038
Email:	customer.service@clearpointccs.org
Address:	242 E Airport Dr Ste 210 – – – San Bernardino, California 92408-3450
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	NEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE, INC.
Phone:	909-884-6891
Toll Free:
Fax:
Email:	N/A
Address:	1390 N D St San Bernardino, California 92405-4737
Counseling Services:	– Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.nhsie.org

Agency Name:	NID-HCA INLAND EMPIRE J. JACKSON
Phone:	909-887-8700
Toll Free:
Fax:
Email:	N/A
Address:	2050 N Mount Vernon Ave San Bernardino, California 92411-1436
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://www.nidonline.org

Agency Name:	BAYSIDE COMMUNITY CENTER
Phone:	858-278-0771-3008
Toll Free:
Fax:	858-278-6193
Email:	jdelrio@baysidecc.org
Address:	2202 Comstock Street SAN DIEGO, California 92111-6502
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:
Website:	www.baysidecc.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – SAN DIEGO BRANCH
Phone:	877-877-1995
Toll Free:	877-877-1995
Fax:	804-226-3827
Email:	customer.service@clearpointccs.org
Address:	2635 Camino Del Rio S SUITE 101 – – SAN DIEGO, California 92108-3726
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Other
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	COMMUNITY HOUSING WORKS
Phone:	619-282-6647
Toll Free:	888-884-4CHW
Fax:	619-282-4145
Email:	classes&coaching@chworks.org
Address:	4010 Fairmount Avenue SAN DIEGO, California 92105-1608
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Reverse Mortgage Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	http://www.chworks.org

Agency Name:	HOUSING OPPORTUNITIES COLLABORATIVE – BRANCH FOR SAN DIEGO/IMPERIAL COUNTIES
Phone:	619-283-2200
Toll Free:
Fax:
Email:	N/A
Address:	1100 Broadway San Diego, California 92101-5612
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	HOUSING OPPORTUNITIES COLLABORATIVE
Website:	http://www.housingcollaborative.org

Agency Name:	MONEY MANAGEMENT INTERNATIONAL SAN DIEGO
Phone:	866-232-9080
Toll Free:	866-232-9080
Fax:	866-921-5129
Email:	counselinginfo@moneymanagement.org
Address:	3517 Camino Del Rio South, Ste.410 SAN DIEGO, California 92108-4046
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	MONEY MANAGEMENT INTERNATIONAL INC.
Website:	http://www.moneymanagement.org

Agency Name:	NATIONAL ASIAN AMERICAN COALITION (FORMERLY KNOWN AS MABUHAY ALLIANCE)
Phone:	858-537-1500
Toll Free:	800-920-6248
Fax:
Email:	info@naac.org
Address:	9580 Black Mountain Rd Ste A San Diego, California 92126-4522
Counseling Services:	– Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Other – Spanish
Affiliation:	HOMEFREE – U S A
Website:	http://www.naac.org

Agency Name:	NAVICORE SOLUTIONS- SAN DIEGO, CA
Phone:	619-296-4700
Toll Free:	866-472-4557
Fax:	732-863-5052
Email:	novadebthousing@novadebt.org
Address:	1455 Frazee Rd Suite 550 San Diego, California 92108-4301
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NAVICORE SOLUTIONS
Website:	http://www.novadebt.org

Agency Name:	NEIGHBORHOOD HOUSE ASSOCIATION
Phone:	858-715-2642
Toll Free:
Fax:	858-715-2670
Email:	elizabethh@neighborhoodhouse.org
Address:	841 South 41st Street SAN DIEGO, California 92113-1801
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – French – Spanish
Affiliation:
Website:	http://www.neighborhoodhouse.org

Agency Name:	SAN DIEGO URBAN LEAGUE
Phone:	619-266-6237
Toll Free:
Fax:
Email:	housing@sdul.org
Address:	720 Gateway Center Drive SAN DIEGO, California 92102-4549
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL URBAN LEAGUE
Website:	http://www.sdul.org/

Agency Name:	UNION OF PAN ASIAN COMMUNITIES
Phone:	619-232-6454
Toll Free:
Fax:	619-232-8115
Email:	mip@upacsd.com
Address:	1031 25th Street SAN DIEGO, California 92102-2102
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – French – Vietnamese
Affiliation:	NATIONAL CAPACD
Website:	www.upacsd.com

Agency Name:	ASIAN INCORPORATED
Phone:	415-928-5910
Toll Free:
Fax:	415-921-0182
Email:	ncheng@asianinc.org
Address:	1167 Mission Street, 4th Floor SAN FRANCISCO, California 94103-1544
Counseling Services:	– Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– Cambodian – Cantonese – Chinese Mandarin – English – Hmong – Spanish – Vietnamese
Affiliation:
Website:	http://www.asianinc.org

Agency Name:	CCCS OF SAN FRANCISCO
Phone:	415-788-0288
Toll Free:
Fax:	415-777-4030
Email:	info@housingeducation.org
Address:	595 Market St Fl 15 SAN FRANCISCO CA 94105 San Francisco, California 94105-2824
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL FOUNDATION FOR CREDIT COUNSELING, INC.
Website:	https://www.cccssf.org/

Agency Name:	MISSION ECONOMIC DEVELOPMENT ASSOCIATION (MEDA)
Phone:	415-282-3334-126
Toll Free:
Fax:	415-282-3320
Email:	jdcastro@medasf.org
Address:	2301 Mission Street Suite 301 SAN FRANCISCO, California 94110-1898
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.medasf.org

Agency Name:	PROJECT SENTINEL
Phone:	415-468-7464
Toll Free:	888-331-3332
Fax:	650-321-4173
Email:	dntdiscrimin8@aol.com
Address:	25 Van Ness Avenue #800 SAN FRANCISCO, California 94102-6059
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– English
Affiliation:	PROJECT SENTINEL
Website:	www.housing.org

Agency Name:	SAN FRANCISCO HOUSING DEVELOPMENT CORPORATION
Phone:	415-822-1022
Toll Free:
Fax:
Email:	N/A
Address:	4439 3rd St San Francisco, California 94124-2103
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL COMMUNITY REINVESTMENT COALITION, INC.
Website:	http://www.sfhdc.org

Agency Name:	SAN FRANCISCO LGBT COMMUNITY CENTER
Phone:	415-865-5658
Toll Free:
Fax:	415-865-5501
Email:	dianaf@sfcenter.org
Address:	1800 Market Street SAN FRANCISCO, California 94102-6227
Counseling Services:	– Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English
Affiliation:
Website:	www.sfcenter.org

Agency Name:	NEIGHBORHOOD HOUSING SERVICES SILICON VALLEY
Phone:	408-279-2600
Toll Free:
Fax:	408-228-3750
Email:	mhuerta@nhssv.org
Address:	31 N. Second Street, Ste. 300 SAN JOSE, California 95113-1232
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.nhsnow.org

Agency Name:	PROJECT SENTINEL
Phone:	408-720-9888
Toll Free:	888-324-4687
Fax:	650-321-4173
Email:	dntdiscrimin8@aol.com
Address:	111W. St. John Street Suite 302 SAN JOSE, California 95113-1104
Counseling Services:	– Pre-purchase Counseling – Rental Housing Counseling
Languages:	– Spanish
Affiliation:	PROJECT SENTINEL
Website:	www.housing.org

Agency Name:	SANTA CLARA COUNTY ASIAN LAW ALLIANCE
Phone:	408-287-9710
Toll Free:
Fax:	408-287-0864
Email:	sccala@pacbell.net
Address:	991 W Hedding St., Suite 202 SAN JOSE, California 95126-1248
Counseling Services:	– Rental Housing Counseling – Rental Housing Workshops
Languages:	– Chinese Mandarin – English – Korean – Other – Spanish – Vietnamese
Affiliation:	NATIONAL CAPACD
Website:	www.asianlawalliance.org

Agency Name:	SUREPATH FINANCIAL SOLUTIONS – SAN JOSE
Phone:	877-615-7873
Toll Free:	877-615-7873
Fax:	805-383-7722
Email:	clientservices@surepath.org
Address:	1190 South Bascom Avenue, Ste 112 SAN JOSE, California 95128-3512
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Reverse Mortgage Counseling
Languages:	– English – Spanish
Affiliation:	SUREPATH FINANCIAL SOLUTIONS
Website:	http://www.surepath.org

Agency Name:	NID-HCA SAN LEANDRO-CHAMBERS
Phone:	510-430-9020
Toll Free:
Fax:
Email:	N/A
Address:	250 Macarthur Blvd San Leandro, California 94577-2109
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://www.nidonline.org

Agency Name:	PEOPLES’ SELF HELP HOUSING
Phone:	805-781-3088
Toll Free:
Fax:
Email:	N/A
Address:	3533 Empleo St San Luis Obispo, California 93401-7334
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	RURAL COMMUNITY ASSISTANCE CORPORATION
Website:	http://www.pshhc.org

Agency Name:	FAIR HOUSING OF MARIN
Phone:	415-457-5025
Toll Free:	877-FAI-R4US
Fax:	415-457-6382
Email:	fhom@fairhousingmarin.com
Address:	1314 Lincoln Ave. SAN RAFAEL, California 94901-2105
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Resolving/Preventing Mortgage Delinquency Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.fairhousingmarin.com

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – SANTA ANA BRANCH.
Phone:	877-877-1995
Toll Free:	877-877-1995
Fax:	855-499-5666
Email:	customer.service@clearpointccs.org
Address:	1651 E 4th St – – – SANTA ANA, California 92701-5164
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling
Languages:	– English – Other
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	CONSUMER CREDIT COUNSELING SERVICE OF ORANGE COUNTY
Phone:	714-547-2227
Toll Free:	800-213-2227
Fax:	714-245-1680
Email:	cccsoc@cccsoc.org
Address:	1920 Old Tustin Ave – – – Santa Ana, California 92705-7811
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Reverse Mortgage Counseling – Services for Homeless Counseling
Languages:	– ASL – English – Spanish – Vietnamese
Affiliation:	NATIONAL FOUNDATION FOR CREDIT COUNSELING, INC.
Website:	http://www.cccsoc.org

Agency Name:	HOUSING OPPORTUNITIES COLLABORATIVE – ORANGE COUNTY BRANCH
Phone:
Toll Free:	800-826-1502
Fax:
Email:	info.oc@housingcollaborative.org
Address:	505 E. Central Avenue SANTA ANA, California 92707-3503
Counseling Services:	– Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– English
Affiliation:	HOUSING OPPORTUNITIES COLLABORATIVE
Website:	www.HousingCollaborative.org

Agency Name:	LEGAL AID SOCIETY OF ORANGE COUNTY
Phone:	714-571-5200
Toll Free:
Fax:	714-571-5270
Email:	jmiramountes@montes
Address:	2101 North Tustin Ave SANTA ANA, California 92705-7819
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Rental Housing Counseling
Languages:	– English – Korean – Spanish – Vietnamese
Affiliation:	HOUSING OPPORTUNITIES COLLABORATIVE
Website:	www.legal-aid.com

Agency Name:	ORANGE COUNTY FAIR HOUSING COUNCIL, INC
Phone:	714-569-0823-224
Toll Free:	800-698-3247
Fax:	714-835-0282
Email:	bmagana@fairhousingoc.org
Address:	1516 Brookhollow Drive Suite A SANTA ANA, California 92705-5426
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish – Vietnamese
Affiliation:
Website:	http://www.fairhousingoc.org

Agency Name:	PROJECT SENTINEL
Phone:	408-720-9888
Toll Free:	888-331-3332
Fax:	408-720-0810
Email:	skilgore@housing.org
Address:	1490 El Camino Real Santa Clara, California 95050-4609
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Reverse Mortgage Counseling – Services for Homeless Counseling
Languages:	– Cantonese – Chinese Mandarin – English – Other – Spanish
Affiliation:
Website:	http://housing.org/

Agency Name:	WISE & HEALTHY AGING
Phone:	310-394-9871
Toll Free:	310-394-9871
Fax:
Email:	dhernandez@wiseandhealthyaging
Address:	1527 4th St Santa Monica, California 90401-2358
Counseling Services:	– Reverse Mortgage Counseling
Languages:	– Arabic – Cambodian – English – Italian – Spanish
Affiliation:	NATIONAL COUNCIL ON AGING (NCOA)
Website:	N/A

Agency Name:	CATHOLIC CHARITIES, DIOCESE OF SANTA ROSA
Phone:	707-528-8712
Toll Free:
Fax:	707-575-4910
Email:	gsilva@srcharities.org
Address:	987 Airway Court SANTA ROSA, California 95403-2048
Counseling Services:	– Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	CATHOLIC CHARITIES USA
Website:	www.srcharities.org

Agency Name:	CCCS OF SAN FRANCISCO
Phone:	800-777-7526
Toll Free:	800-777-7526
Fax:	415-788-0739
Email:	rharper@cccssf.org
Address:	70 Stony Point Road Suite C Suite C SANTA ROSA, California 95401-4460
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling
Languages:	– English
Affiliation:	CCCS OF SAN FRANCISCO
Website:	http://www.housingeducation.org

Agency Name:	CENTRO FAMILIA ESPERANZA
Phone:	805-526-4215
Toll Free:
Fax:	805-526-2875
Email:	renataghione@msn.com
Address:	1720 E Los Angeles Ave. #216 SIMI VALLEY, California 93065-2095
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NUEVA ESPERANZA, INC.
Website:

Agency Name:	OPERATION HOPE INC. – SOUTH GATE BRANCH
Phone:	562-927-0294
Toll Free:
Fax:
Email:	N/A
Address:	8710 Garfield Ave South Gate, California 90280-3719
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	OPERATION HOPE, INC
Website:	http://www.operationhope.org

Agency Name:	CLEARPOINT CREDIT COUNSELING SOLUTIONS – STOCKTON BRANCH
Phone:	877-877-1995
Toll Free:	209-956-1170
Fax:	855-843-6834
Email:	customer.service@clearpointccs.org
Address:	1024 W Robinhood Dr SUITE 2 – – Stockton, California 95207-5600
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling
Languages:	– ASL – English – Other – Spanish
Affiliation:	CCCS OF GREATER ATLANTA – DBA CLEARPOINT CREDIT COUNSELING SOLUTIONS
Website:	http://www.clearpointccs.org

Agency Name:	NID-HCA A. JONES
Phone:	209-952-8806
Toll Free:
Fax:
Email:	N/A
Address:	6777 Embarcadero Dr Ste 1 Stockton, California 95219-3391
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
Website:	http://site.notavailable.org

Agency Name:	VISIONARY HOME BUILDERS OF CALIFORNIA
Phone:	209-466-6811
Toll Free:
Fax:	209-466-3465
Email:	calmanza@visionaryhomebuilders.org
Address:	315 N. San Joaquin St. STOCKTON, California 95202-2025
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	www.visionaryhomebuilders.org

Agency Name:	NORTHERN CIRCLE INDIAN HOUSING AUTHORITY,UNITED NATIVE HOUSING DEVELOPMENT CORP.
Phone:	707-468-1336
Toll Free:	800-521-3191
Fax:	707-468-5615
Email:	ncihatrb@pacific.net
Address:	694 Pinoleville Rd Ukiah, California 95482-3165
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:	RURAL COMMUNITY ASSISTANCE CORPORATION
Website:	https://www.nciha.org

Agency Name:	CITY OF VACAVILLE DEPARTMENT OF HOUSING SERVICES
Phone:	707-449-5675
Toll Free:
Fax:	707-449-6242
Email:	dhr@cityofvacaville.com
Address:	40 Eldridge Avenue Suite 2 VACAVILLE, California 95688-6824
Counseling Services:	– Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:
Website:	http://www.cityofvacaville.com/index.aspx?page=44

Agency Name:	CABRILLO ECONOMIC DEVELOPMENT CORPORATION
Phone:	805-659-6868
Toll Free:
Fax:
Email:	N/A
Address:	702 County Square Dr Ventura, California 93003-5450
Counseling Services:	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NEIGHBORHOOD REINVESTMENT CORP. DBA NEIGHBORWORKS AMERICA
Website:	http://www.cabrilloedc.org

Agency Name:	INLAND FAIR HOUSING AND MEDIATION BOARD – VICTORVILLE BRANCH (SAN BERNARDINO COUNTY)
Phone:	909-984-2254
Toll Free:	800-321-0911
Fax:	760-243-3312
Email:	landerson@ifhmb.com
Address:	15428 Civic Drive, Suite 225 VICTORVILLE, California 92392-2362
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	INLAND FAIR HOUSING AND MEDIATION BOARD
Website:	http://www.ifhmb.com

Agency Name:	COMMUNITY SERVICES AND EMPLOYMENT TRAINING, INC. (CSET)
Phone:	559-732-4194
Toll Free:
Fax:	559-627-1674
Email:	www.cset.org
Address:	312 NW 3rd Avenue VISALIA, California 93291-3626
Counseling Services:	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– English – Spanish
Affiliation:
Website:	http://www.cset.org

Agency Name:	SELF HELP ENTERPRISES
Phone:	559-651-1000
Toll Free:	800-412-0828
Fax:	559-651-3634
Email:	juanj@selfhelpentrerprises.org
Address:	8445 W Elowin Court VISALIA, California 93291-9262
Counseling Services:	– Home Improvement and Rehabilitation Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops
Languages:	– English – Spanish
Affiliation:	NATIONAL COUNCIL OF LA RAZA
Website:	www.selfhelpenterprises.org

Agency Name:	SUREPATH FINANCIAL SOLUTIONS – WATSONVILLE
Phone:	877-615-7873
Toll Free:	877-615-7873
Fax:	805-383-7722
Email:	clientservices@surepath.org
Address:	23 E. Beach Street, Suite 211 WATSONVILLE, California 95076-4642
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Reverse Mortgage Counseling
Languages:	– English – Spanish
Affiliation:	SUREPATH FINANCIAL SOLUTIONS
Website:	http://www.surepath.org

Agency Name:	RURAL COMMUNITY ASSISTANCE CORPORATION
Phone:	916-447-9832-1015
Toll Free:	800-283-7222
Fax:	916-447-2878
Email:	jhunter@rcac.org
Address:	3120 Freeboard Drive Suite 201 WEST SACRAMENTO, California 95691-5039
Counseling Services:	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Financial, Budgeting, and Credit Workshops – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Rental Housing Workshops – Resolving/Preventing Mortgage Delinquency Workshops – Services for Homeless Counseling
Languages:	– English
Affiliation:
Website:	http://www.rcac.org

Tips for a Successful Home Mortgage Loan Closing

Published April 29, 2015August 18, 2015 by mortgagetree

Tips for a Successful Home Mortgage Loan Closing

Tips for a Successful Home Mortgage Loan Closing

“Can you close on time”?
Over the years most borrowers and/or their Real Estate Agents ask us at Mortgage Tree Capital the common question “can you close on time”? Not closing timely for borrowers can be a costly blunder; it can cause the borrowers to lose their good faith deposit, increase costs associated with your move or interest rate, and cause your mortgage loan to permanently stall and never get funded.

The Application Process
The information you provide on your mortgage application will be verified by your loan officer, your underwriter, and by a 3rd party verification service as part of the approval process. The same information will be re-verified before funds are released to make your home purchase or complete your refinance. We have developed a list which understanding your part of the closing process and being prepared are very important factors in making your closing go effortlessly.

Refinances and Purchases
• Don’t apply for or acquire any additional debt until after your loan has closed.
• Don’t Increase balances on credit cards and/or equity lines of credit.
• Don’t close any accounts without instruction from your loan officer
• Don’t open new installment loans of any kind.
• Don’t co-sign any type of credit on behalf of another individual.
• Don’t start any new real estate loans.
• Don’t make any large deposits into your bank account(s).
• Don’t deposit gift funds into your bank account(s).
• Don’t change jobs or take a leave of absence for any reason.
• Don’t reject (if requested) the option to receive disclosers by email to instead receive them by postal mail. Postal mail requires an additional 10-15 day waiting period(s) thus stalling your mortgage loan 10-15 additional days.

Undisclosed Debt Monitoring
Many mortgage borrowers, including those with high credit scores and low debt-to-income ratios, apply for at least one new trade line during the “quiet period” which is the time frame from when we approve you till the time your mortgage loan is funded. At the same time, these borrowers are unaware of how this new “undisclosed debt” impacts their ability to qualify for their mortgage. We have a system in place called UDM (Undisclosed Debt Monitoring) which alerts us instantly when your credit is pulled and this alert will automatically stall your mortgage loan and affect your loan approval.

Purchases
As temping as it may be the buyer, the seller, or their agents should never negotiate short (under 30 days) closing periods on FHA, VA, USDA, and down-payment assistance programs as these can take up to 40-45 days.
• Fixers cannot be purchased with less than 20% down.

Adhering to the above will ensure a smooth and successful closing

Getting a Mortgage After Bankruptcy, a Shortsale, or Foreclosure?

Published January 10, 2015March 13, 2018 by mortgagetree

When Can I Get a Mortgage After Bankruptcy, a Shortsale, or Foreclosure?

Getting a Mortgage After Bankruptcy, a Shortsale, or Foreclosure?

Getting a mortgage if you have a foreclosure on your record has its challenges but is not impossible to overcome. While your credit will take a big hit after foreclosure, you may be able to get another mortgage after some time passes. We have composed a chart to detail exactly when you can get a mortgage after bankruptcy, a short-sale, or foreclosure?

Conventional Financing

Derogatory Item	Waiting Periods
Foreclosure	7 years form date Home was given back to the bank. No owner participation. 7 years from date foreclosure completed and transferred back to bank if they had NO extenuating circumstances. 3 years from date foreclosure completed and transferred back to bank with acceptable extenuating circumstances AND 10% Down Payment. Primary home purchase and rate/term refinance only. Non-owner and second homes not allowed.
Short Sale Deed in Lieu of Foreclosure	7 years for an Short Sale: Home sold but sales price didn’t cover amount owed Deed in Lieu: Home returned to lender in exchange for canceling loan 7 years from date sale closed and transferred to new owner or transferred back to bank for less than 10% down payment 4 years from date sale closed and transferred to new owner or transferred back to bank with 10% down payment, 2 years from date sale closed and transferred to new owner or transferred back to bank with 20% down payment 2 years from date sale closed and transferred to new owner or transferred back to bank possible with acceptable extenuating circumstance/ and 10% down payment.
Bankruptcy Chapter 7	Debts are discharged through BK, client does not pay any debts owing 4 years from discharge date 2 years from discharge date possible with acceptable extenuating circumstance
Bankruptcy Chapter 13	Debts are paid back on a monthly scheduled payment plan by client 2 years from discharged date 4 years from dismissal date

FHA Financing

Derogatory Item	Waiting Periods
Foreclosure Deed in Lieu of Foreclosure	Foreclosure: Home was given back to the bank — No owner participation Deed in Lieu: Home returned to lender in exchange for canceling loan 3 years from date foreclosure completed and transferred back to bank Less than 3 years, but not less than 12 months from date foreclosure completed and transferred back to bank may be acceptable if the result of acceptable extenuating circumstances2
Short Sale	Short Sale: Home sold but sales price didn’t cover amount owed 3 years from date sale closed and transferred to new owner. No waiting period if borrower had no late payments on any mortgages and consumer debts within the 12 month period preceding the short sale AND they are not taking advantage of declining market conditions.
Bankruptcy Chapter 7	Debts are discharged through BK, client does not pay any debts owing 2 years from date of discharge with re-established credit paid as agreed or no new credit obligations incurred. Less than 2 years, but not less than 12 months from date of discharge may be acceptable if the bankruptcy was caused by acceptable extenuating circumstances and borrower has since exhibited a documented ability to manage financial affairs in a responsible manner.
Bankruptcy Chapter 13	Debts are paid back on a monthly scheduled payment plan by client 1 year payout period under bankruptcy has elapsed and the borrower’s payment performance has been satisfactory and all required payments made on time.

VA Financing

Derogatory Item	Waiting Periods
Foreclosure Deed in Lieu of Foreclosure	Foreclosure: Home was given back to the bank — No owner participation Deed in Lieu: Home returned to lender in exchange for canceling loan 2 years from date foreclosure completed and transferred back to bank 12-23 months from date foreclosure completed and transferred back to bank if credit reestablished and paid as agreed and was caused by acceptable extenuating circumstances3.
Short Sale	Short Sale: Home sold but sales price didn’t cover amount owed 2 years from date sale closed and transferred to new owner. No waiting period if borrower had no late payments on any mortgages and consumer debts within the 12 month period preceding the short sale AND they are not taking advantage of declining market conditions.
Bankruptcy Chapter 7	Debts are discharged through BK, client does not pay any debts owing 2 years from date of discharge 12-23 months from date of discharge if credit re-established and paid as agreed and was caused by acceptable extenuating circumstances.
Bankruptcy Chapter 13	Debts are paid back on a monthly scheduled payment plan by client 1 year payout period under bankruptcy has elapsed and the borrower’s payment performance has been satisfactory and all required payments made on time

USDA Financing

Derogatory Item	Waiting Periods
Foreclosure Deed in Lieu of Foreclosure Short Sale	Home was given back to the bank — No owner participation Deed in Lieu: Home returned to lender in exchange for canceling loan Short Sale: Home sold but sales price didn’t cover amount owed 3 years from the date the foreclosure was completed and transferred back to the bank. Less than 3 years from date the foreclosure was completed and transferred back to the bank may be considered with acceptable extenuating circumstances
Bankruptcy Chapter 7	Debts are discharged through BK, client does not pay any debts owing 3 years from date of discharge. Less than 3 years from date of discharge may be considered with acceptable extenuating circumstances4
Bankruptcy Chapter 13	Debts are paid back on a monthly scheduled payment plan by client 1 year from the date repayment was completed and bankruptcy discharged. Less than 1 year from the date of discharge may be considered with acceptable extenuating circumstances

Examples of acceptable extenuating circumstances (circumstances must be verified and documented)
1. Conventional: nonrecurring events that are beyond the borrower’s control that result in a sudden, significant, and prolonged reduction in income or a catastrophic increase in financial obligations.
2. FHA: Serious illness or death of a wage earner. Divorce and the inability to sell a property due to a job transfer or relocation to another area does not qualify as an acceptable extenuating circumstance.
3. VA: Unemployment, prolonged strikes, medical bills not covered by insurance, etc, Divorce is not viewed as beyond the control of the borrower and/or spous
4. USDA: loss of job; delay or reduction in government benefits or other loss of income; increased expenses due to illness, death, etc. Circumstances surrounding the adverse information must have been temporary in nature, and beyond the applicant’s control, and have been removed so their reoccurrence is unlikely or the adverse action or delinquency was the result of a refusal to make full payment because of defective goods or services or as a result of some other justifiable dispute relating to the goods or services purchased or contracted for.

What is PMI? How does PMI work?

Published October 26, 2014March 13, 2018 by mortgagetree

Private mortgage insurance, pmi, PMI, mortgage insurance

What Is PMI?

What is PMI? How does PMI work?

Private mortgage insurance (PMI) protects the lender if you stop making payments on your loan. Lenders may require you to purchase PMI if your down payment is less than 20 percent of the sales price or the appraised value of the home. PMI premiums are added to your monthly mortgage payment. You may be able to cancel private mortgage insurance after a few years based on certain criteria, such as paying down your loan balance to a certain amount.

TIP: If you are making a down payment of less than 20 percent, be sure you know if PMI is required and how much the PMI will add to your monthly payments. Not making on-time payments may delay when you can cancel your PMI. Before you commit to paying for mortgage insurance, find out the specific requirements for cancellation.

TIP: Don’t confuse PMI with mortgage life insurance, which is designed to pay off a mortgage in the event of a borrower’s death or disability.

Contributor, Consumer Financial Protection Bureau

6 Reasons To Avoid Private Mortgage Insurance

If you’re thinking of buying a home, remember you’re going to need to save up enough money for a 20% down payment. If you can’t, it’s a safe bet that your lender will force you to secure private mortgage insurance (PMI) prior to signing off on the loan. The purpose of the insurance is to protect the mortgage company if you default on the note.

Private mortgage insurance sounds like a great way to buy a house without having to save up the cash for a down payment. Sometimes it is the only, or even the best, option for new homebuyers. However, there are several reasons would-be homeowners should try to avoid paying this insurance. In this article, we’ll examine the six common problems with PMI and then explore a possible solution that allows homebuyers to avoid it altogether.

Six Good Reasons to Avoid PMI
1.Cost – Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month – assuming a 1% PMI fee. (Calculated as: $100,000 x 1% = $1,000 / 12 = $83.33) By itself that’s a pretty hefty sum. However, the average home price, according to the National Association of Realtors is about $230,000, which means families could be spending nearly $200 a month on the insurance. That’s as much as a car payment!
2.May Not Be Deductible – Private mortgage insurance contracts are tax deductible – that is, if the married taxpayer earns less than $110,000 per year (in adjusted gross income). For married couples filing separately, that threshold is $55,000. This means many dual-income families with a combined income just above the threshold will be left out in the cold. While there are rumors this “income cap” could be raised in the future, there is no guarantee it will happen. Many homeowners (particularly those just above the threshold) may be better off making a larger down payment where at least they’ll have the peace of mind that the interest on the loan is be deductible. For more on this important deduction, read The Mortgage Interest Tax Deduction.
3.Your Heirs Get Nothing – Most homeowners hear the word “insurance” and assume that their spouse or their kids will receive some sort of monetary compensation if they die. This is simply not true. The lending institution is the sole beneficiary of any such policy, and the proceeds are paid directly to lender (not indirectly to the heirs first). If you want to protect your heirs and provide them with money for living expenses upon your death, you’ll need to obtain a separate insurance policy. Don’t be fooled into thinking PMI will help anyone but your mortgage lender.
4.Giving Money Away – Homebuyers who put down less than 20% of the sale price will have to pay mortgage insurance until the total equity of the home reaches 20%. This could take years, and it amounts to a lot of money the homeowner is literally giving away. To put the cost into better perspective, if a couple who own a $250,000 home were to instead take the $208 per month they were spending on PMI and invest it in a mutual fund that earned an 8% annual compounded rate of return, that money would grow to $37,707 (assuming no taxes were taken out) within 10 years.
5.Hard To Cancel – As mentioned above, usually when a homeowner’s equity tops 20%, he or she no longer has to pay PMI. However, eliminating the monthly burden isn’t as easy as just not sending in the payment. Many lenders require the homeowner to draft a letter requesting that the PMI be canceled, as well as receive a formal appraisal of the home prior to its cancellation. All in all, this could take several months depending upon the lender.
6.Payment Goes On and On – One final issue that deserves mentioning is that some lenders require the homeowner to maintain a PMI contract for a designated period of time. So, even if the homeowner has met the 20% threshold, he or she may still be obligated to keep paying for the mortgage insurance. Check with your lender and read the fine print of a PMI contract for more specifics.

It’s Not All Bad For many Americans PMI is deductible.Those families who itemize their deductions and earn less than $110,000 per year, will find that their PMI is deductible. For a couple with a $250,000 loan and a $2,500 annual PMI payment (1% of the outstanding loan), this deduction could translate into savings of $300 to $400 dollars or more (depending upon the couple’s tax bracket). Contributor, Glenn Curtis Investopedia

Leave Us A Review

Published October 12, 2014October 14, 2021 by mortgagetree

At Mortgage Tree Capital, your opinion matters. Please take a moment and rate us by click on the appropriate star and feel free to share your experience, we want to hear from you.

Get A Quick Quote!

Published October 12, 2014October 12, 2014 by mortgagetree

Is Your Home Underwater?

Published October 12, 2014November 20, 2014 by mortgagetree

Is Your Home Underwater And You Owe More Than It’s Worth?

We have the perfect solution for you.

For a limited time The Harp (Home Affordable Refinance Program) allows you to refinance underwater mortgages into current market mortgage rates saving you hundreds or even thousands of dollars every month. The ultimate goal is to allow a homeowner to do a mortgage refinance for a lower interest rate and overall monthly payment. The hope is that this will both stabilize the housing market and boost the overall economy, by putting extra dollars in the pockets of consumers who are likely to spend them.This program is a simple as a 5 minute application and we can typically issue same day approvals

No Points & Absolutely Fee’s

Published October 12, 2014November 20, 2014 by mortgagetree

When you apply with Mortgage Tree Capital, there are No Points & Absolutely Fee’s. On 15, 20, and 30 year fixed rate mortgages we pay all your closing costs:

Closing Costs Paid by Mortgage Tree Capital:

Appraisal Fee
Underwriting Fee
Private Mortgage Insurance – First Year premium, if applicable
Title Insurance, including searches
Recording Fees
Tax Service Fee
Lender Attorney Fee
Flood Insurance Fee

Apply Today!

30 Day Loan Closing

Published October 12, 2014November 20, 2014 by mortgagetree

Close In 30 Days Or Less With Priority Closing

30 day priority closing offers borrowers the ability to prepare for their closing without the worry of delayed closing periods. 30 day priority closings reduces lost deposits or other costly expenditures resulting from lengthy closing periods.

Under the program, all borrowers who formally apply for a loan and who are preapproved by Mortgage Tree Capital are guaranteed that their mortgage loan will close in 30 days, or less.