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Are you having trouble making your mortgage payment?  The most important thing for you to do is to contact your lender as soon as possible.  Your lender may be willing to work with you to avoid foreclosure.  Additionally, local and federal agencies and resources available to assist you.

Local Housing Counseling Agencies

Home Loan Counseling Center of Sacramento  
1800 Tribute Road, Suite 150
Sacramento, CA  95815
(916) 646-2005
www.hlcc.net
 
NeighborWorks HomeOwnership Center 
2400 Alhambra Boulevard
Sacramento, CA  95817
(916) 452-5356, ext. 229
www.nwsac.org

 Fannie Mae Mortgage Help Center - Sacramento
Gateway Corporate Center
180 Promenade Circle, Suite 100
Sacramento, CA 95834
Counseling sessions are by appointment only.
Call (866) 442-9374 to set up a time.

ClearPoint Credit Counseling Solutions
4636 Watt Avenue, 2nd Floor
North Highlands, CA  95660
(916) 379-3601
www.clearpointccs.org
 
Senior Legal Hotline Legal Services of Northern California
444 North Third Street, Suite 312
Sacramento, CA  95814
(916) 551-2140
www.seniorlegalhotline.org
 
Sacramento Mutual Housing Association 3451 Fifth Avenue
Sacramento, CA  95817
(916) 453-8400, ext. 43
www.mutualhousing.com 

Other Resources

Are you eligible for a refinance or loan modification under the new federal Homeowner Affordability and Stability Plan?

Learn about the Making Home Affordable program to see if you are among the 7 to 9 million homeowners who may be able to benefit from this program.

Making Home Affordable 

HOPE 24 Hour HotLine
1-888-995-HOPE

U.S. Department of Housing and Urban Development (HUD)
 
Veterans Administration
 
Freddie Mac (FHLMC)
 
Loan Servicer Hotline Numbers