Help programs
Free foreclosure help in every California county
California has free programs for homeowners facing foreclosure, including housing counselors, legal aid, and government help. Type your county or city to find programs near you. Real help is always free; be careful of anyone who asks for money up front.
Find help in your county
For example, Fresno or Redding. Then press Enter.
Free help for every Californian
These programs serve the whole state. Start with your loan company; only they can approve a change to your loan or stop a sale. The phone number is on your monthly statement.
HOPE Hotline (Homeownership Preservation Foundation)
Free phone help from a housing counselor if you are behind on your mortgage. Any homeowner can call.
888-995-4673 · Website for HOPE Hotline (Homeownership Preservation Foundation)
HUD Housing Counselor Locator
Find a free, HUD-approved housing counselor near you by phone or by ZIP code.
CalVet Home Loans
For veterans with a CalVet home loan. Call and ask about options if you are having trouble making payments.
USDA Rural Development Customer Service Center
For homeowners with a USDA direct home loan. Ask about help if you are behind. Monday to Friday, 7 a.m. to 5 p.m. Central Time.
800-414-1226 · Website for USDA Rural Development Customer Service Center
CalHFA Housing Counseling Program
Free, private counseling to help you avoid foreclosure. The state pays for it.
CalHFA Hardship Assistance
If your home loan is from CalHFA, ask here about payment plans and ways to lower your payment.
California Courts Self-Help Center
Free, plain-language information about how foreclosure works in California and where to find help.
LawHelpCA
Find free legal aid offices near you by county and topic.
Housing and Economic Rights Advocates (HERA)
Free legal help for low and moderate income homeowners facing foreclosure, scams, or reverse mortgage problems.
510-271-8443 · Website for Housing and Economic Rights Advocates (HERA)
Property Tax Postponement Program (State Controller)
Homeowners who are 62 or older, blind, or disabled may put off paying property taxes. It is a loan that must be paid back later.
800-952-5661 · Website for Property Tax Postponement Program (State Controller)
California Attorney General Homeowner Help
Learn your rights as a homeowner, spot foreclosure scams, and check if a foreclosure consultant is registered.
Consumer Financial Protection Bureau (CFPB)
Simple guides for working with your loan company, and a place to file a complaint if it treats you unfairly.
855-411-2372 · Website for Consumer Financial Protection Bureau (CFPB)
All 58 counties
- Alameda
- Alpine
- Amador
- Butte
- Calaveras
- Colusa
- Contra Costa
- Del Norte
- El Dorado
- Fresno
- Glenn
- Humboldt
- Imperial
- Inyo
- Kern
- Kings
- Lake
- Lassen
- Los Angeles
- Madera
- Marin
- Mariposa
- Mendocino
- Merced
- Modoc
- Mono
- Monterey
- Napa
- Nevada
- Orange
- Placer
- Plumas
- Riverside
- Sacramento
- San Benito
- San Bernardino
- San Diego
- San Francisco
- San Joaquin
- San Luis Obispo
- San Mateo
- Santa Barbara
- Santa Clara
- Santa Cruz
- Shasta
- Sierra
- Siskiyou
- Solano
- Sonoma
- Stanislaus
- Sutter
- Tehama
- Trinity
- Tulare
- Tuolumne
- Ventura
- Yolo
- Yuba
Programs by county
Alameda County
6 local programs
Includes Oakland, Fremont, Hayward, Berkeley, San Leandro, Livermore, Pleasanton, Alameda, Union City, Dublin.
A-1 Community Housing Services
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
NID Housing Counseling Agency, Oakland
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
510-268-9792 · Website for NID Housing Counseling Agency, Oakland
NACA Counseling (NSC), Oakland
Free housing counselor who can help you work with your lender to keep your home.
Money Management International, Oakland
Free housing and money counseling if you are behind on your mortgage.
866-232-9080 · Website for Money Management International, Oakland
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Alameda County Law Library Foreclosure Guide
A short guide to local places that help with foreclosure.
Also see the statewide help above.
Alpine County
1 local program
Includes Markleeville, Kirkwood, Bear Valley.
Legal Services of Northern California
The nearest free legal aid is the Mother Lode office in Auburn. Call to ask if they can help Alpine County residents.
888-354-4474 · Website for Legal Services of Northern California
Also see the statewide help above.
Amador County
1 local program
Includes Jackson, Ione, Sutter Creek, Plymouth, Amador City.
Legal Services of Northern California, Mother Lode Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office
Also see the statewide help above.
Butte County
2 local programs
Includes Oroville, Chico, Paradise, Gridley, Biggs.
Legal Services of Northern California, Butte Office (Chico)
Free legal help for people with low income. This office has a housing lawyer for foreclosure cases and free foreclosure workshops.
530-345-9491 · Website for Legal Services of Northern California, Butte Office (Chico)
Community Housing Improvement Program (CHIP)
Local nonprofit housing group. Call to ask if they offer foreclosure help or can refer you.
Also see the statewide help above.
Calaveras County
1 local program
Includes San Andreas, Angels Camp, Murphys, Valley Springs, Copperopolis, Arnold.
Legal Services of Northern California, Mother Lode Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office
Also see the statewide help above.
Colusa County
2 local programs
Includes Colusa, Williams, Arbuckle, Maxwell.
Legal Services of Northern California, Butte Office (Chico)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
530-345-9491 · Website for Legal Services of Northern California, Butte Office (Chico)
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Contra Costa County
4 local programs
Includes Martinez, Concord, Richmond, Antioch, Walnut Creek, San Ramon, Pittsburg, Brentwood, Danville, Pleasant Hill.
BALANCE
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Community Housing Development Corporation of North Richmond
Free housing counselor who can help you talk to your lender about lower payments.
510-412-9290 · Website for Community Housing Development Corporation of North Richmond
Richmond Neighborhood Housing Services
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
510-237-6459 · Website for Richmond Neighborhood Housing Services
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
Del Norte County
1 local program
Includes Crescent City, Smith River, Gasquet, Klamath.
Legal Services of Northern California, Redwood Office (Eureka)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Redwood Office (Eureka)
Also see the statewide help above.
El Dorado County
1 local program
Includes Placerville, South Lake Tahoe, El Dorado Hills, Cameron Park, Shingle Springs, Pollock Pines.
Legal Services of Northern California, Mother Lode Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office
Also see the statewide help above.
Fresno County
5 local programs
Includes Fresno, Clovis, Sanger, Reedley, Selma, Kerman, Coalinga, Fowler.
Community Housing Council of Fresno
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Fresno Interdenominational Refugee Ministries
Free housing counseling by phone if you are behind on your mortgage. They also help with reverse mortgages.
559-487-1500 · Website for Fresno Interdenominational Refugee Ministries
Southwest Fresno Development Corp
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Glenn County
1 local program
Includes Willows, Orland, Hamilton City.
Legal Services of Northern California, Butte Office (Chico)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
530-345-9491 · Website for Legal Services of Northern California, Butte Office (Chico)
Also see the statewide help above.
Humboldt County
1 local program
Includes Eureka, Arcata, Fortuna, McKinleyville, Ferndale, Trinidad.
Legal Services of Northern California, Redwood Office (Eureka)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Redwood Office (Eureka)
Also see the statewide help above.
Imperial County
1 local program
Includes El Centro, Calexico, Brawley, Imperial, Holtville, Calipatria.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Inyo County
1 local program
Includes Independence, Bishop, Lone Pine, Big Pine.
LawHelpCA Legal Aid Finder for Inyo County
No local foreclosure office was found. Search here for the free legal aid office that serves Inyo County.
Also see the statewide help above.
Kern County
2 local programs
Includes Bakersfield, Delano, Ridgecrest, Tehachapi, Wasco, Shafter, Arvin, McFarland.
Greater Bakersfield Legal Assistance (GBLA)
Free legal help for low-income Kern County residents, seniors, and people with disabilities, including housing problems.
661-325-5943 · Website for Greater Bakersfield Legal Assistance (GBLA)
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Kings County
2 local programs
Includes Hanford, Lemoore, Corcoran, Avenal.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Lake County
1 local program
Includes Lakeport, Clearlake, Kelseyville, Middletown, Lower Lake.
Legal Services of Northern California, Ukiah Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Ukiah Office
Also see the statewide help above.
Lassen County
2 local programs
Includes Susanville, Westwood, Bieber, Janesville.
Legal Services of Northern California, Shasta Office (Redding)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Shasta Office (Redding)
Plumas Rural Services
Free help learning your housing rights. Call to ask if they can help with your home loan.
Also see the statewide help above.
Los Angeles County
11 local programs
Includes Los Angeles, Long Beach, Glendale, Santa Clarita, Lancaster, Palmdale, Pasadena, Torrance, Pomona, Santa Monica.
LA County Department of Consumer and Business Affairs, Foreclosure Prevention
Free one-on-one help from the county. They explain foreclosure, help you talk with your lender, and help with your papers.
800-593-8222 · Website for LA County Department of Consumer and Business Affairs, Foreclosure Prevention
LA County Homeowner Notification Program
The county mails you a notice when a deed is recorded on your home, to help you catch title fraud.
Neighborhood Housing Services of Los Angeles County
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
213-381-2862 · Website for Neighborhood Housing Services of Los Angeles County
East LA Community Corporation
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
New Economics for Women
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
NID Housing Counseling Agency, Los Angeles and Palmdale
Free housing counselor who can help you talk to your lender about lower payments. Palmdale office: 661-526-4013.
323-299-4067 · Website for NID Housing Counseling Agency, Los Angeles and Palmdale
Legal Aid Foundation of Los Angeles
Free legal help for homeowners with low income, including help for 2025 fire survivors.
800-399-4529 · Website for Legal Aid Foundation of Los Angeles
Neighborhood Legal Services of Los Angeles County
Free legal help to prevent unfair foreclosures, especially in the San Fernando, San Gabriel, Santa Clarita, and Antelope valleys.
800-433-6251 · Website for Neighborhood Legal Services of Los Angeles County
Bet Tzedek Legal Services
Free legal help with foreclosure, home title theft, and loan scams, especially for older adults.
Public Counsel
Free legal help with foreclosure, reverse mortgage problems, and home equity scams. They also hold homeowner workshops.
Community Legal Aid SoCal
Free legal help with housing for southeast Los Angeles County. Call to ask about foreclosure help.
Also see the statewide help above.
Madera County
1 local program
Includes Madera, Chowchilla, Oakhurst.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Marin County
3 local programs
Includes San Rafael, Novato, Mill Valley, San Anselmo, Sausalito, Larkspur, Corte Madera, Tiburon.
Fair Housing Advocates of Northern California
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
415-457-5025 · Website for Fair Housing Advocates of Northern California
Legal Aid of Marin
Free legal help for people with low income. Call to ask about help with foreclosure.
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
Mariposa County
1 local program
Includes Mariposa, Coulterville, El Portal.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
Also see the statewide help above.
Mendocino County
2 local programs
Includes Ukiah, Fort Bragg, Willits, Point Arena, Hopland.
Legal Services of Northern California, Ukiah Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Ukiah Office
Rural Communities Housing Development Corporation
Local nonprofit housing group. Call to ask if they offer foreclosure help or can refer you.
Website for Rural Communities Housing Development Corporation
Also see the statewide help above.
Merced County
3 local programs
Includes Merced, Los Banos, Atwater, Livingston, Dos Palos, Gustine.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Senior Advocacy Network
Free help for seniors with reverse mortgages, debt, and housing problems.
Also see the statewide help above.
Modoc County
2 local programs
Includes Alturas, Cedarville, Adin.
Legal Services of Northern California, Shasta Office (Redding)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Shasta Office (Redding)
Plumas Rural Services
Free help learning your housing rights. Call to ask if they can help with your home loan.
Also see the statewide help above.
Mono County
1 local program
Includes Bridgeport, Mammoth Lakes, June Lake, Lee Vining.
Mono County Bar Association Legal Advice and Referral Clinic
Legal advice and referrals in Mammoth Lakes. Call to ask if they can help with foreclosure.
Also see the statewide help above.
Monterey County
1 local program
Includes Salinas, Monterey, Seaside, Marina, Pacific Grove, Carmel-by-the-Sea, Soledad, King City, Greenfield, Gonzales.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Napa County
2 local programs
Includes Napa, American Canyon, St. Helena, Calistoga, Yountville.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
Nevada County
1 local program
Includes Nevada City, Grass Valley, Truckee, Penn Valley.
Legal Services of Northern California, Mother Lode Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office
Also see the statewide help above.
Orange County
8 local programs
Includes Santa Ana, Anaheim, Irvine, Huntington Beach, Garden Grove, Orange, Fullerton, Costa Mesa, Mission Viejo, Newport Beach.
NeighborWorks Orange County
Free housing counselor who can help you talk to your lender about lower payments.
HomeOwnership OC
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Orange County Fair Housing Council
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
714-569-0823 · Website for Orange County Fair Housing Council
Epicenter Foundation
Free housing counselor who can help you talk to your lender about lower payments.
GreenPath Financial Wellness
Free housing counseling by phone if you are behind on your mortgage. They also help with reverse mortgages.
Korean Community Services
Free reverse mortgage counseling in Buena Park.
Public Law Center
Free legal help with housing and consumer problems. Call to ask about foreclosure help.
Community Legal Aid SoCal
Free legal help with housing and consumer problems. Call to ask about foreclosure help.
Also see the statewide help above.
Placer County
2 local programs
Includes Auburn, Roseville, Rocklin, Lincoln, Loomis, Colfax, Tahoe City.
Placer County Foreclosure Assistance
County page that connects you with a certified foreclosure counselor who can explain your options and talk to your lender.
Legal Services of Northern California, Mother Lode Office (Auburn)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office (Auburn)
Also see the statewide help above.
Plumas County
2 local programs
Includes Quincy, Portola, Chester, Greenville.
Legal Services of Northern California, Butte Office (Chico)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
530-345-9491 · Website for Legal Services of Northern California, Butte Office (Chico)
Plumas Rural Services
Free help learning your housing rights. Call to ask if they can help with your home loan.
Also see the statewide help above.
Riverside County
10 local programs
Includes Riverside, Moreno Valley, Corona, Temecula, Murrieta, Palm Springs, Indio, Hemet, Menifee, Palm Desert.
Inland Counties Legal Services
Free civil legal help for low-income residents of Riverside and San Bernardino Counties, including housing problems. Call the intake line to apply.
Fair Housing Council of Riverside County
Free housing counselor who can help you talk to your lender about lower payments. Offices in Riverside, Moreno Valley, and Palm Springs.
951-682-6581 · Website for Fair Housing Council of Riverside County
Coachella Valley Housing Coalition
Free housing counselor in Indio who can help you talk to your lender about lower payments.
760-347-3157 · Website for Coachella Valley Housing Coalition
Credit.org
Free housing and money counseling if you are behind on your mortgage.
NID Housing Counseling Agency, Moreno Valley
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
951-399-4538 · Website for NID Housing Counseling Agency, Moreno Valley
Carolyn E. Wylie Center
Free housing counseling by phone or video if you are behind on your mortgage. They also help with reverse mortgages.
USA Homeownership Foundation
Free housing counseling by phone or online. They also hold foreclosure classes.
City of Riverside Foreclosure Prevention
City page that connects residents with free foreclosure prevention help.
Legal Aid Society of San Bernardino
Free legal help with foreclosure, loan changes, reverse mortgages, and home equity scams.
909-889-7328 · Website for Legal Aid Society of San Bernardino
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Sacramento County
4 local programs
Includes Sacramento, Elk Grove, Citrus Heights, Folsom, Rancho Cordova, Galt, Isleton.
NeighborWorks HomeOwnership Center Sacramento Region
Free foreclosure counseling and reverse mortgage counseling. They also hold foreclosure classes.
916-452-5356 · Website for NeighborWorks HomeOwnership Center Sacramento Region
Greater Sacramento Urban League
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
NACA Counseling (NSC), Sacramento
Free housing counselor who can help you work with your lender to keep your home. They also hold foreclosure classes.
425-892-6222 · Website for NACA Counseling (NSC), Sacramento
Legal Services of Northern California, Sacramento Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
916-551-2150 · Website for Legal Services of Northern California, Sacramento Office
Also see the statewide help above.
San Benito County
1 local program
Includes Hollister, San Juan Bautista, Tres Pinos.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
San Bernardino County
7 local programs
Includes San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville, Redlands, Upland, Chino, Hesperia, Rialto.
Inland Counties Legal Services
Free civil legal help for low-income residents of Riverside and San Bernardino Counties, including housing problems. Call the intake line to apply.
Inland Empire Resource Center
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
Inland Fair Housing and Mediation Board
Free housing counselor who can help you talk to your lender about lower payments.
800-321-0911 · Website for Inland Fair Housing and Mediation Board
Neighborhood Housing Services of the Inland Empire
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
909-884-6891 · Website for Neighborhood Housing Services of the Inland Empire
Neighborhood Partnership Housing Services
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
909-988-5979 · Website for Neighborhood Partnership Housing Services
NID Housing Counseling Agency, Victorville
Free housing counselor in Victorville. They also hold foreclosure classes and help with reverse mortgages.
760-254-6181 · Website for NID Housing Counseling Agency, Victorville
Legal Aid Society of San Bernardino
Free legal help with foreclosure, loan changes, reverse mortgages, and home equity scams.
909-889-7328 · Website for Legal Aid Society of San Bernardino
Also see the statewide help above.
San Diego County
6 local programs
Includes San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, National City, La Mesa, Encinitas.
Legal Aid Society of San Diego
Free legal help to prevent foreclosure, get a loan change, or fix reverse mortgage problems. Call before visiting an office.
Urban League of San Diego County
Free housing counselor who can help you talk to your lender about lower payments. They also help with reverse mortgages.
Credit.org, National City
Free housing and money counseling if you are behind on your mortgage.
Money Management International, San Diego
Free housing and money counseling if you are behind on your mortgage.
866-232-9080 · Website for Money Management International, San Diego
Navicore Solutions, San Diego
Free housing counselor who can help you talk to your lender about lower payments.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
San Francisco County
7 local programs
Includes San Francisco, Bayview, Mission District, Sunset District, Treasure Island.
HomeownershipSF Foreclosure Prevention
Free appointments with approved housing counselors in San Francisco.
415-202-5464 · Website for HomeownershipSF Foreclosure Prevention
Mission Economic Development Agency (MEDA)
Free housing counselor for San Francisco homes who can help you talk to your lender. They also hold foreclosure classes.
415-282-3334 · Website for Mission Economic Development Agency (MEDA)
Asian Inc.
Free housing counselor who can help you talk to your lender about lower payments. Help in Chinese and Vietnamese.
BALANCE, San Francisco
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
San Francisco Housing Development Corporation
Free housing counseling by phone if you are behind on your mortgage.
415-822-1022 · Website for San Francisco Housing Development Corporation
Legal Assistance to the Elderly
Free legal help with foreclosure, loan changes, and scams for people 60 and older and adults with disabilities.
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
San Joaquin County
2 local programs
Includes Stockton, Tracy, Manteca, Lodi, Lathrop, Ripon, Escalon.
Visionary Home Builders of California
Free housing counselor in Stockton who can help you talk to your lender about lower payments.
209-466-6811 · Website for Visionary Home Builders of California
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
San Luis Obispo County
2 local programs
Includes San Luis Obispo, Paso Robles, Atascadero, Arroyo Grande, Grover Beach, Morro Bay, Pismo Beach.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
People's Self-Help Housing
Local nonprofit housing group. Call to ask if they offer foreclosure help or can refer you.
Also see the statewide help above.
San Mateo County
2 local programs
Includes Redwood City, San Mateo, Daly City, South San Francisco, San Bruno, Menlo Park, Burlingame, Foster City, Half Moon Bay, Pacifica.
Legal Aid Society of San Mateo County
Free legal help for people with low income. Call to ask about help with foreclosure.
650-558-0915 · Website for Legal Aid Society of San Mateo County
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
Santa Barbara County
2 local programs
Includes Santa Barbara, Santa Maria, Lompoc, Goleta, Carpinteria, Solvang, Buellton, Guadalupe.
Legal Aid Foundation of Santa Barbara County
Free legal help for people with low income. Call to ask about foreclosure help. Santa Maria: 805-922-9909. Lompoc: 805-736-6582.
805-963-6754 · Website for Legal Aid Foundation of Santa Barbara County
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Santa Clara County
4 local programs
Includes San Jose, Santa Clara, Sunnyvale, Mountain View, Palo Alto, Milpitas, Cupertino, Gilroy, Campbell, Morgan Hill.
Project Sentinel
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Santa Clara County Asian Law Alliance
Free reverse mortgage counseling in San Jose.
Law Foundation of Silicon Valley
Free legal help for people with low income. Call to ask about help with foreclosure.
Bay Area Legal Aid
Free legal advice line for people with low income. Call to ask about help keeping your home.
Also see the statewide help above.
Santa Cruz County
1 local program
Includes Santa Cruz, Watsonville, Scotts Valley, Capitola, Aptos.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Shasta County
1 local program
Includes Redding, Anderson, Shasta Lake, Burney.
Legal Services of Northern California, Shasta Office (Redding)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Shasta Office (Redding)
Also see the statewide help above.
Sierra County
2 local programs
Includes Downieville, Loyalton, Sierra City, Sierraville.
Legal Services of Northern California, Mother Lode Office
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Mother Lode Office
Plumas Rural Services
Free help learning your housing rights. Call to ask if they can help with your home loan.
Also see the statewide help above.
Siskiyou County
1 local program
Includes Yreka, Mount Shasta, Weed, Dunsmuir, Tulelake, Etna.
Legal Services of Northern California, Shasta Office (Redding)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Shasta Office (Redding)
Also see the statewide help above.
Solano County
1 local program
Includes Fairfield, Vallejo, Vacaville, Benicia, Suisun City, Dixon, Rio Vista.
Legal Services of Northern California, Solano Office (Vallejo)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Solano Office (Vallejo)
Also see the statewide help above.
Sonoma County
3 local programs
Includes Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, Sonoma, Sebastopol, Cotati, Cloverdale.
BALANCE, Santa Rosa
Free housing counselor who can help you talk to your lender about lower payments. They also hold foreclosure classes.
Legal Aid of Sonoma County
Free classes on foreclosure and your rights, plus help with debt problems.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Stanislaus County
3 local programs
Includes Modesto, Turlock, Ceres, Riverbank, Oakdale, Patterson, Newman.
Habitat for Humanity, Stanislaus County
Free housing counselor in Modesto who can help you talk to your lender. They also hold foreclosure classes.
Senior Advocacy Network
Free help for seniors with reverse mortgages, debt, and housing problems.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Sutter County
1 local program
Includes Yuba City, Live Oak, Sutter.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Tehama County
1 local program
Includes Red Bluff, Corning, Los Molinos.
Legal Services of Northern California, Shasta Office (Redding)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Shasta Office (Redding)
Also see the statewide help above.
Trinity County
1 local program
Includes Weaverville, Hayfork, Lewiston.
Legal Services of Northern California, Redwood Office (Eureka)
Free legal help with housing problems for people with low income. Call to ask about foreclosure help.
888-354-4474 · Website for Legal Services of Northern California, Redwood Office (Eureka)
Also see the statewide help above.
Tulare County
2 local programs
Includes Visalia, Tulare, Porterville, Dinuba, Exeter, Lindsay.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Tuolumne County
1 local program
Includes Sonora, Twain Harte, Jamestown, Columbia.
Central California Legal Services
Free legal help for people with low income. Call to ask about help with foreclosure.
800-675-8001 · Website for Central California Legal Services
Also see the statewide help above.
Ventura County
4 local programs
Includes Ventura, Oxnard, Thousand Oaks, Simi Valley, Camarillo, Moorpark, Santa Paula, Fillmore, Ojai, Port Hueneme.
My Way Home
Free housing counselor in Oxnard who can help you talk to your lender. They also hold foreclosure classes.
Centro Familia Esperanza
Free housing counseling by phone if you are behind on your mortgage.
Cabrillo Economic Development Corporation
Local nonprofit housing group. Call to ask if they offer foreclosure help or can refer you.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Yolo County
1 local program
Includes Woodland, Davis, West Sacramento, Winters.
Legal Services of Northern California, Yolo County Office (Woodland)
Free legal help for people with low income. This office has held free foreclosure workshops.
530-662-1065 · Website for Legal Services of Northern California, Yolo County Office (Woodland)
Also see the statewide help above.
Yuba County
1 local program
Includes Marysville, Wheatland, Olivehurst, Linda.
California Rural Legal Assistance (CRLA)
Free legal help for homeowners in rural areas who face foreclosure. They can review loan papers and help with loan changes.
800-337-0690 · Website for California Rural Legal Assistance (CRLA)
Also see the statewide help above.
Good to know
Programs and phone numbers change. We check this list often, but please confirm details with each program. Last reviewed October 2026. Know a program we missed? Tell us.
We are not a government agency. Serve First Realty, Ashlar Lending, and Ashlar LDA are private businesses. Your first introductory call with us is free.
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