California Home Loan Modification – Modify Your Mortgage in California

Free Loan Modification Consultation

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California is one of states that was affected badly by the economic meltdown. If you are one of those who struggles to pay for your monthly mortgage, a loan modification might be the answer to your bumpy situation.

Mortgages are given to people incapable of supporting the monthly rate and this are given too easily. The bank or the lender dispossessed the mortgagors from their homes, due to the crisis and they want the money invested back. With this situation, the banks are experiencing a great loss and they need money to function. Aside from that, the number of people interested in buying house dramatically decreased. The banks are unable to sell foreclosed homes for them to obtain profit. The authority from the State of Californian proposed a solution in order to overcome this great deadlock, which is the loan modification.

Under the law, the bank and home owner should be both open to new terms and agreements. The modification of the loan and its conditions should make it suitable for the mortgagor. In this case, the lender will have the repayment of the borrowed amount and then, the debtor will possess the house. In addition, mortgage time should be increased, which will lead to smaller and affordable monthly rates. This new law involves both the clients defaulting on their loans and every debtor; all of them have the opportunity to re-negotiate the terms and agreement of the contract. These countermeasures aim to reduce the number of foreclosed homes and put the system back on track.

The banks also raised the standards regarding loan offerings and you’ll have time to fulfill several requirements. It is harder to get a zero-down payment mortgage, because banks are following this so-called principle – If the debtor have no funds to make a down payment deposit, being at par with the monthly rates will be an issue for him/her as well. Now, banks are encouraged to open up and cooperate with their clients in finding the convenient solutions for both parties. Moreover, the authorities have advised its citizens to refrain from applying for a loan in these times or the citizens should make sure that they are now eligible for one.

The loan modification process targets the reduction of the number of foreclosed homes. The homes that are put up for sale outnumbered the buyers and because of that, the best way for the bank is to carry on their collaboration with the debtors.

California Mortgage Companies

First Nations Home Finance – Christi Robbins
2880 Pio Pico Drive
Carlsbad, CA

Money Wise Mortgage
(562)693-0336 Ext. 3043
6528 Greenleaf Ave
Whittier, CA

Action Mortgage
1241 E. Shaw Ave.
Fresno, CA

Nakoma Mortgage Company
207 N. Wright Street
Santa Ana, CA

Progressive Home Loans Inc
(916) 517-0770
9198 Greenback Lane
Orangevale, CA

Security One Lending
3570 Rancho Rd Suite 7″
Redding, CA

First Capital Group Inc.
(415) 440-5626
1465 Bush St.
San Francisco, CA

The Senior Care Index
(916) 273-3303
9216 Kiefer Blvd
Sacramento, CA

California Legal Services

California Indian Legal Services

Assistance: Housing
Location: Escondido, Bishop, Eureka, and Sacramento
Phone: Escondido: (760) 746-8941 or (800) 743-8941
Bishop: (760) 873-3581 or (800) 736-3582
Eureka: (707) 443-8397 or (800) 347-2402
Sacramento: (916) 978-0960 or (800) 829-0284
Services: The various offices provides free and low-cost legal services to Native Americans and Native American tribes and residents of the Counties of Alpine, Inyo, Kern, Mono, Tuolumne, Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Barbara, Ventura, Del Norte, Humboldt, Lassen, Modoc, Shasta, Siskiyou, Trinity , Alameda, Amador, Butte, Calaveras, Colusa, Contra Costa, El Dorado, Fresno, Glenn, Kings, Lake, Madera, Marin, Mariposa, Mendocino, Merced, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Benito, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Clara, Santa Cruz, Sierra, Solano, Sonoma, Stanislaus, Sutter, Tehama, Tulare, Yolo, Yuba.

California Rural Legal Assistance (CRLA)

Assistance: Foreclosure and Loan Modification Scams for California Residents in Rural Areas in English and Spanish
Location: Coachella, Delano, El Centro, Fresno, Gilroy, Lamont, Madera, Marysville, Modesto, Monterey, Oceanside, Oxnard, Paso Robles, Salinas, San Luis Obispo, Santa Barbara, Santa Cruz, Santa Maria, Santa Rosa, Stockton, Watsonville
Phone: To find the contact information for the office closest to you, please visit
Services: CRLA provides free legal services to low-income residents in various rural counties. The organization assists with foreclosure and loan modification scam issues. In particular, CRLA operates free foreclosure intervention workshops out of the Marysville office. Please note that the offices can differ in the services they provide and the service areas in which they practice. Contact your local CRLA office for more information about services available in your area.

Housing and Economic Rights Advocates (HERA)

Assistance: Foreclosure and Loan Modification Scams in English, Spanish, and French
Location: Oakland
Phone: (510) 271-8443
Services: HERA focuses on the needs of vulnerable populations, including lower-income people, the elderly, immigrants, people of color, and people with disabilities. Its core practice areas include unfair mortgage lending, foreclosure prevention and fair housing. Direct legal representation services are available primarily in Northern California, while legal advice and referrals are available statewide.

Legal Services of Northern California – Senior Legal Hotline (SLH)

Assistance: Foreclosure and Loan Modification Scams to California Residents Age 60 and Older in English, Farsi, Hmong, Hebrew, Punjabi and Spanish. Assistance in additional languages is also offered when possible.
Location: Sacramento
Phone: (800) 222-1753 or (916) 551-2140
M-F 9:00 a.m. – 12:00 p.m. and 1:00 p.m. – 4:00 p.m.
Th 9:00 a.m. – 12:00 p.m. and 1:00 p.m. – 7:00 p.m.
Services: SLH offers free legal advice by phone on any subject to California residents age 60 and over. Written materials and some additional advocacy may be provided, and clients who need more extensive assistance are referred to an appropriate legal services program, or other source. A mediation program can help resolve some disputes. Depending on call volume, callers during those hours may receive immediate service or get in queue for a same-day callback. Callback appointments may also be made. Seniors can also submit questions to the website and receive a phone appointment with a SLH advocate.

Central California

Central California Legal Services, Inc.

Assistance: Foreclosure and Loan Scams in English, Spanish, Khmer, Laotian, Hmong
Location: Offices in Fresno, Merced, and Visalia
Phone: Fresno (559) 570-1200 or (800) 675-8001
Merced (209) 723-5466 or (800) 464-3111
Visalia (559) 733-8770 or (800) 350-3654
Services: Central California Legal Services provides free legal assistance to low-income families and individuals in the Counties of Fresno, Kings, Mariposa, Merced, Tulare, and Tuolumne. The attorneys provide services related to foreclosure prevention and consumer issues.

Greater Bakersfield Legal Assistance, Inc. (GBLA)

Assistance: Foreclosure and Loan Scams in English and Spanish
Location: Bakersfield
Phone: (661) 325-5943 or (888) 292-GBLA
Services: GBLA is a non-profit legal services program providing free legal assistance in civil matters to low-income and seniors residing in Kern County. The organization handles foreclosure and consumer issues, including unfair and unjust business practices for low-income consumers.

Northern California

Asian Law Alliance (ALA)

Assistance: Foreclosure Prevention in English, Mandarin, Cantonese, Korean, Tagalog, Vietnamese, and Spanish
Location: San Jose
Phone: (408) 287-9710
Services: ALA provides self-help materials, legal counseling, and legal representation focusing on the Asian and Pacific Islander communities of Santa Clara County. There are no income guidelines for legal consultations, but there are income limits for legal representation cases. Clients must be 50% or below San Jose Median Income. Representation cases include housing matters.

Bay Area Legal Aid

Assistance: Foreclosure
Location: Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, and Santa Clara Counties
Phone: (408) 287-9710
Services: Housing attorneys offer assistance to low-income Bay Area residents on housing matters including foreclosures. Individuals experiencing a housing problem should call the Legal Advice Line that is within their area code. For the Legal Asdvice Hotlines, click here:

Community Legal Services of East Palo Alto

Assistance: Foreclosure and Loan Scams in English and Spanish
Location: East Palo Alto
Phone: (650) 326-6440
Services: CLSEPA provides legal assistance to low-income individuals and families in East Palo Alto and surrounding communities. The organization’s Anti-Predatory Lending Initiative protects against predatory lending, loan modification scams, unlawful detainers, and other post-foreclosure issues. To schedule an appointment, homeowners can call or email the office.

Law Foundation of Silicon Valley – Fair Housing Law Project

Assistance: Foreclosure and Loan Scams in Spanish, Mandarin, Cantonese, Vietnamese, and Spanish
Phone: (408) 293-4790
Services: The Law Foundation provides free legal services to Silicon Valley individuals in need. There is no income restriction and citizenship is not required. The Fair Housing Project’s four attorneys offer assistance on predatory lending and related loan modification scam matters.

Legal Aid of Marin

Assistance: Foreclosure Prevention in English and Spanish
Location: San Rafael
Phone: (415) 492-0230
Services: Legal Aid of Marin provides legal representation and advocacy, information, referral, advice, community education, and other assistance to low-income and older adult residents of Marin County. In particular, the organization assists with problems related to housing, contracts, credit and consumer cases, and a variety of other civil legal issues.

Legal Aid of Napa Valley

Assistance: Foreclosure in English and Spanish
Location: Napa
Phone: (707) 259-0579
Services: Legal Aid of Napa Valley provides free bilingual legal assistance to seniors, immigrants, and low-income residents of Napa County. The attorneys offer a legal services program for seniors and those at risk of becoming homeless. In addition, the group holds legal advice clinics regularly at locations throughout Napa County. People seeking legal advice may attend a clinic to consult with a legal advocate free of charge. Interested individuals should contact Legal Aid before attending a clinic to confirm the time and place of the clinic and to schedule an appointment.

Legal Services of Northern California

Assistance: Foreclosure and Loan Scams in English and Spanish
Location: Auburn, Chico, Eureka, Redding, Sacramento, Vallejo, Ukiah, Woodland
Phone: Auburn (530) 823-7560
Chico (530) 345-9491
Eureka (707) 445-0866
Redding (530) 241-3565
Sacramento (916) 551-2150
Vallejo (707) 643-0054
Ukiah (707) 462-1471 or (877) 529-7700
Woodland (530) 662-1065
Services: This organization provides a broad range of civil legal services to low-income residents in the Counties of Sacramento, Amador, Calaveras, El Dorado, Nevada, Placer, Sierra, Butte, Colusa, Glenn, Plumas, Tehama, Del Norte, Humboldt, Lassen, Modoc, Shasta, Siskiyou, Trinity, Solano, Lake, Mendocino, and Yolo. The office has broad priorities, which includes housing matters such as foreclosure.

Bet Tzedek Legal Services

Assistance: Loan Scams
Location: Three offices located in Los Angeles and North Hollywood
Services: The Consumer Protection Unit has three full-time attorneys specializing in home equity fraud matters. Last year, Bet Tzedek’s attorneys saved homes and obtained settlements worth more than $2 million from home equity scams.

Inland Counties Legal Services

Assistance: Foreclosure in English and Spanish
Location: Riverside, Indo, Victorville, San Bernardino, and Rancho Cucamonga
Phone: Riverside (951) 368-2555 or (888) 245-4257
Indo (760) 342-1591 or (800) 226-4257
Victorville (760) 241-7073 or (888) 805-6455
San Bernardino (909) 884-8615 or (800) 677-4257
Rancho Cucamonga (909) 980-0982 or (800) 977-4257
Services: The organization provides legal assistance on a wide variety of civil legal matters, including housing and consumer fraud issues.

L.A. Gay and Lesbian Legal Services

Assistance: Foreclosure in English and Spanish
Location: Los Angeles
Phone: (323) 993-7670
Services: This organization’s legal clinic offers consultations with attorneys at a no- or low-cost basis for many civil matters, including consumer and housing issues.

Legal Aid Foundation of Los Angeles

Assistance: Foreclosure and Loan Scams
Location: Six offices located throughout Los Angeles
Hotline: (323) 801-7989, ext. 5250
Services: The Consumer Law attorneys work with low-income homeowners on issues such as foreclosures, predatory lending practices, home equity loan scams, forged deeds and title transfers, and other loan modification scams. For assistance, call the Consumer Hotline Mondays through Fridays 9:00 a.m. – 1:00 p.m.

Los Angeles Center for Law and Justice (LACLJ)

Assistance: Foreclosure and Loan Scams
Location: Los Angeles
Phone: (323) 980-3500
Services: LACLJ offers assistance to low-income homeowners facing foreclosures. For more information, call the phone number above.

Neighborhood Legal Services of Los Angeles County

Assistance: Foreclosure
Location: Pacoima, El Monte, and Glendale
Phone: (800) 433-6251
Services: The organization provides free legal services to low-income residents of Los Angeles County. The group’s housing and consumer protection programs provide legal assistance on foreclosure and loan problems.

Public Counsel Law Center

Assistance: Foreclosure and Loan Scams
Location: Los Angeles
Phone: (213) 385-2977, ext. 100
Services: Public Counsel is the largest pro bono public interest law firm in the world that delivers legal and social services to the most vulnerable members of the community. Its Consumer Law Project has represented countless poor consumers who have fallen prey to a variety of scams, including distressed homeowner scams.

Avoid Mortgage Scams California

Attention homeowners: If you think you have been a victim of a scam, or approached by a scammer, report it to the Loan Modification Scam Prevention Network now! Your complaint could provide vital information that will help put loan modification scammers out of business.

Call 1-888-995-HOPE (With your permission, the complaint will automatically be shared with federal, state and local law enforcement)