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Constituent Resources

CONGRESSIONAL ALERT:

A number of fraudulent companies operating in the San Joaquin Valley are targeting financially troubled homeowners. These companies offer to help homeowners refinance their mortgages for a significant fee. Frequently either no service or a minimal service is provided. If you believe you have received a fraudulent offer or letter for refinancing assistance, please contact my office immediately.

How to Prevent Foreclosure:

Contact your lender as soon as possible.  Even if you are behind on your mortgage, you should speak to your lender. Often lenders will offer options to help those who are having problems making their mortgage payments.  Do not wait for the lender to call you. Taking the initiative before you have defaulted or enter pre-foreclosure may increase your options.

The Obama Administration announced new efforts to help bring relief to responsible homeowners under the Making Home Affordable Program, including a set of measures to help underwater borrowers stay in their homes. For more information on this plan click here.

Basic information about how to avoid foreclosure can be found on the U.S. Department of Housing and Urban Development (HUD) website .

The State of California has also compiled resources for individuals facing foreclosure. Their web site can be found here .

If you are having problems contacting your lender or want general advice on foreclosures, contact a HUD-certified housing counselor. They are trained professionals who will help you understand the law and any options available to you. They can also provide financial advice about your mortgage and negotiate directly with your lender if necessary. HUD's list of certified housing counselors in California can be found here .



Representative Dennis Cardoza
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