Find Help

If you or someone you know is having financial worries call the United Way. In most areas this number will connect you with a trained professional 24 hours a day, 7 days a week, who can advise you of the resources closest to you.

Fresno and Kern County Simply dial 211

Tulare County 800-283-9323

Kings County 877-864-9290

Madera County 559-243-3666

Merced County 209-383-4242

Trusted Community Resources

Below are some resources that may be able to provide you with more information and assistance. If you know of a resource that you do not see on this list please e-mail us at web@kvpt.org or leave a comment.

MORTGAGE AND CREDIT COUNSELING

ClearPoint Central Valley Credit Counseling Solutions

(formerly ByDesign Financial Solutions)

ClearPoint Credit Counseling Solutions is a nonprofit organization dedicated to providing personalized finance solutions. Free budget and credit counseling; free default and foreclosure counseling, bankruptcy counseling, online financial counseling, online financial assessment for credit counseling and bankruptcy, reverse mortgage counseling. Services also provided in Spanish and Hmong

800-750-2227

559-454-1405

Community Housing Council of Fresno

Free counseling for loan refinance and mitigation; home ownership education and partnership with housing expert; homebuyer training and financial education; counseling referrals and guidelines for first time homebuyer; government assistance and loan counseling; grants; attorney referral grant programs.

559-221-6919

Consumer Credit Counseling

CCCS is a local, nonprofit community service organization that offers a variety of public services and consumer education programs designed to aid individuals and families with financial rehabilitation and mastering the art of money management.

Bakersfield: 661-324-9628 and 800-272-2482

Visalia: 559-732-CCCS

The HOPE Hotline

Free mortgage counseling 24 hours a day, seven days a week. Through the 888-995-HOPE™ hotline, the Homeownership Preservation Foundation has a single mission: to help homeowners avoid foreclosure. An independent nonprofit that provides HUD-approved counselors dedicated to helping homeowners.

1-888-995-HOPE

Hope Now Alliance

HOPE NOW is an alliance between HUD approved counseling agents, mortgage companies, investors and other mortgage market participants that provides free foreclosure prevention assistance.

1-888-995-HOPE

Southeast Asian Housing Task Force

1.      Naazim Hamed – 473-7800, E-mail:  naazimhamed@yahoo.com
2.      Dao Lee – 454-8663; E-mail:  dlee.benchmark@yahoo.com
3.      Loxing kiatoukaysi; E-mail: Kloxing@cs.com

Service area: Central California from Visalia to Sacramento.
Languages:  English, Hmong, Lao
Services: Credit counseling, loan modification assistance, legal referrals, bridge between homeowner and lenders.

Springboard

Counseling services for home equity mortgage counseling; loss mitigation; mortgage delinquency and default resolution counseling.

877-947-3752

FORECLOSURE QUESTIONS AND RESOURCES

This web site is hosted by the State Bar of California and the Public Interest Clearinghouse. The web site is a one-stop shop for consumers with answers to frequently-asked foreclosure-related questions for homeowners and renters.

CSET Visalia (Community Services Employment Training)

If you are a homeowner facing foreclosure or in danger of losing your home, CSET may be able to help. Our counselors can help you understand your options and provide information that may help save your home. Please leave your full name, telephone number and the best time to call on our foreclosure hotline number. One of our counselors will return your call as soon as possible. Services are free and our foreclosure counselors are bilingual (English/Español).

Foreclosure Hotline 559-741-4646

Federal Reserve Market

If you are having difficulty making your mortgage payment, one of the most important things you can do is seek assistance. This Federal Reserve Board webpage provides information and links to agencies and organizations that may be able to help you.

Housing Authorities of the City and County of Fresno

The primary objective of the Fresno Housing Authorities is to provide decent, safe and sanitary housing to low-income families at an afforable price. Homeownership program provides low income families (first time homebuyers), who ordinarily could not afford or qualify, an opportunity to buy a home. Assistance with down payments and tax credits.

559-443-8408

Housing and Urban Development

Services provided for struggling homeowners. Whether you’re in foreclosure now or worried about it in the future, this site provides links to resources that can help. Fresno area office serves Stanislaus, Madera, Mariposa, Merced, Fresno, Kings, Tulare, and Kern Counties.

559-487-5033; 800-569-4287; TDD 800-877-8339

No Homeowner Left Behind

NHLB is a local grassroots, community-based collaborative response to the growing problem of sustainable homeownership and foreclosure prevention for the Central Valley of California.

Foreclosure hotline: 888-995-HOPE;

Fresno: 559-234-1492

Visalia: 559-732-4194

Self Help Enterprises

Self-Help Enterprises is an organization dedicated to self-help housing, sewer and water development, housing rehabilitation, multifamily housing and homebuyer programs in the San Joaquin Valley of California. The goal of Self-Help Enterprises is to help farm laborers and other low-income families to help themselves.

559-651-1000, ext. 630

Foreclosure Hotline: 888-412-0828

Servicemembers Civil Relief Act Information

Common Questions and answers for reservists, guardsmen, and other military personnel about mortgage payment relief and protection from foreclosure provided by the Serivcemembers Civil Relief Act (SCRA).

LOAN MODIFICATION/REFINANCE

If you have a loan through these either of these sources, you may qualify for special loan modification programs. Ask your lender, or you use these links to check.

MakingHomeAffordable.gov

Use the self-assessment tools provided on this Web site to see if you are among the 7 to 9 million homeowners who may be able to benefit from Making Home Affordable. The Home Affordable Refinance Program gives up to 4 to 5 million homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac an opportunity to refinance into more affordable monthly payments. The Home Affordable Modification Program commits $75 billion to keep up to 3 to 4 million Americans in their homes by preventing avoidable foreclosures.

1-888-995-HOPE

MORTGAGE SCAM INFORMATION

Check on foreclosure, mortgage scams. San Joaquin Valley coverage.

Fresno: 559-222-8111

Bakersfield: 661-322-2074

California Department of Real Estate

Tips on how to protect yourself from mortgage and foreclosure scams.

FBI

Task force focused on predatory lending scams, foreclosure relief scams. Reports taken 24 hours a day.

916-481-9110

Federal Trade Commission

Web site provides guides to avoiding mortgage scammers, deceptive advertising, foreclosure rescue scams, options for saving your home, glossary of real estate terms.