Real Estate Insights

If you find yourself in the unfortunate event of falling behind on mortgage payments, or struggling to meet your mortgage obligations, or being pressured by your landlord to move out due to foreclosure, then you may want to contact the local ForeclosureHelp services offered through the City of San Jose.

There is FREE assistance available – ForeclosureHelp (http://www.ForeclosureHelpscc.org) is a City of San Jose Housing Department program. Volunteers from the local Real Estate and Lending communities volunteer their time to provide information and referral services to assist families impacted by foreclosure and to help them navigate through the foreclosure process.

IMPORTANT: You don’t have to be in foreclosure to receive assistance. Help is available for those that may be impacted by foreclosure including those that are currently being foreclosed by their lenders, those that are in jeopardy of being foreclosed on by their lenders, and even tenants of properties that have been foreclosed

Services are provided to San Jose Metropolitan area residents and include prevention, intervention and family re-stabilization. By appointment, volunteer staff is available to discuss your circumstances and connect you to the appropriate resources including HUD-certified foreclosure prevention counselors, nonprofit legal services, emergency financial assistance and other housing services.

Through the ForeclosureHelp services, homeowners can receive key information that may help them stay in their homes. The most important service offered through this agency is the ability to meet with someone both familiar with the foreclosure process and the FREE resources available through the City in order to hopefully provide a sense direction to those impacted by the foreclosure process.

Foreclosure alternatives include loan modifications, deed’s in lieu of foreclosure, and even short sales. For tenants, the City offers programs that can provide rental and legal assistance. And for those that may have been impacted by foreclosure scams there is also legal assistance available.

Contact the City of San Jose’s Foreclosure Help by calling (408) 794-1242 or visiting their website - http://www.ForeclosureHelpscc.org.