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Housing and Community Services Department
Housing and Community Services Department

Mortgage Foreclosure Crisis Resources

If you are facing foreclosure on your home, there are resources available to help. Don't wait - seek help now! The City of Berkeley offers these web links as potential resources to assist people who are directly or indirectly affected by the crisis.

  • If you are having trouble with your mortgage payments, see the Federal Trade Commission's article "Mortgage Payments Sending You Reeling? Here's What To Do" at

  • I am a homeowner and have received a notice of default from my mortgage lender. What rights do I have, and what should I do? There are a series of legal steps that a lender must take before a property is foreclosed. Get the facts! Contact your mortgage servicer or lender (whomever you normally make your payment to each month). If you cannot reach your lender, or need your options clarified call the HOPENOW hotline at 1-888-995-HOPE to speak with a credit counselor approved by the U.S. Department of Housing and Urban Development.

  • If your foreclosure process has already started, you may still find you have rights to negotiate with your lender. Depending on your ability to sustain the debt you currently have been paying, and make the new payments on time, you may be able to negotiate a workout plan during the foreclosure proceedings. If you were promised when you originally obtained your mortgage loan that you would be able to refinance, you should contact your lender immediately about refinancing the debt on your house. Interest rates have come down, and are in the vicinity of 6 percent.

  • Be careful to avoid rescue scams. Unfortunately, scammers may obtain your address and contact information because foreclosure notices recorded on your property grant deed are public information. The following information may help you spot scammers:

  • The League of California Cities provides web resources on the mortgage foreclosure crisis.
  • ACORN provides counseling and other resources for people affected by the crisis.

The following agencies receive complaints, review cases, and enforce housing/lending laws:

To access a resources list in the Bay Area that provides information on certified housing counseling agencies, legal resources, help for tenants and lenders counseling, please click here. 



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Housing and Community Services Department, 2180 Milvia Street, 2nd Floor, Berkeley, CA 94704
Questions or comments? Email: Phone: (510) 981-5400
(510) 981-CITY/2489 or 311 from any landline in Berkeley
TTY: (510) 981-6903