Consumer Services

If you are having difficulty making your mortgage payment, or are behind on your mortgage, call Home Loan Counseling Center of Sacramento at (916) 646-2005. HLCC is a HUD-Approved Housing Counseling Agency and this service is provided free of charge. You will be able to meet with a certified Foreclosure Prevention Counselor who can explain options available to you, help you develop a household spending plan and negotiate with your lender on your behalf. Services are free and confidential . Counseling offered in English, Spanish, Russian, Cantonese, Mandarin and Vietnamese languages. Phone sessions are available.

To move through the process as quickly and efficiently as possible, please fax, mail, or drop off copies of the documents listed below. Note that if you wish to have copies made, there is a charge of $5. Once your paperwork has been received, you will be scheduled for a free Foreclosure Prevention individual session.

If you have not received a modification and wish to receive assistance with the process, please submit the following:

Intake Form with budget
Previous year's tax return (1040 form only) and W2s
Three months of pay stubs for each member of the household over the age of 18
Evidence of any additional income, such as SSI, SSA or Retirement Award letters
If you are self-employed, 3 months Profit-and-Loss statement for your business
Three months of bank statements
Hardship letter - a letter which describes your situation and the reasons for which you may or already have become delinquent on your mortgage.
Latest mortgage statement for all loans on the property
Copy of your credit report from one credit reporting bureau. Get a free credit report from www.annualcreditreport.com.

If you received a modification or the Making Home Affordable Trial/Forbearance Agreement and your lender requires you to receive counseling from a HUD-Approved Agency, please submit copies of the documents listed above and the following:

Letter from the lender requiring you to contact a HUD-Approved Agency
Copy of your Trial/Forbearance Agreement

At the end of the session you will receive a letter confirming your participation in a counseling session.