Our Services
- Community Development (CDBG)
- Development of Affordable Housing
- Finding Affordable Housing
- Foreclosure Assistance
- Homebuyer Assistance
- Housing Policy, Planning and Research
- Housing Repair & Rehab Programs
- Housing Services & Counseling
- Landlord Resources
- Loans & Grants for Housing
- Renter Resources
- Useful Links/Other Resources
Our Organization
Our Upcoming Events
Know Your Rights
Facts About Foreclosure and Eviction for Homeowners and Tenants
Click here for a brochure outlining your rights if you are being foreclosed on, including rights for tenants living in a home that is being foreclosed.
Anti-Predatory Lending and Foreclosure Resources for Homeowners and Tenants
Homeowners: Avoid Rescue Scams
If you…
- Expect your interest rate to reset
- Are having trouble paying your mortgage
- Think you will go into foreclosure
- Have received a notice of delinquency or default
- Are in foreclosure
- Believe you have a predatory loan and need legal advice
Contact
- Your loan servicer or lender
- Homeownership Preservation Foundation hotline – www.995hope.org, 888-995-HOPE
- Oakland City Attorney’s Office Hotline (510) 232-5378
- A certified Housing Counseling Agency (see the list below)
HUD and NeighborWorks Certified Housing Counseling Agencies
These non-profit and community-based organizations provide homeownership counseling; predatory lending counseling; and information about delinquencies, credit bankruptcy, payment options and preventing foreclosure.
- ACORN Housing, Oakland – (510) 436-6532
- ACORN (888) 409-3557 or (866) 67-ACORN
- Asian Inc (415) 928-5910
- Community Housing Development Corporation of North Richmond (510) 412-9290
- Consumer Credit Counseling Services of the East Bay (800) 308- 2227, (866) 515-2227
- Consumer Credit Counseling Services of San Francisco (415) 788-0288; or www.housingeducation.org (800) 777-7526
- Lao Family Community Development (510) 533-8850
- Mission Economic Development Agency (415) 282-3334
- Neighborhood Assistance Corporation of America (NACA). (Click on HomeSave/Refinance)
- Operation HOPE (888) 388-HOPE
- NID Housing Counseling Agency (510) 268-9792
- SF Housing Development Corporation (415) 822-1022
- The Unity Council (510) 535-6943
Lenders & Miscellaneous Counseling Resources
These banks and agencies provide homeowner assistance, including possible refinancing.
- Acorn Program (Bank of America and Citibank)
- National Community Reinvestment Coalition (202) 628-8866
- Washington Mutual (800) 881-7099
Legal Resources
These agencies provide legal information, referral and representation.
- Bay Area Legal Aid (Oakland) (510) 663-4755 ; Clients call (510) 663-4744
- Housing and Economic Rights Advocates (Oakland, San Francisco, Contra Costa) (510) 271-8443
- Housing Rights, Inc. (510) 548-8776
- Fair Lending Consortium (San Francisco) – (415) 982-1510
- San Francisco Bar Association (415) 989-1616
- California Rural Legal Assistance (Marysville) (530) 742-5191 x306
- Law Foundation of Silicon Valley (408) 280-2400
- Fair Housing Law Project (San Jose) (408) 280-2410
Help for Tenants
Organizations are here to help if you are a tenant facing one of these challenges…
- You are facing eviction
- You think you are being evicted wrongfully because of foreclosure
- Your utilities have been shut off due to foreclosure
Fair Lending/Fair Housing Organizations
These agencies provide education, outreach, legal advice and representation.
- Eden Council for Hope and Opportunity (ECHO) (510) 581-9380
- Fair Housing of Marin (Marin, Sonoma, Contra Costa) (415) 457-6382
- Greater Napa Fair Housing Center (Napa) (707) 224-9720
- Housing Rights, Inc. (510) 548-8776
- Project Sentinel (Bay Area) (510) 574-2270
* Information and Assistance for the General Public
These agencies provide information and referrals to various housing and lending resources.
- AARP (800) 958-6457
- Borrow Smart Public Education Foundation
- California Reinvestment Coalition
- Center for Responsible Lending
- Consumer Federation of America
- Consumer Union
- Fannie Mae (800) 732-6643
- Freddie Mac -- www.dontborrowtrouble.com
- Housing and Urban Development
- National Consumer Law Center
- National Consumer Reinvestment Coalition
- National Association of Attorneys General
- National Law Center
- National Federation for Credit Counseling
- SF Department of Adult and Aging Services (415) 355-3555
Filing a Complaint –Enforcing Housing/Lending Laws
These agencies receive complaints, review cases and enforce laws.
- Better Business Bureau (866) 411-2221
- California Attorney General's Office (916) 322-3360
- California Mortgage Banker’s Association
- California Department of Consumer Affairs
- California Department of Corporations
- California Department of Real Estate (510) 622-2552
- FBI Field Offices, Mortgage Fraud
- Housing and Urban Development
