San Bernardino and Riverside Counties

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Foreclosure Prevention

Foreclosure is the legal process that your mortgage lender uses to take your home when you fall behind on your mortgage payments. 

If you are faced with foreclosure, you can work to save your home-or at least limit the financial damage caused by foreclosure-if you understand your options and take the appropriate steps.

Topics

What is Mortgage Fraud?

Mortgage fraud has become more prevalent over time and is a particular concern during an economic recession. Upheaval in housing markets, homeowners facing foreclosure and unscrupulous persons looking for easy money all contribute to a climate in which mortgage fraud may occur.

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Making Home Affordable

An official program of the Departments of the Treasury & Housing and Urban Development. 

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In Danger of Losing Your Home?

Contacting your lender is a key first step. A representative may be able to help modify your loan or work out another arrangement. Learn about homeowner preservation initiatives sponsored by major lenders.

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Is Foreclosure Knocking at Your Door?

The FDIC -- along with fellow regulators and the banking industry -- is working vigorously to help consumers and the banking industry avoid unnecessary foreclosures and stop foreclosure "rescue" scams that promise false hope to consumers at risk of losing their homes.  Banks that originate and service mortgage loans are encouraged to make prudent attempts to find solutions for homeowners having trouble making their mortgage payments.

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Home Foreclosure, Taxes and Debt Collection

Information about the 2007 debt forgiveness that generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief. 

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Foreclosure Avoidance Counseling

Find a foreclosure avoidance counselor near you.

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