On November 20, 2007, Governor Schwarzenegger announced an agreement with several loan servicers to streamline the loan modification process for variable-rate borrowers. The agreement consists of three basic principles pursuant to which mortgage lenders will:

Reach out proactively to borrowers well before their loans reset;
Streamline the processes by which they determine whether borrowers may reasonably be [...]

If you are behind in your mortgage payments, you may be contacted by individuals or companies that will offer to help you work out a loan modification with your lender or provide other services to you in order to help you prevent a foreclosure on your home.
You must be very careful if you are asked [...]

The following information is intended for REALTORS® and homeowners seeking information on existing mortgage workout programs.  In general, the loan modification programs on the chart (see link below) and consumer information sheets (see links below) are intended for primary residences only.

For an informational chart on existing mortgage workout programs, click here. The chart is a compilation of programs [...]

NOTE: Homeowners, contact your existing lender and/or a new lender to discuss how you may qualify for the H4H program.
 

The HOPE for Homeowners (H4H) program was created by Congress to help those at risk of default and foreclosure refinance into more affordable, sustainable loans. H4H is an additional mortgage option designed to keep borrowers in [...]

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