If you are experiencing a mortgage or credit problem, please review the links below.  There is free assistance available for individuals struggling to keep their homes or manage their debt.  You should always remain in contact with your lender or creditor as well, as they may offer their own programs to assist individuals facing hardship.

Contact Congresswoman Speier’s San Mateo office if you need additional help, or if your problem is related to student loan debt.

Housing and Credit Counseling
HUD-approved housing counselors, (800) 569-4287
Free housing counseling for foreclosure avoidance and reverse mortgages

Ten Tips for Avoiding Foreclosure
A guide to home preservation from the Federal Housing Administration

State and Federal Mortgage Assistance
Keep Your Home California (KYHC), (888) 954-5337
Financial assistance for qualifying homeowners experiencing hardship

Making Home Affordable, (888) 995-4673
Federal programs to refinance mortgages and provide foreclosure alternatives

National Mortgage Settlement
Learn more about the settlement, including where to call for more information from your lender

File a Complaint
Consumer Financial Protection Bureau (CFPB), (855) 411-2372
CFPB is responsible for protecting consumers who have complaints about loans, credit cards, bank accounts, and more

Mortgage Scams and Financial Crime
Remember that mortgage and credit help is free. Beware of anyone asking for upfront fees, and beware of anyone making concrete promises about the amount they can save you.

If you believe you may have been a victim of financial crime, please contact Congresswoman Speier’s San Mateo office for assistance. A caseworker can talk to you about where and how to file a formal report.