Behind on your mortgage? You have more options than you think.

Calm, plain-language help for families in Los Angeles, Orange, Ventura, Riverside and San Bernardino counties. No judgment. No scare tactics.

Call Carlos 818.447.5224 Text Carlos

Where am I in the process?

Pick your stage and see what it means and how much time you may have.

Your options

Keep the home, or leave on your terms — pros and cons of each path.

Free help & scam warnings

HUD-approved counselors and legal aid cost you nothing. Never pay upfront for a loan modification.

Three things to know today

In California, most foreclosures are non-judicial and take months, not days. There is usually time to act.
You can generally reinstate (catch up) your loan up to 5 business days before the sale date.
Open your mail and call your servicer. Ignoring letters is the most common — and costly — mistake.

Latest updates

2026-10-13

CalAssist Mortgage Fund closes November 2, 2026

If your primary home was destroyed or made uninhabitable by a qualifying California disaster (including the 2025 LA fires), CalHFA's CalAssist Mortgage Fund may pay mortgage payments directly to your servicer. It is free and never has to be repaid. Applications close Nov 2, 2026.

Source

2026-02-12

CalAssist expanded to 12 months of mortgage relief

The Governor announced CalAssist now covers up to 12 months of mortgage payments (up to $100,000) for eligible disaster survivors, up from three months, with broader income eligibility. Families who received three months may get additional support.

Source

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Success stories

Example format only — not a real testimonial. We only publish real stories, with written permission.

[Situation: stage of foreclosure, county] → [Option chosen] → [Outcome]
— Your story could be here

Talk to Carlos — free, private, no pressure

Email: guardian@equitikey.com