Should you find yourself unable to afford your mortgage payments and wish to avoid foreclosure, we urge you to:

A) Contact us immediately to schedule a meeting to discuss and explore your options. This will require a review of your financial situation and will require a review of:

1) Income: Current pay stubs, Award letters, Bank Statments, Tax Information, Rental Agreements, Etc.

2) Credit Obligations: A list of current debts and their current status, and your authorization that we (Cal State), be authorized to pull a current credit report.

3) Property Tax: A current statement from the county tax collector confrming the status of your tax bill.

4) Fire Insurance: A copy of your current Fire Policy

Our toll free number is (800)443-4363
Our local Stockton number is (209)957-1934
Our Modesto number is (209)575-4593

B) Contact HUD to find a HUD-certified counceling agency. Their current number is (800)569-4287. This maybe subject to change and require you to contact Cal State to obtain a current listing.