City of Brentwood
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Community Development - Housing Division
Home Community Development Housing Division Foreclosure Information
Foreclosure Information

The City of Brentwood in an effort to provide a point of reference has complied up to date information on what you can do if you are having trouble making your mortgage payment.

What is Foreclosure?
Foreclosure is a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan. The foreclosure process begins when a borrower/owner defaults on loan payments (usually mortgage payments) and the lender files a public default notice, called a Notice of Default or Lis Pendens*.

The City of Brentwood wanted to let you know there are numerous resources that are available for you online and through the following organizations:

Step by Step Tips to Avoid Foreclosure
There are many sites on the internet that offer tips. The United States Federal Housing Administration web site is among the most comprehensive consumer driven resource offering specific tips on actions to take, how to take it and frequently asked questions. A less overwhelming format and more introductory materials can be found at or at HUD’s website at

Homeownership Preservation Foundation . 888-995-HOPE (4637) or
This hotline is run by the Homeownership Preservation Foundation. They are not a mortgage company. They are an independent, third-party resource that has assembled a not-for-profit network of HUD Certified agencies dedicated to helping homeowners avoid foreclosure (see “Why Use a HUD Certified Counselor?” below) and will help you take action. Homeowners that need face-to-face assistance are referred from the Hotline to an approved local organization that can provide assistance.

Homes & Communities – U.S. Department of Housing & Urban Development (HUD)
(202) 708-1112 or
HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level. The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance.

ACORN Housing Corporation. (510) 436-6532 or
This national non-profit agency has been providing free housing counseling to low and moderate income homebuyers since 1987. They opened HUD-certified, Fannie Mae-approved housing counseling offices across the U.S. If you are behind on your loan, a housing counselor may be able to intervene on your behalf with your lender in order to come to a resolution that will ultimately bring your loan current. Our HELP program has established relationships with 28 major lenders in the U.S. in working out repayment plans, forbearance plans, loan modifications, refinances and partial claims. ACORN Housing's mortgage delinquency counselors are here and ready to review your situation to find out if you would be suitable for a resolution. Contact the toll free HELP line at 888-409-3557.

Pacific Community Services, Inc. (925) 439-1056 or
Ofrecen clases en Español.
PCSI is certified by the U.S. Department of Housing & Urban Development (HUD) as a comprehensive housing counseling agency. PCSI’s housing counselors are available for private consultation on a variety of topics at no charge to residents of Contra Costa County, Solano County, and San Joaquin County.

Housing Rights, Inc. 510-548-8776 or
Housing Rights, Inc. was founded in 1979 by a law student who could not find housing because she had young children. Their mission is to fight for equal access to housing for everyone by eliminating barriers to housing choice such as discrimination, sub-standard housing, ignorance, apathy and malice in order to eradicate illegal housing discrimination, prevent evictions/foreclosures and encourage diversity in our neighborhoods. We do this by assisting individuals in exercising their housing rights to obtain and maintain the home of their choice and by promoting understanding by tenants and landlords, housing consumers and housing providers of their rights and responsibilities through housing rights counseling/advocacy, education, outreach, investigation, mediation, self-advocacy, legal referrals and enforcement of fair housing laws.

Mt. Diablo Housing Opportunity Center. 866-469-0133 or
The Mt. Diablo Housing Opportunity Center (MtDHOC) is a project of Housing Rights, Inc. (a HUD Certified housing counseling agency) and is a collaboration of many local and regional interests. The Center’s mission is to ensure equal access to the information and resources necessary to guide successful housing choices for all members of the community. They offer a One-Stop Shop for members of the community to come to for help with a wide variety of housing problems and goals/desires.

Tri-Valley Housing Opportunity Center. (925) 373-3930 or
Ofrecen clases en Español.
The Tri-Valley Housing Opportunity Center (TVHOC) provides information regarding private sector lender programs, funding sources and homebuyer pre and post purchase education – helping match those in need with programs and services that benefit them most. Working regionally, the TVHOC offers a comprehensive counseling and education program that will expand mortgage credit opportunities and increase homeownership in the Tri-Valley region.

Neighborhood Works. (202) 220-2300 or
NeighborWorks® America was named in the FY2008 Consolidated Appropriations Act to administer a $180 million national mortgage foreclosure mitigation counseling program. Under the legislation, NeighborWorks America (formally the Neighborhood Reinvestment Corporation) will make grants to housing counseling intermediaries approved by the U.S. Department of Housing and Urban Development and to qualifying state housing finance agencies (HFAs) and will provide foreclosure counseling training courses.

Money Management International. (866) 889-9347 or
Todo informacion disponible en Español por internet o llame 877-255-5059.
MMI is a HUD-approved housing counseling and education service provider. Their Housing Services focuses on various needs such as buying, financing, maintaining, and protecting your home. They also provide services in Personal Credit Counseling, Debt Management Services, Financial Education and Bankruptcy Services. Money Management International (MMI) and its family of Consumer Credit Counseling Service (CCCS) agencies make up the largest nonprofit, full-service credit counseling agency in the United States.

Don’t Delay! Get Sound Advice.
If you are late making payments or believe that you will soon be unable to continue to make payments are required, call your lender or call a certified HUD counselor today. Your house is your home; your family’s castle and your largest investment, so only get advice from someone whose job it is to look out for you. You want to be sure to get sound advice from a HUD Certified Housing Counselor and follow through on their recommendations. Find the right HUD Certified Counselor for your situation and in your area. You may choose to visit the HUD web site directly to search for a counselor at:

Why Use a HUD Certified Counselor?
HUD has the authority to provide housing counseling services directly or through private or public organizations with special competence and knowledge in counseling low and moderate income families. Detailed information about HUD’s Certified Counseling program and requirements can be found at

Legal Assistance Centers

Bay Area Legal Aid (BayLegal)
Por Servicios en Español llame en (800) 551-5554.
Bay Area Legal Aid (BayLegal) is the largest provider of free civil legal services in the Bay Area. Our seven regional offices work together to provide high quality legal assistance to low-income people regardless of their location, language, or disability. BayLegal is uniquely positioned to help people across county lines. We assist people in the areas of housing, public benefits, health access, and domestic violence.

Contra Costa County Treasurer & Tax Collector
The Treasure’s office put this web site together in an effort to provide the general community with online access to our services and publications.

Housing and Economic Rights Advocates (HERA)
Housing and Economic Rights Advocates (HERA) is a California statewide, not-for-profit legal service and advocacy organization. HERA's mission is to ensure that all people are protected from discrimination and economic abuses, especially in the realm of housing. HERA's core practice areas are predatory or unfair mortgage lending, foreclosure prevention and fair housing. Our direct legal representation services are available primarily in Northern California, while our technical assistance, training and capacity building services are available statewide.

La Raza Centro Legal
(866) 452-7292 or
The collaboration of La Raza Centro Legal, Inc. and Pacific Community Services, Inc. offers Contra Costa County residents free legal advice and counseling regarding tenant/landlord rights, housing discrimination and other fair housing problems.
Como una colaboracion entre La Raza Centro Legal y Pacific Community Services ofrece asesoria legal y de vivienda para los residentes del Condado de Contra Costa sin costo alguno.

Housing Division       (925) 516-5405
150 City Park Way       (925) 516-5407
Brentwood, CA 94513
Hours of Operation: (Monday - Friday) 8:00 - 5:00 pm