PROGRAM OVERVIEW

FOR RESIDENTS CONCERNED ABOUT FORECLOSURE:
CSET offers a new mortgage option and this workshop is offered free of charge. The workshop covers common industry terms, foreclosure timelines, foreclosure prevention options and tips on how to avoid foreclosure scams. 

FOR RESIDENTS WHO ARE ALREADY IN DEFAULT OR HAVE STARTED THE FORECLOSURE PROCESS:
The Foreclosure Counseling Program is offered free of charge to Tulare County residents. Foreclosure counselors will work with each family to create a workable solution, and can offer assistance in applying for government foreclosure reduction plans and provide money management information. CSET also works with the lenders to adjust interest rates and finance plans. Working with both sides allows the foreclosure counselors to negotiate a deal that the homeowners can afford and that ensures the loan will be repaid to the lender.

CSET is a HUD approved agency and a proud adopter of the National Industry Standards. Our foreclosure counselors can analyze your mortgage default, deliver an explanation of the foreclosure process, and provide assistance in developing a spending plan and a strategy for resolving current issues. Our counselors also offer assistance communicating with your lender to request a modification of your loan that could lower your payments, a repayment plan to bring your loan current or request lender permission to place your home for sale.

The Rural Community Assistance Corporation funds this program.

FORECLOSURE ASSISTANCE HOTLINE
Reasonable accommodations may be made to enable individuals with disabilities to apply for services. Please call for more information or to RSVP for a workshop.

FORECLOSURE COUNSELING ELIGIBILITY GUIDELINES:
The program can only assist residents of Tulare County
The home must be owner-occupied (CSET cannot assist with rental property)


FORECLOSURE PACKETS

FLYERS