»  FORECLOSURE ASSISTANCE: CLARK GROUP: 949-285-1207

In Foreclosure: there is help:

More than 47% of all homes for sale in Orange County, California as of February 2020 are in a distressed situation: most are in the process of being foreclosed on and have receieved a Notice Of Default (NOD) and, for those that have been in a NOD status for over 90 days, have also had a Notice Of Sale (Trustee Sale Notice) filed against them.

If you, or anyone you know, have questions about the real estate or mortgage markets, or are experiencing issues with regard to your mortgage, the Clark Group can help. Call us at 949-285-1207. All information is held in the strictest of confidence. If you are in foreclosure, we suggest your first call should be to your lender to inquire as to the availability of any loan workout programs. This could involve a modification of the loan, a loan forbearance, or even a reduction in the principal amount owed. If your lender does not any of those programs in place, or you don't qualify, we suggest your second call should be to the Homeownership Preservation Foundation at l-888-995-HOPE. They are an independent nonprofit that provides HUD-approved counselors dedicated to helping homeowners. Their services are free of charge.

To find out more about avoiding foreclosure, the U.S. Department of Housing and Urban Development (HUD), offers some very good advice. One will also find information about The HOPE for Homeowners program that will refinance mortgages for borrowers who are having difficulty making their payments, but can afford a new loan insured by HUD's Federal Housing Administration (FHA). Call 1-800-225-5342 for more information.

There are many programs being introduced by the government to help those in distress, or about to miss a payment. On November 30, 2009, the U.S. Treasury Department released forms and guidelines for the Home Affordable Foreclosure Alternatives Program (HAFA), which is part of the Home Affordable Modification Program (HAMP). For a list of servicers participating in HAMP, visit MakingHomeAffordable.gov.. Please note that HAFA does not take effect until April 5, 2010 and that HAFA applies to loans not owned or guaranteed by Fannie Mae or Freddie Mac, which will be issuing their own versions of HAFA.

The Clark Group offers FREE Homeowner Solutions Workshops. Whether you have missed multiple payements (had a Notice of Default and/or a Notice of Trustee Sale filed), or are looking for answers about loan modifications, short sales, bankruptcy, or credit repair, you are welcome to join us at one of our very informative free workshops.

On the legal side, we have a relationship with a local law firm that has a vast amount of experience in both loan modifications and short sales, and are now offering legal representation for those considering, or going through, bankruptcy.

Our team also includes a Certified Public Accountant (CPA) who is well-versed in the tax code as it applies to those homeowners either facing or have experienced a foreclosure or sold their home in a short sale, and a credit repair specialist.

For many, a foreclosure could be the worst option: find out more about short sales and why you should consider short selling your Orange County home or investment property.

For Orange County residents, there are three other resources we recommend:

Fair Housing Council of Orange County

If you are facing foreclosure and need assistance, you may contact the Fair Housing Council of Orange County at (800) 698-FAIR. The Fair Housing Council of Orange County, an OCAR Community Partner, offers free foreclosure prevention counseling to families in need of guidance. To visit their website, click here.

Neighborhood Housing Services of Orange County (NHS OC)

Foreclosure Workshops and Counseling:

If you or someone you know is having trouble making house payments or if your home is in foreclosure and you need help, you may call NHS OC at 714-490-1250. NHS OC has developed and implemented a homeownership preservation program to assist families preserve homeownership. The ultimate goal is to keep the homeowners in their homes and NHS OC will work with lenders and the customer in finding a solution to avoid a foreclosure.

Neighborhood Housing Services of Orange County (NHS OC) Foreclosure Education Workshops Calendar: View the Foreclosure Education Workshops Calendar

Consumer Credit Counseling Service of Orange County (CCCS-OC)

CCCS-OC offers Foreclosure Default and Loss Mitigation Counseling at no cost to the borrower. Counseling is offered at four Orange County locations. First Time Homebuyers and other educational programs are offered for free or for a nominal fee. Click here to see a list of classes offered and dates and times.

CCCS-OC has been offering Credit Counseling and Educational programs to Orange County residents for more than 40 years. For more information or for an appointment call 714 547-2227 or visit them online

If you would like to speak with us about your situation, please call 949-285-1207. All correspondence will be held in the strictest of confidence.

Huge Amount Of New Information Being Added:

We are adding content daily to keep up with the ever-changing economic, mortgage and real estate markets. From offering a large number of free downloadable articles, to providing free informational printed material, our goal is to provide the best in accurante and timely information. We offer many free newsletters, and encourage you to sign up so you can be made aware when something you find of interest occurs.

FREE HOMEOWNER SOLUTIONS WORKSHOP:

Our next FREE Homeowner Solution Workshop: date to be determined based on demand. (If you want to speak with us before one of our workshops, please call us at 949-285-1207 or indicate this in the comments section of the below form.) Please complete the below form as our workshops fill up quickly - and seating at our Save Your Orange County home workshops are on a first-come, first-serve basis. Whether you are a homeowner experiencing problems with your current mortgage, about to miss your first payment, or are looking for answers about loan modifications, short sales, bankruptcy, or credit repair, you are welcome to join us at one of our very informative free Save Your Orange County Home From Foreclosure workshops.

On the legal side, we have a relationship with a local law firm that has a vast amount of experience in both loan modifications and short sales, and are now offering legal representation for those considering, or going through, bankruptcy.

The Clark Groups "Save Your Orange County home workshops" are free as is our representation of sellers in a short sale.

Our team also includes a Certified Public Accountant (CPA) who is well-versed in the tax code as it applies to those homeowners either facing or have experienced a foreclosure or sold their home in a short sale, and a credit repair specialist.

Location:

Attendance has been excellent and we have had the privilege of working with many homeowners from our workshops. Interested in finding out more information about our next workshop? Please click here to request information about the Clark Groups Free Orange County Homeowner Solution Workshops

NEW from the Clark Group:

We have put together a brochure that explains the foreclosure process: items addressed include timelines in a foreclosure, explanations of what a Notice of Default (NOD) and Notice of Trustee Sale (NOT) are, and much more. Click here to download this FREE report in PDF format. We also offer a FREE 13-page brochure that provides much-needed resources in both the selling of ones home when in a distressed situation and what questions need to be addressed before making an offer on a home in short sale status (Four R's of Short Sales). Included is a a checklist for homeowners about what to consider before pursuing a short sale, tax ramifications of a short sale, what is entailed in purchasing a short sale and much more. (For basic information about selling a home in a short sale, click here.) To request your FREE copy, call Bruce Clark of the Clark Group at 949-285-1207. If you would like to speak with us about your situation, please call Bruce Clark of the Clark Group at 949-285-1207. All correspondence will be held in the strictest of confidence.

NEW: Daily and Weekly Mortgage And Market Rates, Information And Analysis: Clark Group

We are committed to providing a wealth of very relevant and timely information from a wide variety of sources. Click here for the Clark Groups finance page, which includes daily mortgage rates and news, plus tips on finding the best loan rate, and much more.

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