Foreclosure and Renter Services

Foreclosure Prevention Counseling

Have questions about mortgage forbearance and repayment plans? NPHS is helping families and individuals who find themselves experiencing financial hardship understand their mortgage repayment options. NPHS’ HUD certified counselors will help you understand the various options and resources available to you. Our counselors are available by phone or email to provide you with the guidance you need.

NPHS has teamed up with Freddie Mac to open the NPHS Freddie Mac Borrower Help Center. We provide assistance to struggling homeowners with Freddie Mac-owned mortgages to help keep them in their homes, whenever possible.

Now, as a result of the improving economy and more interest in pursuing homeownership, our Freddie Mac Borrower Help Center has expanded to offer pre-purchase homebuyer education as well as financial literacy using tools such as the Freddie Mac CreditSmart® curriculum to help potential homeowners achieve successful and sustainable homeownership.

If you are behind on your monthly bills, including your mortgage, our Freddie Mac Borrower Help Center offers free, confidential financial counseling assistance through HUD-approved counselors, either in person or on the telephone.

During your free financial counseling sessions, your counselor will:

  • Review your current income, living expenses, savings, and debts;
  • Help you understand your options and possible solutions to your financial challenges; and
  • Assess your options for avoiding foreclosure, which could include a loan modification available under the federal Making Home Affordable program or another borrower assistance program.

Does Freddie Mac Own Your Mortgage? CLICK HERE to find out.

Preparing for Homeownership

If you are pursuing homeownership, our Freddie Mac Borrower Help Center offers free prepurchase homebuyer education as well as financial literacy tools, such as the Freddie Mac CreditSmart® curriculum, to assist you in your path toward successful and sustainable homeownership.

This free homebuyer education experience includes:

  • Utilizing the Freddie Mac CreditSmart® educational curriculum to build important financial skills such as money management, credit, and responsible homeownership.
  • Learning the steps to sustainable homeownership through workshops and one-on-one counseling.
  • Comparing the affordable features of various mortgage products – including lower mortgage payments.
  • Getting Information on down payment and closing cost assistance programs in their area.

To schedule a free appointment with a HUD-approved counselor, please call the NPHS Borrower Help Center at (909) 988-5979 or visit us at the NPHS Headquarters located at 9551 Pittsburgh Avenue, Rancho Cucamonga, CA 91730. Our office is open Monday through Friday, 8am-5pm.

Being prepared will help your counselor better understand your financial position so he or she can assess possible options for you.  When you meet with your counselor, please bring the following documents with you:

  • Most recent pay stubs and most recent tax return.
  • Most recent bank statements.
  • Credit card bills.
  • Your monthly mortgage statement.
  • Any utility bills and car payments.
  • You should also fill out a Uniform Borrower Assistance Form, available in English or Spanish.  This form will help you organize your financial information.  Your counselor can also help you fill out this form.

For more information on avoiding foreclosure:

To visit the Freddie Mac website, CLICK HERE
Borrower Help Center/Network Online Fact Sheet – CLICK HERE
Directory of Borrower Help Centers and Network – CLICK HERE

NPHS is proud to serve as a Fannie Mae Help Network. We provide assistance to struggling homeowners with Fannie Mae-owned mortgages.

If you are behind on your monthly bills, including your mortgage, our NPHS’ Housing Specialists provide free, confidential financial counseling assistance through HUD-approved counselors, either in person or on the telephone.

During these free sessions, your counselor will:

  • Review your current income, living expenses, savings, and debts;
  • Help you understand your options and possible solutions to your financial challenges; and
  • Assess your options for avoiding foreclosure, which could include a loan modification available under the federal Making Home Affordable program or another borrower assistance program.

Does Fannie Mae Own Your Mortgage? CLICK HERE to find out.

Have a question or want to speak to a foreclosure prevention specialist? Feel free to contact our Homebuyer Development Manager via email or phone.

Rental Counseling

In this present situation there are protections and orders issued in the state of California to protect tenants. In response to the COVID-19 pandemic, emergency tenant protections are in place, such as a ban on evicting tenants. Earlier this year, California Governor Gavin Newsom announced through a state of emergency that rental prices are capped, but have allowed cities and counties to enforce and enact their own tenant protections.

Have a question or want to learn about how NPHS is providing rental counseling? Feel free to contact us at (909) 988-5979 or visit these sources for more information.