California homeowners facing financial hardship have access to several free resources. The California Mortgage Relief Program offers grants for past-due mortgage payments. HUD-approved housing counseling agencies provide free one-on-one guidance. The CFPB mortgage complaint portal helps resolve lender disputes. Nonprofits like NeighborWorks America offer foreclosure prevention workshops and financial coaching. These services are no-cost and confidential. Beware of any company that asks for upfront fees to help with foreclosure prevention. That is a red flag for a scam.
Information only — not legal or financial advice; consult a licensed professional.