Foreclosure Counseling
Program Overview
For residents who are concerned about foreclosure, CSET offers a new Mortgage Option and Foreclosure Prevention workshop. This workshop is offered free of charge, and covers common industry terms, foreclosure timelines, options that are available to prevent foreclosures, and tips on how to avoid foreclosure scams. The workshops are held once a month at the main CSET office, located at 312 NW 3rd Avenue in Visalia.
For residents who are already in default or have started the foreclosure process, CSET has a foreclosure counseling program. The program is offered free of charge to Tulare County residents. Foreclosure counselors will work with the 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 insures the loan will be repaid to the lender.
Our nationally certified 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 to request lender permission to place your home for sale.
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)
Contact Information
CSET has a 24 hour Foreclosure Assistance Hotline. To RSVP for a workshop, or to receive more information for the Foreclosure Counseling program, please call (559) 741-4646.
The Rural Community Assistance Corporation funds this program.
