Evidence before action
Resource center
Authoritative starting points and VOVARA decision tools. External-source status reviewed August 17, 2026.
Availability, eligibility, deadlines, and agency content can change. Verify current information on the linked official website. These resources are educational and do not replace individualized professional advice.
Find a HUD-approved housing counselor
Search HUD's participating housing counseling agency directory.
External source · HUDOpen resource →Help for homeowners
CFPB guidance on servicers, housing counselors, lawyers, and homeowner options.
External source · CFPBOpen resource →If I cannot pay my mortgage, what are my options?
CFPB's current overview of potential servicer options and foreclosure-avoidance starting points.
External source · CFPBOpen resource →Mortgage relief scams
FTC warning signs, advance-fee concerns, and practical scam-avoidance information.
External source · FTCOpen resource →California Housing and Homelessness Agency
California's central housing-agency gateway and related departments.
External source · State of CaliforniaOpen resource →The Homeowner Options Map
A forthcoming plain-language framework for comparing stay, income, optimization, and transition pathways.
VOVARA publication · In developmentOpen resource →