Facing Foreclosure? A New California Law AB2424 Could Give You More Time to Sell Your Home...

During the years of the Great Recession, the vast majority of my Sacramento area listings between 2007 - 2012 were with home sellers in some sort of distress or default. And, often I would receive panicked calls from homeowners toward the end of the foreclosure process -- days before the foreclosure was to take place -- asking to list and sell their home asap. And that scenario was extremely difficult to work though, because many mortgage companies would not delay a foreclosure to allow the homeowner to sell. I fought tooth and nail -- sometimes with success and we were allowed to delay the foreclosure and given time to list/sell the home, and other times the home was foreclosed out from underneath the homeowner. 

I am sure you can imagine how devastating that would be.

Well -- thanks to a new law passed in 2024, if you are a homeowner who is facing imminent foreclosure of your home, AB2424 may give you some extra time to sell your home before it is foreclosed out from under you. 

I so wish this had been the law back in the day! Better now than never...Here’s what you need to know in simple terms and how the new rules from AB2424 may be able to help you:

First and foremost -- under the new law, homeowners facing foreclosure should be provided 45 days to sell their home. Of course there is a process to follow, and if followed correctly, you should have ample time to sell your home before foreclosure. If you are staring down the barrel of a foreclosure (also known in California as a "Trustee Sale"), and decide to list your home for sale with a licensed real estate agent, you can request a delay in the foreclosure. If you sign a listing agreement with a real estate agent at least 5 business days before the foreclosure sale date, the foreclosure may be postponed for 45 days. This will provide time to market your home, find a buyer, and close the sale...so you may be able to pay off your delinquent mortgage, sell your home, take your net proceeds (or complete a "short sale" if you have no equity), and avoid foreclosure of your home. 

Have an accepted offer on your home? If you find a buyer for your home and sign a purchase agreement (an accepted offer), you can ask for another delay. As long as your real estate agent follows the correct process, submits the signed purchase agreement 5 business days before the new sale date, the foreclosure may be pushed back for yet another 45 days. This means that as long as you’re actively working to sell your home, the AB2424 gives you a couple different opportunities to delay foreclosure and potentially walk away with your home equity as cash in your bank account.

Peeps, this is a huge deal. I can't even tell you how many more homeowners I could have helped to avoid during the recession if this had been the law back then!

If you are a Sacramento homeowner facing foreclosure and want to list your home for sale -- do not hesitate to reach out to me. I welcome your call at 916-342-1372 or email me at erin@erinstumpf.com.

What is that red device and why did it have to be installed on the gas meter of one of my listings?

Well, even after nearly 13 years as an agent and after hundreds of sold properties, I still every now and then come across new things in my transactions. You might be looking at that photo wondering what is that red thing on that gas meter?

Candidly I had never seen one before either until being required to install one on the gas meter of one of my listings prior to the close of escrow. It is an automatic gas shut off valve device.

When the buyer for one of my listings was in the process of getting homeowners insurance quotes, he had to fill out a questionnaire about the property. One of the questions was "Is the house bolted to the foundation?" This actually mirrors one of the questions on a seller property disclosure called the Residential Earthquake Hazards Report. My seller clients answered this question as "Don't Know."

This set off alarm bells with the insurance company.

You might think, well duh, of course the house is bolted to the foundation. Not so fast...this home was built in 1922 when construction standards were different. We asked the home inspector to go down in the basement and look for anchor bolts. The manner in which the home was constructed either concealed the bolts (probably likely), or the house was indeed not bolted to the foundation.

So is a house that is not bolted to its foundation un-insurable? Apparently not being bolted to the foundation is not all that uncommon. That alone won't disqualify the home from being eligible for a homeowners insurance policy, however the insurance company mandated the home have an automatic gas shut off valve installed prior to issuing a new insurance policy.

Why? We were told that in the event of an earthquake, if the home somehow shimmied off its foundation, this shut off valve would at least prevent a natural gas leak. Ok then.

I called several plumbing contractors to have this thing installed, and literally none of them even knew what I was talking about when I described what I needed. Apparently this is way more common in the bay area where earthquake and seismic risk is greater, but nobody locally here in Sacramento had ever seen one or heard of it being required.

So...$720 later, the buyer is now the proud owner of a cute home in Land Park with a shiny red gas shut off valve.

How to fill out a Short Sale Addendum

I have a new short sale listing coming on the market in the next few days, and it seems that over the last few years, other agents and buyers have forgotten how to do them. In the time period from 2007 - 2012 or so, it seemed like ALL my listings were short sales. I know them backward and forward, how different types of short sales work, how different mortgage companies and banks process them, and more. Short sales are not a huge part of our Sacramento real estate market anymore...but they are still out there.

So - here is a primer on how to fill out a Short Sale Addendum (C.A.R. Form SSA) and what it means to buyers and sellers.

First, this form must accompany any offer on a short sale listing. This document establishes that the property is being sold subject to the mortgage company's approval of a payoff for less than the amount owed, defines timelines and other parameters in conjunction with the Residential Purchase Agreement. Generally, the SSA discloses that there is no guarantee of approval, that the buyer and seller pay incur costs that are not recoverable in the event the mortgage company(ies) does not approve the transaction, and that the parties may want to obtain tax or legal advice. Aside from that, there are three fillable components that may change the dynamic of the short sale transaction that I want to cover.

Paragraph 1A: SHORT SALE APPROVAL - this timeline indicates the period in which the buyer is willing to wait for the mortgage company to provide written approval for the short sale. This timeline commences upon the seller's acceptance of the offer, and the buyer MUST wait during this timeframe for a response from the mortgage company. In other words -- the buyer CANNOT cancel prior to the timeline in this contract simply because the buyer gets tired of waiting. There may be other contingency timelines that permit cancellation before this period expires, but otherwise the buyer is in contract with the seller and is obligated to wait it out. For a seller of a short sale, you want this timeline to be as long as possible. As a short sale listing agent, I like to see a minimum of 60 days. Ideally the short sale will not take that long for mortgage company approval, however short sale timelines are a bit of a moving target.

Paragraph 2: TIME PERIODS - this indicates when the buyer's contractual contingency timelines will begin. Checking the box for "shall begin as specified in the agreement" is what I prefer as a listing agent. This means that buyer investigation contingencies, appraisal contingencies, loan contingencies, etc. all would begin once the seller accepts the offer (which is BEFORE the short sale mortgage company consents to the short sale). As a short sale listing agent, I want the buyer to conduct inspections, appraisal, loan underwriting, etc. right away. If this box is unchecked, then the buyer's timelines do not start until the mortgage company has issued short sale approval. The sooner the buyer removes contingencies, the better. If timelines do not start upon seller acceptance, then it is possible for the buyer to walk away after we have short sale approval. We do not want to get several months into a short sale and lose the buyer over something relating to condition of the home. If a buyer cancels we want that to happen early so we do not have to take too many steps backward before moving forward again.

Paragraph 3: BUYER'S DEPOSIT CHECK - this indicates when the buyer's initial deposit should be held in escrow. Checking that box for "as specified in the agreement" is what we want to see. This means that within 3 business days of seller acceptance, the buyer's initial deposit is held in escrow (which again is BEFORE the short sale mortgage company consents to the short sale). As a listing agent, I want to see this for a few reasons. One, if the buyer is willing to do this, it indicates they are serious buyers! Two, if the buyer gets sick of waiting and wants to move on, they will want their deposit back. If escrow is not holding a deposit, the buyer can move on and simply never tell us. That would be bad. Three, holding the buyer's deposit upon seller acceptance looks fantastic to the short sale mortgage company. Four, if the buyer removed contingencies (as we discussed in paragraph 2) and then decide before the timeline in paragraph 1A is over, then the seller may have the right to retain the deposit.

Not all buyers of short sales are willing to do all three of these things I recommend. In non-competitive situations, many buyers will not agree to do all of these things...in multiple-offer situations, often buyers will agree. It is all negotiable. Hope that helps!

What needs to be removed from a home before the close of escrow?

Sometimes sellers, in their haste to move out, decide to "gift" to the buyers some of their personal property. And when I say "gift" what I really mean is - they can't fit all of their stuff into the U-Haul, or are too lazy to remove the junk from the garage and make that final dump run, or they think because the house wasn't fully cleared out when they bought it as a bank repo they can just leave it in a sub-par state for the new owners. WRONG. Sellers are contractually obligated to remove all debris and personal property prior to closing.

A seller's "gift" is often a buyer's unwanted crap that they then have to remove, donate or dispose of. I recently had a seller client who left all kinds of stuff in the property despite our conversations that they would remove everything and have the home cleaned and ready to go...escrow closed, buyer got the keys and was really upset. And rightfully so.

The buyer's agent called me to make me aware of the situation. Of course I was horrified. I had to have a pretty blunt conversation with my seller (which candidly, I never want to have to do) to emphasize that what they did was not ok and they needed to take responsibility to correct this situation. Needless to say, they paid someone to come and remove the junk-- and probably paid a lot more to have that done on short notice after the fact than they would have if they had proactively done it before they moved out.

A little planning is the key to an less stressful move-out. And I have a lot of go-to people who can help off-haul junk, clean, or whatever. Ask me for help! It is a hectic time for sure. However, a seller's poor planning is absolutely NOT the buyer's fault. And no matter which side of the transaction I am on, I will do my very best to ensure that the property is turned over to the buyers in the condition it should be.

Bank of America Short Sale Forms Advisor

While short sales in Sacramento are not nearly as common today as they were a few years ago, there are still some of them out there. And thankfully after nearly a decade, Bank of America has made it easy to determine just which forms are necessary to submit to request a short sale.

In order to obtain a complete checklist of documents necessary for a Bank of America short sale, you will need to know a couple of things:

• What entity owns or insures the loan? It could be Fannie Mae, Freddie Mac, FHA, VA, USDA, or none of the above;
• Is there anyone in the household that pays household expenses who is not a borrower on the loan? That should be easy enough -- a non-borrowing spouse, domestic partner, boyfriend/girlfriend, parent, child, roommate, etc.

Bank of America will require income, expenses, asset and hardship documentation from the borrower(s). This usually involves providing recent bank statements, paystubs, tax returns, etc. and possibly consenting to a credit check. Additionally, they now require similar documentation from any non-borrower who contributes to the household expenses.

The Bank of America forms advisor is here: https://homeloanhelp.bankofamerica.com/en/document-checklist.html 

Where to get free sandbags in the Sacramento area...

With the torrential rain forecast for the Sacramento area this coming week, many homeowners should stock up on sand bags to prevent flooding in their homes...here are locations where free sand is available:

C-Bar-C Park in Citrus Heights (city of Citrus Heights residents only)
Folsom Fire Station #36 in Folsom (city of Folsom residents only)
Jose P Rizal Community Center in South Sacramento
Lowe's Parking Lot in Rancho Cordova (city of Rancho Cordova residents only)
Orangevale Community Center in Orangevale
Point Pleasant United Methodist Church in Elk Grove
Port of West Sacramento (city of West Sacramento residents only)
Sacramento County Branch Center in the Mather area
Sacramento Metro Fire Station #106 in the Arden area
Sacramento Metro Fire Station #55 in the South Sacramento area
Westside Park in Rio Linda
Wilton Fire Station in Wilton

Many locations have free bags for you to fill as well, however I would suggest that you bring your own bags and a shovel. Most of these locations are completely self-service.

These mortgage interest rates tho...

When I bought my first house in 1998, I was absolutely elated to get 7.125% interest on my 30-year fixed conventional loan. That was a super great interest rate at the time...during the 11 years I have been a Realtor in Sacramento, rates have bounced around quite a bit...I'd say during my tenure as an agent, on average they have been in the 5% range with times they have bounced up to the high 6% range, and times they sank into the 4% and high 3% range. There have been a handful of times where rates were in the mid-3% range. RIGHT NOW is one of those times where rates are in the mid-3% range. Holy crap!!

Even in January of this year, when my husband and I bought our current house, we were super excited to get 4.125% for a 30-year fixed conventional loan.

So when I say today's mortgage interest rates are amazing -- I mean it. Lower interest rates means lower mortgage payment. For example, if my husband and I could have gotten 3.625% instead of the 4.125% rate, our monthly payment would be approximately $85 lower. That's significant!

If you are in the market for a home purchase, these rates fluctuate on a daily basis...I'm not sure if this is a blip, or if global anxiety about Brexit will keep these interest rates low for a while. So talk to your lender and come up with a good strategy for locking your interest rate. FYI you can not lock your rate until you are actually in contract to purchase a home. And of course keep in mind, the rate you qualify for will largely depend on the type of loan you are getting, your downpayment, and credit score, etc.

And if you own your home already, it may be an opportune time to refinance. If you need to be connected to a great lender, I can refer you to someone...

Earned the Seniors Real Estate Specialist (SRES) Designation...

As I was completing my continuing education for my real estate broker license renewal, I thought it would be useful to couple that effort with earning a new professional designation - so I earned the Seniors Real Estate Specialist (SRES) designation. It was a great refresher on some of the issues I regularly assist clients and their families with when buying or selling - probate sales, sales via a living trust or an estate, relocation into senior housing, or finding homes that meet the special needs of someone who is aging, etc. And I also thought it was fitting that, while every other designation I have earned emails an electronic certificate of completion, the SRES Council snail mailed a certificate to me.

Did you know that the Sacramento-Yolo Mosquito & Vector Control District will provide you free Mosquitofish??

If you have any standing water at your property, you probably host a breeding ground for mosquitos. Many people do not know that the Sacramento-Yolo Mosquito & Vector Control District will provide you free Mosquitofish upon request. Just fill out the online request form and a technician will come out to your house and give you as many as you need to keep the mosquitos under control. They also provide other free residential services.

Got a residential electric vehicle charger for my own house...pretty affordable and pretty awesome!

This is pretty cool. Nearly 2 years ago my husband and I got a Nissan Leaf electric vehicle. He drives is primarily to work downtown and back, and mostly charges his car in the parking garage. A company called Chargepoint just came out with an affordable residential charging unit, so we took the plunge and had one installed in our home. This thing is awesome. The unit we purchased was the Chargepoint 25 32-Amp hard-wired model and cost about $500. They do make other less-expensive units as well...we purchased this one because it charges more quickly. We had an electrical contractor professionally install it for us. SMUD and PG&E both offer incentives to installing residential charging stations. We are loving this so far.

Buying a Sacramento home? Use this tool to calculate your Supplemental Tax Bill...

Last week I attended a presentation by Kathleen Kelleher, Sacramento County's Tax Assessor. I've met her several times and seen several presentations regarding Sacramento County tax assessment and collection, but this time she introduced a new tool available for use to calculate the "Supplemental Tax Assessment." You can find the Supplemental Tax Calculator here.

What is a Supplemental Tax Assessment bill? In a nutshell, its a bill to collect the difference between the previous owner's tax assessment, and the new owner's tax assessment. Clear as mud, right? If you buy a house, you will receive MULTIPLE disclosures regarding the fact you may have to pay an additional tax bill at some point in time after closing.

Here is an example from a real life scenario. Let's say you are buying a home in East Sacramento that has been owned by the same family for many years. They purchased the property in 1968, and their current assessed value is $98,156. Their annual tax bill is $1,214 including the 1% base assessment, and all the "direct levies." You are purchasing the home for $400,000. Your new tax assessed value will be based on your acquisition cost, and adjusted annually for inflation. Obviously there is a significant difference in the previous owners tax assessment, vs your new tax assessment - $301,844.

Under these circumstances, you should budget for a relatively large "Supplemental Tax Assessment" bill. In this instance, using the calculator online and assuming you close on March 31, you will receive a "Partial Supplemental Tax Bill" for $754 within a few months of closing, and then another one a few months after that for $3,018. That's something you will want to budget for! The amount owed can change based on when during the state's fiscal year you close your transaction, so keep that in mind and use the online tool for help.

Obviously not everyone buys a home where there is such a gap between the previous owner's assessment and the new owner's assessment. In fact, in the days of short sales and foreclosures, often times the new owner's tax assessment was way less than that of the previous owner. But it is something to be aware of and this calculator can help you budget for that...

Sacramento County -- now offering neighborhood waste clean-up by appointment!

Is extra junk piling up in your house? Do you need to do a little spring cleaning, but don't want to spend your money on having a dumpster delivered to your house, or making a trip to the dump? Do you live within the unincorporated County of Sacramento jurisdiction? You're in luck! The Department of Waste Management and Recycling has a program where they come to their customer’s home in Sacramento County at no charge.  The ‘Bulky Item Pick Up’ is by appointment only, but is easy to do.  Customers can call (916) 875-5555 or go online to the Waste Management and Recycling website, and set up an appointment date.  Customers can use this service at no cost once every calendar year. The no charge pick up includes an 8’ x 4’ x 4’pile; larger piles can be arranged for an extra charge depending on the size.

Neighborhoods within the unincorporated County of Sacramento area include Antelope, Arden, Arden Park, Carmichael, Fair Oaks, Orangevale, Elverta, parts of Sierra Oaks, Rosemont, and parts of South Sacramento, etc.

If you fall within the incorporated city areas (City of Sacramento, Natomas area, Citrus Heights, Folsom, Rancho Cordova, Galt, Elk Grove)...this program is not for your areas.

California short sale sellers not liable for federal or state income tax per IRS and CA FTB!!!

Is this a Christmas or Thanksgivingukkah Miracle?? The IRS and the California Franchise Tax Board have formally declared that California home sellers are NOT liable for federal or state income tax on short sales.

Really!? The California Association of Realtors and the National Association of Realtors been lobbying the state and federal government really hard to extend provisions of legislation from 2007 to protect folks who sold a home via a short sale from having to pay income tax on "forgiven debt" -- aka tax on your loss from a short sale.

I first caught wind of this last month via some communication from the California Association of Realtors when the IRS made a written determination that the debt written off in a short sale does not constitute recourse debt under California law, and thus does not create so-called “cancellation of debt” income to the underwater home seller for federal income tax purposes. C.A.R. then aggressively started lobbying the Franchise Tax Board to issue similar written clarification. And today they did!!

You can read C.A.R.'s press release here. Please note short sale sellers -- please continue to get tax and legal advice when entering into a short sale...but this is great news that many people have been waiting for!

Preparing to sell and need to get rid of usable items? Try one of these local charitable organizations...

Pretty frequently, I have seller clients who need to get rid of furniture or other household goods as they start preparing to list a home or move. If the items are usable, are some local organizations that will actually give you a tax-deductible donation and pick-up your unwanted items for free!

Saint Vincent DePaul; they have a local thrift store on Watt Avenue in Sacramento. They accept furniture, antiques, appliances, clothing, books and other items. Arrangements can be made for donations to be picked up by calling (916) 972-1212.

Big Brothers Big Sisters of Sacramento; they offer a free donation pick-up service in Sacramento and accept clothing, shoes, furniture, and other household goods. Arrangements can be made for donations to be picked up by calling (855) 882-2227.

United Cerebral Palsy of Sacramento; they offer a free donation pick-up service in Sacramento and accept clothing, furniture, e-waste, and other household goods. Arrangements can be made for donations to be picked up by calling (800) 860-0357.

Want to get rid of that old refrigerator or freezer? Call SMUD and have them pay you to remove it!

Frequently when I help someone buy or sell a house in Sacramento, there is some relic refrigerator or freezer in the garage that still works, but that nobody wants and is just not practical to move. The last thing a home buyer or seller wants to worry about is to figure out how to get an old fridge to the local dump. Borrow a truck, find strong people to help, etc...not anyone's idea of fun! Or sell it on craigslist and have everyone in Sacramento who wants an old fridge call you, come look at it, and decide not to buy it. Blah!

Luckily SMUD has a program that actually pays the owner $35 of the appliance to remove it! Most folks are not aware that this program exists! And it is super easy.

Call SMUD's contract recycler, JACO at 1-800-299-7573 or visit the JACO website to schedule a date to pick up your old refrigerator or freezer.  JACO will haul away and recycle your old refrigerator or freezer for free, and magically in the mail 4-6 weeks later you will receive a $35 check!

In order to qualify you must be a current SMUD customer, the refrigerator or freezer must be in working condition, and between 10-27 cubic feet. Funding for this program is available on a first come, first served basis...so when funding is depleted the program goes away.

How to research permit history for a home in the City or County of Sacramento

It seems like every time I list or work with a buyer to purchase a property, folks will ask about the status of permits for past improvements that were completed to a home. Sometimes, just asking the seller to provide copies of permits or other pertinent information will suffice...BUT, if the seller has not owned the house for long (for example, the seller is flipping the house and work may have been performed prior to that owner's purchase, or perhaps they are selling it after inheriting it from a deceased or incapacitated relative), or the seller is a bank who has no knowledge of those types of things, then a little digging may be necessary. There are two great online resources I recommend to my clients -- the City of Sacramento and County of Sacramento websites. Both have online permit archives....keep in mind that older permits may not be archived online, so you may have to visit the City or County offices to get more information, but generally these are great tools that answer most questions in this regard.

City of Sacramento Permit Application Archive

Sacramento County Online Services

Greater Sacramento School Disctrict Boundary locator tool

Education.com today released a free mapping tool to assist folks to find out what school district certain properties fall into, AND in some areas, what the individual school boundaries are for your home address! I tested this for a few Sacramento neighborhoods and addresses, and it seems to be correct, though there is a disclaimer on their website that states they can not guarantee 100% accuracy. Try it! It's a great reference tool...and to be most certain of school districts and boundary lines, I suggest that you make a phone call the school district or school to confirm if a specific address falls within it's boundaries, and what the school's enrollment procedures are.

Education.com SchoolFinder
Sacramento schools
California schools

Quoted in a Sacramento Business Journal article about folks purchasing homes after doing a short sale...

Over the last couple months I have written a couple posts about the general qualifications to and waiting periods to make a home purchase after a short sale, foreclosure, or bankruptcy. Different types of loan have different requirements. For example, the requirements are different for FHA loans vs Conventional loans.

Well last week I was contacted by journalist Michael Shaw with the Sacramento Business Journal for an article he was writing about folks who have returned to the Sacramento real estate market to make a home purchase after completing a short sale. You can read the article from October 28th's edition of the Sacramento Business Journal "Owners who lost homes try buying again" here.

Yes - if you completed a short sale on your home, in many cases you can be eligible to qualify for a new mortgage loan within a couple years. OR if you did not miss any payments leading up to your short sale (yes I have completed short sales where the seller hasn't missed a single payment!) under certain circumstances you regain your purchasing ability almost immediately. As mentioned in the article, if you sold via a short sale and are thinking about purchasing in the next year or so -- start the planning process now. Meet with a trusted loan officer who can run your credit. Aside from the short sale, the rest of your credit must be pretty clean. By clean, I mean no late payments for the last year, few or no open collections, no liens, judgments, etc. Be proactive and make sure you can present the best financial scenario possible when the time is right to buy.

I have worked with clients who purchased again after a short sale...and I am helping others get ready to purchase next year. Also while the article specifically addresses buying after a short sale, you also have purchase options after bankruptcy and foreclosure. If you need a referral to a great loan officer as you prepare to give home ownership another try, just email me.

Sacramento Energy Upgrades - reduce your energy consumption and locate incentives, rebates, contractors!

Looking for ways to reduce your energy consumption, conserve water, or utilize renewable forms of energy?...and lower your utility bills?...and maybe even finance the improvements? Wouldn't it also be nice to be able to research different rebates and incentives for making such improvements to you home?

Well thanks to an alliance among California counties, cities, non-profit organizations, the state's investor-owned utilities (Pacific Gas and Electric, Southern California Edison, Southern California Gas Company, and San Diego Gas & Electric Company), and publicly owned utilities -- now you can find programs, financing, rebates, and incentives available in your area (Sacramento and surrounding areas included)! The alliance is known as "Energy Upgrade California."

You can check out the website http://www.energyupgradeca.org and search by county and zip code to find different programs your home may be eligible for, and find contractors, financing, rebates and incentives for your energy upgrade projects. The goal of Energy Upgrade California is for this to be a comprehensive list, however it may not include all rebates and incentives in a given area. Energy upgrade rebates are administered by participating utilities.

Randomly selecting a few zip codes looking for available programs -- in my zip code 95818 (Land Park), there are 60 different programs available. In 95864 (Arden), there are 44 programs available. In 95628 (Fair Oaks), there are 52 programs available...you get the idea!

There are a variety of programs on the list -- installing sun-reflecting "cool roofs", replacing old appliances with new high efficiency appliances, adding wall and attic insulation, replacing incandescent lighting with fluorescent lighting, replacing pool filtration motors or pumps, replacing old central heating and air conditioning units, replacing old water heaters, installing Photovoltaic Systems (solar), installing residential small wind turbines, planting shade trees, installing low-flow water fixtures, and more!

Sacramento HUD Approved Counseling Agencies

Sacramento-Area HUD Approved Counseling Agencies

Clearpoint Financial Solutions

4636 Watt Avenue, 2nd Floor

North Highlands, CA 95660

800-750-2227

Affordable Housing Centers of America / Sacramento

4433 Florin Road #830

Sacramento, CA 95823

916-451-9659

Human Rights / Fair Housing Commission

1112 I Street #250

Sacramento, CA 95814

916-444-6903

Sacramento Home Loan Counseling Center

1800 Tribute Road #150

Sacramento, CA 95815

916-646-2005

Information is deemed reliable as of 3/22/11. A complete list of HUD Approved Counseling Agencies in California can be found at

http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=CA