Housing Resources

Foreclosure Prevention Information

Foreclosed homeForeclosure is a legal process by which the lender or the seller of a property forces the sale of a mortgaged property because the borrower has not made payments or met the terms of the mortgage.  A foreclosure can also be defined as a repossession of the property by the lender.


The City of Stockton is concerned that too often, individuals purchase a home without sufficient consideration or understanding of their loan agreements and mortgage responsibilities.


Therefore, we are expanding our efforts to educate the public on the dangers of predatory lending, the importance of maintaining a household budget, and the alternatives to foreclosure.


Foreclosure Prevention Tips

  • Don't hide or ignore the situation.
  • Contact your lender as soon as you know you're going to miss a payment.
  • Know what options are available to you.  There are many options besides foreclosure.
  • Stay in your home and find out if you qualify for other assistance.
  • Contact a non-profit housing counselor to review your situation.
  • Don't sign anything you don't understand.
  • Beware of Predatory Lending.
  • If you have to sell your home, do a background credit check on your buyer.
  • Develop and maintain a household budget.
  • Understand your credit and how to use it wisely.  A foreclosure notice can lower your credit score for up to 7 years.


Reporting Mortgage Fraud

If you suspect that you have been a victim of mortgage fraud or are aware of a possible scam, you can report it by calling the Mortgage Fraud Hotline, 1-800-4FRAUD8 (1-800-437-2838).  You can also contact the California Attorney General's office, 1-916-445-9555.


Lenders and Agencies

The first step to owning a home or protecting your investment, is to become informed of your many options and alternatives.


Please take a moment to look through the Housing Division's resource listing. 



  • All American Mortgage - (209) 754-9412
  • Bank of America - (800) 846-2222
  • California Housing Finance Agency (CalHFA) - (800) 669-1079
  • Chase Home Finance - (800) 848-9316
  • Citimortgage - (800) 374-8814
  • HSBC Mortgage Corporation - (800) 338-6441
  • Wells Fargo Mortgage - (800) 766-0987


  • California Rural Legal Assistance - (209) 946-0605
  • Clearpoint Credit Counseling Solutions - (800) 750-2227
  • National Foreclosure Hotline - (888) 995-HOPE
  • NID-HCA - (209) 952-8806
  • Sacramento Neighborhood Housing Services, Inc. - (209) 473-4363
  • Visionary Home Builders of California - (209) 466-6811
  • US Department of Housing and Urban Development (HUD) - (800) 569-4287

Other Housing Related Agencies

  • Housing Authority of San Joaquin County -  (209) 460-5000
  • San Joaquin Fair Housing Association -  (209) 451-3471
  • Women's Center of San Joaquin County -  (209) 941-2611
  • SJC Neighborhood Preservation Office - (209) 468-3021
  • Stockton Shelter for the Homeless - (209) 466-2605


External Links

California Rural Legal Assistance

Clearpoint Credit Counseling Solutions

Visionary Home Builders of California

US Department of Housing and Urband Development (HUD)

Housing Authority of San Joaquin County

San Joaquin  Fair Housing Association

Women's Center Youth and Family Services

This City of Stockton web page last reviewed on --- 5/10/2016