Southern Marin County.

Fighting Foreclosure in California

START HERE: As soon as you are facing foreclosure and prior to attending our foreclosure workshops, please completely fill out the Worksheet/Budget Form and call to make an appointment: 415.444.0915.

The home must be where you live. It must be a single family home, which includes a duplex, threeplex or fourplex. Investment properties are not included in home-save efforts. When you have your papers together, please call for an appointment: 415.444.0915. Please bring all your documents with you.

Meetings

Meetings are for individuals facing foreclosure only; NO DROP-INS. Please let us know if you will be attending: 415.444.0915. All Information shared during meetings is confidential.

Step-by-Step

Please make a file with the following papers . . .

  1. COMPLETED WORKSHEET/BUDGET: For your first meeting with Marin Family Action;
  2. COPIES OF:
    • Monthly utility bills
    • Monthly credit card statements
    • Monthly bank statements
    • PROOF OF INCOME: Check stubs for the most recent available 30 days. For self-employed individuals, we need six months of income verification.
    • If part of your income is from roommates, you will need a signed letter from each roommate indicating amount paid monthly;
  3. HARDSHIP LETTER: Include a timeline of when your problems started. Write your own or use the Hardship Form from the Federal Government;
  4. LAST TWO YEARS OF TAX RETURNS: W2's and 1099's. If self-employed, please provide business tax returns for prior two years.
  5. MONTHLY MORTGAGE STATEMENT: Most recent available;
  6. PROPERTY TAX BILL: Most recent available;
    • If you have a letter from your County Assessor indicating that your house has devalued and your taxes have been lowered, include that also.
  7. HOMEOWNERS INSURANCE STATEMENT: Most recent available;
  8. ALL LEGAL DOCUMENTS/CLOSING STATEMENTS: Ideally, you will have your entire closing package. This is extremely important, especially since you will probably want a forensic audit conducted. (Your title company may be able to provide a duplicate set on disc.)
  9. CORRESPONDENCE FROM YOUR LENDER: DO NOT IGNORE YOUR LENDER. Track all contact with anyone you talk with regarding your home: Include date, time, phone number, name of person, location of office, badge number; Include foreclosure notices if you have them.
    • A copy of the Notice of Default and Notice of Sale: We need the name of the trustee;
    • A copy of the foreclosed "trustee's deed." Available at the County Recorder's Office.
  10. KNOW YOUR EXACT ADDRESS. Go to usps.gov, click on "find a zip code," type in your address. This is the address that Fannie Mae and Freddic Mac use. Please use this address.

Miscellaneous Forms, Information, Contacts

Additional Steps You Can Take to Avoid Foreclosure.

Additional Reading