Foreclosure Prevention for Property Owners

Call us for free help: (833) 238-4450

You can reach a counselor Monday through Friday, 8 a.m. to 4:30 p.m.

Free Webinars: Help for Homeowners

Help for Homeowners free webinarsThis free Help for Homeowners series of webinars, hosted by the Los Angeles County Department of Consumer and Business Affairs’ Foreclosure Prevention Unit and other subject-matter experts, will provide L.A. County homeowners with the information and resources they need to manage through this difficult time.

Upcoming Help for Homeowners webinars:

Wednesday, January 12, 2 p.m.

The California Foreclosure Process and Foreclosure Protections (en español)

Register here

Previously recorded webinar presentations:
The California Foreclosure Process and Foreclosure Protections

Watch all previous Help for Homeowners webinars on DCBA’s Youtube page, including:

Frequently Asked Questions

For Property Owners Impacted by COVID-19

Are there any mortgage assistance programs that could help pay my mortgage?

On September 15, 2020, the Board of Supervisors passed a motion to reallocate $5.5 million dollars to expand foreclosure prevention counseling services in the County and to establish a mortgage relief fund. The Department of Consumer and Business Affairs has partnered with Neighborhood Housing Services of Los Angeles County (NHSLA) and its network of counselors to provide foreclosure prevention counseling services to property owners of Los Angeles County. Furthermore, eligible property owners may qualify for up to $20,000 to pay for missed mortgage payments.

Beginning April 12, property owners and landlords of 2-4 units may contact NHS at (888) 895-2647, or visit to apply for assistance. To be considered for the mortgage relief fund, you must meet the following criteria;

  • Property must be owner occupied
  • Located in the County of Los Angeles, except the City of Los Angeles
  • Demonstrate a COVID-19 related hardship
  • County property owners of one (1) unit with 80% Area Median Income or below with a loan balance up to $726,525;
  • County property owners of 2-4 units with 150% Area Median Income with a loan balance of up to $1,000,000.00

Unfortunately, properties located in the City of Los Angeles are ineligible for mortgage relief assistance and owners may inquire about relief through the City’s Emergency Renters Assistance Program at (866) 557-7368 or visit, or California’s COVID-19 Rent Relief Program at (833) 430-2122 or visit

What relief are lenders offering property owners impacted by COVID-19?

Property owners impacted by COVID-19 may be eligible for temporary relief. The federal, state, and local governments announced several protections. Whether your loan is owned by the government, a national or state charter bank, or private institution, you may be eligible to reduce or delay payments for up to 18-months. This type of arrangement is called a Forbearance Plan/Agreement.

Furthermore, lenders may be limited in initiating foreclosures during the State of Emergency related to COVID-19. Please contact the Los Angeles County Disaster Help Center at (833) 238-4450, to assist you with inquiring about your eligibility or other foreclosure avoidance options.

Will I be charged a late fee?

Depending on the assistance provided by your lender, late fees may be waived during the agreement period.

Will my credit be impacted for not making payments?

Depending on the assistance provided by your lender, negative reporting to the credit bureaus may be suspended for the duration of the agreement period.

What if I am denied a forbearance?

If a lender denies a request for forbearance, they are required to provide a detailed explanation within 21-days of the denial, including ways to remedy the request.  If a revised request is provided to the lender, the lender has 5-days to either approve or deny the request.

What happens at the conclusion of the forbearance agreement?

Lenders are required to discuss information with borrowers concerning post forbearance loss mitigation options.

A new rule issued by the Consumer Financial Protection Bureau (CFPB) provides significant new rights to homeowners who are exiting a mortgage loan forbearance or experiencing a hardship related to COVID-19.  From August 31, 2021 to December 31, 2021, certain servicers will be required to adhere to additional safeguards before initiating a foreclosure.  Beginning August 31, servicers will be encouraged to offer certain streamlined loan modifications without a borrower submitting a complete loss mitigation application.  Additionally, servicers will be required to continue reasonable diligence efforts at the end of a forbearance.  From August 31, 2021 to October 1, 2022, servicers are required to comply with new early intervention requirements for borrowers who have defaulted on their loan.

Please contact the Los Angeles County Disaster Help Center at (833) 238-4450, to assist you with inquiring about your options.

Will the foreclosure moratorium be extended?

The foreclosure moratorium previously in place, which had prevented certain lenders from the initiating or completing foreclosure proceedings, has not been extended past the sunset date of July 31, 2021.  While certain borrowers may still qualify for a forbearance, it is important to speak with a trustworthy source of information. If you or someone you know is experiencing an issue with paying your mortgage, please contact the Los Angeles County Disaster Help Center at (833) 238-4450, to assist you with inquiring about your eligibility.

What is considered a COVID-19 hardship?

A COVID-19 hardship could be; a reduction or loss of income due to reduced hours, layoffs, or substantial decrease in business income caused by any local, state, or federal government response to COVID-19, or if you or someone you are caring for is being treated for the disease.

I’m a landlord and my tenant’s inability to pay rent has created a financial hardship for me. Can you help me?

A new bill was passed in California requiring lenders to provide a forbearance plan to landlords with qualifying loans and who are experiencing financial difficulty due to a tenant’s inability to pay rent. To learn if you qualify for a forbearance or other loss mitigation option, please contact the Los Angeles County Disaster Help Center at (833) 238-4450 or by email at

For assistance with your lender, please contact the Help Center at (833) 238-4450, to assist you with inquiring about your options.

Updated Sept. 2, 2021