Internal Revenue Service (www.irs.gov): Mortgage Debt Relief Forgiveness

• Link to consumer brochure
• IRS publication
• Home Foreclosure and Debt Cancellation - Summary of HR3648
• Mortgage Debt Forgiveness: 10 Key Points

CA Franchise Tax Board

• Summary of SB 401

• Federal Reserve
• OCC

Servicemembers Civil Relief Act (SCRA)

• OCC Comptroller's Handbook on SCRA
• http://www.military.com/benefits/military-legal-matters/scra/servicemembers-civil-relief-act-overview.html
• http://www.justice.gov/usao/az/rights/Servicemembers_Civil_Relief_Act.pdf

Making Home Affordable (www.makinghomeafforadable.gov)

• Find out if Fannie Mae or Freddie Mac own your loan
• MHA Participating Servicers List
• HUD approved housing counselers: call 800-995-HOPE (4673) No cost to consumers for HUD approved counselor support.
• Link to all non-GSE HAFA standard forms and agreements
• Questions: ssdil@hmpadmin.com; Escalations: escalations@hmpadmin.com

Fannie Mae and Freddie Mac

• Fannie Mae website for consumers in trouble to understand and navigate their options
• Fannie Mae loan lookup
• Fannie Mae list of participating HARP lenders (Fannie Mae website)
• Freddie Mac loan lookup
• Freddie Mac avoiding foreclosure resource center
• Freddie Mac list of participating HARP lenders (Freddie Mac website)
• HARP press release by FHFA (Federal Housing Finance Agency)

HUD/FHA and VA

• FHA national servicing center at 877-622-8525
• Resource link for VA's interest rate reduction loan (IRRRL)

• Agency website
• Hardest Hit Funds Program "Keep Your Home California" website
• Federally designated target areas information
• Homebuyer programs - list of preferred loan officers
• California Homebuyer's Downpayment Assistance Program

• General info
• Information on homebuyer education counseling
• CHDAP income limits when using an FHA first mortgage
• CHDAP income limits when using a VA, USDA, or Conventional first mortgage

• CalHFA property sales price limits
• MCC participating loan officers
• MCC County resource list
• To find an organization providing IDA's, visit the following link and search in California: http://cfed.org/programs/idas/directory_search/