Short Sale Debt - Prudential California Realty

>> Non-Profit Counseling Agency

Don't know where to turn or how to begin looking for help with your home mortgage? We can help get you on the right track to a fresh start.

The National Association of Real Estate Brokers-Investment Division, Inc., Housing Counseling Agency (NID-HCA) is a not-for-profit, HUD-approved Housing Counseling Intermediary agency.

NID-HCA was founded to address the huge void of access to non-predatory and culturally-relevant housing information, resources and services to historically underserved urban, suburban and rural minority populations and communities throughout our nation.

Most of the services we provide to consumers are FREE OF CHARGE.
All foreclosure-related counseling is FREE.

NID-HCA Certified Counselors are available to assist you in making your mortgage more affordable. They are located in your community and are available to meet with you in person. Keeping homeowners in their homes helps to maintain viable and sustainable households and communities. Our counselors, who are vested community advocates, have been stewards of community building since our inception.


Foreclosure Prevention and Loan Modification

NID-HCA is one of the largest, HUD approved intermediary housing counseling agency in the nation. Based in Oakland, CA, NID-HCA serves diverse multicultural clients in 75 local branch offices in 22 states and the District of Columbia. NID-HCA provides services through a network of more than 400 certified housing counselors.

• NID-HCA’s Foreclosure Prevention Solution is based on the following:
• Face to face interview with client to obtain their housing needs
• Counsel client on the foreclosure/ loss mitigation process and options
• Identify available resources to meet the client’s needs
• Documentation of clients necessary expenses
• Provide individualized budget counseling
• Design and explain a counseling plan that addresses the client’s needs
• Establish a dialog with the lender/servicer
• Achieve an affordable mortgage payment
• Recommend additional private and/or group counseling sessions as necessary


Pre-Purchase Counseling and Education

Our homebuyer education program is designed to meet the needs of persons with little or no knowledge of the home-buying process and is formatted to equip every client with the information needed to make an informed home-buying decision.

At the same time, our program is useful for clients who have some home-buying knowledge or experience. It is designed to not only teach the fundamental steps of buying a home, but also to explain the reasoning behind many decisions that must be made throughout the process.

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Consumer Credit Education

If you're thinking about buying a home, you should be thinking about your credit first. Understanding your credit is the first step when considering homeownership.

When you apply for a mortgage, lenders will review your credit report. Your credit report is a history of how you've managed your finances: it's a record of money you've borrowed, your history of paying it back, and how much open credit is available to you.

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To learn more on how to get started...with non-profit counceling please use form.

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Our mission is to improve the quality of life in America's cities. We will accomplish this as partners, working together with our friends and neighbors. We will help our communities become places where families can live in a safety, prosperity and harmony; places where the American dream of home ownership can flourish; places where fair, decent and affordable housing is a reality for all people.

Certified Housing Counselor
NID Housing Counseling Agency
Inland Empire Regional Office


Tips for Borrowers:

Tip 1: Communication is Key

Communicate with your lender as soon as you realize you have a problem.

Read More Tips for Borrowers

Glossary - Terms We Should Know


Home l Short Sale l Commercial l Loan Modification l Coverage Area l Counseling l Investors l Glossary l Become A Partner l Partner Login

ShortSaleDept.com / Roy Pelayo Broker / Short Sale Specialist / REO / Commercial a REIMCORP, Inc., company.

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The information contained in this website is intended to be used for informational purposes only and to provide a general overview of the topics described herein. There may be tax and other legal consequences associated with a short sale. ShortSaleDebt.com makes no representations or warranties concerning potential tax or legal consequences relating to any final disposition of any property. Clients are advised to consult with a tax professional regarding the potential tax consequences for their particular situation. ShortSaleDebt.com is providing a service in response to a complex situation and offers a recommended solution where possible. Nothing is represented as tax advice to our clients as every situation may result in different tax consequences. ShortSaleDebt.com is not a law firm or an accounting firm and regarding any specific questions relative to any transaction, ShortSaleDebt.com strongly encourages all parties, agents, and brokers involved in a transaction to seek such advice from a professional advisor.

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