Help My California Home

Behind on your mortgage? You have more options than you think.

Calm, plain-language help for families in Los Angeles, Orange, Ventura, Riverside and San Bernardino counties. No judgment. No scare tactics.

Call Carlos 818.447.5224 Text Carlos

Where am I in the process?

Pick your stage and see what it means and how much time you may have.

Your options

Keep the home, or leave on your terms — pros and cons of each path.

Free help & scam warnings

HUD-approved counselors and legal aid cost you nothing. Never pay upfront for a loan modification.

Three things to know today

  1. In California, most foreclosures are non-judicial and take months, not days. There is usually time to act.
  2. You can generally reinstate (catch up) your loan up to 5 business days before the sale date.
  3. Open your mail and call your servicer. Ignoring letters is the most common — and costly — mistake.

Latest updates

Orange County: fire or flood damage? You may be able to delay your Dec 10 property tax payment

On Oct 21, 2026 Orange County Treasurer-Tax Collector Shari Freidenrich said owners whose property was damaged or destroyed by the recent coastal flooding and fires may qualify for property tax relief. First, file an Application for Reassessment of Property Damaged by Misfortune or Calamity with the OC Assessor. If the Assessor approves it and confirms you qualify for deferral, your 2026-27 first installment can be put off without penalty or interest until the property is reassessed; the old bill (and any penalties) is cancelled, a lower corrected bill is mailed, and you have 30 days to pay it. For a home with a homeowners' exemption, the damage generally must be at least 10% of its value or $10,000, whichever is less. Deferral isn't available if your taxes are paid through a mortgage impound (escrow) account. Otherwise, the first installment is still due by Dec 10, 2026. Update your mailing address so you get the new bill, and see octreasurer.gov/faq/property-tax-disaster-relief or call 714-834-3411.

Source

LA fire survivors: California orders lenders to report on held-back insurance money

On Oct 15, 2026 California's Business and Consumer Services Agency (BCSA) and Department of Financial Protection and Innovation (DFPI) ordered mortgage lenders and servicers to report how they have handled insurance payouts for Eaton and Palisades fire survivors, including whether all funds were released, how long it took, and why any money was delayed or withheld as of Sept 30, 2026. The state is investigating lenders that delayed payments, failed to offer a timely appeal, or kept insurance money after a loan was paid off. Under AB 493 (2025), lenders must also pay you interest on insurance proceeds they hold in escrow while you rebuild. If your lender is sitting on your insurance check, file a free confidential complaint with DFPI at dfpi.ca.gov/file-a-complaint.

Source

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Success stories

Example format only — not a real testimonial. We only publish real stories, with written permission.

[Situation: stage of foreclosure, county] → [Option chosen] → [Outcome]

— Your story could be here

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Call or text Carlos: 818.447.5224 · Text · carlos@carlossotelo.com

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