Homeownership

Many local laws and courts have been affected by COVID-19. Please use the search for legal help tool to find a legal aid organization or self help center near you for accurate information and more support.

Most Frequently Viewed Resources

Read about where to file your lawsuit or case. Information on jurisdiction and venue.

If you cannot afford the filing fee or other court costs, you may qualify to have these fees and costs waived by the court.

This section will give you general guidelines for how to best prepare yourself for court.

Info about how reverse mortgages work, types of reverse mortgages available, and how to get the best deal on a reverse mortgage.

ADR is usually less formal, less expensive, and less time-consuming than a trial.

Information about fraudulent foreclosure rescue scams and where to find help.

The Constitution; Executive and Administrative Laws; County, Appellate, Supreme Court, and Federal Districts; State Legislation; and Legal Guides.

Whatever the reason, you have the right to represent yourself, to be your own lawyer in all cases in California.

A step-by-step guide on what to do when your lender changes your home equity line of credit.

Complaints within the board's jurisdiction involve failure of a licensed contractor to fulfill the terms of an agreement.

Your rights to cancel after signing a contract.

Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues.

These databases enable homeowner and automobile insurers to exchange information - without notice to you unless your state requires notice - about claims for loss of property.

How to figure out the market value.

How to protect your home and your equity.

A "utility allowance" is an amount federally subsidized tenants receive to help pay for reasonable utility bills.

Discrimination in obtaining a mortgage is against the law. If your'e in the market for a mortgage, the Federal Trade Commission (FTC) provides you with information to better understand mortgages so you'll be able to recognize if you're being discriminated against.

CalHFA offers below-market interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time homebuyers.

What to do if a mechanics lien has been recorded on your property.

Alphabetical Listing of Resources

The Buying a Home Leader?s Guide provides detailed information, written in question-and-answer format, to help teach potential homebuyers how to navigate the often complex process of purchasing a home. The guide covers such topics as how to choose a real estate professional, how to qualify for a mortgage, and what is involved in the settlement (closing) process. It also explains unfamiliar terms and provides tips and suggestions to help the purchase process go more smoothly.

The video guides consumers through the process of selecting, hiring and managing a contractor including: how to verify a contractor's credentials, what to include in the written contract How to prevent common disputes, and where to go if problems arise.

What should my first steps be? What does the Additional Living Expense (ALE) part of my policy cover? Will my insurer cover the cost if I live in a trailer during reconstruction? Who is responsible for clearing the debris from my lot and is that covered under my policy? How can I get a fair claim settlement? What are my legal rights in California? The insurance company will only pay according to its "pricing guidelines"?

The Homeowners Insurance Comparison Tool provides assistance for those shopping for homeowners, condominium, renters, or earthquake coverages.

It"s very likely that a mortgage servicer that files for bankruptcy will sell its assets under the supervision of the bankruptcy court to another financial institution and transfer the servicing of your loan to another company. A mortgage servicer that simply goes out of business probably would transfer the servicing of your loan to another company as well.

A home is one of the most expensive purchases you'll make, so it's important to know who is handling your payments and that your mortgage account is being managed properly. The Federal Trade Commission (FTC) wants you to know what a mortgage servicer does and what your rights are.

The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.

General information and resources for renters, homeless residents, first-time homebuyers, and property owners in Newark, CA.

Resources for tenants and property owners on rental assistance, affordable housing, tenants rights, discrimination, mortgage assistance, first time home ownership and more.

The Office of the Attorney General has limited, discretionary authority to intervene on behalf of homeowners who are denied certain prescribed rights provided by the California Corporations Code.

Answers to commonly asked questions around topics like evictions, tenants rights, discrimination, foreclosure and more.

A list of affordable housing facilities and housing service programs for Santa Clara county.

The Santa Cruz County Housing Authority offers multiple homeownership programs.

Section 203(k) insurance enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

This resource provides information on housing, utility, food bank, and rental assistance in Tehama County.

The purpose of this booklet is to provide basic information about using the services of a mortgage broker, which may assist you in making an informed decision when seeking a home loan

Many home warranties are backed by the builder; others are purchased by the builder from an independent company that assumes responsibility for certain claims.

A guide to avoiding contractor scams and contacting the CSLB.