California Consumers

Pursuant to California Civil Code Section 2923.5– Foreclosure Requirements, the following information is provided to California Residents whose mortgage is serviced by Dyck-O’Neal Inc:

  1. The following options that may be available to borrowers who are unable to afford their mortgage payments and who wish to avoid foreclosure:  delinquency curing (Second Chance program), loan settlement, loan modification, deed in lieu, and short sale.
  2. Following is a list of financial documents borrowers should collect and be prepared to present when discussing options for avoiding foreclosure:  Your last two years’ of tax returns, including all supporting schedules; a confidential financial statement (form will be made available to you), and most recent pay stub from your employer, if available. 
  3. Our toll-free number for discussing your mortgage options is 800-447-2481, x-2161.

To find a HUD-certified housing agency. call (800) 569-4287

The following link will take borrowers to a list of HUD Approved Housing Counseling Agencies: HUD Approved Counseling Agencies

Other Helpful Resources: