Home Retention Programs:
The U.S. Department of the Treasury and the Department of Housing and
Urban Development (HUD)
Offers features including interactive self-assessment tools that will empower borrowers to determine if they’re eligible to participate and calculate the
monthly mortgage payment reductions they could stand to realize under
the Making Home Affordable program.
888-995-HOPE™ hotline, the Homeownership Preservation Foundation
has a single mission: to help homeowners avoid foreclosure. We are an
independent nonprofit that provides HUD-approved counselors dedicated
to helping homeowners.
The help we offer is free.
Detailed information on specific programs
please click on the appropriate link below.
. Making Home Affordable Refinance 
. Making Home Affordable Modification
. HOPE For Homeowners (H4H)
. Countrywide Financial (Bank of America)
. Citigroup, CitiMortgage
. JP Morgan Chase & Co.
. IndyMac Federal Bank, FDIC
. Federal Government Loan Modification (Participants include: Fannie Mae, Freddie Mac, Federal Home Loan Banks, Hope Now participants, Department of the Treasury, Federal Housing Administration and the Federal Housing Finance Agency, and Wells Fargo.)
Mortgage loan modifications typically are handled on a case-by-case basis. Homeowners having difficulty meeting their mortgage obligation or interested in finding out more about a loan modification program should start by contacting their lender. Prior to calling a lender or loan servicer, homeowners should have the following information available:
. Loan number
. Income information and documentation
. Most recent mortgage statement
. Bank statements
. Letter demonstrating financial hardship
http://www.car.org/legal/mortgage-workout-programs/?view=Standard
Consumer Alert - Advance Fees and Loan Modification Services
California Civil Code Section 2945, which regulates "foreclosure consultants", forbids anyone who falls under the definition of a “foreclosure consultant”, as well as a real estate licensee, from collecting any advance fees for these types of services if a Notice of Default has been recorded against your property.
Licensed real estate brokers who provide loan modification or similar services without collecting fees in advance are not required to receive the Department of Real Estate’s permission as long as their services are fully completed before you pay them.
The Department of Real Estate web site explaining the Advance Fees and Loan Modification Services.
http://www.dre.ca.gov/mlb_adv_fees.html