AVOID FORECLOSURE “As individuals who earn their living from buying and selling residential real estate, we have both an opportunity and an obligation to help our neighbors and our local communities by trying to prevent as many foreclosures from occurring as possible.”   The best resource available to share with people in need of exploring their options and learning how they can avoid foreclosure is to contact Marisa Papitto for a private consultation at (619) 993-1565. We are encouraging homeowners who want to avoid foreclosure to seek the resources of government and private-sector organizations who have programs dedicated to solving their problems.  The federal Department of Housing and Urban Development (HUD) has a website at www.hud.gov/foreclosure that features a “Guide to Avoiding Foreclosure,” with detailed advice on contacting an HUD housing counselor, exploring loan workout solutions with lenders, and finding state and local foreclosure resources.   We also encouraging homeowners to contact “Hope Now,” a non-profit service provided by the Homeownership Preservation Foundation, a private-sector alliance of mortgage servicers, counselors and investors.  The service can be accessed over the Internet at http://www.hopenow.com and is offered at no cost to homeowners.  Hope Now provides assistance from HUD-approved private-sector counselors whose mission is to help homeowners avoid foreclosure.