California Homeowner Bill of Rights

In response to the foreclosure crisis and widespread evidence of mortgage lender and servicer abuses in the foreclosure process, the California legislature passed the Homeowner Bill of Rights (HBOR). HBOR, which became effective on January 1, 2013, applies to all mortgage servicers, although some of the procedural requirements are less stringent for very small servicers.

HBOR helps struggling homeowners by prohibiting dual tracking (the practice where a servicer continues foreclosure proceedings while simultaneously considering a loan modification application), requiring large servicers to appoint a single point of contact for homeowners facing foreclosure, requiring large servicers to establish a loan modification appeals process, and prohibiting robosigning, among other things.

Facing Foreclosure? We've helped 75 clients find attorneys today.
First Name is required
Continue
First Name is required
Continue

More Legal Topics

FACING FORECLOSURE ?
Talk to a Foreclosure attorney.
We've helped 75 clients find attorneys today.
There was a problem with the submission. Please refresh the page and try again
Full Name is required
Email is required
Please enter a valid Email
Phone Number is required
Please enter a valid Phone Number
Zip Code is required
Please add a valid Zip Code
Please enter a valid Case Description
Description is required

How It Works

  1. Briefly tell us about your case
  2. Provide your contact information
  3. Choose attorneys to contact you