If you are behind in your mortgage payments, or headed in that direction, you have options.  The NID Housing Counseling Agency is offering free Housing Counseling Clinics for homeowners having difficutly maintaining their monthly mortgage payements because of:

-Property Value Decline/Can’t Refinance
-Situations beyond your control
-Increased Mortgage Payment
-Adjustable Rate Mortgage
-Loss of income/job
-B a n k r u p t c y
-Foreclosure

Date: Every Wednesday 5:00pm – 7:00pm and
Every 1st and 3rd Saturday, 10:00am – 3:00pm
Starting: February 18, 2009
Where: 3560 Grand Avenue, Oakland, CA 94610
Registration: (510) 268-9792 or Toll Free (877)964-3422
(877) 9NI-DHCA

Drop-in also accepted
www.nidonline.org