Cindy Whited said she had a sense that something was about to give in the housing market last year.

The tide might finally be cresting around the Bay Area: A typical house, costing $655,000 in August, could be had for $625,000 last month.

MODESTO

Despite the tough real estate market, Northern San Joaquin Valley agents offered tips to help homeowners sell their houses more quickly.

Before reaching the point of default -- or even applying for a loan -- home buyers should keep the following strategies in mind, according to experts.

Here are the HUD-certified counseling services in the Northern San Joaquin Valley that offer free advice about buying a home and resolving mortgage problems.