Homeowners will get a chance to negotiate face-to-face with their lenders to find ways to avoid foreclosure during workshops today in Manteca and Saturday in Modesto.
Free unbiased financial counseling also will be offered to homeowners.
Representatives from Chase, Wells Fargo, Washington Mutual, IndyMac and Countrywide will be there to discuss possible loan modifications and other options to avoid foreclosure.
Nonprofit counselors from Visionary Home Builders, Community Housing & Shelter Serv- ices, Asian Inc., ByDesign Financial Solutions, El Concilio and Project Sentinel will offer neu- tral advice about how foreclosure can be avoided.
The counselors have been trained and certified by the U.S. Department of Housing and Urban Development, and they will not be selling any services or promoting any companies.
Today's event will be from 2 to 8 p.m. at Man- teca's Senior Center, 295 Cherry Lane.
Saturday's workshop will be from 9 a.m. to 3 p.m. at Harvest Hall, Stanislaus County Agriculture Center, 3800 Cornucopia Way, Modesto. The complex is off Crows Landing Road between Whitmore Avenue and Service Road.
The events will feature seminars designed to help homeowners avoid scams that target people facing foreclosure. Information on negotiating with lenders, mortgage workout options and tax consequences of forgiven loans will be provided.
Reservations are not needed, and people will be seen on a first-come basis. Any homeowner can attend.
Spanish translators will be available to help.
Homeowners are encouraged to bring all their mortgage documents and financial records, and to download and complete the workshop intake form and budget worksheet posted online at www.modbee.com/housing.
The workshops are organized by a community group called No Homeowner Left Behind Central Valley, with the help of assorted elected officials and local governments.
Future workshops are planned for Oct. 25 and Nov. 22 in Modesto.
Bee staff writer J.N. Sbranti can be reached at email@example.com or 578-2196.