On July 22, 2009, HOC, in partnership with HUD and RCAC (Rural Community Assistance Corporation), hosted a special training which covered a) HUD Counseling Application Process, and b) HUD Housing Counseling Compliance. The full day, two-segments event, was divided into a morning and an afternoon session. Total attendance was 61 representatives from mostly nonprofit organizations that were interested in learning about the application process needed for a new HUD approved housing counseling agency, as well as from existing agencies that wanted to learn about compliance issues. The training was delivered by Teresa Bardwell, Rural Development Specialist -Housing, from RCAC. Vino Pajanor, HOC's President and Executive Director, as well Myrna Pascual, HUD's Field Policy Management; were moderators for the event.

On July 6, 2009 at HUD's offices in San Diego on 750 B street Suite 1600, HUD and HOC hosted a housing counselors meeting with Congressman Bob Filner. During this meeting, Certificates of recognition were awarded to Housing Counselors for their participation in a HOC workshop. Congressman Filner wanted to hold this meeting to receive feedback from the counselors regarding the current loan modification process with respect to the housing crisis. Congressman Filner promised to share the housing counselors' feedback to the U.S. Congress. The meeting was co-hosted by HOC and HUD. Vino Pajanor, HOC's President and Executive Director was the moderator. Frank Riley and Myrna Pascual, HUD's Director and Field Policy Management, respectively, graciously hosted and co-chaired the meeting.

On April 23, 2009, HOC participated in the 20th Annual Barbara Webb Career Fair/Expo which was attended by over 10,000 visitors, which took place at the Golden Pavilion at 202 C Street in San Diego CA, 92101. At this event, HOC had a booth to promote the HOME Clinics. Vino Pajanor, HOC's President and Executive Director was a speaker in one of the panels.

Housing advocacy and grassroots community organizations gathered in front of the Federal building in downtown San Diego to bring attention to prolonged foreclosure crisis and demand local and federal solutions. Despite relief plans from both the Bush and Obama administrations the majority of San Diegans in foreclosure have little to no options or relief. Coalition is asking for Federal Legislation to ensure that this type of crisis does not repeat itself again. The Press Conference was organized in response to NCRC's call to action and the culmination of San Diego's Week of Action! NCRC partner organizations in 50 cities across America including San Diego, organized similar events and programs. Our valued partner California Reinvestment Coalition along with other organizations conducted similar events in San Francisco and Los Angeles. In San Diego, the Press Conference was the culmination of the San Diego's Week of Action, which featured HOME Workshops and HOME Clinics. We hope that our joint efforts with NCRC and CRC will bring about change, revitalize hope and deliver solutions. We thank our partners who worked tirelessly in organizing and making San Diego's Week of Action a success.

On May 2, HOC held its HOME Clinic # 37 at the Golden Avenue School in Lemon Grove, CA. This HOME Clinic was held in collaboration with the Lemon Grove Public Library. Over 110 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 60 families received individual counseling from HUD approved housing agencies. Over 20 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, FHA Secure, and other relevant information was provided to local homeowners. A customer satisfaction ratio of 98% was achieved at this HOME Clinic.

On April 18, HOC held its HOME Clinic # 36 at the Scenic Valley Center Public Library in Valley Center, CA. Over 96 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 45 families received individual counseling from HUD approved housing agencies. Over 20 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, FHA Secure, and other relevant information was provided to local homeowners. A customer satisfaction ratio of98% was achieved at this HOME Clinic.

On April 29, 2009 The Housing Opportunities Collaborative received a special award: the Outstanding Service By a Distinguished Organization. This award was granted by the San Diego County Bar Association. The text of the award reads: "Outstanding Service by a Group or Association Not Composed Primarily of Lawyers or Judges, the Contribution of Which Over a Period of Time Have Had a Significant Impact on Some Facet of the Legal System. This award was presented to HOC at the Annual Awards Luncheon on April 29, 2009.

On March 28, HOC held its HOME Clinic # 34 at the Gloria McClellan Senior Center in Vista, CA. Over 115 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 53 families received individual counseling from HUD approved housing agencies. Over 31 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On March 25th, HOC held it's second Housing Counselors Roundtable at its offices located at 4305 University Avenue, San Diego, CA. Over 31 housing counselors from HUD approved housing counseling agencies and other nonprofits attended the roundtable. The workshop covered key issues such as i) Mortgage Reductions by Bankruptcy Judges/Realtor Issued, presented by Yamila Ayad, HOC's Board Member; ii) Ethics, Performing Counseling for a fee, by Ashley Abano, Esq.; iii) Affordability and Stability Plan, by Mary Ann Erickson of Community Housing Works, and iv) Homeowner Options: When Loan Modifications and Refinance is not successful, by Myrna Pascual, HUD Field Policy Management. The event was moderated by Vino Pajanor, President & Executive Director of the Housing Opportunities Collaborative.

On March 21st, HOC held its HOME Clinic # 33 at the Jacobs Center for Neighborhood Innovation in San Dieog, CA. Over 180 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 104 families received individual counseling from HUD approved housing agencies. Over 36 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On March 14, HOC held its HOME Clinic # 32 at the El Cajon Public Library in El Cajon, CA. Over 101 persons attended he Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 49 families received individual counseling from HUD approved housing agencies. Over 29 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On February 21, HOC held its HOME Clinic # 31 at the Marine Corps Air Station (MCAS) in Miramar, CA for active and retired military and naval personnel. Over 110 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 52 families received individual counseling from HUD approved housing agencies. Over 50 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On February 7, HOC held its HOME Clinic # 30 at the Poway Public Library in Poway, CA. Over 105 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 50 families received individual counseling from HUD approved housing agencies. Over 27 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

Thanks to our work with the District Attorney’s office throughout last year, District Attorney Bonnie Dumanis awarded the HOC a grant for $17,500 to continue our work in the community to help increase awareness of real estate fraud. With the help of this grant, the HOC will: (1) Create a phone tree to deliver important educational housing related messages, (2) Purchase a projector to deliver presentations at our HOME Clinics and workshops, and (3) Produce a DVD to raise public awareness about housing resources and how to avoid being defrauded. We are so proud of this grant and the respect and support we have earned from the District Attorney’s office. Shown here accepting the check on behalf of the HOC is Yamila Ayad, board member and vice president of the HOC; Myrna Pascual, HUD’s Field Policy Management Director and yours truly.

On January 24, HOC held its HOME Clinic # 29 at the Encinitas Public Library in Encinitas, CA. Over 180 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 67 families received individual counseling from HUD approved housing agencies. Over 33 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

Gary Wong, Senior Vice President/Regional Manager, and Kathy Patoff, Vice President, of Union Bank of California visited our office to present a grant check for $10,000. This grant will further the Collaborative's effort to organize and conduct HOME Clinics in San Diego. We thank Union Bank of California for its generosity.

On January 17, HOC held its HOME Clinic # 28, the first of 2009, at the Martin Luther King Jr. Community Center in National City. Over 120 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 82 families received individual counseling from HUD approved housing agencies. Over 33 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On December 10, HOC held its HOME Clinic # 27, the last one for the year, at 4305 University Avenue, Conference Room # 640 in San Diego. Over 45 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 30 families received individual counseling from HUD approved housing agencies. Over 31 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On December 10, 2008, HOC held its second Workshop on Foreclosure Prevention at the Chula Vista Public Library. This event was part of a series of three workshops. The first workshop was held in the same venue on November 12 in collaboration with the Chula Vista Library and under the auspices of Councilman Tony Ramirez. The worskshops were delivered in Spanish by Ruben Arizmendi, Esq. Over 51 homeowners attended both events and several of them attended our subsequent HOME Clinics.

On November 22, HOC held its HOME Clinic # 26, in the Good Shepherd Church in Bonita. Over 90 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 45 families received individual counseling from HUD approved housing agencies. Over 26 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On November 15, HOC held its HOME Clinic # 25, in Sherman Community Center in San Diego. Over 95 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Councilmember Ben Hueso attended the HOME Clinic and addressed the homeowners. Over 49 families received individual counseling from HUD approved housing agencies. Over 25 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners.

On November 1, HOC held its HOME Clinic # 24, in El Cajon, in collaboration with El Cajon CDC. Over 130 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 72 families received individual counseling from HUD approved housing agencies. Over 27 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On October 30, a comprehensive symposium was held in the University of San Diego, Joan B. Kroc Institute for Peace and Justice. This especial event was sponsored by the Housing Opportunities Collaborative, FDIC, the Federal Reserve Bank of San Francisco, the Comptroller of the Currency, California Bank & Trust, Price Charities, City Heights, the, United Way, Community Housing Works, the Reinvestment Task Force, the San Diego Capital Collaborative, by Burnham-Moores, Center for Real Estate, University of San Diego. There were three breakout sessions in which key issues were discussed by several experts in each panel: Foreclosure Prevention Strategies, Reclaiming REO Properties and Homebuyer Financing Strategies. Myrna Pascual, Field Policy Management from the U.S. Department of Housing & Urban Development, was the moderator for the Foreclosures Prevention Strategies Panel. Vino Pajanor, HOC, Executive Director, was one of the Panelists and also a Member of the Event Planning Committee, along with Enrique Gandarilla, Myrna Pascual, Pat Calloway, Gabe del Rio, Susan Howard, Linda Ortega, Barry Schultz, Melody Nava and Jeryldine Tully, each representing the respective sponsors of the event. Congressman Bob Filner as well as Councilman Anthony Young addressed the audience during the Plenary Session. Pat Calloway was the Master of Ceremonies. Two key presentations were delivered by Susan Peppler, Assistant Secretary, Community Planning and Development, U.S. Department of Housing, on the Housing and Economic Recovery Act; and on Foreclosures in San Diego County, by Melody Nava, Regional Manager, Southern California Community Development, Federal Reserve Bank of San Francisco. The keynote speaker was Dr. Norm Miller, Professor and Director of Academic Program, University of San Diego’s Burnham-Moores Center for Real State. The event was attended by over 150 local leaders in the areas of government, financial services, nonprofits and other organizations. HOC was designated as the going forward facilitator for the symposium report and the implementation plan coordination.

On October 25 HOC held its HOME Clinic # 23, in Chula Vista, CA, in collaboration with the Public Library of Chula Vista. Over 95 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 66 families received individual counseling from HUD approved housing agencies. Over 22 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners

On October 22, HOC held a Workshop on Preventing the Trustee Sale. This Workshop was attended by 26 representatives from several housing counseling agencies, mortgage companies and other community based non-profit organizations. The workshop was led by Roy Landers; Esq., and it covered Document Essentials, Loan Servicer and Holder of Note issues, as well as how to prevent the trustee sale strategies. This Workshop was hosted by HUD and moderated by Myrna Pascual, HUD Field Management.

On October 18 HOC held its HOME Clinic # 22, in Escondido, CA, in collaboration with the City of Escondido. Over 55 persons attended the Clinic, as well as educational sessions on foreclosure prevention and on foreclosure and bankruptcy options. Over 33 families received individual counseling from HUD approved housing agencies. Over 25 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners.

On October 16, HOC held its Fourth San Diego Housing Agencies Forum in Metro County. This Forum was attended by representatives of City Heights CDC, Fair Housing Council, Mabuhay Alliance, Union of Pan Asian Communities, San Diego Urban League, Local Initiatives Support Corporation, Sherman Heights, Community Center, Community Housing Works, and Springboard. The participants discussed their respective priority needs, available programs and resources as well as their priorities from a strategic point of view in order to incorporate such issues into a San Diego Regional Plan for purposes of the San Diego REO Symposium of October 30. This Forum was hosted by HOC and was moderated by Myrna Pascual, HUD Field Management.

On October 9, HOC held its Third San Diego Housing Agencies Forum in East County. This Forum was attended by representatives of the City of El Cajon, El Cajon CDC, the Center for Social Advocacy, East San Diego California Association of Realtors, Crisis House, Community Housing Works, and Springboard. The participants discussed their respective priority needs, available programs and resources as well as their priorities from a strategic point of view in order to incorporate such issues into a San Diego Regional Plan for purposes of the San Diego REO Symposium of October 30. This Forum was hosted by El Cajon CDC and was moderated by Myrna Pascual, HUD Field Management.

On October 4 HOC held its HOME Clinic # 21, in Ontario, CA, in collaboration with Mabuhay Alliance. Over 210 persons attended the Clinic, as well as an educational session on foreclosure prevention. Over 150 families received individual counseling from HUD approved housing agencies. Over 13 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners.

On October 2, HOC held its Second San Diego Housing Agencies Forum in North County. This Forum was attended by representatives of the City of Escondido, City of Vista, Fair Housing Council, Faith-Based CDC, North County Lifeline, Community Housing Works, and Springboard. The participants discussed their respective priority needs, available programs and resources as well as their priorities from a strategic point of view in order to incorporate such issues into a San Diego Regional Plan for purposes of the San Diego REO Symposium of October 30. This Forum was hosted by City of Escondido and was moderated by Myrna Pascual, HUD Field Management.

On September 15, HOC held its First San Diego Housing Agencies Forum in South Bay. This Forum was attended by representatives of MAAC Project, South Bay Communities Services, Todd Tappe, Esq., and Springboard. The participants discussed their respective priority needs, available programs and resources as well as their priorities from a strategic point of view in order to incorporate such issues into a San Diego Regional Plan for purposes of the San Diego REO Symposium of October 30. This Forum was hosted by MAAC project and was moderated by Myrna Pascual, HUD Field Management.

On September 27 HOC held its first out-of-state HOME Clinic # 20, in Phoenix, AZ, in collaboration with NAHREP and the local HUD's office. Over 105 persons attended the Clinic, as well as an educational session on foreclosure prevention. Over 70 families received individual counseling from HUD approved housing agencies. Over 30 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other relevant information was provided to local homeowners.

On August 30 HOC held another successful event. HOME Clinic # 19. At this event, the Distric Attorney's Office, Councilman Tony Young and North County Chapter of the California Association of Mortgage Brokers gave special recognition/awards to the Housing Opportunities Collaborative. The event was held in collaboration with Bayview Charities in San Diego. Over 90 persons attended the Clinic, as well as educational sessions on the foreclosure and bankruptcy process. Over 48 families received individual counseling from HUD approved housing agencies, from volunteer attorneys and mortgage counselors. Over 30 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services , Fair Housing, FHA Secure, and other information were provided to homeowners.

28 participants attended the Housing Roundtable divided into three segments. The first panel covered success cases by Housing Counselors from Community Housing Works, Altria Community Housing, Mabuhay Alliance, and Novadebt; regarding loan modifications. The second panel by Yamila Ayad and Veronica Lagler, HOC Board Members, provided an update on FHA terms and conditions. The last panelist was John Brady who provided a workshop on bankruptcy. Myrna Pascual, from HUD Field Policy Management, moderated the Housing Roundtable.

In collaboration with Congresswoman Susan Davis, HOC presented a HOME Clinic at City Heights in San Diego, CA. Over 50 persons attended the clinic, and over 39 families received individual counseling from HUD approved housing agencies, volunteer attorneys and mortgage counselors. Over 15 professional volunteers counseled homeowners who are facing difficulties making monthly mortgage payments. Information about local legal services, Fair Housing, FHA Secure, and other information were provided to homeowners. John Brady, esq., made a presentation on the bankruptcy process.

HOC presented a HOME Clinic in MAAC Community Charter School in Chula Vista, CA. Over 100 persons attended the Clinic, as well as educational sessions on the foreclosure and bankruptcy process. Over 65 families received individual counseling from HUD approved housing agencies, from volunteer attorneys and mortgage counselors. Over 33 professional volunteers counseled homeowners who are facing difficulties in making monthly mortgage payments. Information about local legal services , Fair Housing, FHA Secure, and other information were provided to homeowners.

HOC participates in a community outreach event called 'National City Night Out,' in Chula Vista

On August 5, 2008 Housing Opportunities Collaborative participated in Congressman Bob Filner's Press Conference on the passage of H.R. 3221, the American Housing Rescue and Foreclosure Prevention Act. The Act is intended to help families keep their homes, aid local communities hit hard by the foreclosure crisis and strengthen the economy and financial markets.

On July 30, 2008 a special worshop was held at the San Diego HUD Field Office with the theme "All you wanted to know about Evictions." The presenters were Steven Kellman, Director of Tenants Legal Center, and Myrna Pascual; San Diego HUD Field Policy Management. Attendees were real estate professionals and staff members of HUD approved housing counseling agencies.

On July 23, HOC held its first Law Enforcement Forum which was attended by a group comprised of attorneys, real estate professionals and housing counselors. The workshop was presented by Deputy District Attorney, Michael Groch; FBI Special Agent, Jeremy Crider; and, Joseph Aiu, San Diego District Manager of the Department of Real Estate.

HOC presented a HOME Clinic at Camp Pendleton in Oceanside, CA. Over 60 persons attended this Clinic, and over 31 families received individual counseling from HUD approved housing agencies, from volunteer attorneys and from mortgage counselors. Over 40 professional vounteers counseled homeowners who are facing difficulties making monthly mortgage payments. Information about local legal services, Fair Housing,FHA Secure, and other information were given to homeowners. Retired Bankruptcy Judge John J. Hargrove gave a presentation on the CARE program joined by Springboard consumer credit management.

In collaboration with National Council La Raza, HOC presented a HOME Clinic at the San Diego Convention Center, Exhibit Hall C. Over 600 homeowners attended this Clinic, and over 350 families received individual counseling from HUD approved housing agencies, from volunteer attorneys and from mortgage counselors.Members of the San Diego County Bar Association assisted with counseling the distressed homeowners who faced foreclosure.Information about local legal services, Fair Housing,FHA Secure, and other information were given to homeowners. National Council La Raza gave educational presentations on credit/budget management and financial awareness.

On Saturday, June 28, 2008, at New Song Community Church in Oceanside,over 35 professional volunteers counseled 78 families having difficulty keeping their home. Over 110 persons attended the event. Members of the San Diego County Bar Association assisted with counseling the distressed homeowners. HUD approved housing counseling agencies and mortgage counselors reviewed homeowners' options. Fair Housing,FHA Secure, and other information were given to homeowners. Presentation on Bankruptcy and Foreclosure were presented by Attorney John Brady and Attorney Ruben Arizmendi. San Luis Rey Catholic Parish and New Song Community Church assisted in conducting this HOME Clinic.

Real Estate Law Attorney Lincoln Quintana, presented "Is there Truth in Lending?" housing workshop on Real Estate Settlement Procedures Act and Truth In Lending Act. 20 housing counselors and mortgage professionals attended this workshop held at the San Diego HUD Field Office, an event in recognition of National Homeownership Month.

Tax and Real Estate Law Attorney Jason Turner, presented "Got Taxes?" housing workshop on foreclosure problems and tax obligations. 29 housing counselors and mortgage professionals attended this workshop held at the San Diego HUD Field Office, an event in recognition of National Homeownership Month.

On Saturday, June 14, 2008, at the Hall of Justice in San Diego, over 35 professional volunteers counseled 83 families having difficulty keeping their home. Over 101 persons attended the event. Members of the San Diego County Bar Association assisted with counseling the distressed homeowners. HUD approved housing counseling agencies and mortgage counselors reviewed homeowners' options. Fair Housing,FHA Secure, and other information were given to homeowners.

Home Owner Mobile Education (HOME) Clinic at Church Hall in Heber, Imperial Valley, offering one-stop counseling for homeowners facing foreclosure. Over 35 persons attended educational sessions and 23 families received individual counseling with housing counselors, mortgage counselors, and volunteer attorneys. Congressman Bob Filner hosted this community service event.

On 5-10-08 at the Joslyn Senior Center in Escondido,over 50 professional volunteers counseled 36 families having problems paying their home mortgage. Over 72 persons attended the event. Members of the San Diego County Bar Association assisted with counseling the distressed homeowners. HUD approved housing counseling agencies and mortgage counselors reviewed homeowners' options. Fair Housing,FHA Secure, and other information were given to homeowners.

On April 22, 2008, 25 representatives of nonprofit housing counseling agencies and community organizations gathered at the San Diego HUD Field office to hear Real Estate Attorney Gary Laturno discuss short sales and describe options for homeowners having trouble making monthly mortgage payments.

Mary Scott Knoll, Executive Director of the Fair Housing Council of San Diego, presented "Fair Housing for Persons with Disabilities" to 22 housing counselors, mortgage professionals, attorneys, and staff members of community organizations. This housing workshop was held at the San Diego HUD Field Office in celebration of National Fair Housing Month.

On 4-12-08, at the Smart Money Summit at the San Diego Community Concourse, over 400 persons attended educational sessions and visited booths staffed by community agencies, financial institutions and government agencies. 183 families facing foreclosures received individual counseling from HUD approved housing counseling agencies, from mortgage counselors and from volunteer attorneys.

On April 3, 2008, Attorney Ashley Abano, presented information on how to negotiate home loan modifications. A crowd of 85 housing counselors, realtors, agents, and housing agency staff attended this workshop.

Home Owner Mobile Education (HOME)Clinic at the North Island Naval Base, offering one-stop location of counseling services for active and retired military homeowners facing foreclosure. HOC offered educational sessions on credit managementand the foreclosure & bankruptcy process. Over 125 individuals attended this clinic, and 76 families received one-on-one counseling.

Home Owner Mobile Education (HOME)Clinic at the Community Concourse in downtown San Diego, offering one-stop shop counseling for homeowners facing foreclosure. HOC offered educational sessions on C.A.RE., TILA/RESPA, credit management, and Bankruptcy Process. Over 125 individuals attended this clinic, and 78 families received one-on-one counseling.

Housing counselors and staff of social service agencies gathered to listen to Attorney John McConnin as he discussed the roles and responsibilities of Realtors and Agents. The class also reviewed real estate transaction documents and disclosure laws.

Housing counselors attended this HOC sponsored Housing Workshop on Mortgage Loans. The Instructors were Victoria Johnson (California Association of Mortgage Brokers) and Yamila Ayad (National Association of Hispanic Real Estate Professionals).

Home Owner Mobile Education (HOME) Clinic at Willie Henderson Sports Complex in San Diego, offering one-stop shop counseling for homeowners facing foreclosure. Over 50 persons attended educational sessions and 25 persons received one-to-one counseling with housing counselors, mortgage counselors, and volunteer attorneys.

Over 60 real estate industry professionals gathered for this HOusing Summit sponsored by the Housing Opportunities Collaborative. The Summit discussed housing market conditions and featured Nancy West, HUD Santa Ana Homeownership Center Outreach and Marketing Specialist.

Home Owner Mobile Education (HOME)Clinic at Ronald Reagan Community Center in El Cajon, offering one-stop shop counseling for homeowners facing foreclosure. HOC offered educational sessions on TILA/RESPA, credit management, FHA Secure, and Bankruptcy Process. Over 125 individuals attended this clinic, and 62 families received one-on-one counseling.

This Mini HOME Clinic was conducted as part of the El Cajon CDC Homebuyers Fair at the Ronald Reagan Community Center. Over 12 families received one-on-one counseling about homeownership and about foreclosure prevention.

Home Owner Mobile Education (HOME)Clinic at MAAC Community Charter School in City of Chula Vista, offering one-stop shop counseling for homeowners facing foreclosure. A representative from Department of Real Estate explained how to file a complaint about a real estate professional. HOC also presented educational sessions on Tax Law, Bankruptcy Law, and Landlord-Tenant Law. Over 300 individuals attended this clinic, and 145 families received one-on-one counseling.

Foreclosure Prevention Training by NeighborWorks America, sponsored by Housing Opportunities Collaborative held at MAAC Project in National City, California. Over 35 housing counselors from the San Diego region attended this training.

Home Owner Mobile Education (HOME)Clinic at Oceanside Library Community Rooms in City of Oceanside, offering one-stop shop counseling for homeowners facing foreclosure. HOC also presented educational sessions on Foreclosure Law, Consumer Protection Law, and Credit Management. 65 families received one-on-one counseling and over 100 persons attened the educational sessions.

Home Owner Mobile Education (HOME)Clinic at Tubman Chavez Multicultural Center in San Diego offering one-stop shop counseling for homeowners facing foreclosure. HOC also presented educational sessions on Foreclosure Law, Consumer Protection Law, and Credit Management. 41 families received one-on-one counseling and over 100 persons attended the educational sessions.

Housing Summit with Gregory Smith, San Diego County Recorder/Assessor, as main speaker on the rising number of foreclosures in the San Diego region. Nick Kufasimes, Cal HFA, and Robert McMahon from Guild Mortgage spoke about Cal HFA loans and about programs for persons with disabilities. Community Housing Works presented case studies on foreclosure prevention.

Home Owner Mobile Education (HOME) Clinic at East Valley Community Center in Escondido offering one-stop-shop counseling for homeowners facing difficulties making mortgage payments. HOC presented educational sessions on Credit Management, Landlord-Tenant Law, Family Law, and Bankruptcy Process. 30 families received one-on-one counseling and 75 persons attended the educational sessions.

Homeownership Preservation training for housing counselors. Over 40 representatives of housing counseling agencies, credit counseling agencies, and city representatives attended this event. The training covered loss mitigation, fair housing laws, predatory lending, and consumer protection.

This financial education and homeownership summit was held in the San Diego Community Concourse. Numerous financial institutions and nonprofit housing-financial counseling agencies gave information. There were education sessions on homebuying, credit management, and saving. The San Diego Reinvestment Task Force took the lead in coordinating this event. Housing Opportunities Collaborative gave information about various first time homebuying programs and about upcoming HOME clinics.

Roundtable reports and discussions among nonprofit housing counseling agencies, city representatives, Realtors/Brokers, and loan industry.

Housing Summit on first time homebuying programs offered by the various cities in the San Diego region.