HUD-approved and operating since 1984, San Diego Home Loan Counseling at 3180 University Ave #260 in North Park's 92104 ZIP code provides bilingual English-Spanish housing education and mortgage counseling as a nonprofit agency. Services cover pre-purchase counseling, mortgage delinquency resolution, and predatory lending education, connecting first-time buyers with local financing sources like AZVIA Commercial Financing. Post-purchase workshops help existing homeowners navigate loan modifications, budget management, and default prevention before foreclosure proceedings begin. The agency's homebuyer preparation curriculum complements the work of neighborhood real estate practices such as CORE Real Estate Services by ensuring borrowers qualify for sustainable mortgages. The center's most complex engagements involve multi-lender default mediations where HUD protocols require simultaneous loss-mitigation analysis across primary and subordinate liens.