Homeowner Resource Center
Homeowner Resource Center is a Laguna Beach, CA-based private firm that provides free foreclosure-prevention services to Southern California homeowners via its Keep My Home loan modification and Fresh Start short-sale programs, monetized indirectly through lender referral relationships.
- Company typePrivate
- Founded-
- HeadquartersScranton, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Homeowner Resource Center does
Homeowner Resource Center is a California-based private firm that delivers free foreclosure-prevention and distressed-homeowner assistance to residents of Southern California. Its target customer is a homeowner facing default, probate, short-sale, or other financially distressed property events who cannot easily navigate loan modification or servicer negotiations unaided. The company is headquartered in Laguna Beach, CA, and is sized at 51–100 employees, indicating an operational services business rather than a technology product.
The company offers two flagship programs — Keep My Home, which negotiates loan modifications with mortgage servicers, and Fresh Start, which structures real-estate resolutions including short sales — supplemented by adjacent services covering relocation, probate, and bankruptcy coordination. Service delivery is human-mediated through phone consultations with sales-oriented staff; there is no disclosed proprietary technology platform, no self-service portal, and no AI/ML components in evidence. Outreach to homeowners is primarily phone-based, with contact points centralized at a single email address ([email protected]) and phone number ((562) 524-1994).
The business model is unusual among consumer-financial services in that the homeowner pays nothing directly. Monetization is instead generated indirectly through lender and servicer referral relationships, with the "free" positioning functioning as both a marketing hook and a distribution advantage in a market where distressed consumers are wary of upfront fees. Go-to-market is sales-led via outbound and inbound phone consultations. Two team members are publicly associated with the firm: Scott Crawford and Brandon Soto. Public communications claim hundreds of homeowners assisted. No funding rounds, certifications, patents, or third-party awards are disclosed.
Homeowner Resource Center firmographics
Firmographics- Name
- Homeowner Resource Center
- Legal name
- Homeowner Resource Center
- Website
- https://homeownerresourcecenter.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Homeowner Resource Center is a Laguna Beach, CA-based private firm that provides free foreclosure-prevention services to Southern California homeowners via its Keep My Home loan modification and Fresh Start short-sale programs, monetized indirectly through lender referral relationships.
- Ownership category
- akta.pro rank
Homeowner Resource Center industry classification
Industry- Product category
- Foreclosure Prevention & Mortgage Assistance Services
- NAICS
- Other Community Housing Services (624229), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163)
- akta.pro primary industry
- Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs (FSALAKAM)
- akta.pro secondary industries
- Mortgage Delinquency & Foreclosure Prevention Counseling (FSAEAFAF), Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG), Home Sale & Home Purchase Assistance (HSAKAJAC)
Keywords
Where Homeowner Resource Center is headquartered
LocationHeadquarters
- HQ city
- Scranton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Homeowner Resource Center business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Foreclosure Prevention Services: Services are provided FREE to homeowners. The company appears to generate revenue through relationships with lenders who pay for successful loan modifications, short sales, or foreclosure prevention outcomes. All costs (closing costs, agent expenses) are paid by the lender in short sale scenarios.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Others | Free Services for Homeowners |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Homeowner Resource Center product offering
Product offeringCore offering
Homeowner Resource Center provides free foreclosure prevention and mortgage assistance services to homeowners facing financial hardship. Its core offerings are the Keep My Home Program (loan modification negotiation with lenders) and the Fresh Start Program (short sales and related real estate solutions), supplemented by Relocation Assistance, Probate Guidance, and Bankruptcy Resources. Services are delivered one-on-one by trained HRC agents who negotiate with lenders, prepare loan modification paperwork, and develop customized action plans at no charge to the homeowner.
Product overview
Homeowner Resource Center is a FREE resource service for homeowners facing financial hardship and foreclosure. The core offering consists of two main programs: the Keep My Home Program (loan modification assistance including reinstatement, forbearance, repayment plans, and principal reduction) and the Fresh Start Program (real estate services for selling homes including short sales, listing services, and equity recovery). These are supplemented by Relocation Assistance, Probate Guidance, and Bankruptcy Resources services, all delivered through a team of trained HRC Agents who provide free consultation and lender negotiation support throughout Southern California.
Differentiator
Problem solved
Functional benefit
Products and services
- Keep My Home Program Loan modification program in which HRC contacts the homeowner's lender to modify all or part of the loan terms, including interest rate adjustments, loan period extensions, and adding delinquent amounts to principal, in order to prevent foreclosure. For homeowners who have received a Notice of Default or are facing financial hardship.
- Fresh Start Program Real estate services for homeowners who need to sell their property, including short sales, listing services, equity recovery, and cash buyer settlements designed to help avoid foreclosure, with all costs (closing costs, agent expenses) paid by the lender in short sale scenarios. For homeowners who are upside-down, not approved for loan modification, or need to relocate.
- Relocation Assistance Service that helps homeowners find a new residence after exhausting other foreclosure-prevention options, including budget planning, credit repair guidance, and support finding affordable housing, with up to $10,000 in relocation assistance available through some lender programs. For homeowners who have tried all other options and need to relocate.
- Probate Guidance Service that evaluates whether probate is required following a property owner's death and connects homeowners with probate attorneys to navigate the legal process alongside any foreclosure challenges. For heirs and estate representatives handling inherited or reverse-mortgaged properties.
- Bankruptcy Resources Service that evaluates whether bankruptcy is appropriate for a homeowner's situation and connects them with bankruptcy attorneys for Chapter 7 or Chapter 13 filing guidance relative to their mortgage and foreclosure position. For homeowners considering or actively pursuing bankruptcy.
Quantifiable outcome
- Helped hundreds of homeowners prevent foreclosure
- +3 more outcomes
Companies that use Homeowner Resource Center
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles1 record
Homeowner Resource Center technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Homeowner Resource Center partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered minor and core.
- Paralegal: A People's ChoiceminorReferral partner for paralegal services. Homeowner Resource Center connects homeowners to this service when needed for their real estate situations.
- Probate Attorney: myattorneyla.comminorReferral partner for probate legal services. Recommended probate attorney for California homeowners navigating property transfer after owner's death.
- Probate Attorney: The Probate GuyminorReferral partner for probate legal services. An additional probate attorney recommendation for homeowners requiring probate assistance.
- Bankruptcy Attorney (Whittier area): Goodbye2DebtminorReferral partner for bankruptcy legal services in the Whittier area. Homeowners considering bankruptcy are referred here for affordable legal representation.
- Bankruptcy Attorney (All SoCal): California Bankruptcy ReliefminorReferral partner for bankruptcy legal services covering all of Southern California. Provides broader geographic coverage for homeowners needing bankruptcy assistance.
- Real Estate Litigation Attorney: Shulman BastianminorReferral partner for real estate litigation matters. Connects homeowners with legal representation for disputes or complex real estate issues.
- California Mortgage Relief Program (CAMortgageRelief.org)coreGovernment assistance program the company connects homeowners with for additional mortgage relief options. Core partner for government assistance exploration.
- Lenders (Mortgage Servicers)coreThe company's core business model depends on relationships with mortgage lenders/servicers to negotiate loan modifications, short sale approvals, forbearance plans, and foreclosure prevention solutions on behalf of homeowners.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Homeowner Resource Center competitors and assessment
Company assessmentBroad incumbents
- GreenPath Financial Wellness: Large non-profit HUD-approved credit and housing counseling agency offering foreclosure prevention, loan modification, and debt counseling. Overlaps with HRC's homeowner-facing services but operates across a much broader financial wellness portfolio and multiple states.
- Springboard Nonprofit Consumer Credit Management: HUD-approved non-profit providing foreclosure prevention counseling, housing counseling, and financial education to homeowners across multiple states. Comparable counselor-driven, free-to-consumer service model with HRC but operating as an established non-profit.
- American Consumer Credit Counseling (ACCC): Non-profit HUD-approved credit counseling agency offering foreclosure counseling and housing-related debt management. Provides similar free homeowner services but operates nationally with a broader financial-counseling portfolio than HRC's foreclosure-focused offering.
- Money Management International (MMI): Non-profit HUD-approved credit counseling agency providing foreclosure prevention, housing counseling, and debt management plans. Comparable free-to-consumer model and counselor-driven delivery, but at significantly larger national scale than HRC.
- Clearpoint Credit Counseling Solutions: Non-profit HUD-approved credit counseling organization offering foreclosure counseling, bankruptcy pre-filing counseling, and housing-related financial education — overlapping with HRC's free homeowner services but with stronger institutional backing and broader national footprint.
Emerging players
- InCharge Debt Solutions: HUD-approved non-profit credit counseling organization providing foreclosure counseling, housing financial education, and debt management. Overlaps with HRC's foreclosure-prevention and homeowner-financial-counseling offerings but with a regional multi-state footprint.
- Take Charge America: Non-profit HUD-approved credit counseling agency offering foreclosure prevention, housing counseling, and debt management services — directly comparable service mix to HRC but with smaller national footprint, competing for the same distressed-homeowner customer.
Direct peers
- HomeFree USA: HUD-approved national housing counseling agency that provides free foreclosure prevention, loan modification assistance, and homeowner education — directly competing with HRC for the same distressed-homeowner segment, but with national reach and government credentials HRC currently lacks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat2 records
Key risks7 records
Key highlights6 records
Customer concentration
Homeowner Resource Center social profiles
Digital presenceHomeowner Resource Center financial estimates
Financial estimateRevenue estimate
Valuation estimate
Homeowner Resource Center leadership team
Management profileNumber of profiles
Homeowner Resource Center funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Homeowner Resource Center M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Homeowner Resource Center
What does Homeowner Resource Center do?
Homeowner Resource Center provides free foreclosure prevention and mortgage assistance services to homeowners facing financial hardship. Its core offerings are the Keep My Home Program (loan modification negotiation with lenders) and the Fresh Start Program (short sales and related real estate solutions), supplemented by Relocation Assistance, Probate Guidance, and Bankruptcy Resources. Services are delivered one-on-one by trained HRC agents who negotiate with lenders, prepare loan modification paperwork, and develop customized action plans at no charge to the homeowner.
Is Homeowner Resource Center a public or private company?
Homeowner Resource Center is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Homeowner Resource Center founded?
Homeowner Resource Center was founded in -1. It employs 51 to 100 people.
Where is Homeowner Resource Center based?
Homeowner Resource Center is headquartered in Scranton, United States, in the North America region.
How does Homeowner Resource Center make money?
One revenue line is on record: foreclosure Prevention Services.
Who are Homeowner Resource Center's main competitors?
Broad incumbents on record are GreenPath Financial Wellness, Springboard Nonprofit Consumer Credit Management, American Consumer Credit Counseling (ACCC), Money Management International (MMI) and Clearpoint Credit Counseling Solutions. Emerging players are InCharge Debt Solutions and Take Charge America. HomeFree USA is listed as a direct peer.
Does Homeowner Resource Center have an API?
No public API is recorded for Homeowner Resource Center.
What industry is Homeowner Resource Center in?
Homeowner Resource Center's product category is Foreclosure Prevention & Mortgage Assistance Services. Its primary akta.pro industry code is FSALAKAM, Housing Counseling, Foreclosure Prevention & Loss Mitigation Programs, with a secondary code of FSAEAFAF, Mortgage Delinquency & Foreclosure Prevention Counseling. Its NAICS code is 624229 and its SIC code is 6531.