The Comprehensive Housing Counseling Program provides no cost/free housing counseling for San Diego homeowners to help them navigate Federal (Making Home Affordable), State (Keep Your Home California) and lender loan modification programs to prevent delinquency/default and foreclose due to personal financial hardships.  Bayside is a full service housing counseling agency that will represent your best interests before your lender from beginning to end (application to resolution).

The First Time Homebuyer program provides an 8 hour education class that issues certificates of completion that qualify potential homebuyers for down payment and/or closing cost assistance from local or state programs for purchasing a home.  

In both housing counseling services, Bayside provides one-on-one counseling, as well as group counseling.

Time & Location 

Monday and Friday 10am - 2 pm

Tuesday, Wednesday and Thursday 12pm - 8 pm 

Counselor & Program Manager Bio

Jual del Rio

NeighborWorks Certified Housing Counselor and Program Manager.

Since September 2008, Juan, as a seasoned housing finance professional, created a local foreclosure prevention/intervention clinic for North Central San Diego, based out of Bayside Community Center.  he formally worked for the State of California, Department of HCD and varius local, state and national non-profit  affordable housing developers.  Juan grew up in Linda Vista, where he was also the local San Diego Union paperboy for over 5 years during the 1960's.

Contact

Juan del Rio at 858-278-0771 X3008 for more information.

Additional Information

These are both free services; however you must call to schedule an appointment.  an intake form must be filled out before an appointment can be made.  An initial one hour session will assess and determine your individual difficulties.  Group education sessions with PowerPoint presentations are given to orient potential clients on an overview of the various federal and local loan modification programs.