Los Angeles, CA — If you’re trying to save a home that is either in foreclosure or that is about to go in that direction and the company offering to help asks for money up front, stop and consider some free alternatives.

There are a number of nonprofit organizations that will help you achieve the same aim, and their services are available for free.

The Neighborhood Assistance Corporation of America (NACA) is one of these groups, and is a national non-profit community advocacy and housing services organization that helps with both purchasing a home and refinancing predatory loans.

NACA has offices around the country, including on Market Street in downtown Inglewood, where homeowners can go to obtain this free help. This process typically takes 30 to 90 days.

The organization is also conducting a “Save the Dream Tour” series of workshops where they bring a variety of counselors and lenders together with homeowners to help those who qualify, re-do their loans on the spot.

According to company spokesman Darren Duarte, they have helped individuals who are behind on payments, in foreclosure and even those with an auction date.

“We have legally binding contracts with a number of lenders in the country, that have agreed to honor (a refinance) that we come up with that homeowners can afford for the life of the loan,” explained Duarte, who added that they are working with major lenders who cover 90% of home loans made in the country.

Most of the upcoming NACA workshops are already full, but Duarte said, they often add more venues, so those interested should contact the organization at (888) 302-6222 to make a reservation.

There are a number of other organizations that provide free assistance to homeowners in danger of losing their houses. These include Operation Hope, which has a national hotline number: (800) 388-4673; and the Los Angeles County NeighborWorks Center for Foreclosure Solutions, which offers free workshops and assistance with loan modifications. This organization is a program of Los Angeles Neighborhood Housing Services. The number is (213) 381-2862 or if you want to check the date of upcoming workshops visit their website at www.lanhs.org, and click on events.