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San Diego Foreclosure assistance, Home belongs to 86 year mother. 1st lien is with Wachovia, neg-am loan with balance of $367,000. Approximate total owed right now is $400,000 including taxes, insurance, back payments, late fees, and attorney fees. National City Mortgage holds second of $70,000, which they wrote off as bad debt. They said they will settle for $10,000 to $15,000. Home is in excellent condition with appraisal a few months old of $475,000. Home was completely remodeled, refurbished, and upgraded within the last couple of years. Has large lot on cul-de-sac, pool, and spa. My sister and I are frantically trying to gather up the funds to re-instate the loan and catch up. I have moved in with my mother. The ideal situation would be to obtain a new second for approximately $35,000, which would enable us to settle existing second, and pay back payments on first mortgage. California assistance for seniors in foreclosure