For Servicers

We would like all servicers doing business in California to be involved in this effort.

See a list of participating servicers and which programs they are currently offering.

Approximately $2 billion in federal Hardest Hit Funds have been allocated to California, one of the states hardest hit by the nation’s foreclosure crisis. The Keep Your Home California (KYHC) program is administered by the California Housing Finance Agency Mortgage Assistance Corporation (CalHFA MAC) and utilizes this funding through a number of programs that provide direct financial contributions to help reduce and prevent avoidable foreclosures statewide.

The programs assist eligible low and moderate income mortgagors with approved payments going directly to the participating mortgage servicers for three of the programs, or directly to the homeowner for in the case of the Transition Assistance Program, in order to ease administration of payments. Keep Your Home California programs include:

1. Unemployment Mortgage Assistance Program (UMA) – up to $3,000 a month in mortgage payments for up to nine months for mortgagors actively collecting unemployment benefits.
2. Mortgage Reinstatement Assistance Program (MRAP) – up to $25,000 for reinstatement of arrearages.
3. Principal Reduction Program (PRP) – up to $100,000 contribution toward principal balance reduction.
4. Transition Assistance Program (TAP) – up to $5,000 in transition assistance for short sales and deeds-in-lieu of foreclosure.

Because our payments are made directly to you, the servicer, we must have your company enrolled and prepared to participate before we can work with any of your mortgagors.

Based on strong media and general public interest, we have experienced high volumes of inquiries from mortgagors needing assistance. We cannot provide assistance to your mortgagors without your active participation in our program(s). We are actively enrolling servicers for participation in the KYHC program. Servicers of all sizes are participating in Keep Your Home California.

Enrollment Details & Common Questions

If you are a mortgage loan servicer and you are interested in becoming one of KYHC’s participating servicers, please contact Sandra Gallagher at 916.326.8057 or sgallagher@calhfa.ca.gov. [Homeowners should call toll free 888-954-5337]

These Servicer FAQs may help answer some of your questions.

Servicer Marketing Materials

Participating servicers and counseling agencies can obtain Keep Your Home California direct mail pieces or brochures by contacting Evan Gerberding at 916.326.8602 or egerberding@calhfa.ca.gov. We offer print-ready files of these materials and can either add your logo, or allow space for your logo addition. Servicers will be responsible for printing these materials at their own expense.

Click the images below to view a pdf version of the marketing piece. The PDF files will be locked down, please follow the instructions below to request an unlocked version.

	This 8.5″ x 11″ informational flyer details the four Keep Your Home California programs and their eligibility requirements.To request a print-ready file please email Evan Gerberding and include the document number in your email. KYHC Informational Flyer (Doc #: KYHC04A)Also available in: Spanish, Mandarin, Korean, Hmong, Tagalog, Vietnamese, and Russian.
	This direct mail piece offers a general introduction and contact information for Keep Your Home California.To request a print-ready file please email Evan Gerberding and include the document number in your email.KYHC Informational Flyer (Doc #: KYHC65-A)
	This direct mail piece offers a general introduction and contact information for Keep Your Home California.To request a print-ready file please email Evan Gerberding and include the document number in your email.KYHC Informational Flyer (Doc #: KYHC65-B)
	This direct mail piece offers a general introduction and contact information for Keep Your Home California.To request a print-ready file please email Evan Gerberding and include the document number in your email.KYHC Informational Flyer (Doc #: KYHC65-C)