Programs

Keep Your Home California is a free service for homeowners who have suffered a financial hardship, to help them stay in their homes, maintain an affordable mortgage payment and avoid foreclosure.

The following are brief summaries of the programs offered under Keep Your Home California. See a list of participating servicers and which programs they are currently offering.

Unemployment Mortgage Assistance

For eligible unemployed homeowners.
Mortgage assistance of up to $3,000 per month for unemployed homeowners who are collecting or approved to receive unemployment benefits from the State of California’s Employment Development Department (EDD).
Click to learn more.

Mortgage Reinstatement Assistance Program

For eligible homeowners who have fallen behind on their mortgage payments.
Funding of up to $54,000 to help qualified homeowners catch up on their mortgage payments.
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Principal Reduction Program

For eligible homeowners who have suffered a financial hardship and owe more than their home is worth.
Financial assistance to help pay down the principal balance of a mortgage loan and allow for a more affordable monthly payment.
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Transition Assistance Program

For eligible homeowners who are undergoing a short sale or deed-in-lieu of foreclosure program.
Financial help to make a smooth transition into stable and affordable housing.
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Reverse Mortgage Assistance Pilot Program

For eligible senior homeowners who have fallen behind on property expenses associated with their Home Equity Conversion Mortgage (HECM) loan.
Funding of up to $25,000 to help qualified senior homeowners reinstate past due property expenses (ie. property taxes; homeowner’s insurance; homeowner’s association dues or assessments) and provide an advance of their approved property expenses for up to an additional twelve (12) months.
Click to learn more.