Keep Your Home California Program Helps Struggling Homeowners



keep your home California Program

The Keep Your Home California Program was created by the California Housing Finance Agency (CALHFA). The program helps homeowners with a financial hardship stay in their home, lower their monthly mortgage payment and avoid foreclosure.

Speak to our lenders to see if you qualify for the Keep Your Home California Program

Unemployment Mortgage Assistance Program

Available to borrowers that are currently unemployed.
Up to $3,000 in monthly assistance for homeowners that are currently receiving or are approved to receive unemployment pay from the California’s Employment Development Department (EDD).

Loan Principal Reduction Program

Available to borrowers with a mortgage payment that is unaffordable or have had a financial hardship.
Borrowers can receive money to pay down the existing mortgage and lower the monthly mortgage payment.
More information

Mortgage Transition Assistance Program

Available to homeowners who are going through a short sale.
Assistance to transition into more affordable housing
More information

Mortgage Reinstatement Assistance Program

Available to borrowers who have fallen behind on their loan payments.
Homeowners can receive up to $54,000 to catch up o their mortgage.

Reverse Mortgage Assistance

For senior citizens who have fallen behind on property expenses after receiving a reverse mortgage. Senior citizens can receive up to $25,000 to help pay property related costs such as insurance and HOA dues.
Click to learn more.

Refinance Programs for borrowers without a late payment

There are other programs available if you have not yet fallen behind on your mortgage payments. If you have a USDA, FHA, or VA loan you can lower your monthly payment and mortgage rate with a streamline refinance. The HARP program is available to until October for borrowers with a mortgage owned by Fannie Mae or Freddie Mac. This Government program helps reduce your mortgage payments by lowering your interest rate. Both of these refinance programs are available with bad credit.

Keep Your Home California Eligibility:

  • Low-to-median income families with a household income below the county limit. (See the Keep your Home California income limit table at the bottom of this post)
  • Must have a financial hardship that can be proven with related documents. Medical issues, unemployment, or death in the family to name a few.
  • Be able to afford the new mortgage payment by servicing mortgage lender.

Eligible Property Guidelines

  • Unpaid principle balance of $729,750 or less
  • You must be late on your mortgage payments to qualify
  • The property is still occupied
  • Home must be a 1-4 unit property or single-family home
  • Property is located in California
  • You reside in the home as your primary residence

Keep Your Home California Program Income Limits by County

County Household Income Limit
Alameda $131,966
Alpine $133,799
Amador $101,935
Butte $83,043
Calaveras $98,974
Colusa $83,043
Contra Costa $131,966
Del Norte $83,043
El Dorado $107,293
Fresno $83,043
Glenn $83,043
Humboldt $83,043
Imperial $83,043
Inyo $101,512
Kern $83,043
Kings $83,043
Lake $83,043
Lassen $97,847
Los Angeles $91,361
Madera $83,043
Marin $151,846
Mariposa $90,092
Mendocino $83,043
Merced $83,043
Modoc $83,043
Mono $114,483
Monterey $96,860
Napa $121,392
Nevada $103,627
Orange $122,943
Placer $107,293
Plumas $87,413
Riverside $91,643
Sacramento $107,293
San Benito $114,342
San Bernardino $91,643
San Diego $107,011
San Francisco $151,846
San Joaquin $93,476
San Luis Obispo $108,703
San Mateo $151,846
Santa Barbara $108,703
Santa Clara $151,000
Santa Cruz $122,661
Shasta $83,184
Sierra $101,230
Siskiyou $83,043
Solano $116,457
Sonoma $116,457
Stanislaus $87,413
Sutter $83,748
Tehama $83,043
Trinity $83,043
Tulare $83,043
Tuolumne $94,040
Ventura $125,904
Yolo $108,421
Yuba $83,748