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Keep Your Home California Programs

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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 unemployment benefits from the State of California's Employment Development Department (EDD).

Mortgage Reinstatement Assistance Program
For eligible homeowners who have fallen behind on their mortgage payments.

Funding of up to $20,000 to help qualified homeowners catch up on their mortgage payments.

Principal Reduction Program
For eligible homeowners who 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.

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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Local Innovation Fund Programs
The Local Innovation Fund Program was designed to allow local governments, non-profits and other entities across California the opportunity to tailor foreclosure prevention solutions to address their particular needs and geographic areas.