The Keep Your Home California programs are focused on assisting low and moderate income families stay in their homes, when possible, and leveraging additional contributions from mortgage servicers.

Loan Modification & Refinancing

Over one hundred mortgage companies have agreed to participate in the Home Affordable Modification Program (HAMP). Below is a list of companies who are participating and the contact information for submitting an application.

If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA.

The Mortgage Forgiveness Debt Relief Act and Debt Cancellation

Short Sale Anti-Deficiency Law Protects California Homeowners since January 1, 2011

Short Sale Anti-Deficiency Law Protects California Homeowners since July 15, 2011