The California Housing Finance Agency
Wants You to Keep Your Home

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 lenders and mortgage servicers.
Primary objectives for the Keep Your Home California programs include:

• Preserving homeownership for low and moderate income homeowners in California by reducing the number of delinquencies and preventing avoidable foreclosures
• Assisting in the stabilization of California communities
  
  PROGRAM ELIGIBILITY
  
  Each of the Keep Your Home California programs is designed to address one or more aspects of the current housing crisis by doing the following:

• Helping low and moderate income homeowners retain their homes if they either have suffered a financial hardship such as unemployment, have experienced a change in household circumstance such as death, illness or disability, or are subject to a recent or upcoming increase in their monthly mortgage payment and are at risk of default because of this economic hardship when coupled with a severe decline in their home's value.
• Creating a simple, effective way to get federal funds to assist low and moderate income homeowners who meet one or all of the objective criteria described above. Speed of delivery will be balanced with fulfillment of the specific program's mission and purpose.
• Creating programs that have an immediate, direct economic and social impact on low and moderate income homeowners and their neighborhoods.

INFORMATION ON KEEPING YOUR HOME

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What Is A Short Sale?

What Is A Foreclosure?

What Is An REO Bank-Owned Property?

Do I Qualify For Free Government Help HARP?

Do I Qualify For Free Government Help HAMP?

Options To Stay In Your Home

Options To Leave Your Home

Credit Consequences of A Foreclosure

The Short Sale Package

Understanding Your Credit

It is recommended that you seek the advice from a real estate attorney or tax advisor.