Keep Your Home California Program

Click here to apply for Keep Your Home California

The Keep Your Home California program is designed to help low and moderate income homeowners retain their homes if they have suffered a financial hardship.  In order to apply, your financial situation must meet specific requirements.  Please review the following nine requirements to determine your eligibility.  All nine requirements must be met to qualify:

1. You must be of low or moderate income.  Check this Income Table and match the county you live in with your household income.  Your gross family income should be less than or equal to the amount shown.
2. You must have suffered a financial hardship that puts you at risk of default on your mortgage due to changes in household circumstances such as death, illness, disability, unemployment or loss of income.
3. You must own and occupy your home as your primary residence.
4. Your home must be located in California.
5. You must NOT own any additional properties or have co-signed for a family member or friend on any additional properties.
6. The current amount you owe on your first mortgage must not exceed $729,750
7. You must not have received any cash out on a refinance or have a CURRENTLY OPEN home equity line of credit with your mortgage, including debt consolidation or credit for additions to your home.
8. Your current mortgage must have been obtained on or before January 1, 2009.
9. Your current mortgage must be through one of the following partner servicers: Please check the Cal FHA website periodically for the most current list of participating servicers)

Click here to apply for Keep Your Home California

KCCD does not guarantee program eligibility.  If you do not meet all of the requirements above you are not eligible for the Keep Your Home California program at this time, please review the Keep Your Home California website to learn about other programs you may benefit from.

See a list of participating servicers and which programs they are currently offering.

Approximately $2 billion in federal Hardest Hit Funds have been allocated to California, one of the states hardest hit by the nation’s foreclosure crisis. The Keep Your Home California (KYHC) program is administered by the California Housing Finance Agency Mortgage Assistance Corporation (CalHFA MAC) and utilizes this funding through a number of programs that provide direct financial contributions to help reduce and prevent avoidable foreclosures statewide.

To apply for this program, click here or call 213-985-1500 to schedule a 20-30 minute appointment with a KCCD counselor to determine eligibility and submit an application to KYHC's Centralized Processing Center.