Hardship Assistance

There are many options available to you, if you are experiencing a financial hardship. This tab provides useful information if you are having difficulty making payments or anticipate having difficulty making payments on your CalHFA-serviced loan(s).

Please choose the option below that best fits your situation:

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I have not missed a payment, but anticipate that I may.

• Keep Your Home California
  • Unemployment Mortgage Assistance Program (UMA)
  • Principal Reduction Program (PRP) (for conventional loans only)
• Forbearance Options
• HomeOpeners (for insured conventional loans less than 36 months old only)
• Property Rental Policy (if you are considering renting your property)

If you would like to discuss any of these hardship assistance options, please call us today! 800.669.1079

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I have already missed payments.

• Keep Your Home California
  • Unemployment Mortgage Assistance Program (UMA)
  • Mortgage Reinstatement Assistance Program (MRAP) (FHA loans may have restrictions)
  • Principal Reduction Program (PRP) (for conventional loans only)
• CalHFA Loan Modification Program (CMP)
• CalHFA Payment Plans
• HAMP (for FHA loans)
• Partial Claim (for FHA loans)
• Property Rental Policy (if you are considering renting your property)

If you would like to discuss any of these hardship assistance options, please call us today! 800.669.1079

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I am currently in foreclosure.

• Keep Your Home California
  • Mortgage Reinstatement Assistance Program (MRAP) (FHA loans may have restrictions)
  • Principal Reduction Program (PRP) (for conventional loans only)
• Loan Modification
• Foreclosure payment plan

If you would like to discuss any of these hardship assistance options, please call us today! 800.669.1079