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Loan Servicing - MS 980
P.O. Box 4034
Sacramento, CA 95812-4034
CalHFA Homeowners - Assistance Programs
If you are a servicemember or a dependent of a servicemember, you may be entitled to protections under SCRA regarding the interest rate and risk of foreclosure and counseling is available for covered servicemembers at agencies such as Military OneSource (www.militaryonesource.mil) and Armed Forces Legal Assistance (www.legalassistance.law.af.mil).
There are many options available to you, if you are experiencing a financial hardship. This section provides useful information if you are having difficulty making payments, or anticipate have difficulty making payments on your CalHFA-serviced loan(s).
There will be no fee or charge for this assistance; it is our goal to help you find available alternative solutions to keep you in your home and avoid foreclosure. Some of these alternatives may include reviewing your package for a payment plan, special forbearance, KYHC assistance, a temporary reduction in your interest rate or a longer term on your loan.
The following is a brief description of the loss mitigation tools available (in priority order) and the situations where they would be appropriate to use.
Informal Forbearance Plan >>
Formal Forbearance Plan >>
Special Forbearance Plan >>
Loan Modification >>
FHA-Home Affordable Modification Program (FHA-HAMP) >>
Pre-Foreclosure Sale >>
Deed-in-Lieu (DIL) >>
Follow the steps below to apply for a foreclosure prevention alternative: >>
For additional financial assistance you should contact a HUD-approved mortgage counselor at 800.569.4287 or TDD 800.877.8339 who will provide information to help you in managing your mortgage payments and personal finances in the future. There is no charge to you for this counseling service.