Peoples' Self-Help Housing

The Mission of Peoples' Self-Help Housing is to provide affordable housing and programs leading to
self-sufficiency for low-income families, seniors, and other special needs groups on California's Central Coast.

PSHH Now Offers the "Keep Your Home California" Programs

The Housing Counselors at Peoples' Self-Help Housing are available to determine your eligibility for the programs listed below, and submit your application for KEEP YOUR HOME CALIFORNIA benefits.

Please call 805 781-3088 for assistance in determining eligibility and applying for benefits. You may also email briank@pshhc.org. 

Available Programs:

Unemployment Mortgage Assistance Program (UMA)
Intended to assist homeowners who have experienced involuntary job loss. UMA will provide temporary financial assistance in the form of a mortgage payment subsidy of varying size and term to unemployed homeowners who wish to remain in their homes but are in imminent danger of foreclosure due to short-term financial problems. These funds can provide up to six months of benefits with a monthly benefit of up to $3,000 or 100% of the existing total monthly mortgage, whichever is less.  

Mortgage Reinstatement Assistance Program (MRAP)
Intended to assist homeowners who have fallen behind on their mortgage payments due to a temporary change in a household circumstance. MRAP will provide limited financial assistance in the form of funds to reinstate mortgage loans that are in arrears in order to prevent potential foreclosures. These funds can provide benefits of up to $15,000 per household.  

Principal Reduction Program (PRP)
Intended to assist homeowners at risk of default because of an economic hardship coupled with a severe decline in the home's value. PRP will provide capital to reduce outstanding principal balances of qualifying borrowers with negative equity. Principal balances will be reduced in an effort to prevent avoidable foreclosures and promote sustainable homeownership. The principal reduction program will most likely be a prelude to loan modification. (Servicers that contribute through matching funds increase the benefit for homeowners).  

Transition Assistance Program (TAP)
Intended to promote community stabilization by providing homeowners with relocation assistance when it is determined that they can no longer afford their home. TAP will be used in conjunction with a servicer-approved short sale or deed-in-lieu of foreclosure program in order to help homeowners transition into stable and affordable housing. Homeowners will be responsible to occupy and maintain the property until the home is sold or returned to the servicer as negotiated. Funds will be available on a one-time only basis.  

Basic Homeowner Eligibility Requirements:

• Own and occupy the home as primary residence
• Meet low and moderate income limits
• Have documented, eligible hardship
• Adequate income to sustain modified mortgage payments
• Mortgage loan is delinquent or in imminent default

Basic Property Eligibility Requirements:

• Mortgage is a first lien loan originated on or before January 1, 2009
• Unpaid principal balance does not exceed $729,750
• Property must not be abandoned, vacant or condemned
• Property must be located in California

Please call 805 781-3088 for assistance in determining eligibility and applying for benefits.
Or email briank@pshhc.org. 

In the News:

Peoples' Self-Help Housing Offers the "Keep Your Home California" Programs | February 2011 One of Peoples' newest programs was featured on a KSBY Safe Family news segment. In case you missed seeing it then, take a look now! Watch Video