Homeowner Resources

Homeowner Resources

HomeMatch provides a platform, tools, and support to connect homeowners and home seekers. Homeowners will have an additional source of income and companionship. Both parties can agree to an exchange of services for reduced rent.

Utility Savings and Home Repair Resources

Laundry-to-Landscape (L2L) Graywater Program offers residents a $125 discount off the purchase of a L2L graywater kit (retail cost of $175). The graywater kit includes the basic components necessary to divert your clothes washer water to your garden.

HERO Whether you want to reduce your carbon footprint, water usage or utility bills, HERO helps make it happen. There are over one million eligible products geared towards helping you save. Solar systems, Artificial turf, Central air, Doors & windows, Roofs, Drought tolerant landscaping.

GRID Alternatives provides no- to very-low-cost solar power for low-income families while providing hands-on installation experience for job seekers and community volunteers. We also offer technical assistance and turnkey installation services to multifamily affordable housing developers, and are working with cooperative, municipal and investor-owned utilities to develop the first community solar projects in the country dedicated to low-income communities.

Rebuilding Together San Francisco provides home repair and renovation programs for low-income, elderly, and disabled San Franciscans and for nonprofit and community facilities.

Webpass offers high speed Internet in San Francisco for $60 monthly or $550 annually. Enjoy service with speeds of 100 Mbps, 200 Mbps, 500 Mbps & 1 GIG!

Foreclosure Prevention Resources

Use the following resources and information to guide you in sustaining your home if possible.

Foreclosure Prevention Programs

If you are having trouble making your mortgage payments, explore these options with your housing counselor and your mortgage company which may bring your account up to date.

  • Mortgage Reinstatement: If you have enough cash, you can “reinstate” your mortgage by making up all the missed payments plus fees and interest the lender/mortgage company charges you in one lump sum.
  • Forbearance: A temporary period of time during which a regular monthly mortgage payment is reduced or suspended.
  • Repayment plan: A process in which a homeowner promises to pay down past due amounts on a mortgage while continuing to make regular monthly payments on a property.
  • Mortgage modification: A modification is any change to the terms of your mortgage loan, including changes to the interest rate, loan balance or loan term.
  • Short Sale: A short sale is the sale of a home for less than the balance remaining on your mortgage. If your mortgage company agrees to a short sale, you can sell your home and pay off all (or a portion of) your mortgage balance. Consider this option if you can no longer afford your home.
  • Deed-in-Lieu of Foreclosure: With a Deed-in-Lieu of Foreclosure (DIL), you transfer the ownership of your property to the owner of your mortgage in exchange for a release from your loan and payments.
  • Keep Your Home CA: Keep Your Home California is a free service for homeowners who have suffered a financial hardship, to help them stay in their homes, maintain an affordable mortgage payment and avoid foreclosure. The following are brief summaries of the programs offered under Keep Your Home California. See a list of participating servicers and which programs they are currently offering.
    • Unemployment Mortgage Assistance: For eligible unemployed homeowners. Mortgage assistance of up to $54,000 for unemployed homeowners who have received unemployment benefits from the State of California’s Employment Development Department (EDD) within the past 60 days.
    • Mortgage Reinstatement Assistance Program: For eligible homeowners who have fallen behind on their mortgage payments. Funding of up to $54,000 to help qualified homeowners catch up on their mortgage payments.
    • Principal Reduction Program: For eligible homeowners who have suffered a financial hardship and owe more than their home is worth and/or have an unaffordable payment.Financial assistance to help pay down the principal balance of a mortgage loan and allow for a more affordable monthly payment.
    • Transition Assistance Program: For eligible homeowners who are undergoing a short sale or deed-in-lieu of foreclosure program.Financial help to make a smooth transition into stable and affordable housing.
  • SF Mortgage Assistance Loan Program: Provides a deferred loan to reinstate or pay down the first mortgage loan of up to $50,000 which will carry a share of the owner’s appreciation due upon sale of the home or re-payment. A qualified homeowner must occupy their single family home or condominium asprincipal residence prior to and during the duration of the MALP loan.