Home Preservation

Home Preservation

NHSIE is dedicated to helping families live in homes that they can afford. We promote home preservation through education, one-on-one coaching, and referrals to other supportive services. Our goal is to equip homeowners with the tools needed to advocate for a viable resolution with their lenders. Families are assigned a Homeownership Advisor who will meet with them face-to-face or virtually in an effort to provide them with available options to fit their circumstances and prevent foreclosure.

NHSIE’s Homeownership preservation center is a HUD approved counseling agency that provides home preservation services at no cost.

NHSIE provides the following assistance:


  • Screening and application submission for Keep Your Home California (KYHC) programs UMP, MRAP, PRP, and TAP. Details about each program are listed below.
  •  Advising and assessment on next steps for homeowner upon receiving a complete application submission
  •  Coaching on how to work with a servicer and how to request a modification from a servicer


Update- NHSIE no longer submits loan modifications packets on behalf of homeowner but advises them on process and how they can work directly with their servicer. 

Step 1: Download, print, and fill out an application by clicking on the link:

Foreclosure Prevention Application 2018 English

Prevencion de Juicio Hipotecario 2018

Step 2: Turn in complete application.  An appointment will be scheduled within 5 days of receipt of the completed application.  Please note that submission of an incomplete application will delay the timeline. Each application is date and time stamped when received.

Step 3: Meet with a Certified Housing Advisor.

Keep Your Home California  

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. You can find participating servicers at the following link. http://keepyourhomecalifornia.org/participating-servicers/


The Unemployment Mortgage Assistance Program provides mortgage payment assistance to eligible homeowners who have experienced an involuntary job loss and are receiving California EDD unemployment benefits.

Benefit assistance through UMA can be up to $3,000 per month and can last up to eighteen (18) months.



The Mortgage Reinstatement Assistance Program provides assistance to eligible homeowners who, because of a financial hardship, have fallen behind on their payments and need help to reinstate their past due first mortgage loan.

Benefit assistance through MRAP can be a one–time payment of up to $54,000 to cover principal, interest, taxes and insurance, as well as any homeowner’s association dues.




The Principal Reduction Program (PRP) provides assistance to eligible homeowners who owe more on their mortgage than their home is worth and/or have an unaffordable payment. Homeowners must have experienced an economic hardship or a severe decline in their home’s value in order to be considered for the PRP.

Homeowners who qualify for the PRP could be eligible for up to $100,000 in assistance from Keep Your Home California.



The Transition Assistance Program provides one-time funds to help eligible homeowners relocate into a new housing situation after executing a short sale or deed-in- lieu of foreclosure program.

The TAP can provide up to $5,000 in transition assistance per household.


Get started by completing the Foreclosure Prevention Application above!