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Learn more about Hardest Hit Fund Programs. Home Affordable Unemployment Program (UP) The Home Affordable Unemployment Program reduces or suspends mortgage payments for 12 months or more for homeowners who are unemployed. If you qualify, your mortgage payments may be reduced to 31% of your income or fully suspended.

CalHFA first-time home buyer loan programs. If you haven’t owned and occupied your own home in the past three years, you’re considered a first-time home buyer in California, and may want to.

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