June 1, 2009 (El Cajon) If you're a homeowner in need of help to avoid foreclosure, take heart! Starting today, the City of El Cajon is offering help through a new Homeownership Foreclosure Program (HFP). The HFP Program provides a toolbox of alternatives for low and moderate-income homeowners of properties within the incorporated City of El Cajon who are in jeopardy of losing their homes.