45,418*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

Ana-G

Homeowner Ana G.: Keep Your Home California helped during the most traumatic time in her life

Ana, originally from the Philippines, lost her husband in February 2013.

The single mom of a 6-year-old son and 10-year-old daughter says living on a single income with two children is challenging. Ana needed help, and that’s when she turned to Keep Your Home California.

Ana applied and was approved for Keep Your Home California’s Principal Reduction Program. The free mortgage-assistance program funded $43,000 to pay down Ana’s principal balance, which helped lower her monthly mortgage payments.

“It means that I can still afford to keep our lifestyle, instead of moving into an apartment,” she says.

Ana says keeping the house was a way for her children to remember their father. The family has lived in the home since 2005.

“Keeping the house was important for us,” says Ana, who lives in Northern California. “The house has a lot of memories, especially of their dad.”

The Principal Reduction Program provides as much as $100,000 in mortgage assistance for financially strapped homeowners. The program can save homeowners hundreds of dollars every month in mortgage payments.

“Moving out of the house would have been another traumatic change for my kids,” says Ana, whose mortgage servicer is Residential Credit Solutions.

Thanks to Keep Your Home California, she continues to watch her two children play sports in the backyard.

“I hope people are aware of this program,” Ana says. “It really helps you keep your house.”

richard_cynthia

Southern California homeowners Richard and Cynthia C. applied for a federal program seeking financial help for their mortgage payments last spring.

But the couple were denied because their combined income failed to meet minimum income requirements. They were devastated.

“We thought ‘what are we going to do?’” says Richard, who was laid off from his job in March 2010. His wife had also recently lost her job with a temporary agency.

Then, the Claremont couple came across Keep Your Home California while watching the local PBS station. But they were skeptical. An aunt had spent thousands of dollars for mortgage assistance with little success.

“For every good program, there are 10 bad programs” claiming to help homeowners with mortgage payments, Cynthia says.

“We started checking it out, and found that it was on the up and up,” Richard says of the state-run program with $2 billion in federal funding.

A brief phone call, followed by a longer counseling session and then the gathering and sending of documents paved the way for the Unemployment Mortgage Assistance program – and some security for the couple. Keep Your Home California covers their mortgage payments for six months, and now up to nine months with new expanded eligibility requirements

“Thank God,” says Richard, who adds from the first phone call to final approval took about four weeks. “It’s hard for us to find a job. It’s just been so difficult. It’s been a godsend.”

Now, Cynthia and Richard, who have a daughter attending college, tell family members and friends about Keep Your home California. ‘We’re mentioning the program all of the time,” she says.

They want other hard-hit homeowners to apply for and take advantage of the program that offers the opportunity to look for work without worrying about mortgage payments.

“It gives you peace of mind,” Richard says of Keep Your Home California. “This uplifted us.”

Susan-M

Unemployment program eases ‘some of my concerns’

Human resources executive Susan M. first heard about Keep Your Home California during a large round of layoffs at her work.

Rapid response team representatives detailed numerous jobless benefits available to the affected employees, including Keep Your Home California’s Unemployment Management Assistance Program.

Susan, who held her position for more than 20 years, was used to hearing about programs established to help unemployed workers. But, this time, she was among the almost 100 employees laid off as part of an acquisition by a much-larger company.

“Thank God, there was something out there for us,” she says. “This is really a great program for those who have hit a bump in the road.”

Under the free mortgage-assistance program, out-of-work homeowners who are eligible for unemployment benefits from the state Employment Development Department can receive as much as $3,000 per month for up to one year.

“It’s bought me some extra time,” says Susan, who is busy looking for full-time jobs in Southern California. “I am very grateful.”

She applied for the free program on June 6, and was approved for funding July 2.

“I was kind of surprised, that was really fast,” she says. “Within 10 days, Keep Your Home California said everything looked good and they sent the information to the credit union.”

A couple weeks later, her mortgage servicer, Logix Federal Credit Union, approved her for the state-managed program. Dozens of credit unions participate in the program.

“The application process was very easy, but there was a lot of paperwork,” says Susan, who bought her home north of Los Angeles in 2003. “Having a little bit of knowledge (about completing paperwork) helped.”

Now, she can focus her attention on finding another job rather than worry about her monthly mortgage payment.

“I’m very thankful,” Susan says. “It doesn’t solve all of my problems, but it does ease some of my concerns.”

Carrie G

Homeowner says she was ‘simply a statistic’ to her mortgage servicer, then she came across Keep Your Home California and saved her house

Sometimes homeowners need a little help – and some hope.

Just ask Carrie G. The wife and mother of two toddlers was able to “catch up’ on her mortgage payments thanks to Keep Your Home California after a challenging, emotional and extremely frustrating experience with her mortgage servicer.

“We weren’t looking for a handout,” says Carrie, whose story is like many other homeowners in the state. Her husband, a construction worker, lost his job for six months and the family struggled financially, getting behind on their mortgage payments. “It’s our responsibility, our house.”

But “as hard as we tried to stay on top of our finances, things just got ahead of us and we ultimately fell behind on our mortgage,” says Carrie, who gave birth to their now 1-year-old daughter during this period.
So, Carrie, the manager of a veterinarian hospital, began looking at their mortgage options in order to save their home.

“For close to two years, I lived breathed and slept financial statements, tax returns, hardship letters and being transferred around from one bank employee to another,” she says. “I was simply just a statistic, not a wife, not a mother, not a homeowner.”

Eventually, their bank approved the couple for a temporary loan modification – and a smaller payment while her husband was out of work and on disability for six months. However, the mortgage servicer denied converting the temporary loan modification into a permanent modification, and even required the financially struggling couple to pay an additional $21,000.

She got the bad news the day before Thanksgiving in 2013.

“I was in tears, I just lost it,” says Carrie, who lives in the East Bay. “After a roller-coaster ride of being approved, then denied a modification with our lender, we ultimately faced the heart-wrenching reality that we may very well lose our home.”

Then, during one of her many calls with the mortgage servicer, a representative mentioned Keep Your Home California.

“I had heard the radio ads, but I thought it was just one more employee trying to shove me off to someone else,” she says. “We had already started looking for homes to rent and finding someone to help with the foreclosure.”

But Carrie contacted the Tri-Valley Housing Opportunity Center, one of the nonprofit housing counseling agencies that has partnered with Keep Your Home California, in the Bay Area. A certified housing counselor, Nai, walked Carrie and her husband through the application process – all for free.

“Not once did she make me feel ashamed of our situation,” Carrie says. “She offered nothing but support, guidance and assurance that we were not alone. It honestly seemed like a pipe dream that we would receive the aid.”

The couple applied for the free mortgage-assistance program in December and were approved in mid-January.

“They gave me updates, they didn’t give me false hope,” she says. “It’s some of the best news I’ve ever heard.”

Keep Your Home California’s Mortgage Reinstatement Assistance Program allowed the couple to “catch up” on their mortgage.

“I definitely sing your praises,” she says. “This is truly changing our life, changing our future and rescuing my family and our home. Words can’t express our gratitude for what has been done for us. We feel like this is a fresh start for us.”

And there are many other families in similar situations, Carrie says.

“My heart goes out to those people,” she says. “I know there are tens of thousands of people with stories much worse than ours. My advice to them is to not give up, have faith and persevere. You never know what may lay around the corner.”

Sherry C

Sherry C.’s daughter, a mortgage professional, encouraged her to apply for Keep Your Home California.

But it wasn’t until she saw a Keep Your Home California commercial on television that Sherry picked up the phone and applied for the free mortgage-assistance program.

“I was at my wits ends, I’ve been in my home for 35 years and I thought I was going to lose it,” says Sherry, who lives in the Sacramento region. “I was in tears. I paid every payment on time.”

But the retired state employee was like many homeowners in the state, she had refinanced her home and then the market tanked, leaving her with a severely underwater mortgage, as much as $300,000.

She applied for the Principal Reduction Program, which offers as much as $100,000 to help homeowners who owe more than their home is worth bring their outstanding mortgage balance closer to their homes’ current value.

Sherry applied in late October and was approved a few weeks later.

“They were very professional,” Sherry says of her experience with the counselors at Keep Your Home California. “Everyone was very respectful, cooperative and knowledgeable.”

Keep Your Home California dramatically cut her principal and reduced her monthly mortgage, from $1,220 per month to $805.

For the retiree on a fixed income, the monthly savings is a huge help.

“When the lady called, I started crying, my prayers were answered,” says the mother of three adult daughters. “I was between a rock and a hard spot, Keep Your Home California saved my life.”

Our programs are designed to help you keep your home if you've suffered a financial hardship.

Take a minute to answer a few questions to find out which program can help you best.

Let's get started!

Is your home in California?

Question 1/11

Restart

Do you own and occupy your home as your primary residence?

Question 2/11

Back

Restart

Is the amount you owe on your first mortgage loan equal or less than $729,750?

Question 3/11

Back

Restart

Continue

Is your County household income equal to or less than ?

Question 4/11

Back

Restart

Have you experienced a financial hardship (such as a loss of income, significant medical expenses, divorce, severe negative equity, etc.) that is making it difficult for you to keep your home?

Question 5/11

Back

Restart

Are you in an active bankruptcy?

Question 6/11

Back

Restart

Great, you may be eligible for all or some of our programs!

Just answer a few more questions to find out which of our programs is best for you.

Which programs are best for you?

Have you received unemployment benefits from the California Employment Development Department (EDD) within the past 30 days?

Question 7/11

Back

Restart

Are you two or more payments past due on your first mortgage loan?

Question 8/11

Back

Restart

Do you owe more on your first mortgage than your home's current value?

Question 9/11

Back

Restart

Are you currently participating in a trial payment plan for a modification with your mortgage servicer?

Question 10/11

Back

Restart

Are you working with your mortgage loan servicer on a Deed in Lieu of Foreclosure or a Short Sale?

Question 11/11

Back

Restart

Based on your responses you do not qualify for a Keep Your Home California program, but we still want to help! Find out about the other options that are available to you by clicking the link below.

Don’t worry, other programs are available

Don't worry, other programs are available.

Although you do not qualify for a Keep Your Home California program, your mortgage Servicer or housing counselor from a HUD-approved agency may have other options that are available to you. These options include:

1) Federal Mortgage Relief

  • Load Modification
  • Refinance
  • Short sale assistance
  • Deed in lieu help

More Information »

2) Your Mortgage Servicer

  • Forbearance
  • Repayment plan
  • Short sale
  • Cash for keys

Contact your service provider for more information

Need more help?

Great!

You may be eligible for the following Keep Your Home California Programs:

Call us at (888) 954-5337

  • Enter your email to receive more information on the programs you qualify for.