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david_s

Homeowner David S. has battled a bad economy, the hard-hit housing market and a gloomy jobs outlook – just like many Californians.

But David, who has owned his condominium in the Park Mesa neighborhood in San Diego for 10 years, is committed to keeping his home and finding a job, even in a new profession.

He applied for a loan modification through his mortgage lender, with no luck after an exhausting and lengthy effort. He made larger-than-required payments for a few months to lower the mortgage principal and show his dedication to homeownership. And even during the most difficult months financially, David made at least half of the monthly mortgage payment.

Still, the long-term unemployed professional was facing the grim reality of losing his condo.

Then, David applied for Keep Your Home California in mid-April. His commitment and attention to detail – he has three, 3-inch thick binders of financial and mortgage-related paperwork – paid off in June when he was approved for the state-run mortgage assistance program.

Keep Your Home California, funded by the federal government’s Hardest Hit Fund®, made his mortgage payments in July, August and September, and will likely continue through the end of the year.

“I’m very grateful for the program,” David says. His application was a bit more complicated than most, especially since he had a commission-only job for a brief period that created a hiccup with the state Employment Development Department and much slower-than-average processing by his mortgage servicer.

But the end result was well worth the effort and allows him to concentrate on finding a job – and possibly a new career.

“They’re trying to find you suitable time to find employment,” says David, a former director of sales and senior associate for an audio visual company. “I don’t have to worry about the risk of losing my home while looking for employment.”

David encourages other out-of-work homeowners to look into the Unemployment Mortgage Assistance Program, which has about $875 million in funding. Keep Your Home California expects to help about 60,500 homeowners with the program, with average funding of $14,455.

“It’s a horrible … terrible feeling” to face the possibility of losing your home, David says. “Time is what this program has given me.”

“I think everybody is trying to figure out what is next” with the economy and the housing market, he says. “When there is a happy ending, this program will be what saved me.”

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.”

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.”

Eleanor E

‘My home is my anchor,’ says homeowner who benefited from Mortgage Reinstatement Assistance Program

Homeowner Eleanor E. becomes emotional when she talks about Keep Your Home California.

“I’m here, I’ve got my home … and I was so close to losing it, says Eleanor, a hardworking grandmother who has lived in her Southern California home for the past 13 years.

But, like many Californians during the past several years, Eleanor lost her job, had a hard time finding work and got behind on her monthly mortgage payments.

“Early 2013 was awful; it was horrendous,” says Eleanor, whose mother died during the first few months of last year. “Problems don’t discriminate.”

In fact, Eleanor was close to filing for bankruptcy protection when she found a good job.

But even with her new job, there was still another financial hurdle – more than $20,000 in missed mortgage payments. Eleanor faced the reality of losing her home.

“I just kept getting further behind, I was devastated,” says Eleanor, whose daughter and two grandchildren live with her.

Then, she was told about Keep Your Home California’s Mortgage Reinstatement Assistance Program. The program offers as much as $25,000 to help homeowners like Eleanor to “catch up” on their mortgage payments.

“It didn’t take very long, maybe six weeks from start to finish” to be approved for the program, says Eleanor, who connected personally with the counseling center representative. “I felt like I had a friend who helped with my paperwork. I was in tears when she called. I think she was crying because I was crying.”

The house means a lot to Eleanor and her family.

“My home is my anchor,” says Eleanor, who has a 7-year-old autistic grandson.  “It’s so important for my grandson to have stability, come home to the same place. It would have been devastating (to lose the home).”

Now, the family gets to keep the home thanks to Keep Your Home California, a program that Eleanor shares with family and friends. In fact, she carries the phone number to the program in her wallet.

“It’s a Godsend, a miracle,” she says of the program. “I’m here, I’ve got my home, and I was so close to losing it.”

Testimonials

EDD flyer led Daniel O. to Keep Your Home California

When Daniel O. lost his full-time job, he was like most people – he worried, a lot.

“I didn’t know what to do,” says Daniel, who lives in the Los Angeles area.

Then, he came across a flyer about Keep Your Home California from the state Employment Development Department. The state agency mailed more than 1.4 million flyers about the free mortgage-assistance program during 2014 alone.

Daniel, who has lived in the same home with his wife for 15 years, applied for Keep Your Home California in late spring 2013.

“There was a lot of information requested, but it really wasn’t all that complicated,” says Daniel, who was approved in a few weeks for the Unemployment Mortgage Assistance program.

The Unemployment Mortgage Assistance program provides as much as $3,000 per month for up to 18 months to out-of-work homeowners eligible for assistance from the EDD. The assistance will cover everything that is impounded with the monthly mortgage payment, including principal, interest, taxes, insurance and homeowner association fees.

“It was great,” says Daniel, who recommends the program to other homeowners in similar situations. “It was really a Godsend.”

In fact, Daniel was in a better situation than many other homeowners looking for work. He and his wife were a month ahead on their mortgage payments and had some savings.

Keep Your Home California allowed Daniel to focus on finding another full-time job without worrying about his mortgage.

“It was such a relief … very thankful,” says Daniel, whose mortgage servicer is Wells Fargo, one of the most active servicers enrolled in Keep Your Home California. “We couldn’t have done it without the program.”

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.

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Is your home in California?

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

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

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Is your County household income equal to or less than ?

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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?

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Are you in an active bankruptcy?

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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?

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

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

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

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

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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?

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

Call us at (888) 954-5337

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