38,768*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

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Homeowner Abigail M. has a hard-to-beat connection that introduced her to Keep Your Home California.

When Abigail of Stockton lost her accounting and executive secretary position in the homebuilding industry in late 2010, she was like many Californians — concerned about how to make ends meet, especially her mortgage payments.

“I worried that if we ran out of unemployment benefits, we were going to be homeless,” says Abigail, whose husband was battling kidney cancer and recovering from surgery at the time.

So, Abigail checked into different government housing assistance programs with little luck. She attended foreclosure prevention workshops to learn more about her options. And she even reached out to her local elected representatives and President Obama.

“I found out about the program by writing a letter to President Obama,” says Abigail, who received information about Keep Your Home California from the U.S. Treasury Department. “Thank God, people read those letters.”

Indeed, the department gave her information about the $2 billion mortgage assistance program that was established with federal funding approved by President Obama.

She applied and was approved for the Unemployment Mortgage Assistance Program in November 2011.

“The packet was easy to follow,” Abigail says.

The couple received nine months of mortgage assistance from the state-run program, giving them some financial breathing room during a very difficult period.

“I tell everybody” about Keep Your Home California, says Abigail, adding many homeowners continue to suffer in Stockton, often reported as the hardest-hit community for foreclosures in the nation. “I look at prices in my subdivision, and it breaks my heart. Unfortunately, I’ve run into some high school friends who need help.”

“It’s been a hard road,” Abigail. “If you guys weren’t here, I can’t imagine what would have happened to a lot of us.”

Testimonials

Unemployment Mortgage Assistance program helps Al save his home – and his dream

Soon after Al R. bought his dream house, he lost his great-paying job.

Like many homeowners in recent years, the American Dream had become a real-life nightmare – and an everyday struggle.

Al and his family made a few mortgage payments and then got behind. Then, he came across a mailer about Keep Your Home California, the free mortgage-assistance program that has helped more than 30,000 homeowners since February 2011.

“We thought it was too good to be true,” says Al, who applied twice for the program. “There was some serious nail-biting whether we were going to keep our home. One of our biggest fears was that the program would end before we were approved.”

The program will not end anytime soon. Keep Your Home California received almost $2 billion from the federal government, so there are quite a few dollars still available for financially strapped homeowners.

Al was approved for the Unemployment Mortgage Assistance Program, which offers as much as $3,000 per month for up to 12 months. Homeowners who meet the program income limits and are also collecting jobless benefits from the Employment Development Department, are eligible for the program.

“It really works; it’s what we needed,” says Al, who lives in the Sacramento region. “We’re so grateful.”

Now, he talks about the program when he comes across homeowners struggling with their mortgage payments.

“We can’t be more appreciative or more supportive of the program,” says Al, whose daughter also benefited from the Unemployment Mortgage Assistance program in recent months.

Now, Al is back to work and making his mortgage payments on his own.

“The bottom line is that we got it, and it saved our home,” he says. “And we love our house, it’s our dream house.”

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Retired teacher Alpha R. got a firsthand lesson on the sometimes fast-paced foreclosure process – and the home-saving help from Keep Your Home California.

When Alpha got behind on her mortgage payments and received a foreclosure notice from her mortgage servicer in early 2012, she needed quick action to save her home in Yucca Valley in the High Desert of Southern California.

“I bugged everybody; I even called my Congressman’s office,” says Alpha, who was raised in New York City but has also lived in Atlanta, Tucson, and Virginia.

Then, she came across a housing counseling agency that made her aware of Keep Your Home California. She quickly completed the documents in hopes of stopping the foreclosure.

“I was scrambling to put the paperwork together,” says Alpha, who was playing beat the clock with the mortgage servicer. “There was literally a man outside my gate one day (looking to purchase the property).”

She applied for Keep Your Home California’s Mortgage Reinstatement Assistance Program, which offers as much as $25,000 to help hard-hit homeowners catch up on their payments. Alpha received $20,000 from the state-run program, enough money to get her back on track.

“It was tough, but it was doable,” Alpha says of the paperwork needed for the program. “Keep Your Home California was very smooth, very efficient.”

Now, Alpha can focus on a new project. She has opened a healing facility that encourages others to eat healthier and meditate.

“This is my purpose,” says the retired public school teacher for emotionally challenged students. “I still have things to do up here.”

With financial assistance from Keep Your Home California program, Alpha can turn her attention toward helping others.

“It was the best program I’ve ever run into,” says Alpha, who tells friends about the free, federally funded program. “There is something positive out there. You don’t have to give up.”

Testimonials

Homeowner Candy W. says persistence pays off.

The Sacramento-area resident applied for Keep Your Home California in July 2012, but she didn’t qualify at that time.

Several months later, she was approved for a hefty principal reduction by the state-managed program that lowers her monthly mortgage payments by hundreds of dollars.

“It’s all about documentation,” says Candy, who bought her home eight years ago at the peak of the housing market. “You have to be persistent.”

Candy had looked into other programs; she had been approved for two loan modifications, which lowered her interest rate from 5.75% to about 4.75% — but those saved her only $30 per month.

She needed more help.

As a state employee, Candy had lost a significant amount of income from furloughs and through a divorce. So, when she heard about Keep Your Home California on Sacramento TV station KCRA and a local radio station, she decided to apply and see if the state mortgage-assistance program was an option.

“It was a shot in the dark,” says Candy, who admits she was stressed about her mortgage. “But I was hopeful that something would come along.”

She says the process was rather simple, but adds that homeowners need to complete the paperwork as soon as possible and be an active participant in the process.

“Everything just has to be documented,” she says. “It’s just about following along with your processor.”

Now, she tells coworkers and friends about Keep Your Home California.

“It’s pretty encouraging,” says Candy, who has detailed the program to at least 10 coworkers during the past several months. “This is a major help.”

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Daughter finds free program to help her parents with the mortgage

Homeowner Iris O. had a difficult – and different – situation.

She bought a house with her parents in Sanger, California. But when she became engaged, she moved out of the house. Then, her father lost his longtime job.

Iris was helping her father with the unemployment process when she learned about Keep Your Home California from the state Employment Development Department website.

“I was like, ‘Really, they will pay for that?’” she says of her mortgage. “Is there really a program that exists?”

The free mortgage assistance program will pay as much as $3,000 per month for up to 12 months for homeowners who are collecting jobless benefits from the EDD.

“I had to provide a lot of information,” says Iris, including bills – such as her utility payments – to prove where she currently lives. “It was time-consuming, but it’s worth it.  Once I responded, it was an easy process.  They were really helpful and willing to work with me.”

A few weeks after applying, Iris and her parents were approved for the state-funded program in March.

“They were very excited” when they were approved for the program, Iris says of her parents. “It eases the stress of making the mortgage payment. But it’s only a short-term solution, we’re still upside down.”

So, Iris will consider applying for a second program through Keep Your Home California, for a more sustainable solution to her family’s mortgage struggles.

In the meantime, the monthly mortgage payment is covered and her father, a longtime farm laborer, has one less worry.

“Now, he has more time to look for a job,” Iris said.

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

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