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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.”

Iris-O

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.

Brayton W

Unemployment program helped husband and wife after they were both laid off with newborn.

It’s a story that is heartbreaking for any family.

Brayton W. and his wife decided to buy their dream home in Riverside during 2009. Two years later, they welcomed a new little girl into the world.

After working at a hotel for more than four years, the company decided to downsize and, as a result, Brayton was laid off.

The family turned to their savings to pay the bills and mortgage. Brayton worried about what would happen after the money was gone from the savings account.

“That’s the last thing you want to do is move from house-to-house when you have a newborn,” Brayton says.
A couple months later, Brayton’s wife, a school nurse for a local school district, was also laid off.

Fortunately, Brayton found out about the Keep Your Home California program through an unemployment workshop.

“I spoke to a counselor and went through the process of applying for the unemployment assistance program,” Brayton says. “It was a blessing for the next nine months. I wouldn’t have to worry about my house payment while I looked for a job.”

The Unemployment Mortgage Assistance Program offers as much as $3,000 per month for up to 12 months for out-of-work homeowners. Qualifying homeowners must have received unemployment benefits from the state Employment Development Department within the past thirty days, at the time of their Keep Your Home California application.

He says it was the best feeling to know that his family could stay in their dream house.

“We didn’t really want to give up the house. It meant the world to my wife and me,” Brayton says. “To know there was a program to help you.”

He wants others to know the process is straightforward and the program can help tremendously.

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.”

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.”

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

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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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