Rosa says ‘it felt like the walls were caving in’ until she found Keep Your Home California
Keep Your Home California’s Unemployment Mortgage Assistance Program was designed with Rosa C. in mind.
Rosa – a wife and mother of four children – lost her job as a bank teller and noticed the free program when she was on the state Employment Development Department website.
“I never knew there were programs available” to help homeowners with their mortgage payments, says Rosa of Fresno. A few clicks later, she had the details of the state mortgage-assistance program. “I said, ‘Oh this is for me.’ I called the number to make sure.”
She expected lengthy delays and a lot of paperwork.
“I thought it was going to be hard,” she says. “But I just followed the instructions. It was pretty simple.”
In less than a month, Rosa and her husband were approved, with their mortgage payments covered by the federally funded program for one year.
“It was very fast. Actually, I didn’t think I was going to get approved,” says Rosa, who was notified by U.S. mail rather than email, since her computer was giving her trouble. “When I received the letter, it was very special. I couldn’t believe it, I was so happy.”
Keep Your Home California has allowed the six-member family to remain in their house, where they have lived the past nine years. It’s been the family’s first – and only – home.
“It’s definitely helped us a lot, and has relieved a lot of the stress,” says Rosa, who, like most people without work, worried about her family’s finances. “It felt like the walls were caving in.”
Now, the former bank teller can concentrate full time on finding a job without worrying about the mortgage.
“It lets me breathe and go through what I have to with confidence,” she says.
Rosa, who adds she hears the Keep Your Home California ads on the radio, helps promote the program whenever possible.
“I mention it to all of my friends and family members,” she says. “I tell them that there is this program, and they should give it a try.”
“People who fall behind a month or two, they think that they’ve lost their house; they start packing,” she says. “They are so scared, it’s ridiculous.”
Instead, cash-strapped homeowners should consider contacting Keep Your Home California for assistance. Perhaps, just like Rosa, they’ll breathe a bit easier.