44,904*

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.”

Edith-G

When a big bank closed a major service center, it created a huge problem for Edith G.

But the five-year employee and single mother turned the challenge into a major opportunity, thanks to Keep Your Home California and the state Employment Development Department.

Edith was laid off from the now-closed service center in October. She soon applied for jobless benefits – and Keep Your Home California’s Unemployment Mortgage Assistance program, which provides as much as $3,000 per month for up to one year.

Edith, who was referred by a friend, submitted her documents a few weeks after she was approved for unemployment benefits, a requirement for the Unemployment Mortgage Assistance Program.

“The instructions are very clear, very easy,” she says. “I gave them everything that they needed.”
She was approved within a few weeks.
“I was so happy, I cried,” she says.

Now, her monthly mortgage is covered and she can focus on her education — and entering a new profession. The Employment Development Department is covering most of her costs to attend a local college and get the education needed for a state position.

“It gives me a chance to attend school, to study,” says Edith, who wants to be an accounts technician for the state. The EDD-Keep Your Home California combo has “made my life easier, better.”

And, like many homeowners who have been helped with the program, she educates others about Keep Your Home California. In fact, she posts details about the program on a Facebook page for former employees at the service center.

Several former employees have applied and been approved for Keep Your Home California, including two co-workers who also are attending college with Edith to expand their skills and hopefully get hired by the state.

“I said ‘this program is real, I’m one of the beneficiaries,’ ” she says of her Facebook post. “I got more than 50 Likes.”

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.”

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.”

Frank-H.

During the past dozen years, Frank H. has battled cancer, diabetes that caused him to lose his foot, the death of his parents and his longtime employer closed the plant where he worked and moved operations to Mexico.

Despite the challenges and difficulties, Frank feels blessed when he thinks of his family and friends, especially a housing counselor who introduced him to Keep Your Home California. He is also evidence that good things often happen to those who help others.

“I have a large family, and they’ve always been a big help,” says Frank, who often watches his nephews and nieces – and sometimes even their children — at his Fresno home. “My sister and brother often come over and bring me dinner.”

But he almost lost his home several months ago.

Frank was a manager of a door manufacturing company in Fresno when he lost his foot to diabetes in 2001, but he kept working. Several years later, the company closed the local plant and moved to Mexico, leaving Frank – and many others — without work. Then, he was diagnosed with cancer that required chemotherapy and radiation treatment.

Frank was approved for disability and still had health coverage because he paid $600 per month through his former employer. But even with health coverage, his medical bills were too much and prompted him to look at refinancing, a possible fix to his financial hardship.

“I tried to refinance, but they weren’t willing to restructure the loan,” says Frank, adding that he had multiple mortgage servicers during one year.

And as his mortgage servicers kept changing – making refinancing impossible – his medical bills kept arriving in the mail.

“My house was underwater, I just couldn’t make it,” Frank says. “I got behind on all of my bills. I had to choose every month what bills to pay.”

Frank had a longtime friend help him with some of his bills. And a chance meeting helped him lower his mortgage principal.

He was completing more refinance applications when he volunteered to help the needy in Fresno. His good deed led to good fortune, meeting housing counselor Elba Morales who had a booth at the event to help financially strapped homeowners. Morales was at the event on behalf of the Fresno Housing Authority, a HUD-approved housing counseling agency that partners with Keep Your Home California to help homeowners apply for the free program.

A few months later, Morales was digging through her documents looking for homeowners who could get help from Keep Your Home California and she remembered Frank.

“She went through the files in her closet to see who would be a good candidate” for the mortgage-assistance program, says Frank. “She knew that I was going through a rough time. She told me exactly what I needed to do. She took my hand, step by step.”

Frank applied for the Principal Reduction Program, which offers as much as $100,000 to homeowners, in late November. He was approved for the program two months later, and his principal was reduced by $47,000.

“Just taking that chunk off the principal, that’s a real Godsend,” says Frank, whose monthly mortgage payment dropped from $926 to $624.”It’s a lot of help to me, it’s a lifesaver.”

And that’s saying a lot for the cancer survivor who continues to deal with numerous health issues.

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.