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.”