38,895*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

Testimonials

Keep Your Home California delivers for former postal service employee, eliminating $100,000 from her mortgage

Homeowner Deidra L. admits she was a big skeptic of Keep Your Home California, a free mortgage-assistance program that offers as much as $100,000 in principal reduction.

When a close friend encouraged her to apply for the federally funded program, Deidra, like many other homeowners, avoided making the call. She thought it sounded too good to be true.

Keep Your Home California assists financially strapped homeowners with their mortgage payments. Deidra, who moved to Elk Grove from San Francisco about eight years ago, was facing the real possibility of losing her home.

She had applied for other mortgage-assistance programs which didn’t pan out. And the first time she applied for Keep Your Home California, her mortgage servicer was not enrolled in the program.

But when she tried again, after the urging of the friend, Chase was participating in the program – and Deidra was approved for $100,000 in principal reduction.

“Keep Your Home California was totally different, it was very personal,” says Deidra, comparing the state-managed program with other mortgage efforts. “The process was very user-friendly. And you’re not passed over to people who don’t know about your situation. That’s very comforting to me.”

Deidra, who retired early with a severe disability from the U.S. Postal Service, was approved for the maximum in principal reduction in about 30 days.

“It was like a dream come true,” Deidra says of the application process and the program. “They want you to keep your home.”

So, after some phone calls and sending in her paperwork, a one-time skeptic became a big-time fan of Keep Your Home California.

“I cannot express it in words, it brought tears to my eyes,” says Deidra, whose monthly mortgage has been reduced by a few hundred dollars as part of the program “It was such a relief. I was sitting there in tears; I was prepared to lose my home. I’m keeping my home California.”

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.”

Rosa C

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.

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.”

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.

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?