51,231*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

Sherry C

Sherry C.’s daughter, a mortgage professional, encouraged her to apply for Keep Your Home California.

But it wasn’t until she saw a Keep Your Home California commercial on television that Sherry picked up the phone and applied for the free mortgage-assistance program.

“I was at my wits ends, I’ve been in my home for 35 years and I thought I was going to lose it,” says Sherry, who lives in the Sacramento region. “I was in tears. I paid every payment on time.”

But the retired state employee was like many homeowners in the state, she had refinanced her home and then the market tanked, leaving her with a severely underwater mortgage, as much as $300,000.

She applied for the Principal Reduction Program, which offers as much as $100,000 to help homeowners who owe more than their home is worth bring their outstanding mortgage balance closer to their homes’ current value.

Sherry applied in late October and was approved a few weeks later.

“They were very professional,” Sherry says of her experience with the counselors at Keep Your Home California. “Everyone was very respectful, cooperative and knowledgeable.”

Keep Your Home California dramatically cut her principal and reduced her monthly mortgage, from $1,220 per month to $805.

For the retiree on a fixed income, the monthly savings is a huge help.

“When the lady called, I started crying, my prayers were answered,” says the mother of three adult daughters. “I was between a rock and a hard spot, Keep Your Home California saved my life.”

Testimonials

Debra says homeowners shouldn’t delay and apply for the program as soon as possible.

Debra T. has a bit of advice for cash-strapped homeowners considering the Keep Your Home California program – don’t delay and call today.

“I kept putting it off,” says Debra, who kept hearing Keep Your Home California commercials on radio station KFRG (better-known as “KFROG” in Southern California). “I didn’t want to hear the word ‘no.’ ”

Eventually, Debra applied for the federally funded, state-run mortgage program early last year and was approved in May 2012. She was approved for $100,000 in principal reduction, the maximum under the Principal Reduction Program.

A servicer-approved loan modification coupled with the Keep Your Home California Principal Reduction Program dropped her principal from $280,000 to $138,000.

“I was so ecstatic.” says Debra, who lives in Bloomington in San Bernardino County. “I’m so thankful that this type of program was available.”

Debra definitely fits the requirements for help from the $2 billion program, established under the Hardest Hit Fund. Her husband died after a long battle with cancer in 2008. He didn’t have life insurance and even with health insurance, the medical bills took their financial toll.

“My biggest fear was losing the house,” says Debra, who has three children at home and her mother living with them as well. “It’s a small house and it’s a little cramped, but I wouldn’t have it any other way.”

She suspects her experience with her mortgage servicer is probably similar to many other homeowners, who are struggling to keep their homes.

“It’s really frustrating to a lot of homeowners,” she says. “I’m sure a lot of homeowners lost their homes because servicers dragged their feet or they were just overwhelmed (with the number of homes and homeowners in trouble).”

But her experience with Keep Your Home California was much better.

“I was really pleased with the response from Keep Your Home California,” Debra says. Her counselor “was very helpful.”

So, Debra strongly encourages homeowners to learn more about the program and apply for the free mortgage help as soon as possible.

“I recommend the program to anyone who is struggling,” she says. “It doesn’t hurt to try.”

Danielle

Single mother turns to Keep Your Home California after being laid off

Plummeting crude oil prices hurt many oil companies in the Bakersfield region.

Unfortunately, Danielle B. is one of those employees who worked for an oil company. She says her company started laying off workers earlier rather than later.

“I didn’t know what I was going to do after I lost my job,” Danielle says.

Danielle was let go in fall 2014 and was told her position would be eliminated since the company was downsizing. She was a special projects coordinator, which looked over invoicing and auditing.

Danielle is a single mother who does it all. She has two children – an 18-year-old daughter and 13-year-old son. Both grew up in the home they live in today. It’s also the first home Danielle ever owned.

“Our next-door neighbors have children the same age and they all went to school together,” Danielle says. “They are like family.”

A Keep Your Home California flyer that she received in the mail is how she found out about the Unemployment Mortgage Assistance program. The Employment Development Department has mailed more than 1.5 million of the Keep Your Home California flyers to homeowners in California during the past two years.

The free mortgage-assistance program offers homeowners who have received unemployment benefits within the past 30 days from the Employment Development Department as much as $3,000 per month, for a maximum of 18 months.

Danielle says she’s extremely blessed.

“My house means everything to me,” she says.

After she received the approval letter from Keep Your Home California, she says the weight was lifted off of her shoulders.

“When the parents are stressed, the kids are, too,” Danielle says. “I was able to focus on trying to find a job without worrying how I was going to pay for my mortgage.”

Danielle wants others to know that everybody from Keep Your Home California has been helpful and nice throughout the process.

“The worst answer you could get is ‘no,’ so definitely give it a try,” Danielle says. “Don’t be afraid to apply for the program. A lot of people have pride and don’t want to ask for help, but they should.”

Danielle is ecstatic that her kids will be able to stay in their first home and her daughter will graduate from the same high school.

alpha_r

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.”

Karen-K

Volunteer who helps others achieve the American Dream turns to state program to keep her own home.

Karen K. has a unique story.

She’s been a volunteer for more than 10 years with Habitat for Humanity, and helped build homes while she worked full-time at a marketing research company.

“I view homeownership as important,” Karen says. “I want to give back and help others who want to own their own home.”

Karen never thought she would be the one reaching out for help. After working in the greater Los Angeles area for more than 20 years, her position was eliminated.

She heard about the Keep Your Home California program through a financial strategies class offered through her career counseling service. She visited the Keep Your Home California website, but didn’t think she would qualify for the free mortgage-assistance program.

A few months passed, and her career coach encouraged her to look into the program one more time and asked, “Did you talk to a live person?”

Karen said, “No.” So, the single homeowner called the toll-free Keep Your Home California phone number and, to her surprise, she qualified for the Unemployment Mortgage Assistance program.

Thanks to the program, Karen is still living in the condo she bought 12 years ago.

“Instead of eating away at my savings, the program helped me financially,” Karen says. “It was a blessing.”

She wants to encourage others to apply for the state-managed program.

“It gives people a peace of mind and its one less thing you have to worry about so you can focus on your job search,” she says.

Although Karen is still searching for a full-time position, she’s hoping to stay in the LA area.

“It was really easy to apply. Homeowners should definitely give it a shot and talk to a person to take you through the process,” says Karen, who continues to volunteer with Habitat for Humanity.

“I’m a huge volunteer with Habitat for Humanity, and if a program can help me save my home, I want to do the same for someone else.”

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.

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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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Is your payment unaffordable even though you have emerged from your temporary hardship?

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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?

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.