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curtis_h

Sometimes being a pack rat pays off. Just ask Curtis H.

Curtis received some information about Keep Your Home California almost a year ago.

‘I didn’t even read it at the time,” says Curtis, who tucked away the information though he doesn’t really know why. “I guess I’m kind of a pack rat.”

Several months – and a divorce – later, the information proved valuable. It’s been the difference between losing and keeping his home in Lincoln, about 25 miles northeast of Sacramento.

“I knew it was too much money alone,” says Curtis, who lost his former wife’s income and was forced to make the mortgage payment alone. “I took over all of the bills, and I wasn’t able to afford all my payments.

“I had absolutely no cash,” says Curtis, a construction industry worker. “If I had the car break down, it would have to be on the VISA (card).”

Curtis applied for the principal reduction program in June, hoping to cut his monthly mortgage payment and the money owed on his new home.

“It was easy, it really blew me away,” says Curtis, who adds the biggest challenge was writing the hardship letter, detailing his financial challenges. But after a quick search online, he found a few hardship letters that served as his guide. “The paperwork was easy.”

Curtis says the determination is well worth the effort. Keep Your Home California approved his principal reduction application this summer, saving him about $132 per month.

“It doesn’t sound like a substantial amount, but it was enough money,” Curtis says. “I won a raffle, a prize.”

The state-run program also dropped his principal from $230,000 to $209,000.

“Technically, I got a lot more than $21,000” in principal reduction, says Curtis, who crunched the numbers and figures his overall savings during the lifetime of his mortgage was much higher. “It’s a huge difference. It was a miracle.”

Eleanor E

‘My home is my anchor,’ says homeowner who benefited from Mortgage Reinstatement Assistance Program

Homeowner Eleanor E. becomes emotional when she talks about Keep Your Home California.

“I’m here, I’ve got my home … and I was so close to losing it, says Eleanor, a hardworking grandmother who has lived in her Southern California home for the past 13 years.

But, like many Californians during the past several years, Eleanor lost her job, had a hard time finding work and got behind on her monthly mortgage payments.

“Early 2013 was awful; it was horrendous,” says Eleanor, whose mother died during the first few months of last year. “Problems don’t discriminate.”

In fact, Eleanor was close to filing for bankruptcy protection when she found a good job.

But even with her new job, there was still another financial hurdle – more than $20,000 in missed mortgage payments. Eleanor faced the reality of losing her home.

“I just kept getting further behind, I was devastated,” says Eleanor, whose daughter and two grandchildren live with her.

Then, she was told about Keep Your Home California’s Mortgage Reinstatement Assistance Program. The program offers as much as $25,000 to help homeowners like Eleanor to “catch up” on their mortgage payments.

“It didn’t take very long, maybe six weeks from start to finish” to be approved for the program, says Eleanor, who connected personally with the counseling center representative. “I felt like I had a friend who helped with my paperwork. I was in tears when she called. I think she was crying because I was crying.”

The house means a lot to Eleanor and her family.

“My home is my anchor,” says Eleanor, who has a 7-year-old autistic grandson.  “It’s so important for my grandson to have stability, come home to the same place. It would have been devastating (to lose the home).”

Now, the family gets to keep the home thanks to Keep Your Home California, a program that Eleanor shares with family and friends. In fact, she carries the phone number to the program in her wallet.

“It’s a Godsend, a miracle,” she says of the program. “I’m here, I’ve got my home, and I was so close to losing it.”

david_s

Homeowner David S. has battled a bad economy, the hard-hit housing market and a gloomy jobs outlook – just like many Californians.

But David, who has owned his condominium in the Park Mesa neighborhood in San Diego for 10 years, is committed to keeping his home and finding a job, even in a new profession.

He applied for a loan modification through his mortgage lender, with no luck after an exhausting and lengthy effort. He made larger-than-required payments for a few months to lower the mortgage principal and show his dedication to homeownership. And even during the most difficult months financially, David made at least half of the monthly mortgage payment.

Still, the long-term unemployed professional was facing the grim reality of losing his condo.

Then, David applied for Keep Your Home California in mid-April. His commitment and attention to detail – he has three, 3-inch thick binders of financial and mortgage-related paperwork – paid off in June when he was approved for the state-run mortgage assistance program.

Keep Your Home California, funded by the federal government’s Hardest Hit Fund®, made his mortgage payments in July, August and September, and will likely continue through the end of the year.

“I’m very grateful for the program,” David says. His application was a bit more complicated than most, especially since he had a commission-only job for a brief period that created a hiccup with the state Employment Development Department and much slower-than-average processing by his mortgage servicer.

But the end result was well worth the effort and allows him to concentrate on finding a job – and possibly a new career.

“They’re trying to find you suitable time to find employment,” says David, a former director of sales and senior associate for an audio visual company. “I don’t have to worry about the risk of losing my home while looking for employment.”

David encourages other out-of-work homeowners to look into the Unemployment Mortgage Assistance Program, which has about $875 million in funding. Keep Your Home California expects to help about 60,500 homeowners with the program, with average funding of $14,455.

“It’s a horrible … terrible feeling” to face the possibility of losing your home, David says. “Time is what this program has given me.”

“I think everybody is trying to figure out what is next” with the economy and the housing market, he says. “When there is a happy ending, this program will be what saved me.”

abigail_m

Homeowner Abigail M. has a hard-to-beat connection that introduced her to Keep Your Home California.

When Abigail of Stockton lost her accounting and executive secretary position in the homebuilding industry in late 2010, she was like many Californians — concerned about how to make ends meet, especially her mortgage payments.

“I worried that if we ran out of unemployment benefits, we were going to be homeless,” says Abigail, whose husband was battling kidney cancer and recovering from surgery at the time.

So, Abigail checked into different government housing assistance programs with little luck. She attended foreclosure prevention workshops to learn more about her options. And she even reached out to her local elected representatives and President Obama.

“I found out about the program by writing a letter to President Obama,” says Abigail, who received information about Keep Your Home California from the U.S. Treasury Department. “Thank God, people read those letters.”

Indeed, the department gave her information about the $2 billion mortgage assistance program that was established with federal funding approved by President Obama.

She applied and was approved for the Unemployment Mortgage Assistance Program in November 2011.

“The packet was easy to follow,” Abigail says.

The couple received nine months of mortgage assistance from the state-run program, giving them some financial breathing room during a very difficult period.

“I tell everybody” about Keep Your Home California, says Abigail, adding many homeowners continue to suffer in Stockton, often reported as the hardest-hit community for foreclosures in the nation. “I look at prices in my subdivision, and it breaks my heart. Unfortunately, I’ve run into some high school friends who need help.”

“It’s been a hard road,” Abigail. “If you guys weren’t here, I can’t imagine what would have happened to a lot of us.”

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.”

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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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?

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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.