49,886*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

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.”

Testimonials

EDD flyer led Daniel O. to Keep Your Home California

When Daniel O. lost his full-time job, he was like most people – he worried, a lot.

“I didn’t know what to do,” says Daniel, who lives in the Los Angeles area.

Then, he came across a flyer about Keep Your Home California from the state Employment Development Department. The state agency mailed more than 1.4 million flyers about the free mortgage-assistance program during 2014 alone.

Daniel, who has lived in the same home with his wife for 15 years, applied for Keep Your Home California in late spring 2013.

“There was a lot of information requested, but it really wasn’t all that complicated,” says Daniel, who was approved in a few weeks for the Unemployment Mortgage Assistance program.

The Unemployment Mortgage Assistance program provides as much as $3,000 per month for up to 18 months to out-of-work homeowners eligible for assistance from the EDD. The assistance will cover everything that is impounded with the monthly mortgage payment, including principal, interest, taxes, insurance and homeowner association fees.

“It was great,” says Daniel, who recommends the program to other homeowners in similar situations. “It was really a Godsend.”

In fact, Daniel was in a better situation than many other homeowners looking for work. He and his wife were a month ahead on their mortgage payments and had some savings.

Keep Your Home California allowed Daniel to focus on finding another full-time job without worrying about his mortgage.

“It was such a relief … very thankful,” says Daniel, whose mortgage servicer is Wells Fargo, one of the most active servicers enrolled in Keep Your Home California. “We couldn’t have done it without the program.”

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.”

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.”

Brayton W

Unemployment program helped husband and wife after they were both laid off with newborn.

It’s a story that is heartbreaking for any family.

Brayton W. and his wife decided to buy their dream home in Riverside during 2009. Two years later, they welcomed a new little girl into the world.

After working at a hotel for more than four years, the company decided to downsize and, as a result, Brayton was laid off.

The family turned to their savings to pay the bills and mortgage. Brayton worried about what would happen after the money was gone from the savings account.

“That’s the last thing you want to do is move from house-to-house when you have a newborn,” Brayton says.
A couple months later, Brayton’s wife, a school nurse for a local school district, was also laid off.

Fortunately, Brayton found out about the Keep Your Home California program through an unemployment workshop.

“I spoke to a counselor and went through the process of applying for the unemployment assistance program,” Brayton says. “It was a blessing for the next nine months. I wouldn’t have to worry about my house payment while I looked for a job.”

The Unemployment Mortgage Assistance Program offers as much as $3,000 per month for up to 12 months for out-of-work homeowners. Qualifying homeowners must have received unemployment benefits from the state Employment Development Department within the past thirty days, at the time of their Keep Your Home California application.

He says it was the best feeling to know that his family could stay in their dream house.

“We didn’t really want to give up the house. It meant the world to my wife and me,” Brayton says. “To know there was a program to help you.”

He wants others to know the process is straightforward and the program can help tremendously.

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?

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.