47,347*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

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.

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.”

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.

Susan-M

Unemployment program eases ‘some of my concerns’

Human resources executive Susan M. first heard about Keep Your Home California during a large round of layoffs at her work.

Rapid response team representatives detailed numerous jobless benefits available to the affected employees, including Keep Your Home California’s Unemployment Management Assistance Program.

Susan, who held her position for more than 20 years, was used to hearing about programs established to help unemployed workers. But, this time, she was among the almost 100 employees laid off as part of an acquisition by a much-larger company.

“Thank God, there was something out there for us,” she says. “This is really a great program for those who have hit a bump in the road.”

Under the free mortgage-assistance program, out-of-work homeowners who are eligible for unemployment benefits from the state Employment Development Department can receive as much as $3,000 per month for up to one year.

“It’s bought me some extra time,” says Susan, who is busy looking for full-time jobs in Southern California. “I am very grateful.”

She applied for the free program on June 6, and was approved for funding July 2.

“I was kind of surprised, that was really fast,” she says. “Within 10 days, Keep Your Home California said everything looked good and they sent the information to the credit union.”

A couple weeks later, her mortgage servicer, Logix Federal Credit Union, approved her for the state-managed program. Dozens of credit unions participate in the program.

“The application process was very easy, but there was a lot of paperwork,” says Susan, who bought her home north of Los Angeles in 2003. “Having a little bit of knowledge (about completing paperwork) helped.”

Now, she can focus her attention on finding another job rather than worry about her monthly mortgage payment.

“I’m very thankful,” Susan says. “It doesn’t solve all of my problems, but it does ease some of my concerns.”

Ana-G

Homeowner Ana G.: Keep Your Home California helped during the most traumatic time in her life

Ana, originally from the Philippines, lost her husband in February 2013.

The single mom of a 6-year-old son and 10-year-old daughter says living on a single income with two children is challenging. Ana needed help, and that’s when she turned to Keep Your Home California.

Ana applied and was approved for Keep Your Home California’s Principal Reduction Program. The free mortgage-assistance program funded $43,000 to pay down Ana’s principal balance, which helped lower her monthly mortgage payments.

“It means that I can still afford to keep our lifestyle, instead of moving into an apartment,” she says.

Ana says keeping the house was a way for her children to remember their father. The family has lived in the home since 2005.

“Keeping the house was important for us,” says Ana, who lives in Northern California. “The house has a lot of memories, especially of their dad.”

The Principal Reduction Program provides as much as $100,000 in mortgage assistance for financially strapped homeowners. The program can save homeowners hundreds of dollars every month in mortgage payments.

“Moving out of the house would have been another traumatic change for my kids,” says Ana, whose mortgage servicer is Residential Credit Solutions.

Thanks to Keep Your Home California, she continues to watch her two children play sports in the backyard.

“I hope people are aware of this program,” Ana says. “It really helps you keep your house.”

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?

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.