42,845*

Californians have qualified so far.

Maybe we can help you keep your home, too.

Find out if you qualify!

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Homeowner Audrey M. was committed to keeping her home – and finding a full-time position.

She accomplished both with the help of Keep Your Home California.

“It’s my home; I love it,” says Audrey, who bought her Elk Grove house 10 years ago. “I didn’t want to lose it, and I didn’t want to rent it out.”

Audrey applied for Keep Your Home California in March, but was first denied since she cashed-out when she refinanced her home. A few months later, a counselor called Audrey and told her to apply again since some guidelines had changed.

“It happened very fast,” Audrey says of the application process. “It was very clear, very easy to understand.”

Of course, Audrey, who was out of work for 20 months, says her three-decade career in the banking industry likely helped her speed along the application process. But she adds most homeowners could complete the application and tackle the paperwork with little trouble.

After sending some documents and writing a hardship letter, Audrey was approved for the program, allowing her to focus on the all-important job search in one of the hardest-hit industries in the state.

Keep Your Home California made her monthly mortgage payments for five months – July through November. Her sixth, and final, mortgage payment from the state program was never sent.

And Audrey couldn’t have been happier – she found a job in nearby Roseville.

“It’s a great program,” said Audrey, who started her new banking position in November.

Audrey, like many program recipients, touts Keep Your Home California to friends facing difficult times who are also looking for work.

“I wish more people would learn about the program,” she says.

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Longtime mortgage professional Laurie C. entered the fast-paced business because she “likes helping people.”

Now, Laurie – who has enjoyed a 20-year career in the home lending industry but has endured three recessions along the way – is getting a helping hand from Keep Your Home California.

Like many homeowners in California, Laurie has become a casualty of the dismal economy and the hard-hit housing market. She has been “in and out of work” for the past five years, as the housing market struggles through one of its worst downturns.

She was most recently laid off July 1, and soon after applied for Keep Your Home California’s Unemployment Mortgage Assistance Program. The state-run program helps out-of-work homeowners with their payments, up to a maximum of $3,000 per month for six months.

“I tried to do a modification … but they gave me the runaround for a year,” Laurie says. The Keep Your Home Program was different. “They had me qualified and eligible in 10 days.”

The mortgage servicer, which must participate in the program, approved the payment plan for Laurie a week later.

Keep Your Home California – established with $2 billion in federal funds through the U.S. Treasury’s Hardest Hit Fund® – started making her monthly $750 mortgage payment in September, and will continue through February, Laurie says.

“I don’t know what I’d be doing” without the mortgage assistance, says Laurie, who lives in a condominium in Roseville, about 20 miles northeast of Sacramento. “I totally believe in this program.”

Laurie often educates other financially strapped homeowners about the Keep Your Home California and how the program has helped her save her home.

“I’m out there selling it,” Laurie says. “I’m a true believer that things happen for a reason.”

 

 

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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

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.”

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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.”

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?

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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.