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Testimonials

Homeowner Candy W. says persistence pays off.

The Sacramento-area resident applied for Keep Your Home California in July 2012, but she didn’t qualify at that time.

Several months later, she was approved for a hefty principal reduction by the state-managed program that lowers her monthly mortgage payments by hundreds of dollars.

“It’s all about documentation,” says Candy, who bought her home eight years ago at the peak of the housing market. “You have to be persistent.”

Candy had looked into other programs; she had been approved for two loan modifications, which lowered her interest rate from 5.75% to about 4.75% — but those saved her only $30 per month.

She needed more help.

As a state employee, Candy had lost a significant amount of income from furloughs and through a divorce. So, when she heard about Keep Your Home California on Sacramento TV station KCRA and a local radio station, she decided to apply and see if the state mortgage-assistance program was an option.

“It was a shot in the dark,” says Candy, who admits she was stressed about her mortgage. “But I was hopeful that something would come along.”

She says the process was rather simple, but adds that homeowners need to complete the paperwork as soon as possible and be an active participant in the process.

“Everything just has to be documented,” she says. “It’s just about following along with your processor.”

Now, she tells coworkers and friends about Keep Your Home California.

“It’s pretty encouraging,” says Candy, who has detailed the program to at least 10 coworkers during the past several months. “This is a major help.”

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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.”

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Homeowner Wayne M. has counseled many families looking for the American Dream – and those living through a real-life nightmare.

It’s been more the latter in recent years, as hard-hit homeowners struggle with their mortgage payments and try to fend off foreclosure. Many cash-strapped homeowners ask for help months after they get behind on their mortgage and have received multiple late payment notices from their servicer.

“Some people are very reluctant” to ask for help, says Wayne, a homeownership counselor for Neighborhood Housing Services of Los Angeles County. “You ignore the problem; you think it will go away. You just try to forget about it.”

But it doesn’t. Just ask Wayne.

His full-time job is to help homeowners apply for government assistance programs such as Keep Your Home California. Wayne is also a client of the state-run program. He was recently approved for the Mortgage Reinstatement Assistance Program, which offers as much as $25,000 to help homeowners catch up on their mortgage payments.

“Just a little tweak and you can get people back to normal,” he says. “The little tweak really helped me out.”

Now, the Los Angeles County homeowner is back on track with his mortgage payments and his financial footing.

“Basically, it bought me some time … gave me some breathing room,” says Wayne, who is married and has three children. “I talk it up at events, even when I’m in the grocery store. I’m not only a counselor, but a client.”

His firsthand experience helps homeowners interested in the program.

“They’re a lot more receptive” when they learn of his participation in the federally funded program. “They see that you really have their interest and you know their situation.”

But he says more homeowners need to look into the program.

“It doesn’t make sense for people not to try and for banks not to participate,” Wayne says. “It can work for so many people.”

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.”

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Southern California homeowners Richard and Cynthia C. applied for a federal program seeking financial help for their mortgage payments last spring.

But the couple were denied because their combined income failed to meet minimum income requirements. They were devastated.

“We thought ‘what are we going to do?’” says Richard, who was laid off from his job in March 2010. His wife had also recently lost her job with a temporary agency.

Then, the Claremont couple came across Keep Your Home California while watching the local PBS station. But they were skeptical. An aunt had spent thousands of dollars for mortgage assistance with little success.

“For every good program, there are 10 bad programs” claiming to help homeowners with mortgage payments, Cynthia says.

“We started checking it out, and found that it was on the up and up,” Richard says of the state-run program with $2 billion in federal funding.

A brief phone call, followed by a longer counseling session and then the gathering and sending of documents paved the way for the Unemployment Mortgage Assistance program – and some security for the couple. Keep Your Home California covers their mortgage payments for six months, and now up to nine months with new expanded eligibility requirements

“Thank God,” says Richard, who adds from the first phone call to final approval took about four weeks. “It’s hard for us to find a job. It’s just been so difficult. It’s been a godsend.”

Now, Cynthia and Richard, who have a daughter attending college, tell family members and friends about Keep Your home California. ‘We’re mentioning the program all of the time,” she says.

They want other hard-hit homeowners to apply for and take advantage of the program that offers the opportunity to look for work without worrying about mortgage payments.

“It gives you peace of mind,” Richard says of Keep Your Home California. “This uplifted us.”

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

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