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Testimonials

Keep Your Home California delivers for former postal service employee, eliminating $100,000 from her mortgage

Homeowner Deidra L. admits she was a big skeptic of Keep Your Home California, a free mortgage-assistance program that offers as much as $100,000 in principal reduction.

When a close friend encouraged her to apply for the federally funded program, Deidra, like many other homeowners, avoided making the call. She thought it sounded too good to be true.

Keep Your Home California assists financially strapped homeowners with their mortgage payments. Deidra, who moved to Elk Grove from San Francisco about eight years ago, was facing the real possibility of losing her home.

She had applied for other mortgage-assistance programs which didn’t pan out. And the first time she applied for Keep Your Home California, her mortgage servicer was not enrolled in the program.

But when she tried again, after the urging of the friend, Chase was participating in the program – and Deidra was approved for $100,000 in principal reduction.

“Keep Your Home California was totally different, it was very personal,” says Deidra, comparing the state-managed program with other mortgage efforts. “The process was very user-friendly. And you’re not passed over to people who don’t know about your situation. That’s very comforting to me.”

Deidra, who retired early with a severe disability from the U.S. Postal Service, was approved for the maximum in principal reduction in about 30 days.

“It was like a dream come true,” Deidra says of the application process and the program. “They want you to keep your home.”

So, after some phone calls and sending in her paperwork, a one-time skeptic became a big-time fan of Keep Your Home California.

“I cannot express it in words, it brought tears to my eyes,” says Deidra, whose monthly mortgage has been reduced by a few hundred dollars as part of the program “It was such a relief. I was sitting there in tears; I was prepared to lose my home. I’m keeping my home California.”

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.”

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.”

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.”

Sherry C

Sherry C.’s daughter, a mortgage professional, encouraged her to apply for Keep Your Home California.

But it wasn’t until she saw a Keep Your Home California commercial on television that Sherry picked up the phone and applied for the free mortgage-assistance program.

“I was at my wits ends, I’ve been in my home for 35 years and I thought I was going to lose it,” says Sherry, who lives in the Sacramento region. “I was in tears. I paid every payment on time.”

But the retired state employee was like many homeowners in the state, she had refinanced her home and then the market tanked, leaving her with a severely underwater mortgage, as much as $300,000.

She applied for the Principal Reduction Program, which offers as much as $100,000 to help homeowners who owe more than their home is worth bring their outstanding mortgage balance closer to their homes’ current value.

Sherry applied in late October and was approved a few weeks later.

“They were very professional,” Sherry says of her experience with the counselors at Keep Your Home California. “Everyone was very respectful, cooperative and knowledgeable.”

Keep Your Home California dramatically cut her principal and reduced her monthly mortgage, from $1,220 per month to $805.

For the retiree on a fixed income, the monthly savings is a huge help.

“When the lady called, I started crying, my prayers were answered,” says the mother of three adult daughters. “I was between a rock and a hard spot, Keep Your Home California saved my life.”

Our programs are designed to help you keep your home if you've suffered a financial hardship.

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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

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2) Your Mortgage Servicer

  • Forbearance
  • Repayment plan
  • Short sale
  • Cash for keys

Contact your service provider for more information

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You may be eligible for the following Keep Your Home California Programs:

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