‘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.”