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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Mortgage industry veteran Jack H. has experienced fast-rising home prices and plunge-like-a-rock housing values during his 30-year career. But nothing compares to the current market.

“I never thought it would be this bad – and for this long,” says Jack, who lives in Orangevale, about 20 miles from the state Capitol in downtown Sacramento. “It’s new ground for everybody.”

Indeed, homeowners who once enjoyed annual double-digit price gains have endured an average decline in their home value of more than 40 percent since the housing crisis started. And one-time multiple offers for homes have given way to a record number of foreclosures and short sales as lenders take them back.

“We didn’t realize how good we had it,” says Jack, referring to the booming economy during the first half of this past decade that has turned into a gut-wrenching bust since 2007.

Jack – like more than 2 million Californians – is unemployed. He has been jobless off and on for the past three years.

“I had a lot of responsibility,” Jack says of his previous positions in the mortgage industry, including as an executive with The Money Store. The company was one of the nation’s largest mortgage lenders before being sold more than a decade ago.

“Now, it’s hard to get a job,” says Jack, who is receiving mortgage assistance from Keep Your Home California while he looks for work.

Jack first heard about the state-run program at the California State Fair in mid-July. He completed an application and the necessary documents and was approved for the Unemployment Mortgage Assistance Program two weeks later.

“It all happened very quickly,” he says. “I was impressed with the service.”

Keep Your Home California, with $2 billion from the U.S. Treasury’s Hardest Hit Fund®, started paying his monthly mortgage in September and will continue for the next several months – or until Jack finds work.

“It helps me breathe a little,” says Jack, a matter-of-fact guy who moved from his native New Jersey to the Sacramento region in 1994. “It’s nice to not make a payment for a while.”

So, with Keep Your Home California handling his mortgage payments, Jack concentrates on applying for positions, including those in one of the hardest-hit industries where he had a front-row seat to the housing meltdown – and now watches for the recovery.

“Nobody is looking to upgrade” their home, says Jack, who expects the housing market to struggle for some time. “It’s not going to be an easy turnaround.”

Jack, a Navy veteran and former reservist with the Navy and Army National Guard, volunteers at a local church when he is not looking for work.

“Anybody I talk to, I tell them (about Keep Your Home California),” he says. “It was painless, it was easy.”

 

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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.”

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.

laurie_c

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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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?

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.