How to Request a Payoff, Subordination Agreement or Short Sale Demand from Keep Your Home California
Resubordinate for HARP 2.0:
- Please be advised that Keep Your Home California will subordinate our lien to ensure eligible homeowners are able to refinance their property with a Making Home Affordable Refinance Program (HARP 2.0) loan.
- Keep Your Home California will not subordinate our lien if the refinance transaction includes any cash out to the homeowner.
All requests for a Keep Your Home California lien payoff, subordination agreement or short sale demand must include the following information:
- Homeowner name(s), as provided on the Deed of Trust
- Property address, as provided on the Deed of Trust
- Homeowner identification number, as provided on the Deed of Trust
- Title company name, address, and title agent contact information
Payoff Request must include the following documents:
- Signed 3rd party authorization from title/escrow company,
- Request for payoff from title or escrow company,
- The homeowner’s forwarding address (if applicable).
Short Sale Payoff Request must include the following documents:
- Signed 3rd party authorization from title/escrow company,
- Request for short sale payoff from title or escrow company,
- Estimated HUD-1,
- Preliminary report or title search,
- Copy of servicer-approved short sale,
- The homeowner’s forwarding address.
Deed In Lieu demand request must include the following documents:
- Signed 3rd party authorization from title/escrow company,
- Copy of servicer-approved Deed in Lieu agreement,
- Preliminary title report/search.
Subordination Request must include the following documents:
- Signed 3rd party authorization from title/escrow company,
- Request for subordination from title or escrow company,
- Estimated HUD-1,
- Preliminary Report,
- Completed Subordination Agreement must be provided by the Closing Agent and must be returned to Keep Your Home California after recording,
- Evidence of the terms of the new loan.
* For expedited handling, please include an express mail return envelope with your subordination request.
To obtain a payoff or short sale request, please email your request to: Payoffs@kyhca.org. Please include the following statement in the subject line of your email: Keep Your Home California – Attention: Payoff Department.
For subordination or Deed in Lieu demands, email your request to: Subordinations@kyhca.org. Please include the following statement in the subject line of your email Keep Your Home California – Attention: Subordinations Department.
You may also fax a request to 951.300.5992. Please include a cover sheet with the following statement in the subject line: Keep Your Home California – Attention: Payoff Department.
For questions regarding payoffs, subordinations or short sales, call 888.559.4225.
Turn Around Time:
All requests for a Keep Your Home California payoff, subordination agreement or short sale or Deed in Lieu demand will be provided within 10 to 14 days from the date of completed request. Keep Your Home California lien payoff, short sale and Deed in Lieu demand statements will include the total amount due, good through date, and banking instructions for where to send the payoff funds. If the homeowner name and the homeowner ID number are not included in the wire transmittal information the funds will be returned. If you have questions and need to speak with a KYHC representative, please call (888) 954-5338 during our normal hours, Monday through Friday from 8 a.m. to 5 p.m.