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Testimonials

EDD flyer led Daniel O. to Keep Your Home California

When Daniel O. lost his full-time job, he was like most people – he worried, a lot.

“I didn’t know what to do,” says Daniel, who lives in the Los Angeles area.

Then, he came across a flyer about Keep Your Home California from the state Employment Development Department. The state agency mailed more than 1.4 million flyers about the free mortgage-assistance program during 2014 alone.

Daniel, who has lived in the same home with his wife for 15 years, applied for Keep Your Home California in late spring 2013.

“There was a lot of information requested, but it really wasn’t all that complicated,” says Daniel, who was approved in a few weeks for the Unemployment Mortgage Assistance program.

The Unemployment Mortgage Assistance program provides as much as $3,000 per month for up to 18 months to out-of-work homeowners eligible for assistance from the EDD. The assistance will cover everything that is impounded with the monthly mortgage payment, including principal, interest, taxes, insurance and homeowner association fees.

“It was great,” says Daniel, who recommends the program to other homeowners in similar situations. “It was really a Godsend.”

In fact, Daniel was in a better situation than many other homeowners looking for work. He and his wife were a month ahead on their mortgage payments and had some savings.

Keep Your Home California allowed Daniel to focus on finding another full-time job without worrying about his mortgage.

“It was such a relief … very thankful,” says Daniel, whose mortgage servicer is Wells Fargo, one of the most active servicers enrolled in Keep Your Home California. “We couldn’t have done it without the program.”

Danielle

Single mother turns to Keep Your Home California after being laid off

Plummeting crude oil prices hurt many oil companies in the Bakersfield region.

Unfortunately, Danielle B. is one of those employees who worked for an oil company. She says her company started laying off workers earlier rather than later.

“I didn’t know what I was going to do after I lost my job,” Danielle says.

Danielle was let go in fall 2014 and was told her position would be eliminated since the company was downsizing. She was a special projects coordinator, which looked over invoicing and auditing.

Danielle is a single mother who does it all. She has two children – an 18-year-old daughter and 13-year-old son. Both grew up in the home they live in today. It’s also the first home Danielle ever owned.

“Our next-door neighbors have children the same age and they all went to school together,” Danielle says. “They are like family.”

A Keep Your Home California flyer that she received in the mail is how she found out about the Unemployment Mortgage Assistance program. The Employment Development Department has mailed more than 1.5 million of the Keep Your Home California flyers to homeowners in California during the past two years.

The free mortgage-assistance program offers homeowners who have received unemployment benefits within the past 30 days from the Employment Development Department as much as $3,000 per month, for a maximum of 18 months.

Danielle says she’s extremely blessed.

“My house means everything to me,” she says.

After she received the approval letter from Keep Your Home California, she says the weight was lifted off of her shoulders.

“When the parents are stressed, the kids are, too,” Danielle says. “I was able to focus on trying to find a job without worrying how I was going to pay for my mortgage.”

Danielle wants others to know that everybody from Keep Your Home California has been helpful and nice throughout the process.

“The worst answer you could get is ‘no,’ so definitely give it a try,” Danielle says. “Don’t be afraid to apply for the program. A lot of people have pride and don’t want to ask for help, but they should.”

Danielle is ecstatic that her kids will be able to stay in their first home and her daughter will graduate from the same high school.

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.”

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.”

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.”

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

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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!

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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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Is your payment unaffordable even though you have emerged from your temporary hardship?

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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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