Asking for financial help is never easy, regardless of how much you need it. So, Keep Your Home California wanted to create a much easier-to-use website that asks a dozen questions and serves as the first step in applying for the mortgage assistance program.

It’s a big step forward for the federally funded, state-run program with almost $2 billion available for hard-hit homeowners in California. Program officials hope it makes the program more accessible for homeowners and eliminates those fears about seeking help, especially when it comes to finances.

With the new website (, homeowners can learn in just a few clicks – and a few minutes (it could possibly take you seconds) – if they might qualify for the program and, if so, which programs will likely meet their needs. If homeowners make it through the 12 questions and are considered “pre-eligible,” then we encourage them to pick up the phone and call the counseling center at 888-954-5337 and take the next step.

Certainly, a website cannot ask every question or determine each situation, so if homeowners are deemed ineligible, they may still want to call and apply over the phone. But, there are some black-and-white eligibility questions that are easy, such as do you live in California, do you own and occupy your home as your primary residence, is the amount you owe on your first mortgage equal or less than $729,750? If you say “yes” to all of these questions, you’ve just taken the first step toward obtaining free assistance through one or more Keep Your Home California program.

Of course, your mortgage servicer –the company where you send the monthly mortgage payment – must participate in Keep Your Home California, and the program you are applying for. You can check the complete list of participating mortgage servicers and the programs they have enrolled in at

The new website also features some of our success stories: homeowners who have applied, been approved and benefited from the program. Just read the experiences of homeowners Abigail, Alpha, Audrey, Curtis, Wayne and some of the other folks who have been helped, and we’re confident you’ll feel inspired by their successes and will want to create a Keep Your Home story of your own.

So far, Keep Your Home California has helped almost 25,000 homeowners with about $275 million since the program started in February 2011. Funds have also been reserved for another 10,000 homeowners pending final eligibility determination.

If you would like more information about Keep Your Home California, check (or in Spanish) or call 888-954-5337. The processing center is open 7 a.m. to 7 p.m. weekdays, and 9 a.m. to 3 p.m. Saturdays. Calls can be accommodated in virtually any language.