More than 10,000 homeowners helped in 2016

Keep Your Home California recently closed the books on another strong and successful year, assisting more than 10,000 homeowners from Calexico to Crescent City – and just about every community in between.

The federally funded program has become much-appreciated by homeowners, helping them through difficult and stressful chapters of their lives. Many homeowners dealing with hardships – such as a job loss, pay cut, a divorce, a death in the family or even extraordinary medical bills – are helped by the free mortgage-assistance program.

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“The support is a big financial relief,” says homeowner Vinh L., who benefited from the Principal  Reduction Program through Keep Your Home California that saves his family almost $400 per month. “We were in huge financial distress.”

 

And that’s the mission of Keep Your Home California, which has issued more than twice as much funding to homeowners than any other state in the Hardest Hit Fund program.

Even with an improved economy and housing market, there are still many homeowners who need help. For example, there are an estimated 400,000 out-of-work homeowners in the state. About 310,000 California homeowners with a mortgage are considered underwater.

Keep Your Home California is definitely needed and continued to help at an impressive pace in 2016. Homeowners who were helped by the state-managed program received more money, on average, than previous years.

In 2016, Keep Your Home California assisted 10,262 homeowners with a total of $342.2 million in funding, the second best year in terms of the amount of assistance provided to homeowners. Last year’s funding was down slightly compared to 2015, when 11,173 homeowners received a total of $352 million.

The average homeowner received a record $33,346 in 2016, almost $1,850 more than in 2015 – and $8,359 more than 2014. A boost in Principal Reduction program recipients, where homeowners can receive as much as $100,000, accounted for the increase.

KYHC Funding Comparison

Clearly, there still are many homeowners who need help in the state. Whether it’s catching up on past-due mortgage payments or seeking assistance for an unaffordable or underwater mortgage, Keep Your Home California has a program to help.

The Unemployment Mortgage Assistance Program remains the most utilized, helping 5,699 homeowners in 2016. The average assistance was $26,594 – almost $2,300 more than a year earlier.

The Unemployment Mortgage Assistance Program offers as much as $3,000 per month for up to 18 months – or a total of $54,000 – to help out-of-work homeowners eligible for jobless benefits from the state Employment Development Department. The program allows homeowners to focus on finding a job rather than worry about their mortgage payments for a while.

The Principal Reduction Program is the largest of the five programs based on funding issued — $154.8 million in 2016. The average homeowner approved for principal reduction received about $62,390. The program provides a maximum of $100,000 in mortgage assistance.

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Of course, the now 6-year-old program also has an economic impact on nearby homeowners, the surrounding communities, and even property and sales-tax revenue.

An economic impact report conducted by Dr. Joseph C. Von Nessen, a Research Economist at the University of South Carolina, Darla Moore School of Business, determined that for every $1 issued to help homeowners through Keep Your Home California, $2 of economic activity was preserved within the state’s economy.

Another highlight from the report, found that Keep Your Home California preserved a total of $2.5 billion of economic activity by preserving jobs, tax revenue and property values of nearby homeowners across the state.

A few other highlights from 2016:

  • Keep Your Home California received an additional $383.3 million in funding from the U.S. Department of the Treasury. The dollars will allow Keep Your Home California to help at least another 12,000 homeowners. The program sunset date was also extended to December 31 2020, or until all of the money is issued to homeowners, whichever comes first.
  • Added 30 new mortgage servicers to the program. Almost 270 mortgage servicers – including Bank of America and Wells Fargo – currently participate in the program.
  • Developed six homeowner stories for online and TV commercials in English and Spanish. If you haven’t seen them, they are available on the Keep Your Home California website.

Keep Your Home California has assisted more than 71,000 homeowners with approximately $1.7 billion in funding.

As always, we encourage more low to moderate income homeowners to apply for Keep Your Home California.

In order to apply, homeowners must have a financial hardship, such as a job loss, cut in pay, divorce, death in the family or extraordinary medical expenses.

In addition to the financial hardship, homeowners must meet county-by-county income requirements and their mortgage servicer – the company that collects the monthly payment – needs to participate in Keep Your Home California.

Homeowners interested in learning more or applying for the program should call the counseling center at 888-954-KEEP (5337) or visit www.KeepYourHomeCalifornia.org or www.ConservaTuCasaCalifornia.org for Spanish speakers. The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Calls can be taken in virtually any language through a free translation service.

 

 

 

 

 

 


Celebrating five years of helping homeowners

Keep Your Home California turns five years old in February.

And like any 5-year-old, the free mortgage assistance program has changed, a lot.

When Keep Your Home California debuted, the state’s once-booming housing market had collapsed. Foreclosures dominated many communities, from Crescent City to Chula Vista. Home values plummeted statewide, in some cases by more than 50%.

Homeowners across the state were in need of financial help – and even an inkling of hope that they could remain in their homes. Fortunately, Keep Your Home California was – and still is – able to provide both, with up to $100,000 in mortgage payment assistance.

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From the start, the four Keep Your Home California first mortgage programs were designed to help homeowners address hardships from different aspects of the foreclosure crisis. If you lost your job, the Unemployment Mortgage Assistance Program could make your payments for you while you looked for work. If you had severe negative equity, the Principal Reduction Program could reduce the outstanding principal balance you owed. And so on…

Officials with the state-managed program are constantly looking at ways to improve Keep Your Home California. As a result, there have been several changes along the way.

All of the changes were based on data and feedback program officials have collected from applicants over the years. If certain things weren’t working, they were changed or discontinued. If other things were working, they were expanded or remained in place.

Some of the most popular and often-used programs have been expanded over time.

One of the biggest changes was to triple the amount of time homeowners can receive help from the Unemployment Mortgage Assistance Program. Now, out-of-work homeowners can receive as much as $3,000 per month for up to 18 months or $54,000. When the program launched it was capped at six months and $18,000, but program officials soon realized that wasn’t enough due to the staggering amount of Californians who were “long-term unemployed.” Like all of the program changes, the decision to expand was made to better address the challenges homeowners were facing.

The changes to the Principal Reduction Program have been even more significant. Originally Keep Your Home California required a dollar-for-dollar match from mortgage servicers as part of the Principal Reduction Program. For example, Keep Your Home California and the mortgage servicer could each offer a maximum of $50,000 under the program, providing a total of $100,000 for homeowners in principal reduction.

But few servicers enrolled in the Principal Reduction Program, meaning homeowners were unable to get the assistance. So, Keep Your Home California changed the program, and now provides the entire amount—up to $100,000. More servicers signed up for the program, which has allowed many more homeowners to be approved for principal reductions.

Within the last year, officials also announced an effort to assist homeowners with unaffordable mortgages through the Principal Reduction Program. Up until that change, the program was only available to homeowners who had negative equity. This change gave yet another boost to the amount of homeowners who could qualify. In fact, Keep Your Home California approved a record number of homeowners through the Principal Reduction Program in 2015. In 2011, the first year of the program, only 166 homeowners were approved. About 2,800 homeowners were approved in 2015, 17 times the amount of homeowners in 2011.

Another significant program change occurred when Keep Your Home California increased the $25,000 limit to $54,000 for the Mortgage Reinstatement Assistance Program, allowing homeowners to catch-up on their past-due mortgage payments. The data analysis showed that a significant number of homeowners had arrearages exceeding the previous program cap of $25,000 and many of those arrearages increased as the homeowners attempted to work on a loan modification with their servicers. In light of this information, the cap was increased. As has always been the case with this program, homeowners must be able to make their mortgage payments going forward.

In early 2015, Keep Your Home California also introduced a new program to help senior homeowners with reverse mortgages. The Reverse Mortgage Assistance Pilot Program offers as much as $25,000 to help cash-strapped seniors dealing with past-due property-related expenses, such as property taxes and/or insurance.

In addition to program changes, the team at Keep Your Home California also has made changes to increase the availability of assistance, improve customer service, and connect with more homeowners (this blog is just one effort we’ve introduced since the program started).

Keep Your Home California launched with just 10 mortgage servicers – the companies that collect the monthly payments – enrolled in the program. Today, almost 250 servicers participate in the program, from big banks such as Bank of America and Wells Fargo to pint-sized credit unions. With more servicers participating, more homeowners can be considered for assistance.

There have been other changes over time, including a new interactive website featuring a 12-question “Eligibility Calculator” homeowners can take to better understand for which programs they may qualify. The team at Keep Your Home California has been working to keep the programs relevant for the changing landscape when it comes to foreclosure prevention in the state. As the data changes, so too does Keep Your Home California.

One thing that hasn’t changed is that Keep Your Home California’s far-reaching goal and never-ending focus has always been on helping homeowners. As long as there is funding available, the program will help low to moderate income homeowners who have experienced financial hardships prevent foreclosures.

Homeowners seeking more information about Keep Your Home California or any of its five programs should call 888-954-KEEP (5337) between 7 a.m. and 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays or visit www.KeepYourHomeCalifornia.org. Representatives can answer questions and take applications in virtually any language through a translation service and there is never a fee for any Keep Your Home California services. A Spanish-language version of the website is also available at www.ConservaTuCasaCalifornia.org.

 

 

 


Keep Your Home California helps homeowners with mortgage payments

Free, state-run program has assisted more than 55,000 homeowners

When a big bank closed a local service center, Edith and dozens of other employees who owned homes were suddenly without work and wondered how to keep their homes.

Cash-strapped homeowner Carrie and her husband got behind on their mortgage payments when he lost his construction job.

Frank battled health issues and hefty medical expenses, and, to make matters worse, his longtime employer closed the plant where he worked. His one-time affordable mortgage was now an impossible-to-make payment.

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Keep Your Home California—the state’s free mortgage-assistance program — has helped all three and more than 55,000 other financially struggling low- to moderate-income homeowners during the past four years.

Recent changes to multiple Keep Your Home California programs have made it easier than ever for homeowners to qualify for assistance. The program began helping homeowners in February 2011, after the state received almost $2 billion from the U.S. Treasury’s Hardest Hit Fund. To date, more than 55,000 households have received $1.1 billion in assistance. Hundreds of millions of dollars remain available to homeowners, who are encouraged to apply as soon as possible.

“This is truly changing our life, changing our future and rescuing my family and our home,” said Carrie, who was able to catch up on her mortgage payments thanks to Keep Your Home California. “Words can’t express our gratitude for what has been done for us. We feel like this is a fresh start for us.”

Much has changed with the economy in recent years, but there are many homeowners who continue to benefit from the program. About one of every 12 mortgages in the state are with homeowners who owe more than the value of their home, and 1.2 million Californians are still without work.

“Despite a better economy and job market, there are still many homeowners who are faced with numerous challenges, from catching up on their mortgage payments to finding work,” said Tia Boatman Patterson, Executive Director of the California Housing Finance Agency (CalHFA), which oversees the state-run program. “We’re just as committed today as in the first days of the program to helping California homeowners prevent avoidable foreclosures.”

Keep Your Home California has four programs to help homeowners who are experiencing struggles with their first mortgage:

  • Principal Reduction Program: Homeowners who owe more than their home is worth and/or have an unaffordable monthly payment can receive as much as $100,000 to lower their principal balance – and reduce their monthly mortgage payments.
  • Unemployment Mortgage Assistance Program: Out-of-work homeowners eligible for jobless benefits from the state Employment Development Department can receive as much as $3,000 per month in mortgage assistance for up to 18 months, or a total of $54,000.
  • Mortgage Reinstatement Assistance Program: Homeowners who are behind two months or more on their payments could receive as much as $54,000 to help them “catch up” on their past-due mortgage payments. Homeowners must have recovered from their financial hardship and be able to make their mortgage payments going forward in order to be eligible for the program.
  • Transition Assistance Program: Homeowners who have reached an agreement with their mortgage servicer for a deed-in-lieu of foreclosure or a short sale could receive up to $5,000 in relocation assistance.

Keep Your Home California also launched the Reverse Mortgage Assistance Pilot Program, which provides low and moderate income senior homeowners assistance to avoid foreclosure. Senior homeowners who are at risk of losing their home to foreclosure due to delinquent property expenses associated with their Federal Housing Administration-insured reverse mortgages could qualify for up to $25,000. The pilot program started in February 2015.

Regardless of the program used, a vast majority of homeowners are pleased with Keep Your Home California And 93 percent of homeowners still own their homes two years after receiving assistance from the program.

“My house was underwater, I just couldn’t make it,” said Frank, who battled cancer, health care bills and a handful of mortgage servicers in an effort to refinance his mortgage “I got behind on all of my bills. I had to choose every month what bills to pay. I tried to refinance, but they weren’t willing to restructure the loan.”

Then, he qualified for assistance from the Keep Your Home California Principal Reduction Program, knocking off almost $50,000 from his outstanding balance and saving him $300 per month.

In order to qualify, homeowners must meet program eligibility requirements, including having suffered a financial hardship – such as a job loss, cut in pay, a divorce, a death in the family or extraordinary medical expenses – and meet county-by-county income requirements.

A homeowner’s mortgage servicer, the company that collects the monthly payment, must participate in the program. About 240 mortgage servicers, including Bank of America, Wells Fargo and Chase, are enrolled in Keep Your Home California.

“I was so happy, I cried,” says Edith, who was able to attend school for several months while the Unemployment Mortgage Assistance Program paid her monthly mortgage. The single mother recently completed a degree program and has found a county government position in Northern California. Keep Your Home California has “made my life easier, better.”

And there are many other homeowners who could benefit from the program.

Homeowners are encouraged to visit www.KeepYourHomeCalifornia.org for more information on the programs or call 888-954-KEEP (5337) to speak with a representative. The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Translators are available at no cost in virtually any language.


Employment Development Department, Keep Your Home California team up to connect with more than 1 million out-of-work Californians about Unemployment Mortgage Assistance Program

California’s economy continues to improve, with more than 1.53 million jobs created since the recovery started in early 2010 – and the lowest unemployment rate in more than six years.

Despite the solid job growth, many Californians are still struggling to find work. In fact, there are still 1.32 million Californians looking for work – the equivalent of everyone in San Diego.

And many of those folks are homeowners.

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So, the Employment Development Department and Keep Your Home California developed a joint effort to educate out-of-work homeowners about the free mortgage-assistance program. Keep Your Home California’s Unemployment Mortgage Assistance Program offers as much as $3,000 per month for 18 months to homeowners eligible for unemployment benefits.

EDD delivered nearly 1.5 million flyers about Keep Your Home California to jobless residents in the state in 2014. The campaign has been a big help in educating and encouraging homeowners to apply for the state-managed program.

The Unemployment Mortgage Assistance Program augments jobless benefits from the EDD. So, homeowners can collect an unemployment check and have their mortgage payments covered – up to $3,000 per month – for up to 18 months.

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The Unemployment Mortgage Assistance Program allows out-of-work homeowners to concentrate on their job search, rather than worry about their monthly mortgage payment. The program has already helped more than 34,000 homeowners across the state.

To qualify, homeowners must meet county-by-county income requirements, and their mortgage servicer must participate in Keep Your Home California. All 200-plus mortgage servicers enrolled in Keep Your Home California participate in the Unemployment Mortgage Assistance Program, including Bank of America, Wells Fargo, Chase and several other large servicers. To check the complete list of mortgage servicers enrolled in Keep Your Home California, visit: http://keepyourhomecalifornia.org/participating-servicers/.

If you would like more information or want to apply for Keep Your Home California, call 888-954-KEEP (5337) or visit www.KeepYourHomeCalifornia.org (Spanish speakers should visit http://conservatucasacalifornia.org/). The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Translators are available, so counseling sessions can be conducted in virtually any language.


Keep Your Home California establishes new program to help seniors with reverse mortgages

Hard-hit seniors behind on their reverse mortgage-related payments, including property taxes and homeowner’s insurance, could get a much-needed helping hand from Keep Your Home California.

The free mortgage-assistance program has announced a new pilot program to help low- and moderate-income senior homeowners 62 years and older who are at risk of losing their home to foreclosure after getting behind on their reverse mortgage-related payments.

The Reverse Mortgage Assistance Pilot Program, announced in mid-February, will help homeowners with Federal Housing Administration (FHA)-insured reverse mortgages to qualify for as much as $25,000 in assistance. Homeowners must have an FHA Home Equity Conversion Mortgage (HECM) in order to be eligible for the program.

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Along with the financial assistance, homeowners will receive budget counseling and may receive up to 12 months of additional assistance for future property expenses to ensure homeowners get back on their feet.

Senior homeowners must meet the program’s county-by-county income limits and have endured a financial hardship – a cut in pay, a job loss, a divorce, death in the family, or extraordinary medical bills – in order to qualify for help.

Homeowners must also live in the home with the reverse mortgage and be able to make the property expenses going forward.

Thousands of senior homeowners have used the FHA HECM product, and many have experienced a change in their financial situation beyond their control. Many of these senior homeowners with reverse mortgages are in the Central Valley, the Chico/Redding region of Northern California and the High Desert of Southern California.

Homeowners seeking assistance should contact their reverse mortgage servicer to begin the application process for the Reverse Mortgage Assistance Pilot Program. Currently, six servicers are participating in the pilot program – Champion, Financial Freedom, James B. Nutter, Reverse Mortgage Solutions (RMS), SunWest and Wells Fargo.

These six companies handle a large majority of the FHA HECM reverse mortgages in California.

Keep Your Home California has set aside $25 million for the Reverse Mortgage Assistance Pilot Program, enough funds to help about 1,400 homeowners.

If you would like more information about the program, please call Keep Your Home California at 888-954-KEEP (5337) or visit www.KeepYourHomeCalifornia.org (those more comfortable speaking Spanish should visit http://conservatucasacalifornia.org/ ). The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Translators are available, so counseling sessions can be conducted in virtually any language.

Image courtesy of Renjith Krishnan at FreeDigitalPhotos.net.


Keep Your Home California’s record-setting year is the latest evidence detailing the continued need for the free mortgage-assistance program

Facts and figures are the foundation for Keep Your Home California, from funding issued to the number of mortgage servicers participating in the program.

And the free mortgage-assistance program had another record year in 2014, with a record $340.3 million approved to help homeowners, about $33 million more than in 2013. In fact, about 38% of the dollars issued overall for the program were in 2014.

Three of the four programs had a boost in funding issued to homeowners last year, led by $160.4 million for the Unemployment Mortgage Assistance Program.

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Under the program, out-of-work homeowners eligible for jobless benefits from the state Employment Development Department can receive as much as $3,000 per month for up to 18 months. The Unemployment Mortgage Assistance Program, which issued $152 million in 2013, was recently expanded from 12 months to 18 months.

The Principal Reduction Program accounted for $136 million in funding provided to homeowners last year, a healthy gain from the $125.6 million in 2013. The program offers a maximum of $100,000 to homeowners with underwater mortgages.

Together, the Principal Reduction and Unemployment Mortgage Assistance programs combined for 87% of the funding issued by Keep Your Home California in 2014.

Both programs address big challenges still facing homeowners in the state – a difficult job market for the 1.34 million Californians looking for work, and the 1 in 10 homeowners with mortgages who owe more than the value of their home.

They also provide the most assistance available for homeowners — $100,000 with the Principal Reduction Program and $54,000 under the Unemployment Mortgage Assistance Program.

The Mortgage Reinstatement Assistance Program – the third-largest program in terms of assistance available to homeowners — experienced the greatest increase of funding provided on a percentage basis at almost 52%; from $28.3 million in 2013 to $42.9 million last year.

The Mortgage Reinstatement Assistance Program offers as much as $25,000 to help homeowners “catch-up” on their past-due mortgage payments. Of course, homeowners approved for the program must be able to make their mortgage payments going forward.

Finally, the Transition Assistance Program had a slight decline in the number of homeowners approved and funding issued last year compared to 2013. The program helped 321 homeowners with a total of $1.02 million last year, about 45 fewer homeowners than 2013. The Transition Assistance Program offers as much as $5,000 to help homeowners who have an approved deed-in-lieu of foreclosure or short sale in order to relocate to a new housing situation.

In order to qualify for any of the Keep Your Home California programs, homeowners must meet eligibility requirements, including having suffered a financial hardship – such as a job loss, cut in pay, a divorce, death or extraordinary medical benefits. It should be noted that homeowners with a loan-to-value ratio of 120% or greater could meet the qualified hardship requirement under the Principal Reduction Program.

Also, homeowners must meet county-by-county income requirements, and their mortgage servicer must participate in Keep Your Home California. Currently, more than 200 servicers are enrolled in the program, including Bank of America, Wells Fargo, Chase and several other large servicers.

Keep Your Home California added 46 mortgage servicers in 2014, a dramatic increase from the nine enrolled when the federally fund program started in February 2011. To check the complete current list of mortgage servicers enrolled in the program, visit http://keepyourhomecalifornia.org/participating-servicers/.

If you would like more information or want to apply for Keep Your Home California, call 888-954-KEEP (5337) or visit www.KeepYourHomeCalifornia.org (those more comfortable speaking Spanish should visit http://conservatucasacalifornia.org/). The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Translators are available, so counseling sessions can be conducted in virtually any language.


Keep Your Home California expands Unemployment Mortgage Assistance Program to 18 months

California’s economy continues to improve, with a declining jobless rate thanks to some fast-paced hiring in several industries, especially by high-tech firms in the Bay Area.

But for many Californians, finding a job remains a long, difficult struggle.

In an effort to help homeowners who are unemployed long-term, Keep Your Home California has expanded its Unemployment Mortgage Assistance Program from 12 months to 18 months.

Under the change, out-of work homeowners eligible for jobless benefits from the Employment Development Department can receive as much as $3,000 per month for a maximum of 18 months – or a total of $54,000. Previously, the limit was $36,000.

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The Unemployment Mortgage Assistance Program – easily the most utilized Keep Your Home California program – is designed to help financially strapped homeowners with their mortgage payments while they look for work.

Homeowners currently enrolled in the Unemployment Mortgage Assistance Program can have their eligibility extended to 18 months, while those who were previously part of the program may also be eligible for additional benefits if they still meet requirements. Homeowners are encouraged to contact Keep Your Home California for more information at 888-954-5337.

Keep Your Home California officials carefully considered the decision to expand the free mortgage-assistance program and after reviewing numerous data, there was clear evidence to prompt the move.

For example, there were 1.35 million people in the state unemployed in October, the equivalent of everyone in San Diego, according to the EDD. And more than one of every three of those unemployed people has been without work for at least 27 weeks, considered long-term unemployment.

Eight of the state’s 58 counties – and their residents – are still enduring double-digit jobless rates, including almost 24 percent in Imperial County. And 33 counties have an unemployment rate above the statewide average of 7.3 percent.

Certainly, California’s economy has made some serious gains following the Great Recession, but clearly more job-growth is necessary, especially in the hardest-hit areas of the state such as the Inland Empire and the San Joaquin Valley.

The expansion of the Unemployment Mortgage Assistance Program will help homeowners and the communities where they live.

The Unemployment Mortgage Assistance Program is one of four programs through Keep Your Home California:

  • Principal Reduction Program: Homeowners who owe more than their home is worth can cut their mortgage principal as much as $100,000 while saving hundreds of dollars every month. Homeowners approved for the program enjoyed an average savings of almost 20 percent on their monthly payments, from $1,523 to $1,229 during the third quarter.
  • Mortgage Reinstatement Assistance Program: Homeowners who are behind two months or more on their payments could receive as much as $25,000 to help them “catch up” on their past-due mortgage payments. Homeowners must have recovered from their financial hardship and be able to make their mortgage payments going forward in order to be eligible for the program.
  • Transition Assistance Program: Homeowners who have reached an agreement for a deed-in-lieu of foreclosure or short sale with their mortgage servicer could receive up to $5,000 in relocation assistance.

In order to qualify for Keep Your Home California, homeowners must meet program eligibility requirements, including having suffered a financial hardship – such as a job loss, cut in pay, a divorce, death or extraordinary medical benefits. Homeowners with a loan-to-value ratio of 120% or greater could meet the qualified hardship requirement under the Principal Reduction Program.

Also, homeowners must meet county-by-county income requirements, and their mortgage servicer must participate in Keep Your Home California. Currently, more than 200 servicers are enrolled in the program, including Bank of America, Wells Fargo, Chase and several other large servicers. To check the complete list of mortgage servicers enrolled in the program, visit http://keepyourhomecalifornia.org/participating-servicers/.

If you would like more information or want to apply for Keep Your Home California, call 888-954-KEEP (5337) or visit www.KeepYourHomeCalifornia.org (those more comfortable speaking Spanish should visit http://conservatucasacalifornia.org/). The counseling center is open 7 a.m. to 7 p.m. weekdays and 9 a.m. to 3 p.m. Saturdays. Translators are available, so counseling sessions can be conducted in virtually any language.

Image courtesy of Stuart Miles at FreeDigitalPhotos.net.