Keep Your Home California

Federal Unemployment Mortgage Assistance

The Unemployment Mortgage Assistance Program provides mortgage payment assistance to eligible homeowners who have experienced an involuntary job loss and are receiving California EDD unemployment benefits.

Benefit assistance through UMA can be up to $3,000 per month and can last up to eighteen (18) months.

The maximum assistance per household is $54,000.

*If you previously received Unemployment Mortgage Assistance benefits and are currently unemployed..

Mortgage Reinstatement Assistance

The Mortgage Reinstatement Assistance Program provides assistance to eligible homeowners who, because of a financial hardship, have become late on their mortgage payments and need financial assistance to reinstate their past due first mortgage loan. 

Benefit assistance through is government assistance can be a one-time payment of up to $54,000 to cover principal, interest, taxes and insurance as well as any homeowner's association dues.

This info is from their page directly.

Programs

Keep Your Home California is a free service for homeowners who have suffered a financial hardship, to help them stay in their homes, maintain an affordable mortgage payment and avoid foreclosure.

The following are brief summaries of the programs offered under Keep Your Home California. See a list of participating servicers and which programs they are currently offering.

Unemployment Mortgage Assistance

For eligible unemployed homeowners.Mortgage assistance of up to $3,000 per month for unemployed homeowners who are collecting or approved to receive unemployment benefits from the State of California’s Employment Development Department (EDD).
Click to learn more.

Mortgage Reinstatement Assistance Program

For eligible homeowners who have fallen behind on their mortgage payments.
Funding of up to $54,000 to help qualified homeowners catch up on their mortgage payments.
Click to learn more.

Principal Reduction Program

For eligible homeowners who have suffered a financial hardship and owe more than their home is worth and/or have an unaffordable payment.
Financial assistance to help pay down the principal balance of a mortgage loan and allow for a more affordable monthly payment.
Click to learn more.

Transition Assistance Program

For eligible homeowners who are undergoing a short sale or deed-in-lieu of foreclosure program.Financial help to make a smooth transition into stable and affordable housing.
Click to learn more.

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Reverse Mortgage Assistance Pilot Program

For eligible senior homeowners who have fallen behind on property expenses associated with their reverse mortgage loan.Funding of up to $25,000 to help qualified senior homeowners reinstate past due property expenses (ie. property taxes; homeowner’s insurance; homeowner’s association dues or assessments) and provide an advance of their approved property expenses for up to an additional twelve (12) months.

Click to learn more.