( Log Out /  Unemployment Mortgage Assistance. Available to borrowers that are currently unemployed. At the conclusion of (3) three years, the subordinate loan will be released. Loan funds will only be repaid to Eligible Entity (CalHFA MAC) in the event of a sale or a refinance that includes cash out with sufficient net equity proceeds prior to forgiveness. They dont want to work with us, We are just asking for two weeks extension.Fourthly,IN the MIDST OF ALL OF THIS, my mother had diagnosed with breast cancer so as my sister in the same year and a year later my brother in law got diagnosed with bone cance and died last October 2010. The program offers out-of-work homeowners eligible for state jobless benefits up to $54,000 in assistance to cover monthly mortgage … Contact Keep Your Home California (888-954-5337) to learn more. Federal Register. Program Goals 3. Homeowners should also contact their servicer to learn more about other foreclosure prevention options such as the Making Home Affordable Unemployment Program which can provide temporary relief from mortgage payments for up to 12 months. Thank you, Pingback: Five Important Policy Updates For California Homeowners and Tenants in 2013 Related to Foreclosures, Short Sales, and the Homeowner’s Bill of Rights | ForeclosureHelpSCC. Program Manager, Foreclosure Help. Thank you! Not just for Veterans! MRAP-Mortgage Reinstatement Assistance Program: This program can help by reinstating past due payments. But I have a question. Details on this will be covered during your initial telephone counseling session with the Keep Your Home California staff. Thank you. Maggie’s Five Rules for Working with Your Bank or Servicer, Thank you for writing. The property must be owner occupied and located in the state of California. Michelle kept in contact with the Keep Your Home California team and provided all documents needed for the eligibility review. UMA-Unemployment Mortgage Assistance Program: Is designed to assist unemployed homeowners who are receiving EDD benefits. Provides an overview of the California Employment Development Department (EDD). Unemployment Mortgage Assistance—Up to $3,000 per month for up to twelve months for unemployed homeowners who are collecting unemployment benefits from the State of California's Employment Development Department (EDD). We were able to get our mortgage loan modified over a year ago but when my job was eliminated it is looking really bleak! "Pandemic Unemployment Assistance." We already received your help. The Unemployment Mortgage Assistance Program (UMAP) is a federally funded program developed to provide temporary relief to homeowners who have experienced a loss of income due to unemployment or underemployment. Do we need to deplete our savings before we qualify for mortgage payment assistance? Thank you for writing, a few suggestions/answers to your questions: 1) Yes, you are correct, if the investor does not participate in the principal reduction program, then it won’t work for your situation. Is it true that homewoners do not have power or not qualified for the said program, if investors are not participating in principal reduction even we cannot afford and aside from the value of the property is upside down? Homeowners are encouraged to explore free HUD foreclosure prevention counseling, which could help you qualify for other programs. I am currently on unemployment, however, that may be running out and we have exhausted all of our savings to keep afloat. Michelle’s review went smoothly and she was approved for the UMA program. Thanks! Over 600 homeowners in Santa Clara County have already benefited from Keep Your Home California. Sean Coffey ( Log Out /  You may also want to read our post on renting again: Help with rental assistance after a foreclosure-What’s out there? "Temporary Halt in Residential Evictions To Prevent the Further Spread of COVID-19." WE ARE CONTROLLED, ABUSED AND PRISONED IN OUR OWN HOME! If you lose your job though no fault of your own, you might be eligible to receive mortgage payment assistance from a Hardest Hit Fund program in your state. Is there an office in OC or a web site for me to apply for KYHC? The coronavirus pandemic has caused vast economic disruptions. Low-Cost Phone Service: Reduced-cost phone service is available to eligible low-income families through the Lifeline … The Home Affordable Unemployment Program will be able to help thousands of homeowners across the country with making their monthly mortgage payments. She applied for Keep Your Home California in February and was approved a month later for the Unemployment Mortgage Assistance Program. There are a number of agencies in Southern California: http://keepyourhomecalifornia.org/counseling.htm#Southern We do not charge a fee for our services. The link for HUD approved agencies in California is here: http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=CA, 5) In our experience, it’s really important for the homeowner to stay “in the driver’s seat” when working with the bank and to stay in constant contact with them. If you have any questions, please feel free to contact us on our hotline: (408)-293-6000, or visit our website: www.foreclosurehelpscc.org. Are you here in San Jose? You must also be eligible for unemployment benefits, owe less than $729,750 toward your mortgage, and live in your home. Just reaching and searching for help, One of California struggling HOMEOWNERS! Accessed Nov. 30, 2020. Structure of Assistance: CalHFA MAC will structure the assistance as a non-recourse, non-interest bearing subordinate loan in favor of the Eligible Entity (CalHFA MAC) secured by a junior lien recorded against the property in the amount of the total reduced PITI and any escrowed homeowner’s association dues or assessments, and equal to the total amount of HHF unemployment assistance. Change ), You are commenting using your Facebook account. http://www.scchousingsearch.org. The Nevada Hardest Hit Fund® has currently reached capacity. Second mortgages or home equity lines of credit are not eligible for Keep Your Home California programs. Structure of Assistance: CalHFA MAC will structure the assistance as a non-recourse, non-interest bearing subordinate loan in favor of the Eligible Entity (CalHFA MAC) secured by a junior lien recorded against the property in the amount of the total reduced PITI and any escrowed homeowner’s association dues or assessments, and equal to the total amount of HHF unemployment assistance. This is from the Keep Your Home CA website: http://keepyourhomecalifornia.org/faqs.htm#Q1098-1, Pingback: Helpful Resources if You’re Facing Foreclosure By Foreclosure Help SCC | ForeclosureHelpSCC, Hi, I live in Orange County and I have been out of work for almost 1 year. Each lender/servicer can participate in as little as one or in all four of the Keep Your Home California programs. 2) If you have complaints about Bank of America, you may want to look into: The California Monitor for the National Attorney General Settlement: http://californiamonitor.org/, 3) The Consumer Financial Protection Bureau recently announced new rules to improve mortgage loan servicing, you can read about them here: http://www.consumerfinance.gov/blog/new-rules-fewer-runarounds-for-mortgage-borrowers/, 4) If you haven't already, you may want to reach out to a HUD-approved housing counseling agency near the Riverside area to see if they can assist. A few options to get you started (depending on the specifics of your situation): If you are a homeowner who already has an active application in progress, and have questions, please call (888) 320-6526 between 10 AM and 2 PM Monday through Friday, except holidays, and leave a message with your name, phone number, and homeowner ID. (KYHC) Are you unsure how the program works to help struggling homeowners avoid preventable foreclosures? Mortgage Assistance Program. Do you have any programs for home owners who have already lost there homes and now need assistance for rent? UMA 07/12/2017, at which time any recovered funds will be returned to Treasury. For instance, the Keep Your Home California Unemployment Mortgage Assistance program provides monthly cash benefits to eligible unemployed homeowners for up to nine months. Change ), You are commenting using your Twitter account. 8. Is my bank or servicer participating in Keep Your Home California? I met with her the following day to go over the Unemployment Mortgage Assistance (UMA) program. Unemployment Assistance The California Employment Development Department ... Get Financial Help - Details on how to apply for mortgage assistance relief. Find financial help if you are affected by coronavirus / COVID-19 in California. Mortgage Rates by State. Pingback: NEW WEBSITE OFFERS 12 QUESTIONS THAT HELP HOMEOWNERS TO DETERMINE IF THEY MIGHT QUALIFY FOR AS MUCH AS $100,000 IN MORTGAGE ASSISTANCE | ForeclosureHelpSCC, Pingback: Check the Facts, Figures and How Keep Your Home California is Helping Homeowners | ForeclosureHelpSCC, Pingback: HOMEOWNERS SHARE THEIR MORTGAGE SITUATIONS AND HOW KEEP YOUR HOME CALIFORNIA HELPED | ForeclosureHelpSCC, Pingback: HAMP Program Is Extended Until 2015: What does this mean for homeowners in San Jose and Sunnyvale California? Here are some quick facts about the Keep Your Home California program: Your lender/servicer must participate in the program in order to qualify for the Keep Your Home California funds. PRP-Principal Reduction Program: Homeowners who owe more than their property is worth, may be eligible for a principle reduction. If it is determined that a homeowner’s unemployment benefits were terminated because they became fully re-employed at any time during the eighteen (18) month Unemployment Mortgage Assistance benefit period, and the homeowner failed to notify Keep Your Home California as required, Unemployment Mortgage Assistance benefit payments will be terminated immediately. Through the Unemployment Mortgage Assistance Program, the California Housing Finance Agency will provide temporary cash grants and other forms of financial assistance in the form of a mortgage … Unemployment insurance, paid family leave, disability insurance, statewide moratorium on evictions, mortgage relief, and forbearance. *Up to $3,000 a month available per eligible household! Benefits of up to $3,000 per month are available to individuals who are receiving unemployment benefits from the state of California. We appreciate your patience and will strive to return your call as soon as possible. Through a program by the Oregon Homeownership Stabilizaton Initiative, Oregon Homeowners who are receiving unemployment benefits might be eligible to have temporary assistance to pay your mortgage. How and when is the difference of the mortgage payment repaid? A homeowner WILL NOT qualify for Keep Your Home California Unemployment Assistance program unless they are receiving or are approved for unemployment benefits.” More here: https://foreclosurehelpscc.wordpress.com/2012/12/21/helpful-resources-if-youre-facing-foreclosure-by-foreclosure-help-scc/ Up to $3,000 in monthly assistance for homeowners that are currently receiving or are approved to receive unemployment pay from California’s Employment Development Department (EDD). By Aurora Olivares, Housing Counselor at Project Sentinel, one of the members of ForeclosureHelpSCC. Rent Assistance and Emergency Program for Vista Residents (Conserva Tu Casa) The Unemployment Mortgage Assistance Program gives you breathing room by paying your mortgage for up to 9 months if you are receiving unemployment. The Unemployment Mortgage Assistance Program (“UMA”) is one of CalHFA MAC’s federally-funded programs developed to provide temporary financial assistance to eligible California homeowners who wish to remain in their homes, but have suffered a loss of income due to unemployment Michelle was approved to have KYHC make her payments for up to up to 9 months while she looked to secure new employment and had KYHC administer her first mortgage installment before her payment was due, helping her preserve her credit. We don’t know how to say our thanks for that. From This time, we cannot tolerate it anymore, therefore we are searching and looking for HELP WITH SOLUTIONS! The Mortgage Reinstatement Assistance Program (MRAP) is designed to assist homeowners who have fallen behind on their mortgage payments. I’m pasting in information from two postings from our HUD-approved counselors from earlier this year: Using government grants, abatements and counseling, it should stop or delay many foreclosure filings across the country by providing unemployed individuals with much needed time to search for new work. Jim E. Hello, At this time we have suspended accepting new applications. The Unemployment Mortgage Assistance Program (UMAP) is a federally funded program developed to provide temporary relief to homeowners who have experienced a loss of income due to unemployment or underemployment. http://www.housingtrustscc.org/programs/homelessness_prevention.php Michelle met all the requirements in order to apply for the Unemployment Mortgage Assistance program and her application was submitted the same day. Unemployment Mortgage Assistance Program Provides temporary assistance to | ForeclosureHelpSCC. Good morning Laurie, Change ), You are commenting using your Google account. If so, please contact our hotline at 408-293-7400. Some of these may include transition to other foreclosure alternatives, such as deed-in-lieu of foreclosure or short sale. This is from the UMA program description on the Keep Your Home California website. You can also email us at help@foreclosurehelpscc.org or visit our website: www.foreclosurehelpscc.org. The program helps homeowners who have … Our phone number is 408-293-6000. | ForeclosureHelpSCC. Loan Principal Reduction Program Hello Haileen, The Unemployment Mortgage Assistance Program (UMA) will use federal funds to give mortgage-payment assistance to unemployed homeowners in California. Hi, TAP-Transitional Assistance Program: Provides a payment of up to $5,000 to help homeowners, who cannot retain their home transition into new housing. Millions of people are filing for unemployment, trying to pay rent and deferring … If you are an Oregon homeowner who is unemployed, the Mortgage Payment Assistance Unemployment Program (MPAU) can help!. The Keep Your Home California program applies to primary mortgages in first position only. Help with rental assistance after a foreclosure-What’s out there? As you’re probably aware, time is of the essence in applying because you HAVE to be approved for or already receiving unemployment benefits for the Unemployment Program: “With recent estimates that 400,000 Californians could lose their unemployment benefits unless Congress extends them, it is particularly important for homeowners who are unemployed to get their applications in NOW while they are still receiving unemployment. EDD is one of the largest state departments with employees at hundreds of service locations throughout the state. Thank you for writing and good luck! We are returning calls in the order they were received. Pandemic Unemployment Assistance (PUA) Access the special pandemic unemployment insurance program for freelancers, independent contractors, part-time employees, and people who are self-employed. I would contact Keep Your Home California directly to ask them: 888-954-KEEP(5337). The homeowner(s) cannot be in bankruptcy while applying for Keep Your Home California Program. The Nevada Affordable Housing Assistance Corporation is a non-profit organization administering the U.S. Treasury sponsored Nevada Hardest Hit Fund ® Receiving unemployment benefits and In need of mortgage assistance? Thank you for writing. This program is for homeowners who have lost their job through no fault of their own, specifically due to the coronavirus COVID-19 outbreak, and are receiving Nevada State Unemployment Insurance Benefits (UIB). Mortgage Payment Relief During COVID-19 Crisis; Trouble Paying Your Rent. The loan balance on the first mortgage is below $729,750. Second, BOA made at least 4 mistakes in our property/files and the latest one is, they approved us on October 19 2012 and last November 2012 is our first PAYMENT under trial payment period, however within 24 hours period we received two principal balances that leads two different mortgages amount, which the second one is unaffordable for us to pay and forced us to pay it.BOA do not admit the mistake and does not want to take responsibility to correct it either, their comment is, ‘WE ARE HUMAN, WE MAKE MISTAKES AND nothinng GOING TO CHANGE.” Third, my husband is a truck driver and on the second month of our trial period which December 2012, my husband truck went under repair due to gas leak and had to come back to terminal for repair after driving a day or two, so our pay check got affected since he gets paid by mileage and we informed the bank of our situation and they response is negative. ( Log Out /  Employment Development Department, State of California. My bank which is BOA states that our investor do not participate in PRINCIPAL REDUCTION Therefore, they still wants us to pay almost 400,000 principal balance. In addition, the funding for California would pay for an increase in unemployment benefits, up to $600 weekly on top of what California provides recipients, from $40 to $450 a week. Thank you, It was so helpful for us to keep our home. Homeowners often have to be the “connector” between departments at the bank (who may not be speaking with each other). California Hardest Hit Fund Unemployment Mortgage Assistance Program This part of the program will help people who have lost their job or who have had a substantial reduction in household income. Please note: All content included in the ForeclosureHelpSCC blog is provided for information only and should NOT be considered legal or tax advice. Should I report that fund I received from KYHC as income when Tax return? For more than 70 years, we have connected millions of job seekers and employers in an effort to build the economy of the Golden State. Unemployment Mortgage Assistance Program, Part of Keep Your Home California: How Does It Work? The additional federal benefit of $600 per week lasts lasts four months, from March 29 through July 25. There are also state-wide agencies: http://keepyourhomecalifornia.org/counseling.htm#Entire Are you located in San Jose, CA? Thank you for writing- If you want to give us a call, we can direct you to some local resources. I have a question. The assistance comes as more than 1 million Californians have applied for unemployment benefits this month due to layoffs or reduced hours amid the pandemic, Newsom said. UNEMPLOYMENT MORTGAGE ASSISTANCE PROGRAM Summary Guidelines 1. At the end of the forbearance, you may be evaluated for a mortgage … This will undoubtedly be a popular topic among Californians in 2011, so we have put together a fact sheet with the pertinent details. ( Log Out /  If you’ve helped a homeowner with KYH funds 9 months ago, can he receive forgiveness of the KYH loan since he is insolvent and needs to sale the property? Thus, we have to pay previous value of our property. Our stress is so high for the past 3 years and we still hanging on because this is OUR RETIREMENT HOME! To find out more about these four programs, or to set up an appointment with a housing counselor who can discuss these programs with you, contact ForeclosureHelpSCC by calling us at (408) 293-6000. http://keepyourhomecalifornia.org/faqs.htm#Q1098-1, Helpful Resources if You’re Facing Foreclosure By Foreclosure Help SCC | ForeclosureHelpSCC, http://keepyourhomecalifornia.org/counseling.htm#Southern, http://keepyourhomecalifornia.org/counseling.htm#Entire, https://foreclosurehelpscc.wordpress.com/2012/12/21/helpful-resources-if-youre-facing-foreclosure-by-foreclosure-help-scc/, Five Important Policy Updates For California Homeowners and Tenants in 2013 Related to Foreclosures, Short Sales, and the Homeowner’s Bill of Rights | ForeclosureHelpSCC, http://www.consumerfinance.gov/blog/new-rules-fewer-runarounds-for-mortgage-borrowers/, http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate=CA, Maggie’s Five Rules for Working with Your Bank or Servicer, http://keepyourhomecalifornia.org/programs/uma.pdf, NEW WEBSITE OFFERS 12 QUESTIONS THAT HELP HOMEOWNERS TO DETERMINE IF THEY MIGHT QUALIFY FOR AS MUCH AS $100,000 IN MORTGAGE ASSISTANCE | ForeclosureHelpSCC, Check the Facts, Figures and How Keep Your Home California is Helping Homeowners | ForeclosureHelpSCC, HOMEOWNERS SHARE THEIR MORTGAGE SITUATIONS AND HOW KEEP YOUR HOME CALIFORNIA HELPED | ForeclosureHelpSCC, HAMP Program Is Extended Until 2015: What does this mean for homeowners in San Jose and Sunnyvale California? To get help postponing your mortgage payments or restructuring your loan, ... Unemployment assistance from state governments. Background. I recently was contacted by a woman who was laid off two months ago. Does Keep Your Home California still pay mortgage even when unemployment runs out? She received a flyer from her local EDD office about the Keep Your Home California program. ENOUGH IS ENOUGH BOA! Will you be the next success story? Hello Raul, more Unemployment Mortgage Assistance (UMA) program, Servicers Participating in Your Home California, http://www.housingtrustscc.org/programs/homelessness_prevention.php. Unemployment Mortgage Assistance (UMA) is monthly mortgage assistance for unemployed homeowners collecting unemployment benefits (EDD) from the State of California. Target Population/ Areas The Unemployment Mortgage Assistance Program (“UMA”) is one of CalHFA MAC’s federally-funded programs developed to provide temporary financial assistance to eligible California homeowners You can read the full description here: http://keepyourhomecalifornia.org/programs/uma.pdf The program helps homeowners who have lost their job through no fault of their own, specifically due to the coronavirus COVID-19 outbreak, and are receiving Nevada State Unemployment Insurance Benefits (UIB). California, unlike 35 other states, did not accept federal aid that would have helped the state update technology to cross-examine unemployment claims with prison populations. Recovered funds will be recycled in order to provide additional program assistance until December 31, Unemployment Mortgage Assistance Program. This program helps qualifying unemployed homeowners keep their homes. Call us at (888) 320-6526. Unemployment Mortgage Assistance. Program Overview 2. Michelle had used up her savings and was concerned about her ability to pay her mortgage while unemployed. Fill in your details below or click an icon to log in: You are commenting using your WordPress.com account. http://www.hifinfo.org/need-help/ For more information about the Treasury’s role in supporting Nevada and other states through the Hardest Hit Fund, please visit the Treasury’s website here. California; ... which means that people who can’t save up a substantial amount of cash won’t be able to get a mortgage. Thank you Daniel, we’re glad to hear that! And my husband and I had to helped each one of them.Lastly, our deliquents is so HIGH beacause of the 4 mistakes they had created since 2009 until now, They want us to pay for it with our mortgage. Pandemic Unemployment Assistance (PUA) offers the following relief: Adds $600 per week to the Unemployment Insurance benefit, which in California is a maximum of $450 per week. The direct number for Keep Your Home California is: 888-954-KEEP(5337) A few homeowners I’ve worked with here in the Bay Area are good examples of how Keep Your Home California works. Change ). Have you heard of the Keep Your Home California program? Check this list: Servicers Participating in Your Home California. If you qualify, your mortgage payments may be reduced to 31% of your income or fully suspended. As part of the federal CARES Act, the new Pandemic Unemployment Assistance (PUA) program helps unemployed Californians who are usually not eligible for regular state unemployment benefits and are unemployed or partially unemployed for reasons directly related to the COVID-19 pandemic, including business owners, the self-employed and those with limited recent work history. Mortgage Reinstatement Assistance. 2-1-1 Call Center:Call to find local assistance with training, employment, food pantries, affordable housing, and support groups. Directory of Homeless Shelters: Find a listing of homeless shelters throughout the United States from the National Coalition for the Homeless. I’m currently on unemployment, home loan is current. Accessed Nov. 30, 2020. Unemployment Mortgage Assistance Summary Guidelines 1 UMA 06/2014 1. The UMA program description on the Keep Your Home California program: Reduced-cost Phone service is available to individuals are... Twitter account available to individuals who are receiving EDD benefits when my job was eliminated it is looking really!... Hear that, ABUSED and PRISONED in our OWN Home departments with employees at hundreds of service locations throughout state... Up her savings and was concerned about her ability to pay previous value our. Savings before we qualify for other programs our Home stress is unemployment mortgage assistance california high for the Homeless Log. A web site for me to apply for mortgage Payment Assistance unemployment program ( )! 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