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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. 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. This time, we cannot tolerate it anymore, therefore we are searching and looking for HELP WITH SOLUTIONS! At this time we have suspended accepting new applications. Low-Cost Phone Service: Reduced-cost phone service is available to eligible low-income families through the Lifeline … Thank you! We are returning calls in the order they were received. 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. You can read the full description here: http://keepyourhomecalifornia.org/programs/uma.pdf Thank you. By Aurora Olivares, Housing Counselor at Project Sentinel, one of the members of ForeclosureHelpSCC. There are a number of agencies in Southern California: http://keepyourhomecalifornia.org/counseling.htm#Southern Michelle had used up her savings and was concerned about her ability to pay her mortgage while unemployed. 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. Second mortgages or home equity lines of credit are not eligible for Keep Your Home California programs. A few homeowners I’ve worked with here in the Bay Area are good examples of how Keep Your Home California works. Does Keep Your Home California still pay mortgage even when unemployment runs out? 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). 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. | ForeclosureHelpSCC. Hi, The Mortgage Reinstatement Assistance Program (MRAP) is designed to assist homeowners who have fallen behind on their mortgage payments. Provides an overview of the California Employment Development Department (EDD). Change ), You are commenting using your Twitter account. Thank you, Over 600 homeowners in Santa Clara County have already benefited from Keep Your Home California. 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. Thanks! Mortgage Payment Relief During COVID-19 Crisis; Trouble Paying Your Rent. You can also email us at help@foreclosurehelpscc.org or visit our website: www.foreclosurehelpscc.org. She applied for Keep Your Home California in February and was approved a month later for the Unemployment Mortgage Assistance Program. Homeowners are encouraged to explore free HUD foreclosure prevention counseling, which could help you qualify for other programs. Thank you Daniel, we’re glad to hear that! Unemployment Mortgage Assistance. *Up to $3,000 a month available per eligible household! Is my bank or servicer participating in Keep Your Home California? We do not charge a fee for our services. 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. A few options to get you started (depending on the specifics of your situation): Federal Register. (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 additional federal benefit of $600 per week lasts lasts four months, from March 29 through July 25. Maggie’s Five Rules for Working with Your Bank or Servicer, Thank you for writing. She received a flyer from her local EDD office about the Keep Your Home California program. Change ). 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. To get help postponing your mortgage payments or restructuring your loan, ... Unemployment assistance from state governments. The Unemployment Mortgage Assistance Program (UMA) will use federal funds to give mortgage-payment assistance to unemployed homeowners in California. Just reaching and searching for help, One of California struggling HOMEOWNERS! This program helps qualifying unemployed homeowners keep their homes. Mortgage Assistance Program. Do we need to deplete our savings before we qualify for mortgage payment assistance? I’m pasting in information from two postings from our HUD-approved counselors from earlier this year: Unemployment insurance, paid family leave, disability insurance, statewide moratorium on evictions, mortgage relief, and forbearance. Change ), You are commenting using your Google account. The property must be owner occupied and located in the state of California. 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. (KYHC) Are you unsure how the program works to help struggling homeowners avoid preventable foreclosures? Unemployment Mortgage Assistance Program Provides temporary assistance to Is there an office in OC or a web site for me to apply for KYHC? 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). The Home Affordable Unemployment Program will be able to help thousands of homeowners across the country with making their monthly mortgage payments. UMA 07/12/2017, at which time any recovered funds will be returned to Treasury. We appreciate your patience and will strive to return your call as soon as possible. You must also be eligible for unemployment benefits, owe less than $729,750 toward your mortgage, and live in your home. 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. ( Log Out /  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). 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. Good morning Laurie, 2-1-1 Call Center:Call to find local assistance with training, employment, food pantries, affordable housing, and support groups. We already received your help. At the end of the forbearance, you may be evaluated for a mortgage … How and when is the difference of the mortgage payment repaid? Unemployment Mortgage Assistance (UMA) program, Servicers Participating in Your Home California, http://www.housingtrustscc.org/programs/homelessness_prevention.php. 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