by kmh_admin | Mar 5, 2026 | Homeowners
If you’re behind on mortgage payments or facing foreclosure, you may hear an investor mention “subject-to existing financing” (also called subject-to, sub-to, sub-2, or T-O). It can sound like a quick solution, but it’s important to understand how it works and what...
by kmh_admin | Jan 16, 2026 | Homeowners
Foreclosure can feel isolating, but you’re not alone. KeepMyHouse.org brings clarity, support, and solutions to help California homeowners protect what matters most—their home. 1. Our Mission KeepMyHouse.org was founded to help Californians understand foreclosure—not...
by kmh_admin | Jan 15, 2026 | Homeowners
Many California homeowners don’t realize they may still have equity left after foreclosure. Here’s how to recover surplus funds before scammers try to take them. 1. What Are Surplus Funds? When a foreclosed property sells at auction for more than the total debt owed,...
by kmh_admin | Jan 14, 2026 | Homeowners
Foreclosure can feel like the end—but it’s really a reset. With discipline and planning, you can rebuild your credit, restore financial stability, and own a home again. 1. How Foreclosure Affects Your Credit A foreclosure typically lowers your credit score by 150–250...
by kmh_admin | Jan 13, 2026 | Homeowners
A short sale lets you sell your home for less than you owe—with your lender’s approval—to avoid foreclosure. Here’s how the process works in California and what to expect. 1. What Is a Short Sale? A short sale happens when your lender agrees to let you sell your home...