Homeowners | KeepMyHouse

What Happens If a Co-Borrower or Spouse Isn’t on the Loan?

by kmh_admin | Dec 30, 2025 | Homeowners

If your name isn’t on the mortgage but you live in or own the home, you still have rights. Here’s how California law separates property ownership from loan responsibility—and what it means during foreclosure. 1. Title vs. Mortgage: The Key Distinction Owning a home...

How COVID-Era Protections Still Affect California Homeowners

by kmh_admin | Dec 29, 2025 | Homeowners

Federal and state relief programs changed how lenders handle hardship, foreclosure, and forbearance. Here’s how those protections continue to benefit California homeowners in 2025—and what’s next. 1. A Look Back: What COVID Protections Did When the COVID-19 pandemic...

When the Bank Sells Your Loan: What It Means for You

by kmh_admin | Dec 28, 2025 | Homeowners

If your loan has been sold or “transferred,” don’t panic. California and federal laws protect your rights—and your mortgage terms—no matter who owns the loan. 1. Why Banks Sell Loans Banks and mortgage companies often sell loans to free up cash or reduce risk. This is...

How to Claim Surplus Funds After Foreclosure

by kmh_admin | Dec 27, 2025 | Homeowners

A foreclosure doesn’t always mean total loss. When your property sells for more than your mortgage balance, California law lets you claim the surplus. Here’s how to do it before it’s too late. 1. What Are Surplus Funds? After a foreclosure sale, the proceeds first go...

Understanding the Difference Between Judicial and Nonjudicial Foreclosure

by kmh_admin | Dec 26, 2025 | Homeowners

Not all foreclosures follow the same path. In California, most are nonjudicial—but knowing the difference between judicial and nonjudicial foreclosure helps you protect your home and make informed decisions. 1. Two Paths to Foreclosure California recognizes two main...

Mortgage Relief Scams: How to Spot and Report Them

by kmh_admin | Dec 25, 2025 | Homeowners

From fake foreclosure consultants to upfront-fee modification scams, mortgage relief fraud preys on homeowners in crisis. Here’s how to identify, avoid, and report it before it’s too late. 1. How Mortgage Relief Scams Work Scammers target distressed homeowners by...