Title Companies

How to Request a Payoff, Subordination Agreement or Short Sale Demand from Keep Your Home California

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Resubordinate for HARP 2.0:

• Please be advised that Keep Your Home California will subordinate our lien to ensure eligible homeowners are able to refinance their property with a Making Home Affordable Refinance Program (HARP 2.0) loan.
• Keep Your Home California will not subordinate our lien if the refinance transaction includes any cash out to the homeowner.

All requests for a Keep Your Home California lien payoff, subordination agreement or short sale demand must include the following information:

• Homeowner name(s), as provided on the Deed of Trust
• Property address, as provided on the Deed of Trust
• Homeowner identification number, as provided on the Deed of Trust
• Title company name, address, and title agent contact information

Payoff Request must include the following documents:

• Signed 3rd party authorization from title/escrow company,
• Escrow Agent ID #,
• Request for payoff from title or escrow company,
• Preliminary report

Short Sale Payoff Request must include the following documents:

• Signed 3rd party authorization from title/escrow company,
• Escrow Agent ID #,
• Request for short sale payoff from title or escrow company,
• Estimated HUD-1,
• Preliminary report,
• Copy of servicer-approved short sale

Subordination Request must include the following documents:

• Signed 3rd party authorization from title/escrow company,
• Escrow Agent ID #,
• Request for subordination from title or escrow company,
• Estimated HUD-1,
• Preliminary Report,
• Completed subordination agreement – to be returned to KYHC after recording,
• Copy of the new Note and Deed of Trust
  
  * For expedited handling, please include an express mail return envelope with your subordination request.

To obtain a payoff, subordination or short sale demand, please email your request to: Payoffs@kyhca.org. Please include the following statement in the subject line of your email: Keep Your Home California – Attention: Payoff Department.

You may also fax a request to (951) 300-5992. Please include a cover sheet with the following statement in the subject line: Keep Your Home California – Attention: Payoff Department.

Turn Around Time:

All requests for a Keep Your Home California payoff, subordination agreement or short sale demand will be provided within 10 to 14 days from the date of completed request. Keep Your Home California lien payoff and short sale demand statements will include the total amount due, good through date, and banking instructions for where to send the payoff funds. If you have questions and need to speak with a KYHC representative, please call (888) 954-5338 during our normal hours, Monday through Friday from 8 a.m. to 5 p.m.