Man's horror after returning home to find a NAKED homeless woman Jennifer Burgess using his shower

A man who retued home to find a naked woman greeting him at his front door says she was homeless and caught in the act of using his shower.

Randy Kizer said he was walking up to his front steps in Sacramento, Califoia on Tuesday when 24-year-old Jennifer Burgess exited his front door, hair wet and wearing his son's army green bathrobe.

'She answers my front door and she goes, "I can explain,' Mr Kizer told Fox40.

Mr Kizer said he didn't dare follow the woman inside his home when she asked to go change - which he said he eagerly hoped she would do - instead fearing there could be more intruders inside.

'I go, "Are you homeless?" and she goes, "Yeah,"' Mr Kizer mimicked the young woman with a hesitant voice.

Later showing a CBS news reporter around the bathroom she used, including the camouflage-coloured bath robe and a bar of soap, he said: 'It was like I was intruding into her home, not the other way around.'

After allowing the woman to retu from dressing, Mr Kizer said he noticed she had pockets that appeared quite swollen on her.

With police at the scene cuffing Burgees, they discovered she had planned to walk away with a bit more than some wet hair.

Shower invasion: Homeowner Randy Kizer shows off the orange towel his intruder allegedly used to dry herself off with before slipping into her son's bathrobe

Coverup: The bathrobe of Mr Kizer's son is seen hanging after it was allegedly wo around the house by Burgess

In addition to taking every spare key in his house, including his car and house keys, she had also emptied his children's piggy banks he said.

'The kids’ allowance money and stuff had all been taken,' he told CBS Sacramento. 'My daughter was real upset that her (money) for church had all been taken.'

Adding to his discomfort, he believes the woman had been there possibly a few times before, despite her denial. He uses his dogs' calm demeanour around her as an example.

Items to go: In addition to using his shower, Mr Kizer says $46 was rounded up from around his house and stuffed into her pockets including spare house and car keys

No stranger: Because both of his dogs, pictured, also appeared surprisingly calm around Burgess, the homeowner feared she had been there more than once before

'One of the dogs was lying on the floor here and this is the dog that jumps on everyone,' he told Fox40.

'It's very creepy. We had just bought video security, not installed yet. It is now,' he said.

Burgess was arrested and booked in the Sacramento County Jail for burglary according to Sgt Jason Ramos.

Her bail has been set at $50,000.