California’s Mortgage Relief Program has provided critical financial assistance worth millions to thousands of homeowners in California who are facing financial hardship. This government program is completely free and available to assist. There are no fees to repay.

California Mortgage Relief Program may be able to help homeowners who have had difficulty paying their mortgage payments, missing property taxes, loan deferrals or partial claim second mortgages.

Who is Eligible For The California Mortgage Relief Program?

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.

Applicants who do not meet eligibility criteria should contact a HUD-certified housing counselor to explore other options that may be available. Click here to find a HUD-certified housing counselor near you.

Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.

NEW: The California Mortgage Relief Program has expanded to provide assistance with COVID-related loan deferrals or partial claim second mortgages.

Available Program Funding

Up to $80,000 for past-due mortgage payments

Up to $20,000 for delinquent property taxes

Up to $80,000 to reduce or eliminate a COVID-related partial claim second mortgage or loan deferral

Up to $80,000 to help with late taxes and homeowners insurance for reverse mortgages

Relief Program Eligibility

Requirements	Mortgage Relief	Property tax	Reverse Mortgage	Partial Claim/Loan Deferral
The Basics	MR	PT	RM	PC/LD
Multiple funding awards/applications for qualified applicants, up to $80,000 in maximum assistance.	X	X	X	X
Must have faced a pandemic-related financial hardship after January 21, 2020 *The attestation must describe the nature of the financial hardship	X	X	X	X
For mortgage relief, homeowner’s mortgage/loan servicer must be participating in the California Mortgage Relief Program. A list of participating mortgage servicers can be found here.	X		X	X
Reduce or eliminate COVID-related partial claim second mortgages and loan deferrals (received during or after Jan. 2020).		X		X
Financial	MR	PT	RM	PC/LD
Combined household income for residents 18 and over must be at or below 150% AMI (by county) Click here to check your AMI.	X	X	X	X
Homeowners cannot have cash or assets on hand (excluding savings in a retirement account) that is equal to or greater than the relief funds needed+ $20,000	X	X	X	X
The unpaid principal balance of the homeowner’s primary mortgage loan, at the time of origination, cannot be greater than the “conforming loan limit” (as determined under the provisions of the Housing and Economic Recovery Act of 2008) in effect at time of origination.	X		X	X
Property	MR	PT	RM	PC/LD
Homeowner must currently own and occupy the property in California as their primary residence.	X	X	X	X
Property may include up to 4 units on site (House, condo, permanently affixed manufactured home, ADU, duplex, four-plex).	X	X	X	X
Delinquency	MR	PT	RM	PC/LD
Must have missed at least 2 payment by March 1, 2023, and are currently behind.	X
Must have missed at least 1 payment by March 1, 2023.		X

Required Documents

Depending on their unique circumstances, some applicants will have to provide different kinds of information. A sample list of documents to gather before completing the application includes:

-Mortgage Statement

-Bank Statement

-Utility Bill

-Income documentation (i.e. pay stubs, tax returns, or unemployment document)

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