Helps California homeowners who have fallen behind on their mortgage payments. Help is open to all eligible Californians who are currently experiencing pandemic-related hardships and have fallen behind on their housing payments. Program is free and funds do not need to be repaid. Homeowners must meet income requirements to be eligible for financial assistance.
Visit the CA Mortgage Relief webpage to use 'Income Requirements' calculator to see if you are eligible. If household income is at or below the amount listed, you may be eligible for assistance. The California Mortgage Relief Program is part of the state's Housing is Key initiative.
If you need assistance with your application or have questions about your eligibility, please contact your mortgage servicer or a HUD-certified housing counselor at 1-800-569-4287
Note: Homeowner must be at least two payments past due by February 1, 2024
Eligibility: - Household income of all household members over the age of 18 is at or below 100% of the Area Median Income. AMI Calculator
- Homeowner must be at least two payments past due by February 1, 2024
- Homeowner must currently own and occupy the property in California as their primary residence.
- Homeowner may only own and occupy one property.
- Homeowner must attest that they experienced a Qualified Financial Hardship after January 21, 2020. The attestation must describe the nature of the financial hardship.
- The original, 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. To find data on conforming loan limits, visit website.
- 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. (For example, homeowners needing $30,000 to get caught up on their mortgage will be ineligible if they have $50,000 or more in assets).
Requirements: Mortgage Statements, Bank Statements, Utility Bill, Income documentation (i.e. paystubs, tax returns, or unemployment document) Depending on their unique circumstances, some applicants will have to provide different kinds of information as well.
Proof of loss of income due to COVID-19, which may include the following items.
-A letter of termination from your job
-Most recent pay stub with employer's information
-Evidence that you have applied for unemployment benefits
-Evidence that your unemployment benefits have expired, including unemployment benefits provided through the CARES Act
-For those self-employed: tax records, income statements, or other evidence showing loss of income
-Other items will be considered
AND one item from each of the following areas:
-Verification of identity for all household members
-Verification of income for all household members over age of 18
-Verification of mortgage payment owed
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