What is the California Mortgage Relief Program?
The California Mortgage Relief Program uses federal Homeowner Assistance Funds to help homeowners get caught up on their housing payments. The program is absolutely free and the funds do not need to be repaid.
The California Mortgage Relief Program is part of the state’s Housing is Key initiative.
Check Income Requirements
To find out if you might meet income requirements, enter your information below.
County
People in Household
If an applicant's household income is at or below this amount, you may be eligible for the California Mortgage Relief Program
Eligibility Requirements
The program is open to all eligible Californians who are currently experiencing pandemic-related hardships and have fallen behind on their housing payments.
Applicants must meet ALL of the following criteria:
Household income at or below 100% of their county’s Area Median Income;
Missed at least two mortgage payments prior to December 27, 2021;
Past due amount must be $80,000 or less at the time of application submission;
Own a single-family home, condo or permanently affixed manufactured home; and
Faced a pandemic-related financial hardship after January 21, 2020.
You can find more information regarding eligibility at camortgagerelief.org/who-is-eligible.
How to Apply
If you think you might be eligible for the program, click here to check your eligibility and apply.
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.
If you’re behind on your mortgage, don’t panic!
Even if the foreclosure process has started, it can often take several months before your home is foreclosed. You may still have time to seek help.
To learn more about the foreclosure process, visit California’s Housing Is Key website.