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$1 billion in mortgage relief funds are now available to California homeowners who have fallen behind on their housing payments during the COVID-19 Pandemic. Qualified homeowners will not have to pay back funds that are awarded.

The California Mortgage Relief Program is funded by the 2021 American Rescue Plan Act’s Homeowners Assistance Fund. It was designed to provide assistance to qualified homeowners who have fallen behind on their housing payments due to pandemic-related financial hardships.

The program will be provided to homeowners through the CalHFA Homeowner Relief Corporation as part of the state’s Housing is Key initiative.

California’s Mortgage Relief Program Term Sheet (as approved by the U.S. Department of Treasury).

Click here to check your eligibility and apply.

Participating Mortgage Servicers.

Frequently Asked Questions

What is the California Mortgage Relief Program?

The state has launched the California Mortgage Relief Program to provide a one-time grant to qualified homeowners who have fallen behind on their housing payments. Using $1 billion in federal funds, the grants help homeowners who had a financial hardship during the COVID-19 pandemic by covering missed housing payments. Assistance provided through this program is not a loan and does not need to be paid back.

Why is the program important?
Unlike previous mortgage assistance programs, the California Mortgage Relief Program offers assistance to qualified homeowners and the assistance does not have to be paid back. It is a one-time grant to catch up homeowners who have fallen behind on their housing payments due to pandemic-related financial hardships.

Homeowners who receive these grants should talk with a tax professional about any impact this may have on their income taxes.

Who is eligible?
The program is open to all California homeowners who meet the eligibility requirements. Applicants must meet all of the following requirements:

  • Household income is at or below 100% of their county’s Area Median Income;
  • Own a single-family home, condo or permanently affixed manufactured home in California; and
  • Have faced a pandemic-related financial hardship after Jan. 21, 2020.

And meet at least one of the following:

  • Receiving public assistance;
  • Severely housing burdened; or
  • Been denied an alternative mortgage workout option by their mortgage servicer
What is considered a financial hardship?
For the California Mortgage Relief Program, a financial hardship is either a reduced income or increased living expenses due to the COVID-19 pandemic. Examples of living expenses are medical expenses, more people living in the household, or costs for utility services.
What information does an applicant need to provide?
A sample list of documents to gather before completing the application includes:

  • Mortgage statement
  • 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.

How much assistance is available to me?
Mortgage assistance grants are directly tied to the past due amount the homeowner owes their lender, up to a maximum of $80,000 per household. Funds awarded for mortgage reinstatement will be sent directly to the homeowner’s lender or mortgage servicer.

The assistance provided through this program is not a loan and does not need to be paid back.

Homeowners who receive these grants should talk with a tax professional about any impact this may have on their income taxes.

Am I still eligible if I already received COVID-19-related government assistance?
The California Mortgage Relief Program is open to homeowners even if they have received government assistance from other COVID-19 programs, such as the CARES Act, Consolidated Appropriations Act of 2021 or the American Rescue Plan act.
How do I find out what my AMI (Area Median Income) is?
You can find out if you might meet income requirements by using our AMI calculator found on the homepage of our website at camortgagerelief.org. The AMI varies by county and household size.
If my application questionnaire result says that I am not eligible, can I still fill out an application?

If the application questionnaire says you don’t qualify for assistance, we recommend that you contact a HUD-certified housing counselor at 1-800-569-4287 to discuss other options available to you. However, if you feel you have entered information incorrectly or if your circumstances change, you may try the Eligibility tool again with the corrected information.

Where can I complete my application?
You can check to see if you are eligible to apply for the California Mortgage Relief Program by visiting camortgagerelief.org and clicking the “Apply Here” button. Homeowners who meet the pre-screening criteria may complete an application for funding. If you need help filling out the online application, please contact your mortgage servicer or a HUD-certified housing counselor at 1-800-569-4287.
Where can I get assistance for filling out the application?
If you need help filling out the online application, please contact your mortgage servicer or a HUD-certified housing counselor at 1-800-569-4287.
Is there a deadline to apply?
Funds will be deployed from the program until they are all allocated, with an end date projected by 2025. While there is no strict deadline for application, applying as soon as possible allows your review process to begin more quickly, which in turn means you will likely receive funds sooner if your application is approved.
How long will it take to review my application?

Due to the widespread impact of the pandemic, we anticipate a high volume of applications. Completed applications with all required documentation may take several weeks from the date of application submission until a qualified applicant receives the approved funding. The California Mortgage Relief Program is committed to helping homeowners as quickly as possible.

Once my application is approved, how long will it take to receive financial assistance?
Once an application is approved, the California Mortgage Relief Program will work closely with the loan servicers to process payments quickly. We are committed to helping homeowners as quickly as possible.
My application was denied. Is there an appeals process? Can I re-apply?
If your application was denied, you may reapply to the program.

If you would like to appeal the decision, please email [email protected] and include the reason why you believe the decision should be reversed.

Can I apply again if my application was canceled for taking more than 30 days to complete it?
Yes, if your application was canceled, you can re-apply by visiting the California Mortgage Relief Program website and clicking the “Apply Here” button. Funds are held for 30 days once a homeowner begins their application or until the application is completed. After 30 days the funds are released back into the pool for new applicants.
Is there a paper application I can fill out and mail in?
Applications must be completed online; however, housing counselors may be available to help you complete and submit your application.
Which languages is the application available in?
The application is available in six languages: English, Spanish, Chinese, Korean, Vietnamese and Tagalog.
If I don’t have a scanner, can I use my phone to take a picture of my Social Security Card and other documents and upload them to my application?
Yes, digital photos of documents are considered equivalent to scanned documents. Make sure that the photos are taken in good lighting and are readable.
If I cannot finish my application at one time, can I resume it later?
The application portal will store your information so you can return to where you left off. Homeowners have 30 days to complete their application and provide all required information.
Once I finish my application, will I still be able to access it if I need to make changes?
Once you submit your application, it will be transferred for review, and you will no longer be able to make additional changes. However, a review specialist will contact you regarding your application, so you may discuss your changes with them.
FAQ section