The California Mortgage Relief Program is providing financial assistance to help homeowners who have fallen behind on their mortgage or property tax payments or who have partial claims/loan deferrals due to pandemic-related financial hardships can get a fresh start.  The grants help homeowners who have faced a financial hardship during the COVID-19 pandemic.

프로그램에서 제공한 지원금은 대출 융자가 아니며 상환할 필요가 없습니다.

At this time, the one-time, federally funded California Mortgage Relief Program has limited available funds, so the program is no longer accepting new applications.

Submitted applications will be processed until all available funds have been awarded.

Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.

In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/

If you have started an application but have not yet completed and submitted it, you are no longer able to submit it. All incomplete applications have been cancelled due to limited available funds. 

In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/

Applications that were already submitted will be processed until all available funds have been awarded.

Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.

Homeowners who already submitted applications to the California Mortgage Relief Program can log into their application portal to check the status of their application at any time. The program’s contact center is open Monday-Friday, 8 a.m. to 6 p.m. to answer any questions. Call 1-888-840-2594.

Homeowners who’ve applied can check their application status in two ways: 

1. Online: Log into the application portal anytime to check the status of your application.
2. Phone: Call the California Mortgage Relief Program at 1-888-840-2594, Monday-Friday, 8 a.m. to 6 p.m., for direct information about your application.

You will receive a confirmation when your application is submitted. We suggest homeowners check their email frequently in case any additional information is requested during the review process. Additional documentation can be uploaded through the application portal and if assistance is needed with uploading, the Contact Center is able to provide support and can be reached at 1-888-840-2594, Monday – Friday from 8 a.m. to 6 p.m. The Contact Center can also help answer any questions you may have about your application.

Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.

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. You will be contacted once there is a change in your application status or if more information is needed.

In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/

Whether they have a mortgage, a reverse mortgage, or are mortgage-free, the program is for California homeowners who meet the eligibility requirements. Homeowners may be eligible if they: 

• 모기지를 최소 두 차례 미납했으며 현재도 연체 상태; 또는
• 미납한 재산세 채무를 갖고 있거나 (카운티에 직접 납부하거나 또는 모기지 대금의 일부로 납부하거나); 또는
• Are caught up on their mortgage but have a partial claim or loan deferral; or
• 리버스(역) 모기지를 갖고 있으면서 서비스 제공자에게 재산세 그리고/또는 보험료를 체납했습니다.

모든 신청자는 다음 요건을 충족해야 합니다. 

• Household income is at or below the county income limit (150% of their county’s Area Median Income, based on federal limits set for this program);
• 단독주택, 콘도, 영구 부착된 조립식 제조 주택, 또는 최대 4개 유닛이 있는 부동산을 소유 및 거주; 그리고
• 2020년 1월21일 이후 팬데믹 관련 재정적 어려움 경험 - 소득 손실 또는 가계 지출 증가

필요한 지원 유형에 따라 추가 요건을 충족해야 합니다. 자격 요건에 관한 더 자세한 정보는 자격 대상 에서 확인할 수 있습니다. 자격에 관한 추가 질문은 월요일에서 금요일까지 서부 시간 기준 오전 8시부터 오후 6시까지 문의 센터를 이용할 수 있습니다.

승인된 신청서에 대한 자금은 모기지 서비스 제공업체 또는 카운티 세금 징수국 등 자금을 갚아야 하는 기구/기관에 직접 전달됩니다. 자금은 신청자에게 직접 제공되지 않습니다.

Income limits are determined by the U.S. Department of Housing and Urban Development. According to U.S. Treasury Guidance for the Homeowner Assistance Fund, a homeowner may be eligible for assistance if their household income is at or below 150% of their local county’s Area Median Income, or at or below 100% of the U.S. Median Income, whichever is greater.

If your application for assistance was denied, you have up to 30 days after the denial to submit an appeal by filling out the questionnaire in the application portal. The appeals process can take time.

There is a questionnaire in the application portal that will determine whether you may move forward with your appeal. When submitting your appeal, please include any documentation to support your appeal.

이의 제기를 제출하고 난 후에는 이를 검토하게 되며, 추가 정보가 필요하거나 이의 제기에 관한 결정이 내려지면 여러분에게 연락을 드립니다.

If you have questions about the reason for a denial or the appeals process in general, please call the Contact Center at 1-888-840-2594 between the hours of 8:00 a.m. – 6:00 p.m. PST, Monday-Friday.

Once an application is approved, the California Mortgage Relief Program will work closely with your loan servicer or county tax collector to process payments. We are committed to helping homeowners through the review process.