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.

Ang tulong na nilaan sa pamamgitan ng programang ito ay hindi utang at hindi kailangang bayaran pabalik. 

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: 

• Nakalampas ngdi bababasa dalawang bayarin sa kanilang pangunahing mortgage at kasalukuyang nahuhuli sa pagbyad; o
• May utang sa hindi nababayarang buwis sa ari-arian (ito man ay binabayarang tahasan sa kanilang county o bahagi ng iyong bayarin sa mortgage; o
• Are caught up on their mortgage but have a partial claim or loan deferral; or
• May reverse mortgage at may utang sa kanilang tagapaglingkod sa nakaraang bayarin sa buwis sa ari-arian at/o insurance.

Dapat matugunan ng lahat ng mga aplikante ang mga sumusunod na kinakailangan: 

• 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);
• Nagma may-ari at nakatira sa isang bahay na pang-isang pamilya, condo, o pangmatagalang nakakabit na ginawang bahay o ari-ariang hanggang apat na unit; at
• '-Nakaranas ng isang paghihirap sa pananalaping may kaugnayan sa pandemya matapos ang Enero 21, 2020 – ito man ay dahil sa pagkawala ng kita o paglaki ng gastusin ng sambahayan.

Karagdagang pangangailangan ay kailangang matugunan ayon sa uri ng tulong na kailangan. Ang mga karagdagang kaalaman sa mga pangangailangan sa pagiging karapat-dapat ay makikita sa pahinang Who is Eligible . Para sa mga tanong pa tungkol sa pagiging karapat-dapat, ang Contact Center ay matatawagan Lunes hanggang Biyernes sa pagitan ng 8 AM and 6PM PST.

Ang mga pondo sa mga mapagtitibay na aplikasyon ay mapupunta nang tahasan sa samahan/entity na pinagkakautangan ng mga pondo, siya man ay tagapaglingkod ng mortgage o isang tagalikom ng buwis ng county. Ang mga pondo ay hindi kailanman nilaan nang tahasan sa mga aplikante.

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.

Kapag naibigay niyo na ang inyong apila, ito ay susuriin, at kayo ay sasabihan kung kailangan ng dagdag na kaalaman o kung may kapasyahan na tungkol sa inyong apila.

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.