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.

Hỗ trợ được cung cấp thông qua chương trình này không phải là một khoản vay và không cần phải hoàn trả.

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: 

• Đã bị trễ hạn ít nhất hai đợt thanh toán cho khoản vay thế chấp chính của họ và hiện còn đang trễ hạn thanh toán; hoặc
• Đang nợ thuế nhà đất chưa thanh toán (cho dù được trả trực tiếp cho hạt của họ hay là một phần trong khoản thanh toán thế chấp); hoặc
• Are caught up on their mortgage but have a partial claim or loan deferral; or
• Có một khoản vay thế chấp ngược và đang nợ dịch vụ cho vay tiền thuế nhà đất quá hạn/ hay bảo hiểm nhà

Tất cả những người làm đơn phải đáp ứng các yêu cầu sau: 

• 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);
• Sở hữu và sống trong một ngôi nhà đơn lập, căn hộ chung cư, nhà tiền chế được lắp đặt cố định hoặc bất động sản có tối đa bốn căn hộ; và
• Gặp phải khó khăn tài chính liên quan đến đại dịch sau ngày 21 tháng 1 năm 2020 – mất thu nhập hoặc tăng chi phí gia đình.

Tùy thuộc vào loại hỗ trợ, có thể cần đáp ứng một số yêu cầu bổ sung. Có thể tham khảo thêm thông tin về các yêu cầu về điều kiện tham gia trên trang Ai đủ điều kiện? . Đối với các câu hỏi khác về điều kiện tham gia, vui lòng liên hệ với Trung tâm Liên hệ làm việc từ 8 giờ sáng đến 6 giờ chiều PST Thứ Hai đến Thứ Sáu.

Những quỹ dành cho các đơn được chấp thuận sẽ được gởi trực tiếp cho tổ chức/công ty bị thiếu nợ, hoặc là bên cho vay thế chấp hoặc sở thuế vụ của quận/hạt. Nguồn quỹ không bao giờ gởi trực tiếp cho người nộp đơn.

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.

Sau khi quý vị gởi đơn khiếu nại, khiếu nại của quý vị sẽ được xem xét và chương trình sẽ liên hệ với quý vị nếu cần thêm thông tin hoặc sau khi có quyết định liên quan đến khiếu nại của quý vị

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.