Who is Eligible
Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.
Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.
Applicants who do not meet eligibility criteria should contact a HUD-certified housing counselor to explore other options that may be available. Click here to find a HUD-certified housing counselor near you.
NEW: The California Mortgage Relief Program has expanded to provide assistance with COVID-related loan deferrals or partial claim second mortgages.
* Maximum assistance per household: $80,000
* Multiple assistance types allowed
|FHA, VA||Fannie Mae, Freddie Mac|
|Types of Partial Claims and Loan Deferrals Eligible for Assistance||For Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA) mortgages, homeowners may have taken a COVID-related partial claim second mortgage that eliminated a delinquency by transferring the past- due amount from the primary mortgage to a second loan.||For Fannie Mae or Freddie Mac mortgages or private mortgage insurance, homeowners may have a COVID-related loan deferral with current servicer, which moved the amount of a delinquency to the end of the mortgage as a balloon payment.
Note: While homeowners with loans backed by private mortgage insurance may be eligible, homeowners with private party mortgages are not.
|Additional Documentation (For the full list of all required documents, please visit the California Mortgage Relief Term Sheets)||For FHA or VA Loans: homeowners should have a partial claim note from the mortgage servicer.||For loan deferrals with current mortgage servicer, homeowners should have a Loan Deferral Agreement from the mortgage servicer showing the deferral amount.|
Applicants who receive assistance from the California Mortgage Relief Program for COVID-related partial claim second mortgages will be responsible for any associated fees, such as recording fees. These fees will be payable to the applicant’s mortgage servicer when their primary mortgage is paid off. Homeowners can contact their mortgage servicer for more information.
For questions about this new eligibility expansion, please call the Contact Center at 1-888-840-2594, Monday through Friday, 8am – 6pm PST.
Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Applicants who do not meet the criteria below should contact a HUD-certified housing counselor to explore other options that may be available.
MORTGAGE RELIEF EXAMPLE: homeowners needing $30,000 to get caught up on their mortgage will be ineligible if they have $50,000 or more in cash or assets.
PROPERTY TAX EXAMPLE: homeowners needing $10,000 to get caught up on their property tax payments will be ineligible if they have $30,000 or more in cash or assets.
For conforming loan limits detail, click here and open the chart that corresponds with the year the mortgage was first secured or last re-financed. In that year’s chart, the conforming loan limit is listed by county of residence and property type. If you need assistance, please call the Contact Center at 1-888-840-2594.
Depending on their unique circumstances, some applicants will have to provide different kinds of information. A sample list of documents to gather before completing the application includes:
- Mortgage Statement
- Bank Statement
- Utility Bill
- Income documentation (i.e. pay stubs, tax returns, or unemployment document)