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.
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?
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.
What is considered a financial hardship?
What information does an applicant need to provide?
- 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. Homeowners who are delinquent by more than $80,000 at the time they submit their application would not be eligible for assistance from the program. 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?
How do I find out what my AMI (Area Median Income) is?
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?
Where can I get assistance for filling out the application?
Is there a deadline to apply?
How long will it take to review my application?
The application review process may take several weeks to complete and for funding to be distributed. Timing of the review process will depend on the completeness of the submitted application, need for additional information and documents, and responsiveness of the applicant, co-applicants, the mortgage servicer and/or other parties that need to provide information. The review process also includes analyzing for fraud and suspicious activity. The California Mortgage Relief Program is committed to helping homeowners as quickly as possible.
You can always check the status of your application by logging in to the Intake Portal, or by calling the Contact Center at 1-888-840-2594.
Once my application is approved, how long will it take to receive financial assistance?
Once an application is approved, funds will be sent to your loan servicer. The California Mortgage Relief Program will work closely with the loan servicer to process payments quickly. This may require additional communication with the servicer and can take up to a few weeks to complete. 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 submit an appeal by filling out the questionnaire in the Application Intake Portal. The questionnaire will determine whether you may move forward with your appeal.
Once you submit your appeal, it will be reviewed and you will be contacted if more information is needed or once a decision has been made regarding your appeal.
You may also reapply for the program by submitting a new application. You can submit a new application by visiting CaMortgageRelief.org and clicking Apply Now.