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在新冠疫情期间,政府拨出了 10 亿美元的房贷救济资金,用于帮助拖欠房贷或房产税款项的加州房主。符合资格的房主将无需偿还获得的资金,该计划也不收取任何费用。
加州房贷救济计划由 2021 年《美国救援方案法》的房主援助基金资助。旨在帮助因疫情面临财务困难而拖欠房贷或房产税款项,且符合资格的房主。

该计划通过加州住房金融局(CalHFA)房主救济公司,向房主提供援助。

加州房贷救济计划条款表(如美国财政部所批准)。

 

 

房贷救济

房产税

请点击此处查看资格并申请.

参与的抵押贷款服务商。

常见问答集

什么是加州房贷救济计划?

加州房贷救济计划提供财务援助,支付逾期未缴的房贷或房产税,旨在帮助拥有房贷、反向抵押贷款(Reverse Mortgage),甚至是没有房贷的房主。通过联邦提供的10 亿美元拨款,该计划得以帮助在新冠疫情期间面临财务困难的房主。该计划提供的援助金不是贷款,不需要偿还。

这项计划为什么很重要?

The California Mortgage Relief Program offers financial assistance to eligible homeowners that does not have to be paid back. This means homeowners who have fallen behind on their mortgage or property tax payments due to pandemic-related financial hardships can get caught up. Homeowners who are approved for these grants should talk with a tax professional about any impact this may have on their income taxes.

谁有资格?

此计划向所有符合资格的加州房主提供,无论这些房主是否有房贷、反向抵押贷款(Reverse Mortgage),甚至是没有房贷。若满足以下条件,房主可能符合申请资格:

  • 至少错过2次房贷付款,且目前仍有积欠的款项;或者
  • 积欠房产税(无论是直接向县政府支付,还是包括在房贷付款内);或者 
  • 拥有反向抵押贷款(Reverse Mortgage),并且积欠您的服务商房产税和/或房屋保险

所有申请人必须满足以下要求: 

  • 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);
  • Own and live in a single family home, condo, permanently affixed manufactured home or property with up to four units.
  • 在 2020 年 1 月 21 日之后因疫面临财务困难,其中包括收入损失以及家庭支出增加

房贷救济条件:

  • Missed two or more mortgage payments before December 1, 2022, and are currently delinquent; and
  • 在提交申请时,逾期未付的金额必须等于或少于 80,000 美元 

房产税援助條件(若將直接支付給所在县的收税机构):

  • 在 2022 年 5 月 31 日前至少错过一次房产税付款;
如果您的房贷或反向房贷(reverse mortgage)援助申请遭拒,您可以通过线上申请网页(Application Intake Portal)填写问卷,提交上诉。问卷结果会告知您是否符合上诉条件。

如果您的房产税援助申请遭拒,请发电子邮件至[email protected] 提出上诉,并在信中包含任何能支持上诉的证明文件。

Homeowners may only have one active application in the review process at a time.

我已经获得加州房贷救济计划的拨款。如果我再次符合变更后的资格,我能获得额外的援助吗?

Households will now be allowed to apply for additional assistance, even if they previously received funding, with each household eligible to receive a maximum of $80,000 in total assistance. The household must meet all other qualifications for additional support at the time of the new application.

如果不能一次填写完申请表,是否可以稍后接着填写?

就加州房贷救济计划来说,经济困难是由于新冠病毒 (COVID-19) 疫情导致收入减少或生活费用增加。生活费用的示例包括医疗费用、家庭中居住的人数增加或水电费上涨。 

申请人需要提供什么信息?

在完成申请之前需要收集的文件样本清单包括:

  • 房贷对账单
  • 银行对账单
  • 水电费账单
  • 收入文件(即工资单、纳证明报表或失业证明文件)

如果申请人有独特的情况,还必须提供不同类型的信息。

我可以获得多少援助?

针对有房贷或反向抵押贷款的房主,每户最高可获得80,000美元,用来支付积欠贷方的款项。请注意,在提交申请时,积欠超过 80,000 美元的房主将不符合获得援助的资格。

对于直接向县政府支付房产税的房主,该计划将提供每户 最高 20,000 美元,用来支付积欠县政府税收机构的款项。 

The assistance provided through the California Mortgage Relief Program is not a loan and does not need to be paid back. Homeowners receiving these grants should talk with a tax professional about any impact this may have on their income taxes.

Households are allowed to apply for additional assistance, even if they previously received funding, with each household eligible to receive a maximum of $80,000 in total assistance. The household must meet all other requirements for additional support at the time of the new application. Applicants may only have one active application in the review process at a time.

如果已经收到了与新冠病毒 (COVID-19) 疫情相关的政府援助,我还有资格吗?

加州房贷救济计划向房主开放,即使已从其他新冠病毒 (COVID-19) 疫情计划获得政府援助,例如,《经济纾困法案》 (CARES Act)、《2021 年综合拨款法》(Consolidated Appropriations Act of 2021) 或《美国救援方案法》(American Rescue Plan Act)。

However, households where the mortgage holder(s) or anyone else living at the property has received or been approved to receive Emergency Rental Assistance Program funds for the property, either from the state or a local government, are not eligible for the Mortgage Relief Program.

我如何知道我的地区收入中位数 (AMI) 是多少?

您可以通过使用加州房贷救济计划网站上的地区中位收入计算器,了解您是否符合收入要求。家庭收入等于或低于所在县 150% 地区收入中位数的房主符合本计划资格(基于联邦为该计划设定的限制)。地区中位收入因所在县和家庭人口而异。

该计划如何决定收入限制?

收入限制是由美国住房与城市发展部决定。根据美国财政部的房主援助基金( Homeowner Assistance Fund)原则,家庭收入等于或低于所在县地区中位收入150%,或等于或低于美国中位收入 100%(以两者中的较大者为准)的房主可能有资格获得援助。 Area Median Income, or at or below 100% of the U.S. Median Income, whichever is greater. 

如果申请问卷结果显示不符合资格,是否还能填写申请表?

如果申请问卷说没有资格获得援助,建议致电 1-800-569-4287 联系住房与城市发展部 (HUD) 认证的住房顾问,讨论还有什么其他选择。

我在哪里可以填写申请表?

"您可以访问 camortgagerelief.org 并点击“立即申请” (Apply Now)查看您是否符合申请资格,满足预筛选标准(pre-screening criteria)的房主可以填写申请表获得资金。如果需要帮助填写申请表,请致电该计划的客服中心:1-888-840-2594。"

Where can I get more in-depth assistance filling out my application?

Depending on the type of assistance you need, there are various options to get help.

For questions about your application or questions about the program, help is available through the program’s Contact Center at 1-888-840-2594 Monday through Friday between the hours of 8AM and 6PM PST

To see if there is in-person assistance available near you, visit the Community Based Organizations page.

For help deciding if this program is the best way to get help for your housing situation, contact a HUD-Certified Housing Counselor.

Legal assistance, free services for homeowners including foreclosure prevention and assistance with an application for the California Mortgage Relief Program, is available through the organizations listed on the Legal Assistance page.

申请有截止日期吗?

计划将继续接受申请,直至所有资金已发放给加州房主,预计结束日期为 2025 年。虽然计划没有申请截止日期,但是资金会以先到先得方式发放。

审核申请需要多长时间?

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.

申请获得批准后,需要多长时间才能获得经济援助?

一旦申请获得批准,加州房贷救济计划将与贷款公司或县市税务人员密切合作,尽快处理付款。我们致力有效地协助房主。

我的申请被拒绝了。有上诉程序吗?可以重新申请吗?

If your application for assistance 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. When submitting your appeal, please include any documentation to support 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.

您也可以通过提交新申请的方式重新进行申请。如需重新提交申请, 请前往 CaMortgageRelief.org,并点击"立即申请"(Apply Now)。+ CaMortgageRelief.org and clicking Apply Now.

 

我的申请遭拒,理由是我已经没有积欠房贷付款。但是我并不这么认为,请问该计划的决定是基于哪些因素?

Eligible homeowners must be at least two payments behind on their mortgage two months prior to December 1, 2022, and currently past due. If an applicant’s home loan is current as a result of assistance offered by their loan company — including a loan modification, deferral or partial claim — homeowners may soon be eligible for assistance. The action of a loan being sold or transferred to another company does not affect eligibility. If, during that transaction, the new lender brings the loan current due to an agreed-upon loan modification or deferment, then the loan would not qualify because it is no longer past due.

To stay up to date on the latest updates to the program, which could impact your future eligibility, we encourage you to sign up for the eNewsletter in the Stay Informed section of the California Mortgage Relief Program website.

我们鼓励不符合此计划资格但需要帮助的房主进一步了解其他相关的援助计划,请致电住房与城市发展部 (HUD) 认证的住房顾问:1-800-569-4287。 

Find a HUD-certified housing counselor near you.

 

如果我的申请因为填写时间超过了 30 天而被取消,是否可以再次申请?

是。如果申请被取消,可以访问加州房贷救济计划网站, 点击“在此申请 (Apply Here)”按钮重新申请。一旦房主开始申请或直到填写完申请, 资金将保留 30 天。30 天后,资金将重新释放到新申请人的资金池中。

Applicants may only have one active application in the review process at a time.

是否有可以填写并邮寄的纸质申请表?

申请必须在网上完成。然而,住房顾问或合作的社区组织或许可以协助您填妥且提交申请。

To check if in-person assistance is available near you, please visit the 社区组织页面。 page.

 

申请表提供哪些语言?

申请表一共使用六种语言版本:英文、西班牙文、中文、韩文、越南文和他加禄文。

The Contact Center is able to provide assistance over the phone in over 200 languages. To speak to a California Mortgage Relief Program representative call 1-888-840-2594 Monday through Friday between the hours of 8AM and 6PM PST.

如果没有扫描仪,是否可以用手机拍照社会保障号码卡和其他文件上传到申请表中?

是,数字照片和扫描的文件一样。拍照时光线一定要好,照片要清晰可读。

如果不能一次填写完申请表,是否可以稍接着填写?

The application portal will store your information so you can return to where you left off. Homeowners have 30 days to complete their application and provide all required information. After the 30 days, the application will be canceled.  

申请表填完后,如果需要更改,是否还能再打开?

Once you submit your application, it will be transferred for review, and you will no longer be able to make additional changes. However, a review specialist will contact you regarding your application, so you may discuss your changes with them. Applicants can also send messages directly to their reviewers in the application portal.

FAQ section