About
The California Mortgage Relief Program has provided grants to thousands of eligible homeowners to ease their financial hardships that resulted from the COVID-19 pandemic. At this time, the federally funded California Mortgage Relief Program is no longer accepting new applications. Applications that were already submitted will be processed until all available funds have been awarded.
The California Mortgage Relief Program is funded by the 2021 American Rescue Plan Act’s Homeowner Assistance Fund. It provides up to $80,000 in assistance to eligible homeowners to help with:
- Past-due mortgage payments.
- Missed property taxes.
- Partial claims and loan deferrals taken during or after January 2020.
- Reverse mortgage arrearages.
This state program is operated by the CalHFA Homeowner Relief Corporation.
Frequently Asked Questions
What is the California Mortgage Relief Program?
The California Mortgage Relief Program provided financial assistance to help give a fresh start to homeowners who fell behind on their mortgage or property tax payments or who had partial claims/loan deferrals due to pandemic-related financial hardships. The grants helped homeowners who faced a financial hardship during the COVID-19 pandemic. Assistance provided through this program does not need to be paid back.
Why has the Program stopped accepting new applications?
The one-time, federally funded California Mortgage Relief Program has awarded all homeowner grants and will not receive any more funding to provide additional grants to homeowners. If you still need help, we encourage you to visit our page that provides information on legal aid groups that support homeowners or HUD-certified housing counselors: https://camortgagerelief.org/help/.
My application was canceled/denied, but I believe I qualify for an exception. Who can I speak with about this?
Applicants were each given 30 days to appeal decisions and unfortunately, that period has passed for all applicants. Additionally, the Program has distributed all of the one-time federal funding available for homeowner grants and will not receive any additional assistance.
Will the California Mortgage Relief Program accept new applications in the future?
The California Mortgage Relief Program received one-time federal funds through the American Rescue Plan Act’s Homeowner Assistance Fund. The Program has distributed all the funds available for homeowner grants and will not receive additional funding. If you still need help, we encourage you to visit our page that provides information on legal aid groups that support homeowners or HUD-certified housing counselors: https://camortgagerelief.org/help/.
Will the California Mortgage Relief Program receive any more funding?
Through the American Rescue Plan Act’s Homeowner Assistance Fund, the federal government provided all states with one-time funds to help homeowners who faced pandemic-related financial hardships. The Program has distributed all funds available for homeowner grants and will not receive additional funding.
I still need help with my (mortgage payments, property taxes, partial claims, PACE loans) are you offering any other support to homeowners in need?
If you need additional help, we encourage you to visit our page that provides information on legal aid groups that support homeowners or HUD-certified housing counselors: https://camortgagerelief.org/help/.
How did the California Mortgage Relief Program spend the federal funding it received from the American Rescue Plan Act?
The California Mortgage Relief Program allocated $907 million in federal funds as homeowner grants for mortgage relief, partial claims/loan deferrals, property tax and PACE assistance. We helped over 37,000 homeowners pay their housing costs.
