California Mortgage Relief Program

Falling behind on your housing payments? You’re not alone. Help is here for California homeowners.

Coming Soon

The California Mortgage Relief Program will soon expand to provide assistance to reduce or eliminate COVID-related loan deferrals or partial claim second mortgages.

What is the California Mortgage Relief Program?

The California Mortgage Relief Program uses federal Homeowner Assistance Funds to help homeowners get caught up on past-due housing payments and property taxes. The program is absolutely free and the funds do not need to be repaid.

Eligibility Requirements

Whether they have a mortgage, a reverse mortgage, or are mortgage-free, the program can help homeowners with past-due housing payments.

For more details on eligibility visit Who is Eligible.


People in Household

Find the income limit for your county and household size.

If an applicant's household income is at or below this amount, you may be eligible for the California Mortgage Relief Program.

How to Apply

If you think you might be eligible for the program, visit the Who is Eligible page to learn more or click here to apply.

For questions about the program or your application, call our Contact Center at 1-888-840-2594.

For more help with housing issues, including mortgage relief, find a HUD-Certified Housing Counselor Near You.

If you’re behind on your mortgage, don’t panic!

Even if the foreclosure process has started, it can often take several months before your home is foreclosed. You may still have time to seek help.

To learn more about the foreclosure process, visit California’s Housing Is Key website.

Other Financial Assistance

For more information about the different types of financial help available through the state of California, visit

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