도움말

Contact Center

Get personal assistance with your application from the California Mortgage Relief Program Contact Center at 1-888-840-2594 Monday through Friday between 8AM and 6PM PST. Assistance is available in over 200 languages.

Legal Assistance

For legal questions, visit the Legal Assistance page.

이메일

질문이 더 있으신가요? 이메일을 보내주시면 24-48 시간 이내에 답변을 드리겠습니다. info@camortgagerelief.org 

HUD-Certified Housing Counselors

HUD-approved housing counseling agencies are trained and certified by the U.S. Department of Housing and Urban Development to help you assess your financial situation, evaluate options and find programs and resources to help get you back on track.

Application Help

귀하의 질문해 대해 이미 답변했을 수 있습니다. 자주 묻는 질문 목록을 보려면 자주 묻는 질문을 방문하세요. 

Other Resources

Alternative Options for Mortgage Relief Assistance.

Other Resourses

Categories

Alternative Options for Mortgage Relief Assistance

Housing and Utilities Assistance

Employment and Training Services

COVID-19 Resources

Financial Protection and Scams

Assistance for Businesses

Credit Card Debt Relief

Medical Care and Healthcare Coverage

Human Services Assistance

Food Assistance

Alternative Options for Mortgage Relief Assistance

Federal Housing Finance Agency (FHFA) Mortgage Assistance: FHFA is committed to supporting homeowners who have been affected by housing instability. Through government programs, they offer resources to improve financial housing situations and resolve issues with the entities they regulate, such as Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. Homeowners facing economic hardship are encouraged to contact their mortgage servicer for payment relief options. 

Consumer Financial Protection Bureau (CFPB) Homeowner Assistance Funds: For homeowners who don’t qualify for the Homeowner Assistance Fund (HAF) but are facing financial difficulties, the Consumer Financial Protection Bureau (CFPB) offers guidance on mortgage forbearance. Forbearance allows homeowners to pause or reduce mortgage payments temporarily. Eligibility requires experiencing financial hardship due to the pandemic, and it’s applicable to federally backed and some non-federally backed mortgages. The initial forbearance period typically lasts 3 to 6 months, with possible extensions. Homeowners are encouraged to contact their mortgage servicer and consider consulting a HUD-approved housing counselor for personalized assistance and planning. 

The U.S. Department of Housing and Urban Development (HUD): HUD offers various programs targeting undeserved communities and veterans, including counseling services, financial aid, and specific mortgage relief options. For detailed information and to find specific programs, visit the HUD website. 
Streamline Refinancing for FHA and USDA Loans: Homeowners with federally backed FHA and USDA mortgages may qualify for Streamline Refinancing. This program allows for refinancing without the need for re-verifying income and employment or getting the home appraised. It is designed to help homeowners refinance their mortgages to lower interest rates and reduce monthly payments, even if they have little, no, or negative home equity. 
VA Housing Assistance: For veterans, the VA provides mortgage assistance programs that can help with loan forbearance, loan modification, and other relief options designed to prevent foreclosure. These programs are designed to offer targeted support to ensure that these communities receive the help they need in managing their mortgage payments and maintaining housing stability. For detailed information, visit the VA official website. 
CARES Act Mortgage Assistance Programs: Although some provisions of the CARES Act have expired, homeowners may still seek forbearance or loan modification assistance through their loan servicers. These options are designed to help homeowners manage financial hardships by temporarily pausing or modifying their mortgage payment. 

Housing and Utilities Assistance

California Department of Real Estate offers information and resources for loan modification and foreclosure prevention.

Housing and Urban Development (HUD)
Find local nonprofit organizations that can offer housing assistance, learn about avoiding foreclosure, and locate a regional housing authority.

Department of Community Services and Development
Connecting people to home energy assistance, energy crisis intervention, and low-income weatherization programs.

California Public Utilities Commission (CPUC)
The CPUC regulates services and utilities, protects consumers, safeguards the environment, and assures Californians’ access to safe and reliable utility infrastructure and services.

CalCAPA
Local services including utility and rental assistance.

Employment and Training Services

America’s Job Center of California SM (AJCC)
The AJCC offers a variety of services that bring employers with job openings and qualified job seekers together at no cost. You can contact your local AJCC for help with mailing or faxing a paper Unemployment Insurance application.

Apprenticeship Opportunities
Learn more about apprenticeship opportunities through the “I Built It!” website at the Department of Industrial Relations.

COVID-19 Resources

코로나19 CA 웹사이트
캘리포니아 코로나바이러스 (COVID19) 대응 공식 웹사이트

Financial Protection and Scams

소비자금융보호국
소비자금융보호국은 은행, 대출 기관 및 기타 금융회사가 귀하를 공정하게 대우하도록 하는 미국 정부 기관입니다. 웹사이트에는 모기지 및 현재 제공되는 연방 보호책에 대한 유용한 정보도 있습니다.

캘리포니아 법무장관실
대출 상환 조건 변경 및 압류 구조사에 대한 정보

금융보호혁신국
캘리포니아 금융보호혁신국 (DFPI)은 소비자를 보호하고 금융 거래에 종사하는 기업에 서비스를 제공합니다. DFPI는 또한 압류 보호 및 기타 구제 리소스를 제공합니다.

Assistance for Businesses

코로나19 CA 소기업 지원
코로나19의 영향을 받은 소기업을 위한 리소스

U.S. Small Business Administration (SBA)
SBA Offers help for small businesses affected by COVID-19.

California Department of Tax and Fee Administration
Get relief and extensions for filing state tax returns.

Credit Card Debt Relief

Money Management International
A nonprofit organization offering credit counseling.

Medical Care and Healthcare Coverage

Covered CaliforniaTM
A marketplace for people to find out if they are eligible for financial help and buy health insurance, including Medi-Cal. They help you choose a plan that works best for your health care needs and your budget. You may even be able to get help paying for your health care or qualify for Medi-Cal.

Covered California for Small Business
A marketplace where businesses with up to 100 employees can apply for coverage for their workers. Small businesses can offer employees a choice from affordable, top quality, brand-named health insurance within a budget set by the company. Some small businesses could be eligible for federal tax credits.

County Medical Services Program
Counties offer health care for low-income people not eligible for other help.

Community Health Clinics
California Primary Care Association can help you find a community clinic.

COBRA
Eligible individuals can continue group health insurance benefits during periods of unemployment.

Human Services Assistance

California Area Agencies on Aging
Assists elders and their families to identify services and opportunities.

California Partnership to End Domestic Violence (CPEDV)
Provides referrals to local service providers, shelters, legal services and more.

Child Support Services
Request changes in your child support orders due to loss of job or Unemployment Insurance benefits.

County Welfare Directors Association of California (CWDA)
A non-profit association that promotes a human services system that encourages self-sufficiency of families and communities and protects vulnerable children and adults from abuse and neglect. This association promotes county services.

First 5 California
Useful resources and information for parents, guardians, and caregivers with children ages 0 to 5.

Food Assistance

캘프레시 (formerly known as Food Stamps)
CalFresh provides monthly food assistance to people and families with low income, including those who lost their job because of the pandemic. Visit GetCalFresh.org to apply online in 10 minutes. You will be interviewed by your county. If approved, you can get up to $234 a month in food benefits.

California Association of Food Banks
In California, federal, state, and local community organizations coordinate to make sure that groceries are available at local food banks.

Free Summer Lunch Programs
Free lunches are available to all children under 18, regardless of income.

School Meals
Free or reduced-price breakfast and lunch at public schools when in session.

Women, Infants and Children (WIC) Program
Pregnant women and children under age 5 receive nutrition support at WIC.