Chương trình cứu trợ thế chấp của California
Awarded 36,000+ Grants to California Families in Need
No Longer Accepting Applications
Chương trình Cứu trợ Vay Thế chấp California là gì?
Mortgage Relief Term Sheet
Property Tax Term Sheet
Final Report
The California Mortgage Relief Program provided financial assistance to homeowners struggling to make mortgage payments due to the economic impacts of the COVID-19 pandemic. Funded by the federal government, the program aimed to prevent foreclosure for eligible homeowners. It offered grants to cover missed mortgage payments, property taxes, and partial claim/loan deferrals and reverse mortgages.
The initiative targeted low- to moderate-income households, ensuring they could stay in their homes while recovering from financial setbacks caused by the pandemic. The assistance was provided as a grant, with no repayment required, easing the financial burden on affected homeowners.
Program for Homeowners
In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges.
Free Legal Assistance
HUD-Certified Housing Counselors
Program Dashboard
The California Mortgage Relief Program has already provided millions of dollars in critical assistance to thousands of California homeowners struggling with financial hardships. This government program is free, and here to help. There are no fees and nothing to pay back.
Demographics
These pie charts provide demographic breakdown and offer insights into how resources were distributed among different groups.
County data
Total Amount Funded by County
Ethnicity - Sắc tộc
Household Income as a % of Area Median Income - Thu nhập Hộ gia đình tính theo % Thu nhập Trung bình Khu vực (AMI)
Race - Chủng tộc
Data Driven Results
- Data-driven outreach, focused program design and close partnerships with community organizations and consumer advocates have ensured that the most high-risk and vulnerable populations have the opportunity to apply.
- This effort underscores California’s commitment to equity and transparency in providing relief to those most in need.
- The average award amounts for the California Mortgage Relief Program reveal significant regional variations in housing costs. In regions like the Bay Area and Southern California, where housing is more expensive, the average awards are higher, reflecting the greater financial assistance needed to support homeowners in these high-cost areas.
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Stories Directly from Homeowners
The California Mortgage Relief Program awarded over 36,000 grants to homeowners. Read their stories below.
Central Valley
“I was very surprised of the easy process and quick responses I received. It was a blessing to have the funds paid directly to the mortgage company and in a timely and efficient manner. Thank you so much!”
– Ana
Homeowner
San Joaquin County
“Initially, I didn’t believe it would happen for me. I have worked all my life for everything I need and have without getting anything for free. I am just so grateful for the assistance. I have no idea how else to get the funds I needed to keep my home.”
– Sylvia
Homeowner
Sacramento County
Southern California
“I am so relieved and so pleased and grateful for your assistance. This has taken a huge weight off my shoulders and is the reset that I needed.I really appreciate the much needed help to get current and to stay in my home.”
– Maurice
Homeowner
Los Angeles County
“I want to express my deepest gratitude for what you have done for me. I was days away from the foreclosure sale. You gave me my life back and allowed me the chance to keep the home that I have lived in for 23 years. I am so grateful to everyone there. God bless you all and reward you for the work you do. You save lives and you change lives. I am proof!!!”
– Tony
Homeowner
Los Angeles County
Bay Area
“I just wanted to thank the entire team at California Mortgage Relief that helped both my husband and myself keep our house! It truly is amazing, the work you are doing to help folks like my husband and I that were wrecked by the COVID disaster and recession keep our home. It is truly a miracle, so thank you all for your hard work from the bottom of our hearts!”
– Lisa
Homeowner
Marin County
The California Mortgage Relief Program provided me with the ability to continue creating memories and sharing traditions with my friends and family. The funding allowed me the ability to get back on solid ground so that I can continue the legacy that my parents gave to me. I am also a role modelling for my nieces and nephews the value of home ownership
– Alison
Homeowner
Contra Costa County
CA Mortgage Relief Program In the News
News stories helped spread the word about the assistance available for homeowners.
Helping Homeowners: California Expands Mortgage Relief
CalMatters
Angela Morrow was only eight months into a new career as a flight attendant when she was laid off from her job due to the COVID-19 pandemic, putting her at risk of losing her three-bedroom, two-bathroom home in San Bernardino County.
Morrow, 63, said she was able to save her home in Bloomington through the $1 billion California Mortgage Relief Program, which enabled her to pay off more than $54,000 worth of mortgage debt — relief that lowered her monthly payments for the long-term.
California offers help for more homeowners who missed mortgage or tax payments
Los Angeles Times
Angela Morrow was only eight months into a new career as a flight attendant when she was laid off from her job due to the COVID-19 pandemic, putting her at risk of losing her three-bedroom, two-bathroom home in San Bernardino County.
Morrow, 63, said she was able to save her home in Bloomington through the $1 billion California Mortgage Relief Program, which enabled her to pay off more than $54,000 worth of mortgage debt — relief that lowered her monthly payments for the long-term.
California to Help Homeowners Catch up on Mortgage Payments
The Sacramento Bee
Angela Morrow was only eight months into a new career as a flight attendant when she was laid off from her job due to the COVID-19 pandemic, putting her at risk of losing her three-bedroom, two-bathroom home in San Bernardino County.
Morrow, 63, said she was able to save her home in Bloomington through the $1 billion California Mortgage Relief Program, which enabled her to pay off more than $54,000 worth of mortgage debt — relief that lowered her monthly payments for the long-term.
Bay Area Study: Pandemic aid kept needy afloat
Mercury News
Angela Morrow was only eight months into a new career as a flight attendant when she was laid off from her job due to the COVID-19 pandemic, putting her at risk of losing her three-bedroom, two-bathroom home in San Bernardino County.
Morrow, 63, said she was able to save her home in Bloomington through the $1 billion California Mortgage Relief Program, which enabled her to pay off more than $54,000 worth of mortgage debt — relief that lowered her monthly payments for the long-term.
California Mortgage Relief Program to pay homeowners with COVID-19 hardship up to $80K
FoxBusiness
The program makes $1 billion in federal funding available to homeowners who encountered financial hardship due to COVID-19. The funds provided through the program also don’t need to be paid back, according to its FAQ page.
“We are committed to supporting those hit hardest by the pandemic, and that includes homeowners who have fallen behind on their housing payments,” California Gov. Gavin Newsom said in a statement about the program. “No one should have to live in fear of losing the roof over their head, so we’re stepping up to support struggling homeowners to get them the resources they need to cover past-due mortgage payments.”
Free Legal Assistance
In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner.
Bet Tzedek
Pace/Solar/foreclosure issues: 323-648-4715
Services Provided/Issues Addressed
- Foreclosure prevention services
- Property Assessed Clean Energy (PACE) loans and solar fraud
- Successor-in-interest issues
- Ancillary legal services to support housing stability (ex: public benefits, wage recovery, and elder abuse restraining orders)
Counties Served:
Los Angeles (low-income and senior homeowners)
California Rural Legal Assistance
At this time, the one-time, federally funded California Mortgage Relief Program has limited available funds, so the program is no longer accepting new applications.
Submitted applications will be processed until all available funds have been awarded.
Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.
In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/
Legal Access Alameda
If you have started an application but have not yet completed and submitted it, you are no longer able to submit it. All incomplete applications have been cancelled due to limited available funds.
In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/
Legal Aid Society of San Bernardino
Applications that were already submitted will be processed until all available funds have been awarded.
Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.
Homeowners who already submitted applications to the California Mortgage Relief Program can log into their application portal to check the status of their application at any time. The program’s contact center is open Monday-Friday, 8 a.m. to 6 p.m. to answer any questions. Call 1-888-840-2594.
Legal Assistance to the Elderly
Homeowners who’ve applied can check their application status in two ways:
- Online: Log into the application portal anytime to check the status of your application.
- Phone: Call the California Mortgage Relief Program at 1-888-840-2594, Monday-Friday, 8 a.m. to 6 p.m., for direct information about your application.
You will receive a confirmation when your application is submitted. We suggest homeowners check their email frequently in case any additional information is requested during the review process. Additional documentation can be uploaded through the application portal and if assistance is needed with uploading, the Contact Center is able to provide support and can be reached at 1-888-840-2594, Monday – Friday from 8 a.m. to 6 p.m. The Contact Center can also help answer any questions you may have about your application.
Homeowners who previously submitted applications should be aware there is no guarantee that all eligible applications will be funded due to limited available funds.
Senior Advocacy Network
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. You will be contacted once there is a change in your application status or if more information is needed.
In anticipation of the continuing need for housing assistance, the California Mortgage Relief Program has arranged for legal aid assistance through the June 2025, at no cost to the homeowner. Also, HUD-certified housing counselors support homeowners facing housing challenges. To find information about housing counselors, legal aid services and many other resources, visit our website at https://camortgagerelief.org/help/
Housing and Economic Rights Advocates
Whether they have a mortgage, a reverse mortgage, or are mortgage-free, the program is for California homeowners who meet the eligibility requirements. Homeowners may be eligible if they:
- Missed at least two payments on their primary mortgage and are currently past due; or
- Owe for unpaid property taxes (whether paid directly to their county or as part of your mortgage payment); or
- Are caught up on their mortgage but have a partial claim or loan deferral; or
- Have a reverse mortgage and owe their servicer for past due property tax and/or insurance.
All applicants must meet the following requirements:
- 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; and
- Experienced a pandemic-related financial hardship after Jan. 21, 2020 – either a loss of income or increase in household expenses.
Additional requirements will need to be met depending on the type of assistance needed. More information on eligibility requirements can be found on the Ai đủ điều kiện? page. For further questions regarding eligibility, the Contact Center is available Monday through Friday between the hours of 8 AM and 6 PM PST.
Legal Aid of Sonoma County
Funds for approved applications will go directly to the organization/entity who is owed funds, either a mortgage servicer or a county tax collector. Funds are never provided directly to applicants.
Open Door Legal
Income limits are determined by the U.S. Department of Housing and Urban Development. According to U.S. Treasury Guidance for the Homeowner Assistance Fund, a homeowner may be eligible for assistance if their household income is at or below 150% of their local county’s Area Median Income, or at or below 100% of the U.S. Median Income, whichever is greater.
Public Counsel
If your application for assistance was denied, you have up to 30 days after the denial to submit an appeal by filling out the questionnaire in the application portal. The appeals process can take time.
There is a questionnaire in the application portal that 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.
If you have questions about the reason for a denial or the appeals process in general, please call the Contact Center at 1-888-840-2594 between the hours of 8:00 a.m. – 6:00 p.m. PST, Monday-Friday.