WHO IS ELIGIBLE

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.

Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.

Applicants who do not meet eligibility criteria should contact a HUD-certified housing counselor to explore other options that may be available. 点击此处 to find a HUD-certified housing counselor near you.

NEW: The California Mortgage Relief Program has expanded to provide assistance with COVID-related loan deferrals or partial claim second mortgages.

Available Funding

Program Eligibility

Required Documents

Available Funding

* Maximum assistance per household: $80,000

* Multiple assistance types allowed

MORTGAGE

RELIEF

Up to $80,000 for past-due mortgage payments

PARTIAL CLAIM/

LOAN DEFERRAL

Up to $80,000 to reduce or eliminate a COVID-related partial claim second mortgage or loan deferral
More Information

PROPERTY

TAXES

Up to $20,000 for delinquent property taxes

REVERSE

MORTGAGE

Up to $80,000 to help with late taxes and homewners insurance for reverse mortgages

Program Eligibility

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Applicants who do not meet the criteria below should contact a HUD-certified housing counselor to explore other options that may be available.

要求

房贷救济

房产税

反向抵押贷款

部分索赔/贷款延期

基本要求

MR

PT

RM

PC/LD

只要符合资格要求,有多项资助奖励/申请在等待给予您可高达 8 万美元的协助 X X X X
必须在 2020 年 1 月 21 日之后面临与流行病相关的经济困难 *该证明必须描述经济困难的性质。
X X X X
对于抵押贷款减免,房主的抵押贷款/贷款服务机构必须参与加州抵押贷款减免计划。可以在 here.
X X X
减少或消除与 COVID 相关的部分索赔二次抵押贷款和贷款延期(2020 年 1 月期间或之后收到) X X

财务

MR

PT

RM

PC/LD

18 岁及以上居民的家庭总收入必须等于或低于 AMI 的 150%(按郡) 点击此处 查询您的 AMI。 X X X X
房主手头的现金或资产(不包括退休账户中的储蓄)不能等于或大于所需的救济资金 + 20,000 美元。 * X X X X
房主的主要抵押贷款在发起时的未付本金余额,不能超过发起时有效的“合格贷款限额”(根据 2008 年《住房和经济复苏法》的规定确定)。
X X X

Property

MR

PT

RM

PC/LD

目前必须在加州拥有并占住该房产作为主要住所。 X X X X
物业最多可包括 4 个单位 X X X X

贷款拖欠

MR

PT

RM

PC/LD

须在 2023 年 3 月 1 日之前至少错过 2 次付款,并且目前仍然拖欠 X
Must have missed at least 1 payment by March 1, 2023. X

Required Documents

Depending on their unique circumstances, some applicants will have to provide different kinds of information. A sample list of documents to gather before completing the application includes:

      • Mortgage Statement
      • Bank Statement
      • Utility Bill
      • Income documentation (i.e. pay stubs, tax returns, or unemployment document)