california mortgage relief program
The California Mortgage Relief Program is helping homeowners facing a COVID-related financial hardship get caught up on past-due mortgage, reverse mortgage and property tax payments, and helping to reduce or eliminate partial claim second mortgages and loan deferrals. Contact housing@ocapica.org for help.
Whether they have a mortgage, a reverse mortgage, or are mortgage-free, the program is open to all California homeowners who meet the eligibility requirements. Homeowners may be eligible if they:
All applicants must meet the following requirements:
More information can be found at camortgagerelief.org/ The website is available in Spanish, Tagalog, Korean, Chinese (Simplified), and Vietnamese.
- Homeowners who missed at least two mortgage payments OR at least one property tax payment prior to March 1, 2023
- Owe for unpaid property taxes (whether paid directly to their county or as part of your mortgage payment)
- Have a reverse mortgage and owe their servicer for past due property tax and/or insurance; or
- Californians who own and occupy properties up to 4 units (must be primary residence and own only 1 property)
- Homeowners who took partial claim second mortgages or loan deferrals during or after January 2020
- Californians who previously received funding through the program may be eligible for additional assistance up to a total of $80,000.
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.
More information can be found at camortgagerelief.org/ The website is available in Spanish, Tagalog, Korean, Chinese (Simplified), and Vietnamese.