California Mortgage Relief Program Now Accepting Applications
California homeowners who have fallen behind on their housing payments due to pandemic-related financial hardship can now apply for a grant from the state to repay missed mortgage payments or reverse mortgage arrearages during the COVID-19 pandemic. Information on eligibility requirements and how to apply are now available at CaMortgageRelief.org.
Past due housing payments will be covered in full – up to a maximum of $80,000 per household – with a direct payment to the homeowner’s mortgage servicer. Funding is provided as a one-time grant and the funds do not need to be repaid.
Applicants are required to upload various documents to determine eligibility, including mortgage statements, bank statements, utility bills, and income documentation (i.e. paystubs, tax returns, or unemployment documents). In certain situations, additional information may be required.
Eligible applicants must be at or below 100% of their county’s Area Median Income, own a single-family home, condo or permanently affixed manufactured home and have faced a pandemic-related financial hardship between January 21, 2020, and December 27, 2021, and also meet at least one of the following qualifications:
- Receiving public assistance;
- Severely housing burdened; or
- Have no alternative mortgage workout options through your mortgage servicer.
100% of the Area Median Income (AMI) for Contra Costa County
- For a household size of 1 is $95,900
- For a household size of 2 is $109,600
- For a household size of 4 is $137,000
California is receiving $1 billion in mortgage relief funds from the American Rescue Plan Act’s Homeowner Assistance Fund. The California Mortgage Relief Program is being provided to homeowners through the CalHFA Homeowner Relief Corporation as part of the state’s Housing is Key initiative.
Additional information and links to other sources of financial help can be found at the program’s website in multiple languages:
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