Nearly half a billion dollars in mortgage relief is still available in California. Here’s who qualifies

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​The California Mortgage Relief Program offers up to $80,000 in assistance to residents within specific income limits who have missed at least two mortgage payments or have overdue property taxes.
At the end of July, the delinquency cutoff date for missed payments was expanded from March 1 to Aug. 1, 2023.

“We understand many homeowners are still grappling with the financial impact of the COVID-19 pandemic,” said Rebecca Franklin, president of the CalHFA Homeowner Relief Corp., in a statement. “Resetting the delinquency date means more families can now qualify for our program.”
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But due to limited outreach efforts, the program has gone somewhat under the radar, officials and advocates acknowledge. They say they are trying to get the word out to the many struggling homeowners who may benefit. 

They add that because of requirements including mortgage type and size, qualifying for the money can be more difficult in the Bay Area — one of the most expensive housing markets in the country. And even for those who may qualify, the application process can be daunting, advocates say.
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Here’s a look at the program and advice from officials and advocates on how to find out if you qualify, how to apply, and what to do if at first you don’t succeed.

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