The California Mortgage Relief Program is broadening eligibility for the program by now covering past-due property taxes for more homeowners, expanding the income eligibility and modifying the past-due requirement to include homeowners who missed payments in 2022.
How is eligibility changing?
- Prior to the eligibility change, program criteria required homeowners to miss at least two payments prior to program launch, December 27, 2021. By modifying the past due requirement, homeowners who missed at least two payments before June 30, 2022, and are currently delinquent, may be eligible for reimbursement for missed housing payments up to $80,000.
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The program has also adjusted the income threshold for program qualification. Homeowners are now eligible for assistance from the program if their household income is at or below 150% of their county’s Area Median Income (based on federal limits established by HUD for the program).
- Previously, property taxes were covered as part of a complete reinstatement for homeowners who were also behind on their mortgage, and for reverse mortgage holders. Now, assistance with past-due property taxes will extend to mortgage-free homeowners and those whose mortgage payments are current. Eligible homeowners can receive up to $20,000 to cover past-due property tax payments. Homeowners must have missed at least one payment prior to May 31, 2022.
Applicants who were previously deemed ineligible have been notified of the program expansions and anyone who believes they meet the new criteria is encouraged to reapply.
To ensure homeowners are aware of the program expansions, the California Mortgage Relief Program has developed a new program toolkit. The toolkit is available in several languages and contains a program overview, FAQs, fact sheet and social media posts with sample copy. Download the toolkit by visiting CaMortgageRelief.org/partner-resources and help us spread the word.
