How to apply for the California Mortgage Relief Program 2022-2023

How to apply for the California Mortgage Relief Program

Alex Padilla (U.S. Senator) wants more Californians to apply for the state’s new free mortgage relief program, he said in a virtual meeting with other state agencies.

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California has launched a mortgage relief program (How to apply for the California Mortgage Relief Program) providing free one-time payments to homeowners behind on their housing bills.

U.S. Senator Alex Padilla (D-CA) met virtually with the California Housing Finance Agency and the state’s Business, Consumer Services and Housing Agency on Tuesday to talk about more community engagement around the mortgage relief program.

Homeowners can receive up to $80,000 through the $1 billion program.

“With your help in spreading the word about this program you could help upwards of 20,000, 30,000 and maybe even 40,000 homeowners in California,” Padilla said

How to apply for the California Mortgage Relief Program

How you can apply

  • The mortgage relief program application page includes a short questionnaire —which when completed, takes you to the application. From there, you have up to 30 days to submit the application after starting, time set aside in case applicants need to collect documents and other requirements.
  • Documents needed include a mortgage statement, bank statements, utility bills and a form of income documentation (like paystubs or tax returns). Depending on your application, you may be asked to provide proof of a “work out option” denial.
  • If the applicant is in active bankruptcy, provide a letter from the servicer and trustee that can collect on the funds for past due mortgage payments.

Homeowners can apply through an online portal at

Who is eligible

Applicants must also meet at least one of the following requirements.

  1. Receive public assistance
  2. More than 40% of income goes to housing costs
  3. Have no alternative workout option through mortgage servicer

Homeowners with reverse mortgages falling behind on property tax or insurance can receive assistance through the program, as well.

If a homeowner is approved for the program, a direct payment will be sent to their bank or mortgage servicer, then the servicer will apply the payment and the homeowner will be relieved of the cost.

How to apply for the California Mortgage Relief Program

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