California Mortgage Relief Program

California Housing Finance Agency

Available Home Repair

About This Program

California Mortgage Relief Program is available to homeowners in Goleta, CA.

Mortgage assistance for California homeowners who experienced pandemic-related financial hardship. Provides relief for missed mortgage payments, homeowner association fees, property taxes, and insurance. No repayment required if you remain in home for 3 years.

Forgivable assistance if homeowner remains in property 3 years

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Goleta, CA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $80,000 for past-due mortgage payments
  • Covers HOA fees, property taxes, insurance
  • For homeowners with COVID-related hardship
  • Income at or below 150% area median income
  • Forgiven if you stay in home 3 years

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 840-2594

A grant-savvy contractor in Goleta, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Goleta early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

The California Mortgage Relief Program was a one-time federal Homeowner Assistance Fund grant run by the California Housing Finance Agency that covered past-due mortgage and property tax payments for homeowners hit by pandemic hardship. The program has ended and is no longer accepting applications or offering grants, so there is no current homeowner application form.

Steps to apply

  1. The program is closed. You can confirm this on the official site camortgagerelief.org, which states it is no longer accepting applications and no longer offering grants.
  2. If you are behind on your mortgage now, contact a free HUD-certified housing counselor through the Consumer Financial Protection Bureau at consumerfinance.gov/find-a-housing-counselor or call 1-855-411-2372.
  3. If your California home was destroyed or made uninhabitable by a qualified disaster, check the separate CalAssist Mortgage Fund, which is currently open. Apply online at calassistmortgagefund.org or see calhfa.ca.gov/CalAssist.
  4. Contact your loan servicer directly to ask about forbearance, a repayment plan, or a loan modification.
Get the official form

Documents you will likely need

  • Not applicable. This program is closed and no longer accepts applications.
  • If working with a HUD housing counselor: a recent mortgage statement
  • Recent income documentation such as pay stubs or tax returns
  • Recent bank statements
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted through December 31, 2025, or until funds exhausted

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can California Mortgage Relief Program provide in Goleta, CA?

Up to $80,000 assistance.

Who qualifies for California Mortgage Relief Program in Goleta?

California Mortgage Relief Program is open to homeowners in Goleta, CA.

How do I apply for California Mortgage Relief Program in Goleta, CA?

Apply directly with California Housing Finance Agency using the official program link on this page or call (888) 840-2594. There is no middleman and no fee. Deadline: Applications accepted through December 31, 2025, or until funds exhausted.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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Find More Programs in Goleta, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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