California Mortgage Relief Program

California Housing Finance Agency

Available Emergency Repair

About This Program

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

Provides financial assistance to homeowners who experienced COVID-19-related hardship and are behind on mortgage payments or property taxes. Funds can cover past-due payments, reinstatement, or principal reduction.

Assistance amount based on arrears and household income

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

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

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

Key Details

  • Up to $80,000 for mortgage payment assistance
  • Must have experienced COVID-19 financial hardship
  • Income at or below 150% AMI
  • Covers past-due payments and reinstatement
  • Does not require repayment

How to Apply

Get free help applying Visit Official Program Page Track this program

(888) 840-2594

A grant-savvy contractor in Los Altos, 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 Los Altos early keeps your application moving.

Get matched with a contractor

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 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 Los Altos, CA?

Up to $80,000 mortgage assistance.

Who qualifies for California Mortgage Relief Program in Los Altos?

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

How do I apply for California Mortgage Relief Program in Los Altos, 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.

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