The Homeowners Assistance Fund (HAF) helps homeowners impacted by COVID-19 to catch up on their housing expenses. In California, the HAF program is called the California Mortgage Relief Program. The program provides money for past-due mortgage payments or property taxes that does not need to be paid back, including grants of up to $80,000 to reinstate delinquent mortgages and grants of up to $20,000 to cover delinquent property tax payments.
An updated fact sheet by Justice in Aging and the National Housing Law Project, More Older California Homeowners Can Get Help with Delinquent Mortgages and Property Taxes, provides new information for advocates to help their older adult clients access this critical assistance. Recent program expansions mean that mortgage and tax delinquency that was incurred as of March 1, 2023, and still owing can be covered, homeowners with up to four units are now eligible, and certain reverse mortgages and COVID-related deferrals are eligible for repayment. The revised fact sheet provides more information about who is eligible, how to apply, documents needed to complete the application, guidelines on re-applying for homeowners who were previously denied, and how homeowners can get help with the application process.