California Mortage Relief Program and HOA Delinquencies

Hi Dan,

The California Mortgage Relief Program is mainly geared toward mortgage relief, delinquent property tax assistance, partial claim/loan deferral, and reverse mortgages. It also has certain eligibility requirements, such as:

• Household income is at or below the county income limit (150% of their county’s Area Median Income, based on federal limits set for this program);
• Own and live in a single-family home, condo, permanently affixed manufactured home or property with up to four units; and
• Experienced a pandemic-related financial hardship after Jan. 21, 2020 – either a loss of income or increase in household expenses.

The website also has several other eligibility requirements depending on the claim. You may still try to apply if you meet the requirements. Alternatively, you may request a payment plan from your HOA. For further assistance, kindly consult a lawyer.