Mortgage Relief Resources

On Jan. 18, Governor Newsom announced that the state has worked with major lenders to offer mortgage relief to LA firestorm victims. As of Jan. 30, the Department of Financial Protection and Innovation (DFPI) has confirmed additional commitments from more than 400 financial institutions.

The lenders have committed to offering:

• 90-day mortgage payment forbearance periods, streamlined processes for requesting initial relief without submitting forms or documents, payment options that do not require immediate repayment of unpaid amounts (i.e., no balloon payments) at the end of the forbearance period, and the opportunity for additional relief.
• Relief from mortgage-related late fees accruing during the forbearance period for 90 days.
• Protection from new foreclosures or evictions for at least 60 days.
• Institutions will not report late payments of forborne amounts to credit agencies.

The relief is available to qualified residents who are customers of these institutions in Los Angeles County.

Borrowers must contact their mortgage servicer to get relief

If you are having trouble making mortgage payments, always reach out to your mortgage lender or servicer to request relief, even if it is not listed below.

The following federally chartered institutions have committed to offering relief: Bank of America, Citi, JPMorgan Chase, U.S. Bank, Wells Fargo, and BMO Bank.

In addition, more than 400 institutions listed below have committed to offering relief.

Lenders & Servicers Committed to Offering Relief

Download the list (Excel) | Last updated 2/5/2025

DFPI licensees: Please email [email protected] to join the relief effort.

Need help with your lender or servicer?

If you are having issues with your mortgage lender or servicer, please contact the DFPI’s Consumer Services Office at (866) 275-2677 or submit a complaint online.

Additional Federal Resources

Fannie Mae Disaster Relief. Homeowners may be eligible for reduced or suspended mortgage payments for up to 12 months if they are impacted by a disaster. Homeowners and renters may call 855-HERE2HELP (855-437-3243) to access Fannie Mae’s disaster recovery counseling or visit the Fannie Mae website for more information. 

Freddie Mac Disaster Relief. If your home loan is owned by Freddie Mac, you may be eligible for relief for up to 12 months without incurring late fees or penalties. Find more information on Freddie Mac relief programs. 

Help for Anyone with Mortgage Issues. U.S. Department of Housing and Urban Development (HUD)-certified housing counselors can discuss options on difficulty paying your mortgage. Find a housing counselor. 

Not sure who owns your loan? You can use these website tools to find out if your loan is owned by Fannie Mae or Freddie Mac: Freddie Mac Look Up | Fannie Mae Look Up. You likely know if you have an FHA or VA loan, but if not, you can contact your mortgage servicer to ask.