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 Feb. 19, the Department of Financial Protection and Innovation (DFPI) has confirmed additional commitments from more than 420 financial institutions.

On September 22, 2025, Governor Newsom signed into law AB 238, which extends the mortgage forbearance up to 12 months. This bill deepens homeowner protections by expanding relief and creating enforceable legal requirements.

On October 22, 2025, CalAssist has increased its income limits, which allow thousands more homeowners to qualify for relief. Read more.

CalAssist Mortgage Fund

CalAssist Mortgage Fund is a state program that provides much-needed relief from mortgage payments for displaced families whose homes were destroyed or left uninhabitable by a California disaster such as the Los Angeles wildfires or floods.

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 420 institutions listed below have committed* to offering relief.

The lenders have committed to offering:

• 12-month 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 12 months.
• Protection from new foreclosures or evictions during the period of forbearance.
• 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.

*Please note, some mortgages, even those lent or serviced by a listed institution, may be contractually barred from providing the offered relief. You can find resources for other mortgage relief options in the Additional Mortgage Resources section below.

Lenders & Servicers Committed to Offering Relief

Download the list (Excel) | Last updated 2/19/2025

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 Mortgage 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.

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.

Help for Anyone with Mortgage Issues. If you are having difficulty paying your mortgage, a LA Co. Department of Consumer and Business Affairs’ foreclosure prevention expert or a U.S. Department of Housing and Urban Development (HUD)-certified housing counselor can discuss other mortgage relief options with you.

If you would like more information on legal resources, you may visit the California Courts’ website Foreclosure and Mortgage Help Self-Help Guide.

If you would like additional self-help materials relating to mortgages:

• The LA Co. Department of Consumer and Business Affairs has a Saving Your Home information hub page
• The Department of Real Estate has many publications in its digital library, including FAQs in A Consumer Guide to Mortgage-Related Complaints,
• The National Consumer Law Center is a non-profit with a number of publications available for post-disaster law, including Twelve Tips for Homeowners After Natural Disasters. and legal treatise content on Homeowner Rights after a Natural Disaster and Unfair and Deceptive Practices in Emergency Situations.
• The Disaster Legal Assistance Collaborative, a statewide alliance of private, public, and nonprofit organizations dedicated to providing information and free legal assistance to communities impacted by disasters throughout California has 2025 Disaster Legal Resources, including a detailed Housing FAQs.
• United Policyholders is a non-profit with extensive information and self-help resources relevant to homeowners with mortgages, but their information and professional help referrals have not been vetted and are not endorsed by our agency.