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California Mortgage Relief Program


The Ring of Democracy is dedicated to helping families affected by the COVID-19 pandemic who had fallen behind on their mortgage and/or property tax payments get back on track.

As a partner assisting with the efforts of the California Mortgage Relief Program (CMRP), we at the Ring of Democracy can provide assistance to help you determine if you are eligible for the program, provide in-person or virtual application assistance, or answer questions you have about the program.

What is the California Mortgage Relief Program?

Homeowners who have fallen behind on making their mortgage payments may qualify for this state program that can help get you caught up! California homeowners can apply for assistance from the CMRP to pay for partial claim second mortgage or loan deferral, past-due mortgage payments, and/or past due reverse mortgage payments of up to $80,000 per household and past-due property tax of up to $80,000.

To qualify, you must:

  • Own and live in a single-family home, condo, permanently affixed manufactured home or property with up to four units; and

  • Meet income requirements; and

  • Be behind 2+ payments on your mortgage, reverse mortgage, partial claim/loan deferral as of March 1st, 2023; or

  • Be behind on 1+ property tax payments as of March 1st, 2023; or

  • Have a reverse mortgage and owe your servicer for past due property tax and/or insurance; and

  • Have been financially impacted by the COVID-19 pandemic


If you are eligible and need us to help with the application process and follow up on your application on your behalf until you get your case status, click the button below to schedule a navigator session with one of our navigators for in-person help in our Sacramento office (or virtual help - on Zoom)!


Do you or anyone you know in the Sacramento area need assistance filling out an application? If so, click here


Hello, my name is Kristina. I want to share my experience with The Ring of Democracy and CA mortgage Relief Program and the wonderful things they are doing to help homeowners like us who have fallen on hard times due to the pandemic. We  found ourselves facing the scary reality of losing our home where we have raised our kids.

When the pandemic hit we fell behind in payments and between other family issues and getting covid we fell further behind. While communicating with our mortgage we were told that we could defer our payments to the backend of our mortgage. When the pandemic was over our mortgage co. wanted us to pay all payments and late fees which of course we could not do. When my husband first told me about this program I was skeptical as it sounded too good to be true. After my husband who is not very IT savvy found himself struggling with the process he made contact with Cynthia at the Ring of Democracy who tried very patiently to help him. He still was struggling so she set us up  an appointment with Joanna Ruiz who helped us through the process, our application was submitted and the ladies took over as our advocates, following up on the progress of our application, communicating with our mortgage, relaying information to us and submitting any additional documents requested by our mortgage company.

These ladies were always so professional, polite, and patient. They are a godsend. Between them, Ring of Democracy and CA Mortgage Relief Program our home is saved, our payments are caught up. We will forever be grateful to them and can sleep again knowing we will not lose our home. I recommend this program to friends, family, and anyone who is in jeopardy of losing their home due to the pandemic or hardships related to the pandemic. - Kristina & Joe

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