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 $20,000.
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 as of June 30, 2022; or
-Be behind on 1+ property tax payments as of May 31, 2022; 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
Our Outreach initiatives and Navigator assistance for the California Mortgage Relief Program provide in-depth information & support for those in dire need.
Do you need or know anyone in the Sacramento area who needs information or assistance filling out an application? Click here.