Mortgage Payment Assistance

The Mortgage Relief Program 2.0 has been developed in partnership with the LA County Board of Supervisors, Neighborhood Housing Services of Los Angeles County, and the Department of Consumer & Business Affairs. This program will provide mortgage relief to L.A. County property owners of 1-4 unit properties. This program will provide foreclosure counseling and mortgage relief to L.A. County property owners.

 If the property owner has experienced financial distress between March 1, 2020 and March 31, 2023 as a result of COVID-19 and the property is located in a community highly impacted by COVID-19, they should consider applying for mortgage relief.

  Approved applicants can receive up to $30,000 to help offset mortgage delinquencies and utility costs.

  Program Eligibility Includes:

-Experienced financial distress due to COVID-19 between March 1, 2020 through March 31, 2023

-In high or highest-needs census tracts (click here to determine: https://lacounty.maps.arcgis.com/apps/dashboards/264f62ccedcb48c9a1f358eeb643ea14)

-Have not received assistance from the State’s COVID-19 Rent Relief or Mortgage Relief programs

-Have rental properties consisting of 1 to 4 units (Property owner is not required to live in any of the units)

-Property is not located in the City of Los Angeles

-Holds ownership of these properties as sole owner, husband and wife, tenants in common, joint tenancy, living trusts or LLC (so long as no member is a corporation);

-Have owned the property for 12 months before the declared state of emergency in March 2020

-Property owner income of up to 120% AMI

-Have a loan balance not to exceed $1,000,000

-Housing cost burden up to 60%

-Have rental/utility debt owed by tenants as a result of a COVID-19 economic hardship such as Loss of employment or reduction of work hours

 *If you are a resident of the City of Los Angeles, you will not be eligible for mortgage relief funding. Please visit https://nhslacounty.org/wp-content/uploads/2021/04/Communities-in-LA.pdf to see if you are located in the City of Los Angeles. This does not exclude you from receiving free foreclosure prevention counseling.