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Mortgage Relief Assistance

Resources to Help Avoid Foreclosure

If you are a homeowner facing financial hardship and are having trouble keeping up with your mortgage payments, the following resources may help you to get back on track.

The California Mortgage Relief Program has already provided millions of dollars in critical assistance to thousands of California homeowners struggling with financial hardships. This government program is free, and here to help. There is nothing to pay back.

If you’ve struggled with missed mortgage payments, late property taxes, loan deferrals, partial claim second mortgages, or other homeowner financial hardships, you may qualify for assistance from the California Mortgage Relief Program.

Applicants must meet the eligibility criteria outlined below in order to qualify for program assistance. Additional details can be found in the U.S. Treasury- approved term sheets.

Households are allowed to apply for additional assistance, even if they already received funding, up to a maximum of $80,000 in total assistance. Applicants must meet all other requirements when submitting a new application. Only one active application may be in process at a time.

Applicants who do not meet eligibility criteria should contact a HUD-certified housing counselor to explore other options that may be available. Click here to find a HUD-certified housing counselor near you.

NEW: The California Mortgage Relief Program has expanded to provide assistance with COVID-related loan deferrals or partial claim second mortgages.


First Northern Bank Mortgage Loan Department Contact Information

Person-to-person customer service is available during regular business hours Monday through Friday from 8 am until 5 pm by calling (707) 678-0226 or toll-free at (800) 682-8648.

Department of Housing and Urban Development (HUD)

You may also contact HUD to find a HUD-certified housing counseling agency by calling the toll-free number (800) 569-4287. Additional information may be found at

Be on the Lookout for Mortgage Relief Scams

There has been an increase in bad actors attempting to carry out mortgage relief fraud. Read more about mortgage scams.   

Find Out About the CA Mortgage Relief Program

Falling behind on your housing payments? You are not alone. Help is here for California homeowners. Learn more

Get Free Counseling To Help With Broader Financial Challenges You May Be Facing

If you would like information on how to deal with any broader financial challenges you may be facing, reach out to a local HUD-approved, non-profit housing counseling agency. To find an agency near you, go to or call 1 (800) 569-4287 (TDD 1-800-877-8339). They can provide free assistance that includes financial education and mortgage help services.

Be sure you avoid anyone who asks for a fee for counseling or a loan modification or asks you to sign over the deed to your home, or to make your mortgage payments to anyone other than First Northern Bank.

Consumer Financial Protection Bureau (CFPB) Website to Educate Struggling Mortgage Borrowers

The CFPB maintains a website for mortgage borrowers and renters struggling from the pandemic.  Find information on additional resources to help you in your particular situation. Learn more.