Housing Resources
California Mortgage Relief
Mortgage assistance is being offered through the State of California Housing is Key Initiative. The California Mortgage Relief Program uses federal Homeowner Assistance Funds to help homeowners get caught up on housing payments. This program is free and funds do not have to be paid back.
- Open to all eligible Californians who are experiencing pandemic-related hardships and have fallen behind on housing payments.
- Faced a pandemic-related financial hardship after January 21, 2020, and at least one of the following:
- Receiving public assistance;
- Severely housing burdened; or
- Have no alternative mortgage workout options through your mortgage servicer.
- Must be at or below 100% of San Joaquin County’s Area Median (Household) Income, own a single-family home, condo, or permanently affixed manufactured home. (See table below)
To learn more about eligibility, program requirements, and other qualifications, or fill out an application, please visit the Housing is Key website or call 1-800-569-4287.
Household Area Median Income (AMI)
San Joaquin County - Effective December 31, 2021
|
Household Size (Number of Persons to Reside in Home) |
San Joaquin County Household Median Income Maximum Allowable Gross Annual Income (Per Household) |
||||
| 100% to 120% of AMI | 50% to 80% of AMI | 30% to 50% of AMI | 15% to 30% of AMI | 0% to 15% of AMI | |
| 1 | $63,000 | $52,500 | $26,250 | $15,750 | $7,850 |
| 2 | $72,000 | $60,000 | $30,000 | $18,000 | $9,000 |
| 3 | $81,000 | $67,500 | $33,750 | $21,960 | $10,150 |
| 4 | $90,000 | $75,000 | $37,500 | $26,500 | $11,250 |
| 5 | $97,200 | $81,000 | $40,500 | $31,040 | $12,150 |
|
6 |
$104,400 | $87,000 | $43,500 | $35,580 | $13,050 |
| 7 | $111,600 | $93,000 | $46,500 | $40,120 | $13,950 |
| 8 | $118,800 | $99,000 | $49,500 | $44,660 | $14,850 |
Additional Resources
Contact the following agencies for additional resources:
- AB 1482 – FAQs on the Tenant Protection Act of 2019, which provides rent increase caps
- Housing is Key – California Department of Real Estate website for tenant and landlord resources
- San Joaquin 2-1-1 – Get connected
- Second Harvest Food Pantry Referrals – List of food pantries for food assistance
- Financial Assistance – State of California financial assistance programs
- California Public Utilities Commission – Learn what utility assistance programs are available.
- Covered California – Resources to get information and apply for low- or no-cost health insurance.
- California Department of Public Health
- Centers for Disease Control and Prevention
Foreclosure Prevention Information
Foreclosure is a legal process by which the lender or the seller of a property forces the sale of a mortgaged property because the borrower has not made payments or met the terms of the mortgage. A foreclosure can also be defined as a repossession of the property by the lender.
The City of Stockton is concerned that too often, individuals purchase a home without sufficient consideration or understanding of their loan agreements and mortgage responsibilities.
Therefore, we are expanding our efforts to educate the public on the dangers of predatory lending, the importance of maintaining a household budget, and the alternatives to foreclosure.
Foreclosure Prevention Tips
- Don't hide or ignore the situation.
- Contact your lender as soon as you know you're going to miss a payment.
- Know what options are available to you. There are many options besides foreclosure.
- Stay in your home and find out if you qualify for other assistance.
- Contact a non-profit housing counselor to review your situation.
- Don't sign anything you don't understand.
- Beware of Predatory Lending.
- If you have to sell your home, do a background credit check on your buyer.
- Develop and maintain a household budget.
- Understand your credit and how to use it wisely. A foreclosure notice can lower your credit score for up to 7 years.
Reporting Mortgage Fraud
If you suspect that you have been a victim of mortgage fraud or are aware of a possible scam, you can report it by calling the Mortgage Fraud Hotline, 1-800-4FRAUD8 (1-800-437-2838). You can also contact the California Attorney General's office at 1-916-445-9555.
Lenders and Agencies
The first step to owning a home or protecting your investment is becoming informed of your options and alternatives. Please take a moment to look through the Housing Division's resource listings.
Lenders
- All American Mortgage - (209) 579-3600
- Bank of America - (800) 846-2222
- California Housing Finance Agency (CalHFA) - (800) 669-1079
- Chase Home Finance - (800) 848-9316
- Citimortgage - (800) 374-8814
- HSBC Mortgage Corporation - (800) 338-6441
- Wells Fargo Mortgage - (800) 766-0987
Agencies
- California Rural Legal Assistance - (209) 946-0605
- Clearpoint Credit Counseling Solutions - (800) 750-2227
- National Foreclosure Hotline - (888) 995-HOPE
- NID-HCA - (209) 952-8806
- Sacramento Neighborhood Housing Services, Inc. - (209) 473-4363
- Visionary Home Builders of California - (209) 466-6811
-
US Department of Housing and Urban Development (HUD) - (800) 569-4287
Other Housing Related Agencies
- Housing Authority of San Joaquin County - (209) 460-5000
- San Joaquin Fair Housing Association - (209) 451-3471
- Women's Center of San Joaquin County - (209) 941-2611
- SJC Neighborhood Preservation Office - (209) 468-3021
- Stockton Shelter for the Homeless - (209) 466-2605
External Links
California Rural Legal Assistance
Clearpoint Credit Counseling Solutions
Visionary Home Builders of California
US Department of Housing and Urban Development (HUD)
Housing Authority of San Joaquin County
San Joaquin Fair Housing Association
Women's Center Youth and Family Services
This City of Stockton web page last reviewed on --- 4/27/2023