National Mortgage Settlement Counseling Program

Governor Newsom's 2020-2021 budget directed CalHFA to use $300 million in National Mortgage Settlement (NMS) funds to provide HUD-certified housing counseling services to homeowners, former homeowners, or renters and to provide mortgage assistance to qualified California households. CalHFA announced that $50 million, of the $300 million, would be made available for its NMS Housing Counseling Program, which allows California residents who are in danger of eviction or foreclosure to receive free, confidential counseling services from a network of HUD-certified housing counselors throughout the state.


Program Details

Housing Counseling Agencies will receive $750 for a client’s first one-on-one personalized counseling session. An additional $750 will be allowed if the same client returns for a second one-on-one session or a more in-depth level of counseling is needed (i.e. loan modification assistance). The maximum per household limit is $1,500.

Intermediaries and Counseling Agencies also received a portion of their total grant allocation upfront to be used for oversight, program support and capacity building. The upfront investment into building capacity is designed to improve and extend the life of the counseling services by ensuring that agencies can modernize their technology to accommodate more virtual meetings, have adequate staffing with updated training to improve customer service and expand the availability of languages offered.

 

4,869
households served

80
active HCAs

$15.6M
funds distributed

510
active counselors

NOTE: Total funds distributed as of 3/31/2021. CalHFA is committed to transparency in reporting the allocation and use of NMS funds. This page will be updated quarterly with that information.

Who We're Helping

To help CalHFA ensure that assistance is equitable and effective, counseling agencies participating in the program are required to track demographic data, income levels, location and type of service needed for each client.

blue legend on donut chart Latino
blue legend on donut chart White
maroon legend on donut chart Black/African American
purple legend on donut chart Asian American/Pacific Islander
teal legend on donut chart American Indian/Alaskan Native
yellow legend on donut chart Other/Multiple Race
gray legend on donut chart Chose not to respond

blue legend on donut chart < 30% AMI
blue legend on donut chart 30-49% AMI
maroon legend on donut chart 50-79% AMI
purple legend on donut chart 80-100% AMI
teal legend on donut chart > 100% AMI
yellow legend on donut chart Chose not to respond

blue legend on donut chart Northern CA
blue legend on donut chart Southern CA
maroon legend on donut chart Central Valley/Bay Area

Types of Counseling Services Provided

There are several different types of counseling services offered by the Counseling Agencies for the homeless, renters, and homeowners.

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