2025 Los Angeles Fires - DFPI
Source: https://dfpi.ca.gov/lafires
Archived: 2026-04-23 17:21
2025 Los Angeles Fires - DFPI
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2025 Los Angeles Fires
Help and info for people affected by the wildfires
Updated:
April 9, 2026
Latest News: Stronger Mortgage Relief Now in Effect
On January 6, 2026, Governor Newsom
announced additional relief
from major national lenders to offer additional forbearance of up to 90 days to LA fire survivors, subject to investor approval and consistent with the terms of the Governor’s
January 2025 agreement
. Bank of America is now offering qualifying customers up to 2 additional years of forbearance, beyond the initial 12-month period, for those who plan to rebuild their home.
The DFPI has now secured agreements of additional forbearance of up to 90 days from approximately 160 institutions that have renewed their commitment to extend relief to those still recovering from the devastating fires.
In addition, Governor Newsom
announced a major expansion
of the state’s CalAssist mortgage relief program.
View the 2026 list of Lenders & Servicers committed to providing additional relief.
Download the 2026 list
(Excel) | Last updated 3/9/2026
DFPI licensees: Please email
[email protected]
to join the relief effort.
Company Name
Type of Institution
A&D Mortgage LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Advisors Mortgage Group LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
American First Credit Union
Credit Union
American Internet Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
American Riviera Bank
Bank
Arrowhead Federal Credit Union
Credit Union
Aurora Financial Group, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Balboa Thrift and Loan Association
Bank
Banc of California
Bank
Bank of the Sierra
Bank
Bay Federal Credit Union
Credit Union
Beneficial State Bank
Bank
BluPeak Credit Union
Credit Union
BMO Bank
Bank
Bungalow Funding, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Cabrillo Credit Union
Credit Union
California Business Bank
Bank
California Coast Credit Union
Credit Union
CALIFORNIA LITHUANIAN CREDIT UNION
Credit Union
CalPrivate Bank
Bank
Carrington Mortgage Services, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Castle & Cooke Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Cathay Bank
Bank
Center City Community Credit Union
Credit Union
Citadel Servicing Corporation dba Acra Lending
Mortgage Lenders and Servicers (CRMLA & CFL)
Citi
Bank
Click n' Close, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
CMG Mortgage
Mortgage Lenders and Servicers (CRMLA & CFL)
Coast Central Credit Union
Credit Union
Community Commerce Bank
Bank
Community First Credit Union
Credit Union
Community West Bank
Bank
Compass Community Credit Union
Credit Union
Credit Union of Southern California
Credit Union
CTBC Bank USA, Inc.
Bank
Cypress Loan Servicing LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Data Mortgage, Inc dba Essex Mortgage
Mortgage Lenders and Servicers (CRMLA & CFL)
DHI Mortgage Company, Ltd., L.P.
Mortgage Lenders and Servicers (CRMLA & CFL)
Dolan Gaddi Lending Inc
Mortgage Lenders and Servicers (CRMLA & CFL)
East West Bank
Bank
Educational Employees Credit Union
Credit Union
El Monte Community Credit Union
Credit Union
EverTrust Bank
Bank
Excite Credit Union
Credit Union
Farmers & Merchants Bank of Central California
Bank
Fay Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Figure Lending LLC.
Mortgage Lenders and Servicers (CRMLA & CFL)
Financial Partners Credit Union
Credit Union
First Commercial Bank (USA)
Bank
First Entertainment Credit Union
Credit Union
First Foundation Bank
Bank
First General Bank
Bank
First Pacific Bank
Bank
FIRST STANDARD FINANCIAL CORP.
Mortgage Lenders and Servicers (CRMLA & CFL)
FirstKey Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Franklin Credit Management Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Freedom Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Fresno Police Department Credit Union
Credit Union
Frontwave Credit Union
Credit Union
Generations Home Loans, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
GITSIT Solutions, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Goldman Sachs Lending Partners LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Hanmi Bank
Bank
HCN Bank
Bank
HEM
Mortgage Lenders and Servicers (CRMLA & CFL)
Herzer Financial
Mortgage Lenders and Servicers (CRMLA & CFL)
HomeLight Home Loans, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
JP Morgan Chase
Bank
JTF Rose, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Keswick Financial Group, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Kwik Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Lakeview Community Capital, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Lakeview Loan Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
LBS Financial Credit Union
Credit Union
Legacy Bank
Bank
LendSure Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Lennar Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
LoanCare, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Luxury Mortgage Corp.
Mortgage Lenders and Servicers (CRMLA & CFL)
Marlin Mortgage Capital, LLC and Sailfish Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Mechanics Bank
Bank
MLD Mortgage Inc dba The Money Store
Mortgage Lenders and Servicers (CRMLA & CFL)
Montecito Bank & Trust
Bank
Monterey County Bank
Bank
Monterra Credit Union
Credit Union
Moria Development, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Lenders Investment Trading Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Research Center, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Solutions of Colorado DBA MSF Servicing
Mortgage Lenders and Servicers (CRMLA & CFL)
Murphy Bank
Bank
Nations Direct Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nationstar Mortgage LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
New American Funding, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nexus Nova LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nikkei Credit Union
Credit Union
Northpoint Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Organized Labor Credit Union
Credit Union
Pacific Alliance Bank
Bank
Pacific Service Credit Union
Credit Union
Paramount Residential Mortgage Group, Inc (PRMG)
Mortgage Lenders and Servicers (CRMLA & CFL)
Partners Bank of California
Bank
Partners Federal Credit Union
Credit Union
Patelco Credit Union
Credit Union
PCB Bank
Bank
PennyMac Corp.
Mortgage Lenders and Servicers (CRMLA & CFL)
PennyMac Loan Services, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Planet Home Lending, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Plaza Home Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
PrimeLending, A Plains Capital Company
Mortgage Lenders and Servicers (CRMLA & CFL)
Priority One Credit Union
Credit Union
Proper Rate, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Prosper Marketplace, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Provident Credit Union
Credit Union
Redwood Credit Union
Credit Union
Reliance First Capital, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Resource Financial Services, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Rise Credit Union
Credit Union
Rolling F Credit Union
Credit Union
Royal Pacific Funding Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
RWM Home Loans
Mortgage Lenders and Servicers (CRMLA & CFL)
Sacramento Credit Union
Credit Union
SAFE Credit Union
Credit Union
San Diego County Credit Union
Credit Union
San Francisco Fire Credit Union
Credit Union
Savings Bank of Mendocino County
Bank
SchoolsFirst Federal Credit Union
Credit Union
Select Portfolio Servicing, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
ServiceMac, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Servion, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SESLOC Credit Union
Credit Union
Sierra Central Credit Union
Credit Union
Sierra Pacific Mortgage Company, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Silver Hill Capital
Mortgage Lenders and Servicers (CRMLA & CFL)
Sirva Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SLO Credit Union
Credit Union
SMBC MANUBANK
Bank
Snapfi, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Southland Credit Union
Credit Union
Star One Credit Union
Credit Union
Sun West Mortgage Company, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SWBC Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Technicolor FCU
Credit Union
Technology Credit Union
Credit Union
The Police Credit Union of California
Credit Union
Travis Credit Union
Credit Union
Tri Counties Bank
Bank
Triad Financial Services
Mortgage Lenders and Servicers (CRMLA & CFL)
UMe Credit Union
Credit Union
UNITED ASSOCIATION CU
Credit Union
United Business Bank
Bank
United Legacy, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
United Pacific Bank
Bank
UNITED WHOLESALE MORTGAGE
Mortgage Lenders and Servicers (CRMLA & CFL)
Upward Credit Union
Credit Union
US Bank
Bank
US Mortgage Coporation
Mortgage Lenders and Servicers (CRMLA & CFL)
USC Credit Union
Credit Union
Valley First Credit Union
Credit Union
Valley Oak Credit Union
Credit Union
Valley Strong Credit Union
Credit Union
Valon Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Ventura County CU
Credit Union
Wells Fargo
Bank
Wescom Central Credit Union
Credit Union
Wheelhouse Credit Union
Credit Union
California Law: Assembly Bill 238
On September 22, 2025, Governor Newsom signed into law
AB 238
, which requires a mortgage lender or servicer to provide up to 12 months of mortgage forbearance to a borrower experiencing financial hardship due to the wildfire disaster. This bill deepens homeowner protections by expanding relief and creating enforceable legal requirements.
AB 238 Key Provisions
An initial 90-day mortgage payment forbearance period subject to extension in 90-day increments up to a maximum of 12 months. This allows the lender to work out a suitable repayment plan with the borrower.
Prohibitions on mortgage lender or servicer from requiring a lump sum or “balloon” payments, if the mortgage was current on the residential mortgage loan when the borrower entered forbearance.
No late fees or charging a default rate of interest during the forbearance period.
No initiations of foreclosures or evictions if the borrower is performing according to the terms of the forbearance agreement.
No reporting to credit agencies that the mortgage is in forbearance, or furnishing information during the forbearance period indicating that the payments are in forbearance.
AB 238 also clarified that mortgage servicers are not required to take actions that would require the mortgage lender or servicer to breach the terms of an existing contract with the investor that owns the residential mortgage loan.
AB 238 builds upon
the 2025 announcement
that the state has worked with major lenders to offer mortgage relief to LA firestorm victims. The following federally chartered institutions committed to offering relief: Bank of America, Citi, JPMorgan Chase, U.S. Bank, Wells Fargo, and BMO Bank. In addition, the DFPI confirmed additional commitments from more than 420 financial institutions.
Download the 2025 list of financial institutions
(Excel).
Information for Homeowners & Renters
Fannie Mae Disaster Relief.
Homeowners may be eligible for reduced or suspended mortgage payments for up to 12 months if they are impacted by a disaster. Homeowners and renters may call 855-HERE2HELP (855-437-3243) to access Fannie Mae’s disaster recovery counseling or visit the
Fannie Mae website
for more information.
Freddie Mac Disaster Relief.
If your home loan is owned by Freddie Mac, you may be eligible for relief for up to 12 months without incurring late fees or penalties. Find more information on
Freddie Mac relief programs
.
Help for Anyone with Mortgage Issues.
If you are having difficulty paying your mortgage, a
LA Co. Department of Consumer and Business Affairs’ foreclosure prevention expert
or a
U.S. Department of Housing and Urban Development (HUD)-certified housing counselor
can discuss other mortgage relief options with you.If you would like more information on legal resources, you may visit the California Courts’ website
Foreclosure and Mortgage Help Self-Help Guide
.
Direct Financial Assistance for Owner and Renters:
If you live in a
declared disaster area
and have experienced damage to your home or business, you may be eligible for
a disaster assistance loan
from the U.S. Small Business Administration (SBA).
Homeowners may apply for a loan of
up to $500,000
to replace or repair their primary residence.
Renters and homeowners may borrow a loan of
up to $100,000
to replace or repair personal property — such as clothing, furniture, cars, and appliances — damaged or destroyed in a disaster.
Apply here
.
If you would like additional self-help materials relating to mortgages, the LA Co. Department of Consumer and Business Affairs has a
Saving Your Home information hub page
and the Department of Real Estate has many publications in its
digital library
, including FAQs in
A Consumer Guide to Mortgage-Related Complaints
.
Printable Mortgage Relief Resources
English (PDF)
|
Korean (PDF)
|
Spanish (PDF)
|
Traditional Chinese (PDF)
|
Vietnamese (PDF)
Rights for Renters
According to
the L.A. County Department of Consumer and Business Affairs
(DCBA), if a rental unit has been completely destroyed in a disaster, the rental agreement is void under California law. This means you are no longer obligated to pay rent and the landlord is no longer required to provide you housing. Renters may have ongoing obligations if their unit is partially destroyed or suffers only minor damage, in which case it is important to seek legal advice from an attorney before stopping rent payments. You may wish to consult with the
DCBA
, a
legal aid
, or a
tenant’s attorney
for more information about your rights and remedies.
Emergency Housing
Locate the nearest open
Red Cross
shelter. Or, go to the
Emergency Shelter page
to find other shelters in your area.
Los Angeles County Disaster Recovery Centers
Get help with federal aid applications, housing and rental support, and access to services. Review the
Disaster Recovery Center checklist
to help with your visit.
More LA Fire Resources
Fraud & Scams
Student Loans
Summary of DFPI Actions
What is CalAssist Mortgage Fund?
CalAssist Mortgage Fund is a state program that provides much-needed relief from mortgage payments for displaced families whose homes were destroyed or left uninhabitable by a California disaster such as the Los Angeles wildfires or floods.
On
October 22, 2025
, CalAssist
increased its income limits
, which allow thousands more homeowners to qualify for relief.
Learn More
Borrowers must contact their mortgage servicer to get relief
If you are having trouble making mortgage payments, always reach out to your mortgage lender or servicer to request relief, even if it is not listed below.
Need help with your lender or servicer?
If you are having issues with your mortgage lender or servicer, please contact the DFPI’s Consumer Services Office at (866) 275-2677 or
submit a complaint online
.
Skip to Main Content
2025 Los Angeles Fires
Help and info for people affected by the wildfires
Updated:
April 9, 2026
Latest News: Stronger Mortgage Relief Now in Effect
On January 6, 2026, Governor Newsom
announced additional relief
from major national lenders to offer additional forbearance of up to 90 days to LA fire survivors, subject to investor approval and consistent with the terms of the Governor’s
January 2025 agreement
. Bank of America is now offering qualifying customers up to 2 additional years of forbearance, beyond the initial 12-month period, for those who plan to rebuild their home.
The DFPI has now secured agreements of additional forbearance of up to 90 days from approximately 160 institutions that have renewed their commitment to extend relief to those still recovering from the devastating fires.
In addition, Governor Newsom
announced a major expansion
of the state’s CalAssist mortgage relief program.
View the 2026 list of Lenders & Servicers committed to providing additional relief.
Download the 2026 list
(Excel) | Last updated 3/9/2026
DFPI licensees: Please email
[email protected]
to join the relief effort.
Company Name
Type of Institution
A&D Mortgage LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Advisors Mortgage Group LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
American First Credit Union
Credit Union
American Internet Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
American Riviera Bank
Bank
Arrowhead Federal Credit Union
Credit Union
Aurora Financial Group, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Balboa Thrift and Loan Association
Bank
Banc of California
Bank
Bank of the Sierra
Bank
Bay Federal Credit Union
Credit Union
Beneficial State Bank
Bank
BluPeak Credit Union
Credit Union
BMO Bank
Bank
Bungalow Funding, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Cabrillo Credit Union
Credit Union
California Business Bank
Bank
California Coast Credit Union
Credit Union
CALIFORNIA LITHUANIAN CREDIT UNION
Credit Union
CalPrivate Bank
Bank
Carrington Mortgage Services, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Castle & Cooke Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Cathay Bank
Bank
Center City Community Credit Union
Credit Union
Citadel Servicing Corporation dba Acra Lending
Mortgage Lenders and Servicers (CRMLA & CFL)
Citi
Bank
Click n' Close, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
CMG Mortgage
Mortgage Lenders and Servicers (CRMLA & CFL)
Coast Central Credit Union
Credit Union
Community Commerce Bank
Bank
Community First Credit Union
Credit Union
Community West Bank
Bank
Compass Community Credit Union
Credit Union
Credit Union of Southern California
Credit Union
CTBC Bank USA, Inc.
Bank
Cypress Loan Servicing LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Data Mortgage, Inc dba Essex Mortgage
Mortgage Lenders and Servicers (CRMLA & CFL)
DHI Mortgage Company, Ltd., L.P.
Mortgage Lenders and Servicers (CRMLA & CFL)
Dolan Gaddi Lending Inc
Mortgage Lenders and Servicers (CRMLA & CFL)
East West Bank
Bank
Educational Employees Credit Union
Credit Union
El Monte Community Credit Union
Credit Union
EverTrust Bank
Bank
Excite Credit Union
Credit Union
Farmers & Merchants Bank of Central California
Bank
Fay Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Figure Lending LLC.
Mortgage Lenders and Servicers (CRMLA & CFL)
Financial Partners Credit Union
Credit Union
First Commercial Bank (USA)
Bank
First Entertainment Credit Union
Credit Union
First Foundation Bank
Bank
First General Bank
Bank
First Pacific Bank
Bank
FIRST STANDARD FINANCIAL CORP.
Mortgage Lenders and Servicers (CRMLA & CFL)
FirstKey Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Franklin Credit Management Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Freedom Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Fresno Police Department Credit Union
Credit Union
Frontwave Credit Union
Credit Union
Generations Home Loans, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
GITSIT Solutions, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Goldman Sachs Lending Partners LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Hanmi Bank
Bank
HCN Bank
Bank
HEM
Mortgage Lenders and Servicers (CRMLA & CFL)
Herzer Financial
Mortgage Lenders and Servicers (CRMLA & CFL)
HomeLight Home Loans, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
JP Morgan Chase
Bank
JTF Rose, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Keswick Financial Group, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Kwik Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Lakeview Community Capital, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Lakeview Loan Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
LBS Financial Credit Union
Credit Union
Legacy Bank
Bank
LendSure Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Lennar Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
LoanCare, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Luxury Mortgage Corp.
Mortgage Lenders and Servicers (CRMLA & CFL)
Marlin Mortgage Capital, LLC and Sailfish Servicing, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Mechanics Bank
Bank
MLD Mortgage Inc dba The Money Store
Mortgage Lenders and Servicers (CRMLA & CFL)
Montecito Bank & Trust
Bank
Monterey County Bank
Bank
Monterra Credit Union
Credit Union
Moria Development, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Lenders Investment Trading Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Research Center, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Mortgage Solutions of Colorado DBA MSF Servicing
Mortgage Lenders and Servicers (CRMLA & CFL)
Murphy Bank
Bank
Nations Direct Mortgage, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nationstar Mortgage LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
New American Funding, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nexus Nova LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Nikkei Credit Union
Credit Union
Northpoint Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Organized Labor Credit Union
Credit Union
Pacific Alliance Bank
Bank
Pacific Service Credit Union
Credit Union
Paramount Residential Mortgage Group, Inc (PRMG)
Mortgage Lenders and Servicers (CRMLA & CFL)
Partners Bank of California
Bank
Partners Federal Credit Union
Credit Union
Patelco Credit Union
Credit Union
PCB Bank
Bank
PennyMac Corp.
Mortgage Lenders and Servicers (CRMLA & CFL)
PennyMac Loan Services, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Planet Home Lending, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Plaza Home Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
PrimeLending, A Plains Capital Company
Mortgage Lenders and Servicers (CRMLA & CFL)
Priority One Credit Union
Credit Union
Proper Rate, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Prosper Marketplace, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Provident Credit Union
Credit Union
Redwood Credit Union
Credit Union
Reliance First Capital, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Resource Financial Services, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Rise Credit Union
Credit Union
Rolling F Credit Union
Credit Union
Royal Pacific Funding Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
RWM Home Loans
Mortgage Lenders and Servicers (CRMLA & CFL)
Sacramento Credit Union
Credit Union
SAFE Credit Union
Credit Union
San Diego County Credit Union
Credit Union
San Francisco Fire Credit Union
Credit Union
Savings Bank of Mendocino County
Bank
SchoolsFirst Federal Credit Union
Credit Union
Select Portfolio Servicing, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
ServiceMac, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
Servion, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SESLOC Credit Union
Credit Union
Sierra Central Credit Union
Credit Union
Sierra Pacific Mortgage Company, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Silver Hill Capital
Mortgage Lenders and Servicers (CRMLA & CFL)
Sirva Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SLO Credit Union
Credit Union
SMBC MANUBANK
Bank
Snapfi, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Southland Credit Union
Credit Union
Star One Credit Union
Credit Union
Sun West Mortgage Company, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
SWBC Mortgage Corporation
Mortgage Lenders and Servicers (CRMLA & CFL)
Technicolor FCU
Credit Union
Technology Credit Union
Credit Union
The Police Credit Union of California
Credit Union
Travis Credit Union
Credit Union
Tri Counties Bank
Bank
Triad Financial Services
Mortgage Lenders and Servicers (CRMLA & CFL)
UMe Credit Union
Credit Union
UNITED ASSOCIATION CU
Credit Union
United Business Bank
Bank
United Legacy, LLC
Mortgage Lenders and Servicers (CRMLA & CFL)
United Pacific Bank
Bank
UNITED WHOLESALE MORTGAGE
Mortgage Lenders and Servicers (CRMLA & CFL)
Upward Credit Union
Credit Union
US Bank
Bank
US Mortgage Coporation
Mortgage Lenders and Servicers (CRMLA & CFL)
USC Credit Union
Credit Union
Valley First Credit Union
Credit Union
Valley Oak Credit Union
Credit Union
Valley Strong Credit Union
Credit Union
Valon Mortgage, Inc.
Mortgage Lenders and Servicers (CRMLA & CFL)
Ventura County CU
Credit Union
Wells Fargo
Bank
Wescom Central Credit Union
Credit Union
Wheelhouse Credit Union
Credit Union
California Law: Assembly Bill 238
On September 22, 2025, Governor Newsom signed into law
AB 238
, which requires a mortgage lender or servicer to provide up to 12 months of mortgage forbearance to a borrower experiencing financial hardship due to the wildfire disaster. This bill deepens homeowner protections by expanding relief and creating enforceable legal requirements.
AB 238 Key Provisions
An initial 90-day mortgage payment forbearance period subject to extension in 90-day increments up to a maximum of 12 months. This allows the lender to work out a suitable repayment plan with the borrower.
Prohibitions on mortgage lender or servicer from requiring a lump sum or “balloon” payments, if the mortgage was current on the residential mortgage loan when the borrower entered forbearance.
No late fees or charging a default rate of interest during the forbearance period.
No initiations of foreclosures or evictions if the borrower is performing according to the terms of the forbearance agreement.
No reporting to credit agencies that the mortgage is in forbearance, or furnishing information during the forbearance period indicating that the payments are in forbearance.
AB 238 also clarified that mortgage servicers are not required to take actions that would require the mortgage lender or servicer to breach the terms of an existing contract with the investor that owns the residential mortgage loan.
AB 238 builds upon
the 2025 announcement
that the state has worked with major lenders to offer mortgage relief to LA firestorm victims. The following federally chartered institutions committed to offering relief: Bank of America, Citi, JPMorgan Chase, U.S. Bank, Wells Fargo, and BMO Bank. In addition, the DFPI confirmed additional commitments from more than 420 financial institutions.
Download the 2025 list of financial institutions
(Excel).
Information for Homeowners & Renters
Fannie Mae Disaster Relief.
Homeowners may be eligible for reduced or suspended mortgage payments for up to 12 months if they are impacted by a disaster. Homeowners and renters may call 855-HERE2HELP (855-437-3243) to access Fannie Mae’s disaster recovery counseling or visit the
Fannie Mae website
for more information.
Freddie Mac Disaster Relief.
If your home loan is owned by Freddie Mac, you may be eligible for relief for up to 12 months without incurring late fees or penalties. Find more information on
Freddie Mac relief programs
.
Help for Anyone with Mortgage Issues.
If you are having difficulty paying your mortgage, a
LA Co. Department of Consumer and Business Affairs’ foreclosure prevention expert
or a
U.S. Department of Housing and Urban Development (HUD)-certified housing counselor
can discuss other mortgage relief options with you.If you would like more information on legal resources, you may visit the California Courts’ website
Foreclosure and Mortgage Help Self-Help Guide
.
Direct Financial Assistance for Owner and Renters:
If you live in a
declared disaster area
and have experienced damage to your home or business, you may be eligible for
a disaster assistance loan
from the U.S. Small Business Administration (SBA).
Homeowners may apply for a loan of
up to $500,000
to replace or repair their primary residence.
Renters and homeowners may borrow a loan of
up to $100,000
to replace or repair personal property — such as clothing, furniture, cars, and appliances — damaged or destroyed in a disaster.
Apply here
.
If you would like additional self-help materials relating to mortgages, the LA Co. Department of Consumer and Business Affairs has a
Saving Your Home information hub page
and the Department of Real Estate has many publications in its
digital library
, including FAQs in
A Consumer Guide to Mortgage-Related Complaints
.
Printable Mortgage Relief Resources
English (PDF)
|
Korean (PDF)
|
Spanish (PDF)
|
Traditional Chinese (PDF)
|
Vietnamese (PDF)
Rights for Renters
According to
the L.A. County Department of Consumer and Business Affairs
(DCBA), if a rental unit has been completely destroyed in a disaster, the rental agreement is void under California law. This means you are no longer obligated to pay rent and the landlord is no longer required to provide you housing. Renters may have ongoing obligations if their unit is partially destroyed or suffers only minor damage, in which case it is important to seek legal advice from an attorney before stopping rent payments. You may wish to consult with the
DCBA
, a
legal aid
, or a
tenant’s attorney
for more information about your rights and remedies.
Emergency Housing
Locate the nearest open
Red Cross
shelter. Or, go to the
Emergency Shelter page
to find other shelters in your area.
Los Angeles County Disaster Recovery Centers
Get help with federal aid applications, housing and rental support, and access to services. Review the
Disaster Recovery Center checklist
to help with your visit.
More LA Fire Resources
Fraud & Scams
Student Loans
Summary of DFPI Actions
What is CalAssist Mortgage Fund?
CalAssist Mortgage Fund is a state program that provides much-needed relief from mortgage payments for displaced families whose homes were destroyed or left uninhabitable by a California disaster such as the Los Angeles wildfires or floods.
On
October 22, 2025
, CalAssist
increased its income limits
, which allow thousands more homeowners to qualify for relief.
Learn More
Borrowers must contact their mortgage servicer to get relief
If you are having trouble making mortgage payments, always reach out to your mortgage lender or servicer to request relief, even if it is not listed below.
Need help with your lender or servicer?
If you are having issues with your mortgage lender or servicer, please contact the DFPI’s Consumer Services Office at (866) 275-2677 or
submit a complaint online
.