{"id":79,"date":"2026-10-07T12:00:00","date_gmt":"2026-10-07T12:00:00","guid":{"rendered":"https:\/\/www.angeleanmortgageloans.com\/blog\/?p=79"},"modified":"2026-10-07T12:00:00","modified_gmt":"2026-10-07T12:00:00","slug":"california-expands-wildfire-mortgage-relief","status":"publish","type":"post","link":"https:\/\/www.angeleanmortgageloans.com\/blog\/2026\/10\/07\/california-expands-wildfire-mortgage-relief\/","title":{"rendered":"California Expands Wildfire Mortgage Relief"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/angelean-monteiro\/california-wildfire-mortgage-remotion-videos-9a59\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>As someone who\u2019s spent more than 25 years navigating the real estate and mortgage landscape here in California, I know how devastating wildfires can be\u2014not just emotionally, but financially too. A recent state law (signed September 15) is a significant step forward: for homeowners whose properties are impacted by wildfires, the available mortgage forbearance period has doubled from 12 to 24 months for emergencies declared through early Q1 2025. Eligible borrowers now have until January 7, 2029, to apply, provided they can document both financial hardship and that their home is uninhabitable. If you need relief beyond the initial 12 months, servicers can only request more paperwork after you submit a written request tied to hardship, habitability, or repairs. The process is now more structured\u2014servicers must respond within 21 days, supply written denial reasons, and allow 21 days for corrections if needed. Importantly, after relief ends, borrowers must be offered a deferral (with no lump sum due for accounts in good standing), and no extra fees, default interest, or negative forbearance reporting can be added during the relief period. These changes are designed to give homeowners meaningful breathing room as they recover. My experience as both a Real Estate and Mortgage Broker helps me appreciate just how impactful these protections can be for our community.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s spent more than 25 years navigating the real estate and mortgage landscape here in California, I know how devastating wildfires can be\u2014not just emotionally, but financially too. A recent state law (signed September 15) is a significant step forward: for homeowners whose properties are impacted by wildfires, the available mortgage forbearance period [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":80,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-79","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/79","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/comments?post=79"}],"version-history":[{"count":1,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/79\/revisions"}],"predecessor-version":[{"id":81,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/posts\/79\/revisions\/81"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media\/80"}],"wp:attachment":[{"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/media?parent=79"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/categories?post=79"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.angeleanmortgageloans.com\/blog\/wp-json\/wp\/v2\/tags?post=79"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}