Wildfire Survivors Granted Up to One Year Mortgage Relief Under New CA Law

Governor Newsom signed Assembly Bill 238, granting wildfire survivors up to one year of mortgage forbearance with no late fees, penalties, or documentation required. Homeowners can pause mortgage payments for up to 12 months by simply confirming that the wildfire caused financial hardship. To apply, contact your mortgage servicer, submit a short written request under AB 238, and the servicer must respond within 10 business days. Approved forbearances renew every 90 days for up to one year, during which no late fees, foreclosures, or credit penalties can occur. For assistance, the California Department of Financial Protection & Innovation (DFPI) will release official guidance and a borrower helpline. Learn more here.