Housing Assistance

County Specific Information

Equal Housing Protection

Homebuyers and Tenants Have Protection from Housing Discrimination Under California Civil Rights Laws

Homeowners, homebuyers and tenants have protection from housing discrimination under California Civil Rights laws through the Department of Fair Employment and Housing (DFEH). DFEH is responsible for enforcing state fair housing laws that make it illegal to discriminate because of the categories listed below under “Who is Protected?” The law applies to landlords, real estate agents, home sellers, builders, mortgage lenders, and others. The law prohibits discrimination in all aspects of the housing business, including: Renting or leasing, sales, mortgage lending and insurance, advertising, and practices such as restrictive covenants, as well as permitting new construction.

 

U.S. Department of Agriculture (USDA) Rural Development Disaster Assistance

USDA Rural Development delivers a number of programs to help improve the quality of life in rural communities throughout the nation. These programs may also help rural communities, businesses and individuals impacted by a disaster such as fire, drought or earthquakes.

USDA Rural Development Disaster Assistance Fact Sheet

USDA California Rural Development Website

USDA Rural Area Maps – Click on Single Family Direct, Accept, then type in the address.

Additional Resources

Individuals

USDA Rural Development (RD) – Single Family Housing – 502 Direct Low and Very-Low Income Home Ownership

USDA RD – Rural Development Rural Repair and Rehabilitation Loan and Grant (Section 504) Program

USDA RD – Multi-Family Housing Program

  • For individuals whose property was destroyed by a declared disaster
  • Applications accepted on an annual basis
  • Link to website

Businesses

USDA RD – Rural Energy for American Program (REAP)

  • For agricultural producers or small businesses in eligible rural areas
  • Renewable Energy Systems and Energy Efficiency Improvements Guaranteed Loans – continuous application cycle
  • Application window opening/closing dates for other programs not posted on USDA website
  • Link to website

Both Individuals and Organizations:

USDA RD – Business & Cooperative Programs

 


County Specific Information: Butte, Lake, Mendocino Nevada, Napa, Orange, Sonoma, Yuba

Temporary Housing

FEMA provides short-term lodging assistance for evacuees who are not able to return home for an extended or indeterminate period of time following a disaster.
Transitional Sheltering Assistance Hotel Locator

Sonoma County Rental Resources

U.S. Small Business Administration

SBA offers federal low-interest disaster loans to businesses of all sizes, most private nonprofit organizations, homeowners and renters. Businesses of any size may borrow up to $2 million to repair/replace disaster property damage. Small businesses, small businesses engaged in aquaculture and most private nonprofit organizations may also borrow to help meet disaster caused working capital needs. The $2 million maximum applies to the combination of property damage and working capital loans.

If you are a homeowner or renter, FEMA may refer you to SBA. SBA disaster loans are the primary source of money to pay for repair or replacement costs not fully covered by insurance or other compensation. Homeowners may borrow up to $200,000 to repair or replace their primary residence. Homeowners and renters may borrow up to $40,000 to replace personal property, including vehicles.

There are three ways to apply for SBA disaster loan assistance:

  • Apply online using SBA’s secure website at https://disasterloan.sba.gov/ela
  • Apply in person at any Disaster Recovery Center and receive personal, one-on-one help from an SBA representative. For additional information or to find a location near you, visit our website at
    https://www.sba.gov/funding-programs/disaster-assistance, call SBA at (800)659-2955 or email disastercustomerservice@sba.gov. Individuals who are deaf or hard-of-hearing may call (800)877-8339.
  • Apply by mail: Send completed paper application to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.

Additional SBA Resources:
SBA Disaster Playbook
SBA Disaster Playbook (Español)
Three Ways to Apply
SBA Fact Sheet
SBA Fact_Sheet (Español)

Grant Assistance

FEMA Individual and Households Program and California Department of Social Services, State Supplemental Grant Program Information

U.S. Department of Housing and Urban Development

If your home has been affected by a natural disaster (hurricane, flood, tornado, wildfire, etc.) it is important to identify the resources available to assist in your recovery. Most federal disaster recovery efforts are triggered by the designation of the area as a Presidentially-Declared Major Disaster Area. To obtain the latest information on available programs, eligibility criteria, and declared disasters, visit the national disaster recovery site, located at: http://www.disasterassistance.gov/

It is best to contact your homeowner’s insurance provider and mortgage lender as soon as possible to notify them of the condition of your property and to obtain their assistance in your recovery effort.

If your current mortgage is insured by FHA you will receive an immediate 90-day moratorium on foreclosure and forbearance if your home is located in a presidentially-declared disaster area. For more information on disaster relief for FHA borrowers please go to:
https://www.hud.gov/program_offices/housing/sfh/nsc/qaho0121

For more information on disaster relief for FHA borrowers please go to: https://www.hud.gov/program_offices/housing/sfh/nsc/qaho0121

These extensions are only applicable to the Individual Assistance Areas within each PDMDA.  For additional information on the extension see Mortgagee Letter 2017-15 available at: https://www.hud.gov/program_offices/administration/hudclips/letters/mortgagee

The following programs are available through an FHA-approved lender without regard to your current financing type:

– Section 203(h) Mortgage for Disaster Victims Program
This program allows FHA-approved lenders to provide financing to individuals and families (homeowners or renters) whose residences were destroyed or damaged to such an extent that reconstruction or replacement is necessary. This program allows 100% financing for the purchase or reconstruction of a home, however, closing costs and prepaid expenses not paid by the seller must be paid by the borrower in cash or through premium financing.

– Section 203(k) Rehabilitation Mortgage Insurance Program
This program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. Damaged residences are eligible for Section 203(k) mortgage insurance regardless of the age of the property when the property is located in a presidentially-declared disaster area. The residences need only to have been completed and ready for occupancy for eligibility under Section 203(k).

Lenders may use Section 203(k) in combination with Section 203(h) for disaster rehabilitation.
To locate an FHA-approved lender please go to:
https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist

More Resources from HUD

To find more information about HUD and FHA disaster relief programs, please visit the HUD disaster resources site at: https://www.hud.gov/info/disasterresources

To find out more about the Federal Housing Administration’s primary disaster mortgage insurance program, click here: https://www.hud.gov/program_offices/housing/sfh/ins/203h-dft

You can locate a local housing counseling agency by calling (800) 569-4287 or visit:
https://www.hud.gov/i_want_to/talk_to_a_housing_counselor

For policy information see Handbook 4000.1 II.A.8.a and II.A.8.b at:
https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

Environmental review information and staff contacts: https://www.hudexchange.info/programs/environmental-review/

HUD Disaster Recovery and Environment information link on the HUD Exchange website at https://www.hudexchange.info/programs/environmental-review/.

Combine the state and federal environmental review: https://ceq.doe.gov/laws-regulations/states.html.  The Council on Environmental Quality and CA Governor’s Office of Planning and Research Handbook for integrating CA and Federal ERs.

Historic Preservation Section 106 agreements: http://www.achp.gov/agreementdocguidance.html#ch2-1 and https://www.hudexchange.info/resource/3675/section-106-agreement-database/.

Multiple agencies may enter into a cooperating agreement to complete the environmental review and historic preservation consultation.  Contact your local environmental office staff.

Mobile Home Park Rehabilitation and Resident Ownership Program (MPROP)