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HomeCommentaryCommentary: State Grants Are Providing Mortgage Relief to Californians Post-COVID

Commentary: State Grants Are Providing Mortgage Relief to Californians Post-COVID

The California Mortgage Relief Program helps families impacted by COVID-19 save their homes

California Black News-Posted: July 28, 2022 By Tiena Johnson Hall | Special to California Black Media Partners

OPINION (CBM) – For many Californians of color, housing instability and inequity did not begin with the COVID-19 pandemic. Discriminatory housing and lending policies have long prevented communities of color from securing the right to stable housing. The gateway to homeownership – proven to be one of the most effective ways to build intergenerational wealth in America – has only drifted farther and farther out of reach for people of color in America and especially in California.

While the pandemic did not create these issues, it has compounded them, forcing more families into vulnerable positions and putting their homeownership at risk.

To those who are familiar with our country’s history, it is no surprise that Black and Latinx communities are especially impacted. The Little Hoover Commission found that over the course of the pandemic, Black and Latinx homeowners were more than two times as likely as white Americans to report being behind on their housing payments.

Responding to the most recent chapter of this crisis, California has $1 billion in federal support available to homeowners at risk of losing their homes due to lost work, increased medical costs, and other hardships brought on or exacerbated by COVID-19 and the associated economic impacts.

Launched in December 2021, the California Mortgage Relief Program has distributed grants of up to $80,000 to eligible homeowners from socially disadvantaged communities, including families of color, who have fallen behind on their housing payments.

Over the past six months, California has distributed relief funds to more than 2,800 households. Recent expansions to the program’s eligibility guidelines have opened the opportunity for even more homeowners to get caught up on missed housing payments.

We have made it a point to embed ourselves in our local communities and connect with vulnerable homeowners in the language that is most accessible to them. As these families work to recover from the ongoing financial burdens of the pandemic, there should be no additional barriers for them to access these resources.

A home goes beyond four walls and a roof. It is security. It is peace of mind. For many families, buying a home represents the unraveling of a system entrenched in inequality and lays the foundation of opportunity for future generations.

This housing relief cannot undo a history of exclusionary practices, nor end a global pandemic, but it can ensure that whatever progress these families have made toward intergenerational wealth is not erased due to circumstances beyond their control.

And that is the work we will continue to do for these families. For anyone suffering from inequality, we must always strive for better.

For Californians who lost wages, lost jobs, or faced the tragedy of a lost loved one during this terrible pandemic – and especially for those who have faced the additional challenges of historical housing discrimination – the California Mortgage Relief Program is here to alleviate some of the burden. Apply today at CaMortgageRelief.org.

About the Author

Tiena Johnson Hall, Executive Director, California Housing Finance Agency (CalHFA)

Save Your Home

Opinion: The Legislature Must Act Now to Fix Schools Failing Black Children

By California Black Media June 3, 2022

Rev. Jonathan E.D. Moseley

The Rev. Jonathan E.D. Moseley | Special to California Black Media Partners

(CBM) – I am a Los Angeles local who was educated in our public schools, Audubon Jr. High and Crenshaw High School. It’s been decades since I walked across the stage and received my diploma as a proud Cougar. One thing about then that remains true today is California’s Black students are falling behind in their academic performance. This poor academic performance is not limited to inequitable access to quality K-12 programs, inexperienced teachers, low expectations, racial bias, trauma and lack of services. Our youth deserve better, they deserve fairness and equity — and they deserve it now.

There’s a proposed fix that’s making its way through the State Legislature in Sacramento, AB 2774 (Assemblymembers Weber and Holden), Education Equity Now. Before I tell you about the solution, here’s what the proposal will address.

The subgroups identified then and who are currently receiving funding include English Language learners, low-income students, and foster/homeless youth. There is no denying students who are members of these groups deserve the additional financial support to ensure they are receiving the educational opportunities they deserve. However, the LCCF formula fails to include a subgroup of the lowest performing students to receive supplemental funds. For the past two decades that has been Black students.

The achievement gap for Black students is pervasive regardless of income. 2019 statewide testing data shows that Black students are the lowest performing subgroup with 67% not meeting English Language Standards and 79 % not meeting Math Standards. As a result of inadequate support and funding, Black students have the highest suspension rate of any subgroup at 8.8% and the lowest graduation rate at 76.8%.

his year marks 68 years since the Supreme Court ended school segregation with the decision in Brown v. Board of Education. That ruling was the first step in a long road to equality in our country’s educational system.

But we can’t stop there. Now, in California, a state known for its opportunity and innovation, we have the opportunity to continue pushing equality for our youth, our future and pass AB 2774.

This legislation will benefit Black students by creating a new supplemental grant for the lowest performing subgroup of students not receiving LCFF funds. It is estimated AB 2774 would help generate more than $400 million for public schools across the state to provide critically needed academic support for Black students.

When these funds are provided to historically under resourced, underserved communities, they will receive part of the resources needed to help give our schools what the need to achieve and meet a higher standard.

Education is the key to equity, equality, opportunity and advancement. We must provide the support and resources to our young people so that they can succeed.

When the bar is raised in our under-resourced communities, we can raise standards for all Golden State students, and we achieve together.

About the Author

The Rev. Jonathan E.D. Moseley is western regional director of the National Action Network (NAN).

centralvalleyvoice
centralvalleyvoicehttps://centralvalleyvoice.com
Felicia Roberts took an idea gathered a few people to reached into a minority community to highlight the positive, using a minority newspaper the Central Valley Voice. Roberts was joined by her sisters Carolyn Williams, Alleashia Thomas, niece Hermonie Lynn Williams, nephew Ron Williams, cousin Jerald Lester, Jay Slaffey, Greg Savage, Tim Daniels and the late J Denise Fontaine. Each individual played an important role in the birth of the newspapers. Since, then many have stood strong behind the success of the newspapers and its goal to fill a void in the Central Valley community. The Central Valley Voice published their 1st issue in November 1991. Its purposed was to highlight the achievements of minorities in the Central Valley. The Voice focuses on the accomplishments of African Americans and Hispanics giving young people role models while diminishing the stereotypical pictures of gangs, crime and violence that permeate the minority communities. Since 1991, the Central Valley Voice has provided an important voice for the minority community throughout the Madera, Merced. Stanislaus and San Joaquin counties.
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