A questionably designed 3 month CalAssist Mortgage fund discriminates against anyone making less than 240,000 dollars a year. The Cal Assist Mortgage Fund can only be fully accessed if one has at least 20,000 dollars in mortgage payments over a 3 month period of time.

Using 33% of one's monthly income to calculate what a fire victims mortgage might be, one would have to make $240,000 dollars a year to fully qualify for 3 months. or $20,000 worth of mortgage assistance. For those who may have scrimped and saved and either paid off their home, or, have a lower than 6,667.00 monthly mortgage through hard work and sacrifice, that person will receive less than $20,000.

A fire victim making $240,000 a year or more will most likely get full mortgage benefits of $20,000 over 3 months. Fire victims making less than 240,000 a year will most likely get less than the $20,000. A fire victim making $120,000 dollars a year would only get 1/2 of what is being offered someone making $240,000 a year or more, and at 80,000 a year, a Fire Victim would only get 1/3 of the maximum benefit being offered Fire Victims who made 240,000 or more per year.

The obvious solution would be to offer applicants a choice, either 3 months worth of mortgage assistance capped at $20,000 dollars, or, $20,000 dollars worth of mortgage assistance spread out over up to one years time.

16,000 "structures" combined burned down in the Alta Dena and Pacific Palisdade Fires. The 100 million dollars would cover 5,000 fire victims at 20,000 each. There are at least double that many homes that burned down.

While the math may have been cleverly designed to provide as many homes as possible with 3 months of mortgage assistance, Those who make less than 240,000 will need more time to rehabiltate their own situation, and when perceived in that manner, they too should have access to the same 20,000 fund amount.

If the Program had come right out and stated, those making 240,000 a year or more are eligible for 20,000 dollars in mortgage assistance, those making less than 240,000, will receive less assistance, there would have been an uproar amongst both communities.

I have sent messages to the Mortgage Assistance Fund begging them to be fair to those who make less than 240,000 a year, and I have not heard back. I am not in the fire area that was affected, so this isn't about me, it's about Mortgage Reimbursement Equity Fairness, and, being prepared to raise the 100 million being offered so everyone has fair access to the same level of funds.