California law doubles wildfire mortgage forbearance to two years

California extended mortgage forbearance for wildfire-affected homeowners from 12 to 24 months, with application deadlines moved to January 7, 2029. Borrowers must confirm financial hardship and property uninhabitability. Servicers face longer response times, stricter denial rules, and can request extra documentation only after written investor requests. Post-forbearance, deferral options are mandatory, lump sum payments prohibited, and credit reporting must reflect current status during relief.