Mortgage Relief Program Issues - State-led mortgage forbearance initiative aimed to delay payments for 90 days without penalty [2] - State agreement promised payment options without immediate lump sum repayment (balloon payment) after forbearance [3] - Homeowners report broken promises, including demands for full repayment and adverse effects on credit scores [3][4] - Some homeowners faced foreclosure threats due to mistaken enrollment in forbearance or payment issues [5] - One homeowner's credit score dropped by 120 points due to the forbearance issue [6] State Response and Resolution - State agency overseeing financial institutions received over 100 complaints [9] - The state claims to have resolved most complaints, but some homeowners are still awaiting resolution [9] - Governor's office states it's unacceptable for mortgage providers to not adhere to their commitments [8] Impact on Homeowners - Lowered credit scores hinder rebuilding efforts and access to loans for fire victims [7] - Homeowners feel they are in a position of begging for assistance [7][8]