Those with mortgages owned by private lenders, such as banks, are not included in this relief. However, some states and banks have also rolled out relief for homeowners. California reached a deal with a number of big banks to provide affected homeowners with a 90-day grace period for all mortgage payments and suspend foreclosures. Connecticut reached a similar agreement and has a list of participating banks. New York Gov. Andrew Cuomo said last month that the state was "going to have the banks and financial institutions waive mortgage payments for 90 days." The state's Department of Financial Services sent guidance urging banks and loan servicers to offer 90-day forebearance on mortgage payments.