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by sitecore\kmcgrigg on June 29, 2011

**Updated: MMI is no longer accepting applications for the Emergency Homeowners' Loan Program (EHLP)**

The Emergency Homeowners' Loan Program (EHLP) is a 1 billion dollar initiative that is expected to help up to 30 thousand homeowners in 27 states and Puerto Rico. 

The program is designed to help homeowners who have experienced a drop in income of at least 15 percent due to circumstances beyond their control such as unemployment or a medical condition.

Applicants who meet the program’s eligibility requirements may receive a zero interest forgivable loan that helps pay mortgage payments, including missed payments and past-due charges, for up to a maximum of $50,000.

To be eligible to receive emergency assistance, homeowners must meet certain conditions.  For example, you must have a history of good payment on your mortgage prior to your reduction in income. You must have been at least 3 months behind in your mortgage on June 1, 2011 and there can be no more than two open liens on your home.   You will learn more about the qualifications when you fill out the Pre-Applicant Screening Worksheet.

There are NO FEES for this program and that anyone trying to charge for this program should be reported it

Whether or not you are eligible for emergency assistance through this program, you may be eligible for other forms of assistance and I strongly encourage you to contact a housing counselor to discuss your options.

If you do receive assistance through the EHLP, no regular monthly payment is due on your loan once the assistance has ended. Absent default under the terms of your loan documents, your outstanding loan balance will be reduced by 20 percent each year following the date your assistance ended, and until your outstanding balance reaches $0.


amanda roebuck says:
July 04, 2011

i have been a victim of domestic volicence and me and my three kids are having to start over i know i have poor credit and i do not know were to start over at.

cory steindel says:
November 14, 2011

Is this program still open?

Jasmine says:
July 08, 2011

california was not on the list. Are they not included?

Kim at MMI says:
July 01, 2011

Hi Robin, I am sorry to hear about your job. Even if this program is not right for your situation, I encourage you to contact a HUD-certified housing counselor. He or she can talk to you about all of your options. Kim

Kim at MMI says:
July 08, 2011

Jasmine, This program provides funding for residents of 32 states and Puerto Rico. You can find the list here: California is not one of the states because it is covered under the Hardest Hit program. You can get information about that program here: Kim

Kim at MMI says:
July 20, 2011

Marilyn, I highly recommend that you contact a HUD-certified housing counselor. Your counselor can talk to you about all of your options. The appointment is free and confidential. The number to call is 866-531-0511. Kim

Marilyn says:
July 20, 2011

I have <$3K to my name. Have spent all my IRAs, savings on med bills/expenses due to major medical pbms. Was delinquent in fall10-spg11, and am ONLY now current because of 1) loan from friends and 2) lump sum SSDI back pmts. Will be in same situation in September. So technically not in default in June, but am obviously seriously at risk. Is this considered???? I've been in my home for 15 years and have no idea where I would go. In the DC area housing is so expensive. Was always on time, great credit until my illness which began Jan 08. Thanks,

nancy jeanne cobb says:
November 14, 2013

apologize for any seeming rushing procedures, but your e-mail indicated I would be contacted soon and have not heard. Am in desperate urgent need of help with utilities, mortgage payments and other bills. Have been in a proactive concentrated search for employment for some time, no results yet. Please phone ASAP. Many thanks!

Robin Hensley says:
July 01, 2011

My Company has announced closing as of 7/22/11. I will be staying until 8/8/11 as of now. I am one month behind on mortgage due to reduction in income of spouse, who is self-employed due to economic conditions.

Stacey says:
April 19, 2013

When will this program be available again? Are there any other emergency program are available ?

Tina King says:
February 20, 2014

I originally applied for this program and was denied because at the time of application, I was current for the last 3 months, but was in foreclosure at that time. I called to inquire and explain, but no one seemed to understand. Also, the only way I was able to pay the mortgage for that time was with my husbands retirement when he passed away. Will this program EVER return? I don't think I should have been denied since I was and still am in foreclosure. PLEASE HELP!

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