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Emergency Mortgage Assistance Program (EMAP) ...... Hardship Letter

As I mentioned in Emergency Mortgage Assistance Program (EMAP) ...... Eligibility Requirements, the first and most important requirement, in my opinion, that a Homeowner needs to meet is proof of a financial hardship that was created by circumstance that were out of their control.  The financial Hardship cannot be because of financial mismanagement, but can be eliminated through EMAP assistance within the maximum 60 month period.  Because the Hardship Requirement is so important I am writing this blog Emergency Mortgage Assistance Program (EMAP) ...... Hardship Letter specifically to address the Financial Hardship requirement and what the Financial Hardship Letter needs to address.
The two main reasons that the Emergency Mortgage Assistance Program (EMAP) will consider as a Financial Hardship is:
A Reduction of Income - the reduction can be for reasons such as Unemployment - loss of a job, laid off Reductions in the number of work hours would constitute a reduction in Income. Underemployed - this would be if the Homeowner lost a job, but later found another job, but at a lower incomel, or had to take a job in a lower paying field A Loss, Reduction, or Delay in the Receipt of: Federal, State, or Municipal Benefits ... more

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