The Emergency Homeowners' Loan Program (EHLP)

FHA  qualified homeowners:

HUD has reopened the application intake for the Emergency Homeowners’ Loan Program (EHLP), a program that provides mortgage payment assistance to eligible homeowners experiencing a drop in income of at least 15 percent, directly resulting from involuntary unemployment or underemployment due to the economy and/or a medical condition. The mortgage assistance covers past-due mortgage payments, as well as a portion of the homeowner’s mortgage payment for up to 24 months (up to $50,000). The program is offered in 27 states and Puerto Rico. The deadline to apply is September 15, 2011.  Since EHLP funds are provided to qualified homeowners on a first-come, first-served basis, it is critical that  homeowners provide all required documents in a timely manner or risk losing the opportunity to apply for assistance under the program.

The Emergency Homeowner’s Loan Program (EHLP) application process has reopened in 27 states and Puerto Rico to give homeowners at risk of foreclosure more time to apply for the program. Applications will be accepted through September 15, 2011. 

EHLP will assist homeowners who have experienced a reduction in income and are at risk of foreclosure due to involuntary unemployment or underemployment, due to economic conditions or a medical condition. Eligible homeowners can qualify for an interest-free loan, which pays a portion of their monthly mortgage for up to two years, or up to $50,000, whichever comes first.

How to Apply
To apply for EHLP, homeowners should do the following.

• Complete the Applicant Worksheet and the Third Party Authorization.
• Gather the applicable documents listed on the document checklist.
• Submit the worksheet, authorization, and applicable documents to a participating EHLP agency. To find a participating agency, click here.

Although September 15 is the last day to submit documents, homeowners are strongly encouraged to submit all required documents quickly since EHLP funds are provided to qualified homeowners on a first-come, first-served basis.

EHLP States
Additional applications will be accepted in the following EHLP states: Alaska, Arkansas, Colorado, Hawaii, Iowa, Kansas, Louisiana, Maine, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, South Dakota, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and the Commonwealth of Puerto Rico.

Substantially Similar EHLP States
On April 1, 2011, HUD identified five states operating their own respective mortgage assistance programs that met HUD's criteria as "substantially similar" to the EHLP. These include Connecticut, Delaware, Idaho, Maryland, and Pennsylvania. Homeowners may still be able to apply in these states. Click here for more information.

States That are Not Participating in EHLP
Those states that are not identified above receive direct assistance through the U.S. Treasury's Innovation Fund for Hardest Hit Housing Market Program. The list of Hardest Hit Fund states is provided below. If you live in one of these states, click on that state's name to find out more about Hardest Hit Housing Market Program that is available where you live.

Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Washington DC

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