via AAPD (6.24.11):
HUD Announces New Program to Help Homeowners at Risk of Foreclosure
By Jenifer Simpson, Senior Director for Government Affairs
AAPD recently learned about a new program by the U.S. Department of Housing and Urban Development (HUD). In conjunction with NeighborWorks® America, HUD announced the launch of the Emergency Homeowners’ Loan Program (EHLP).
The EHLP is designed to provide mortgage payment relief to eligible homeowners experiencing a drop in income of at least 15 percent directly resulting from involuntary unemployment or underemployment due to adverse economic conditions and/or a medical emergency.
Under the EHLP program guidelines 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. Eligible homeowners must have current income at least 15% less than it was in 2009 and must be at least 90 days delinquent on the mortgage, among other eligibility factors.
For instance, you must have received a written notice from your mortgage lender/servicer indicating that you are delinquent on your first mortgage payments, referred to as a “Breach Letter.” Also, you cannot be in bankruptcy or owe unpaid federal income taxes or have unpaid federal student loans, among other criteria.
To learn more about the program, go to: http://nw.org/network/foreclosure/nfmcp/documents/EHLP_Homeowner_FAQs.pdf
Possible loss of a house is one of the number one phone calls involving people with disabilities that we hear about at the AAPD national office. If you or someone you know is experiencing mortgage difficulties due to the continuing economic situation, explore if the EHLP program can help. Why lose your home through failing to check out a program and fill out the necessary paperwork?
Pre-Applicant Screening Worksheets are available online at http://www.FindEHLP.org.
The deadline for this worksheet submission is July 22, 2011!
You can also call toll free to 855-346-3345 for more information on the program.
Let AAPD know if you encounter difficulties with this program via an email to policy@aapd.com
I have been left in the road for years. Now i am in not accessible for my needs housing and am at risk of losing that Aug 1 over a simple accomodation issue.
I have had some advocacy, but that has been slow, often delayed past time limits for things in housing, medical, mh, voc rehab, ihhs, and not effective at resolving the whole of any problems. The pile just thickens. Another problem is that while the advocate is not representing or is the housing authority has used having an advocate as excuse to not respond to my written emails or requests. What is going to be advocated starts out as one thing then slowly dwindles. Seems I cant win basic access and accommodations with or without help. And multi-disabled, not only will my potential continue to be wasted but the help to get me into accessible affordable housing, after several years, is going to result in me being back in the road and losing all again, where I suffered more disability from malnutrition and added pain. How do these in system problems get addressed without more shooting the messenger, as I am already "holey" enough to be ordained ?
Posted by: The painfully aware. | June 29, 2011 at 12:52 PM
Nice post. Reminds me when i was in college. urban setting getting about in the city. Bicycle is the way.
Posted by: Pandora Charms | July 01, 2011 at 04:02 AM