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The Emergency Homeowners' Loan Program (EHLP)

EHLP HOMEOWNER APPLICATION DEADLINE HAS PASSED

The deadline for The Emergency Homeowners' Loan Program (EHLP) has passed for the HUD-administered program, and is no longer accepting Applicant Screening Worksheets from homeowners. Homeowners seeking foreclosure mitigation assistance should speak with a housing counselor to identify all foreclosure prevention options available. To locate a counselor serving your community or region, go to FindaForeclosureCounselor.org.

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, and Wyoming as well as the commonwealth of Puerto Rico.

Substantially Similar EHLP states:

The deadline for homeowners to apply for the substantially similar programs has passed but homeowners who reside in one of the five substantially similar EHLP States should speak with their state housing finance agency to find out if there are other programs that can assist them. Click on the corresponding link below for more information about other state programs and resources:

• Connecticut Housing Finance Authority
• Delaware State Housing Authority
• Idaho Housing Finance Association
• Maryland Department of Housing and Community Development
• Pennsylvania Housing Finance Agency

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 the Hardest Hit Housing Market Program. The list of the 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 the Hardest Hit Housing Market Program that is available where you live.

The list of the Hardest Hit Fund states is provided below. If you live in one of these states, click on the state's name to find out more about the Nardest 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.