The Emergency Homeowners' Loan Program (EHLP)

The Dodd-Frank Wall Street Reform and Consumer Protection Act provided $1 billion to the U.S Department of Housing and Urban Development to implement the Emergency Homeowners' Loan Program (EHLP). This HUD program is being administered by NeighborWorks America.

The program was 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. The mortgage relief 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).

EHLP is managed by HUD's Office of Housing Counseling and administered through NeighborWorks America or individual states that operate programs which are substantially similar to EHLP.

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.

Who Does EHLP Assist?
The program was designed to provide mortgage payment relief to eligible homeowners who experienced a drop in income of at least 15% directly resulting from involuntary unemployment or underemployment due to adverse economic conditions and/or a medical emergency. Other EHLP requirements must be met to be eligible. More Information

How Does EHLP Work?
The Emergency Homeowners’ Loan Program (EHLP) offers a zero interest, forgivable bridge loan to homeowners who have experienced a substantial loss of income (a reduction of at least 15%) due to unemployment or underemployment caused by adverse economic conditions or a medical condition. More Information

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 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

Contact us at ehlp@nw.org, 855-FIND-EHLP, or 855-346-3345