Emergency Homeowners Loan Program (EHLP) Overview

The Emergency Homeowners Loan Program (EHLP) is a federal program designed to help struggling homeowners stay in their homes by making payments to their mortgage company.

EHLP provides zero-interest loans to homeowners who have experienced an income loss of at least 15% due to the economic downturn or a medical condition. Qualified participants can receive assistance with past due mortgage payments and monthly payments, for a maximum duration of 24 months and a loan amount up to $50,000.

Eligibility guidelines include a combined household income of less than $75,000, involuntary unemployment or a serious medical issue, delinquency on mortgage payments by at least three months, and the property being a single-family primary residence.

To check eligibility for EHLP or other housing assistance programs, visit the Housing and Urban Development (HUD) website at HUD’s portal. Please note that the application deadline for EHLP has expired, but HUD’s website may provide information on other available programs.

If you have questions about EHLP or require assistance with housing-related legal matters, contact Friscia & Associates for guidance. Call us at (973) 500-8024 or (212) 960-8308, or submit your contact information online.