The Emergency Homeowners' Loan Program (EHLP)


The deadline for the U.S. Department of Housing and Urban Development's (HUD) Emergency Homeowners' Loan Program (EHLP) has passed. Homeowners unable to submit an EHLP application before the deadline or homeowners that submitted an application, but were not approved for a loan, should know there are other foreclosure mitigation programs and options available. If you are a homeowner seeking foreclosure mitigation assistance, you are strongly encouraged to speak with a housing counselor to identify all foreclosure prevention options available. To locate a counselor serving your community or region, go to

For Approved EHLP Borrowers

After a homeowner has closed on an EHLP loan, HUD makes monthly emergency mortgage assistance payments directly to the homeowner’s servicer. HUD’s EHLP assistance payments cover the homeowner’s past due mortgage arrearages and pay part of the homeowner’s monthly 1st mortgage payments, up to 24 months for a maximum assistance amount of $50,000. Approved borrowers can find more information about the amount and period of assistance in their EHLP loan documents.

Approved borrowers should make reference of the “Managing Your EHLP Loan” borrowers guide during the course of their assistance under EHLP. This guide provides a basic summary of the information homeowners will need to know to successfully manage their EHLP loan.

Other borrower resources provided on this page include forms to report a change of income to your EHLP housing counseling agency or appeal to NeighborWorks America an income change determination made by your EHLP housing counseling agency.

Contact Information

Approved borrowers with questions about EHLP should first contact their EHLP counseling agency (the agency that accepted and submitted their EHLP application). For general EHLP inquiries please contact or 202-683-6669.


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