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New! On April 1, 2011 HUD announced five states having substantially similar programs.
New! Grant awards announced for EHLP applicants.More Information

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The Emergency Homeowners' Loan Program (EHLP)

EHLP HELP Foreclosure Consumers 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 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. 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 will be 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. Homeowners must apply for program assistance through participating housing counseling agencies. Homeowner applications will be available no sooner than July 2011. For more information about program eligibility criteria and the application process, please click on "EHLP information for homeowners" below. For more information about how EHLP works and the states where these funds will be available, please scroll further down this page.

Who Does EHLP Assist?

The program is designed to provide mortgage payment relief to eligible homeowners experiencing 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) will offer 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

States Participating in EHLP

EHLP will be available in the following 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. EHLP is also offered in Puerto Rico.

Substantially similar EHLP states:

On April 1, 2011, HUD identified five states operating their own respective mortgage assistance programs that met HUD's criteria as "substantially similar" to the EHLP. These include Connecticut, Delaware, Idaho, Maryland, and Pennsylvania. Each of these states have received direct allocations of EHLP funds to directly administer and assist homeowners in need. For information about how to apply for EHLP assistance in these substantially similar states, please click the links below.

Connecticut, Delaware, Idaho, Maryland, Pennsylvania

States That are Not Participating in EHLP:

Those states that are not identified above (non-EHLP states) 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

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