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Hardest Hit Fund Program . Those States are Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee and Washington D. C. If you live in one of these States, then you may qualify for additional funding to help offset financial hardships that can lead to making it difficult to continue your mortgage payments or a very real threat of losing the residence altogether. Contact a home loan modification lawyer to get more information on how a resident of one of these States might benefit from this fund. Rhode Island Housing strives to ensure that all people who live or work in Rhode Island can afford a healthy, attractive home that meets their needs. A good home provides the foundation upon which individuals and families. Contact Congressman Langevin. Welcome to the online office for Congressman Jim Langevin. Please visit the Contact Me page to contact Jim electronically or click on the office location nearest you for details. Each State has a number of unique issues that apply to their individual economic situations. Hardest Hit Program Details. Basic requirements of the home owner for the Hardest Hit Program; The home owner must be a resident of your state, and a legal US resident. The home owner must be unemployed OR underemployed. Total household debt must exceed 3. Unencumbered Assets: Any home owner that has assets (including cash) greater than 3x the monthly home loan payment (does not include retirement plans, goods or required automobiles) must first use those assets to make or reduce the payments owed. No standing bankruptcies or housing fraud based criminal convictions. Basic requirements of the property for the Hardest Hit Program; The property must be the primary and only occupied residence owned by the home owner. Can be a single family dwelling, condominium (only if on the current FHA, Fannie Mae or Freddie Mac approved list), town home or mobile home (when used as a fixed residence, and not mobile)Basic requirements of the property’s first mortgage for the Hardest Hit Program; Must be with a regulated financial institution, not seller financed, and participating in your state’s program. Must not be more than 6 months behindhave been created on or before January 1, 2. Alabama Hardest Hit Fund. The size of the fund made available to Alabama is $1. Alabama’s specific requirements. Successful applicants will receive money for each of twelve consecutive months, with a payment cap of $1. If your home is located in a Federally Declared Disaster County, then you may be eligible for help for 1. The application can take up to 6 weeks to process. The qualification details particular to the state of Alabama for the Alabama Hardest Hit program include; The total balance owing on the mortgage can not exceed $2. The arrears from missed payments can not be more than $7,5. The home owner must already be receiving benefits from the government for unemployment. The maximum total allowed household income can not exceed $7. Arizona Hardest Hit Fund. To qualify for the Arizona Hardest Hit, the gross family / household income must be no more than 1. A minimum of two monthly payments behind, and no less than 6. Trustee sale date. The maximum loan amount is $5. If the applicant can complete the program successfully, then the loan balance is forgiven at the end of the term. Second mortgage settlements are available up to $5,0. Unemployment Mortgage Assistance is available up to $5. Second Mortgage Settlement, a maximum of 2. Rescue assistance can make a first mortgage current by fixing all past due payments including interest, late fees and any NSF fees, but excluding any legal fees. The maximum number of payments rescued is 1. California Hardest Hit Fund. To qualify for the Keep Your Home program in California, the homeowner must be unemployed, collecting EDD benefits. Qualified applicants will receive up to $3,0. Florida Hardest Hit Fund. The Florida Housing Finance Corporation has been directed to make the state’s hardest hit funds available to the unemployed in an effort to provide temporary revenue assistance in addition to home loan subsidies. The Unemployment Mortgage Assistance Program provides home owners with $1. The home owner must be able to pay 2. Should applicants have more than one mortgage on their home, then this payment is only available for the payment of the primary mortgage. Qualified applicants must have a hardship based on a loss or reduction of income due to their employment situation. Florida offers an additional program called the Mortgage Loan Reinstatement Program, which essentially provides the home owner with enough money to bring their mortgage payment to current status, to a maximum of $6,0. The home owner must be able to demonstrate that their employment- related hardship is now over, and that their new situation reduces their monthly home loan payment to less than 3. Florida adds the following criteria to the above requirements; The balance of the mortgage owing can not exceed $4. Total household income (income from all residents at the location over the age of 1. US Department of Housing. Georgia Hardest Hit Fund. The Georgia Hardest Hit program outlines a number of other issues that can go towards program eligibility, which are, in addition to the above basic requirements to be approved; The applicant must not have an IRS or Georgia state lienthe home owner must have been current on their home loan payments before the employment- related hardship began. Loss of income due to a divorce, illness or loss of child support do not qualify as a loss of income for the purposes of this program. The total balance owing on the mortgage is less than $4. Home owners can not receive help for mortgage payments while in the HAMP trial period, can not use Hardest Hit funds to pay for HAMP trial payments. Illinois Hardest Hit Fund. To qualify for Illinois’ Hardest Hit fund, applicant households must be able to show an income reduction of 2. The homeowner can be behind, or about to be behind in their monthly mortgage payments, with a family household income below 1. The Principal loan balance can not be more than $5. The mortgage loan must not be an interest- only mortgage or one with negative amortization. Finally, the current mortgage lender must agree to accept payments. The maximum payment to the homeowner will be either $2. The fund provides reinstatement assistance for households behind on their mortgage, providing up to 1. The applicant has to make a contribution payment of 3. Indiana. Successful applicants to the Indiana Hardest Hit fund program will meet the following criteria; Must meet certain income guidelines. Any delinquent payments on record must have occurred after the hardship. At least 3. 0% of the applicants gross monthly household income must go towards the monthly payments for principal, interest, home owners insurance and property taxes. Must own only 1 home, it must be located in Indiana, and the applicant must be a resident of the State of Indiana. Liquid assets can not exceed 6 months of mortgage- related expenses (excludes retirement accounts)Cannot have an active bankruptcy, and if discharged, applicant must be able to prove reaffirmation. Must attend a job training program, related educational courses or forty hours of volunteer activities per month for each month the applicant receives Hardest Hit fund financial support. Kentucky. Kentucky offers a Unemployment Bridge Program, designed to assist successful applicants in continuing to maintain their mortgage payments. To be eligible, the homeowner must have lost their job or experienced a reduction in income due to the recent change in the economy (must have occurred after January 1, 2. Kentucky. The maximum amount of assistance is $2. Of the $2. 0,0. 00, the maximum amount that may be used for all related fees and payments to bring the mortgage current is $7,5. Successful applicants must also meet the following criteria; The maximum amount of the value of the liens on the property cannot be more than $2. There may be no more than two liens permitted on the property. Either the applicant’s principal, interest, taxes, and insurance (PITI) must exceed 3. Liquid assets can not exceed 6 months of mortgage- related expenses (excludes retirement accounts)Applicants must sign a letter of hardship indicating the reduction in income they have suffered (also claiming that the loss or reduction was no fault of their own)The institution that holds the debt for the home loan must be enrolled as a participating servicer. Michigan. Michigan offers three programs to assist homeowners who are experience hardships, impacted by recent changes in the economy. The three programs are; Unemployment Mortgage Subsidy Program. This program offers homeowners the chance to keep their home by helping out with mortgage payments and by correcting any missed mortgage payments which occurred during their period of unemployment. The maximum amount available for each homeowner who requires assistance in becoming current on their mortgage payments is $3,0. In addition, the applicant must show receipt of Michigan Unemployment benefits. The program will provide up to $7. The balance of the home loan will be withdrawn directly from the homeowner’s bank account each and every month for the duration of the assistance. Mortgage Loan Rescue Program. Designed specifically to return the homeowner to current status on their mortgage payments, these funds (max. Homeowners who have a second mortgage can also use these funds to help repair that agreement, however the homeowner must be able to show that the primary mortgage is current. To qualify, the homeowner must be able to show that the hardship that impacted their ability to maintain their mortgage agreement was involuntary or based on recent economin changes, and that they have resolved a recovery plan to get mortgage payments under control and that they are able to carry their mortgage(s) going forward. Principal Curtailment Program. This fund provides assitance to homeowners who would like to modify their mortgage agreement to be able to make the payment structure something more affordable. The maximum amount of assistance is $1. Joomla Templates - Professional Joomla Templates Club. Money back guarantee. No hassles, no question asked! Tutorial Videos; Blog; Download. Joomla Templates Club. Responsive Travel New & Magazine Joomla Template. Version: 1.0.0 1; 2; 3; 4; 5; Read more. SJ Preschool Responsive Joomla Kid School Template - SJ. 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