The Georgia Department of Community Affairs has expended nearly $30 million for mortgage re-reinstatement since the Georgia Homeowner Assistance Fund was opened in January.  The State of Georgia received $354-million dollars in stimulus funds through the American Rescue Plan Act to provide relief for Georgia homeowners who suffered a significant financial hardship due to the pandemic.

These funds have been administered by the Georgia Department of Community Affairs. HAF funds are designated to help eligible homeowners with mortgage reinstatement, reducing loan balance, or specified housing expenses. Eligible homeowners can receive up to $50,000 in assistance, payable to the lender or service provider. The amount received is based on program requirements.

Basic Eligibility Requirements include:

• The homeowner had a hardship caused by the pandemic, after January 21, 2020.

• The pandemic hardship resulted in a significant loss of income or a significant increase in expenses.

• The Georgia home is the primary residence.

• The mortgage loan (if there is a loan) met conforming limits at the time of origination.

• Applicants’ total income meets area median income limits at the time of the hardship or at the time of the application: 100%-150% AMI

Homeowners may visit georgiamortgageassistance.ga.gov to apply. Applicants must provide a driver’s license, a mortgage statement, and tax returns and/or income verification documents.

For more information, contact DCA at haf@dca.ga.gov or at 1.877.519.4443.