Emergency Homeowners' Loan Program (EHLP)

This program is no longer accepting applications. Contact a foreclosure prevention counselor or a local NeighborWorks organization for help.

The Dodd-Frank Wall Street Reform and Consumer Protection Act provided $1 billion to the U.S Department of Housing and Urban Development (HUD) to implement the Emergency Homeowners' Loan Program (EHLP). HUD contracted with NeighborWorks America to administer the program.

EHLP provides mortgage payment relief to homeowners who have experienced a drop in income of at least 15 percent due to involuntary unemployment or underemployment caused by adverse economic conditions and/or a medical emergency. The mortgage relief covers past-due payments, as well as a portion of homeowners' upcoming installments for as long as 24 months (up to $50,000).


“This house is everything to my family. It’s home to us and we want to hang on to it."
Patricia Brown
North Lauderdale, FL

Resources for approved borrowers

Who does EHLP assist?

The program provides mortgage relief to homeowners who have experienced a drop in income of at least 15 percent due to involuntary unemployment or underemployment caused by adverse economic conditions and/or a medical emergency. Learn more about who EHLP assists.

How does EHLP work?

EHLP provides participating homeowners with a zero-interest, forgivable bridge loan. Read more about how EHLP works.

EHLP states
Substantially similar states
States not participating in EHLP