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Mortgage Payment Assistance

Based on your answers to our pre-qualification quiz, you may be eligible for Mortgage Payment Assistance. Read below to get started.

Get Help Paying Your Mortgage: HomeSafe Georgia's Mortgage Payment Assistance Program

Mortgage Payment Assistance (MPA) offers up to 24 months of assistance for eligible applicants who have had an unemployment or underemployment hardship in the last 36 months and need help paying mortgage monthly. Of the 24 months, up to 12 months may be used to reinstate first and some second mortgages. Mortgage payment assistance ends when the homeowner is able to sustain the mortgage payment, when reserved funds are exhausted, or when 24 monthly payments have been provided, whichever comes first. Under MPA, you may be required to make partial payments toward your mortgage during your participation in the program. If you are now employed and are able to make your currently monthly payments but are behind on your mortgage, MPA offers a onetime payment to your lender for up to 12 months of mortgage help to bring your mortgage current.

There is no cost to apply and no closing cost if you are approved to receive mortgage help. The goal of this program is to provide monthly mortgage payment assistance while you search for new or better employment.

Before you begin an application for HomeSafe Georgia mortgage help, there are a few things to note:

  • Your lender must be participating in HomeSafe Georgia. Check here
  • The online application is just the first step toward financial hardship assistance. You will need to download, print, complete and sign your application where indicated. A checklist and instructions are printed with the application, and should be submitted with the application along with your supporting documents by fax, mail or delivery to us.
  • You will need to write a hardship letter as part of your application detailing your situation that qualifies you to apply for mortgage payment assistance. Click here for instructions.
  • For mortgage payment assistance eligibility requirements, click here.
  • For more of what to expect in the application process, click here.
If you would like to learn more about our other programs, visit our Mortgage Reinstatement Assistance and Mortgage Payment Reduction pages.

To apply for Mortgage Payment Assistance, click here.


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