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Mortgage Reinstatement Assistance


Mortgage Reinstatement Assistance (MRA) offers financial hardship help to eligible applicants who can currently afford their mortgage payments, but had fallen behind on payments due to a qualifying military, medical or death hardship that began in the last 36 months. Financial hardship assistance is provided for up to 24 months in a onetime payment made directly to your mortgage lender.


There is no cost to apply and no closing cost if you are approved. The goal of the program is to bring a delinquent mortgage current.


Before you begin an application, 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 why you are seeking a financial hardship grant under the Mortgage Reinstatement Assistance program. Click here for instructions.
  • For Mortgage Reinstatement 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 financial hardship programs that offer different types of assistance, visit our Mortgage Payment Assistance and Mortgage Payment Reduction pages.


To apply for Mortgage Reinstatement Assistance, click here.

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