Want to minimize the time your application is spent in processing? Follow these guidelines:
the eligibility requirements. HomeSafe Georgia has three programs and you
must meet all eligibility requirements for a program to receive assistance. Qualifying
hardships include unemployment, underemployment, military, medical, death, and
permanent loss of income. The hardship
must have begun in the last 36 months. See
the “Eligibility Requirements” tab for details for each program. Not all applicants will qualify and we are
unable to make exceptions to our requirements.
online. Select the “Start Now” button. The online application usually takes
an hour. (Applications are also
available upon request.) The applicant must be the homeowner or the spouse of
the homeowner, residing in the property.
The application must include the spouse (if applicable) and anyone who
is legally bound to the home. Your hardship letter in the application must be
clear and concise, listing the name of the person with the hardship, the type
of hardship, the date the hardship started, and how the hardship affected the
mortgage payment. If applying for
assistance due to a medical hardship, do not include any details regarding
medical conditions but use the form printed with the application package.
application package is required. Completing the online application is the first step. You must
download, print, complete, and sign the application. A submission list is printed as part of the downloaded
application. You must gather the required documents listed, and along with your
application, submit the application package to us.
4. Review. Read
your application and review your supporting documents as if they were new to
you. Is your application and hardship
clear? Have you gathered all the
the application package. The
application package should be faxed, mailed, or delivered to our office. A
complete application means we have all information required to make an
eligibility decision. If you have a foreclosure sale date, notify us
immediately and provide a copy of the attorney’s letter. We will expedite your application. (All documents are still required.)
6. Acknowledgment. An
email acknowledgment of receipt will be sent within 10 to 15 business
days. Your application will be assigned
within 3 to 4 weeks of receipt to a counselor or processor to work, and they
will contact you. Submit any
documentation requested as quickly as possible and follow up to make sure it
In most cases, an eligibility decision can be made by the
counselor/processor in 60 days.
Underwriting, closing, and lender approval will take approximately 45
HomeSafe Georgia provides temporary mortgage assistance to eligible
homeowners through a subordinate no interest, forgivable loan. HomeSafe Georgia does not change the terms or
conditions of your existing loan.
Free use of computers, faxes,
and copiers is available at most Dept. of Labor Career Centers.
The application package will be reviewed by a processor
or counselor. If the application package
is incomplete or the eligibility is uncertain, additional items will be
requested. Failure to provide the requested items within 30 days of the request
will result in the withdrawal of the application.