The HomeOwnership Center Mortgage Assistance Program Program Guidelines

Ciara Lewis Community News

Mortgage Assistance Program
Program Guidelines

The HomeOwnership Center of Greater Dayton has partnered with Montgomery County and the federal CARES (Coronavirus Aid, Relief, and Economic Security) Act to help local homeowners who have been adversely affected by the COVID-19 pandemic. The Mortgage Assistance Program helps homeowners to catch up on their mortgage and ultimately avoid foreclosure.

Applicants must:
 Own a home (primary residence) in Montgomery County with an original mortgage of 300,000 or less.
 Have had a loss of employment income after March 1, 2020 due to COVID-19 that impacted the homeowner’s ability to pay their mortgage. The loss of income could have been caused by a layoff, reduced work hours, furlough, or reduction in pay.
 Be behind on their mortgage or currently in a forbearance agreement.
 Complete an application, provide required documentation, and discuss their circumstances with HomeOwnership Center staff.
 Participate in follow-up with HOC staff regarding the applicant’s financial and mortgage status.

The HomeOwnership Center will:
 Review the specific circumstances for each applicant to determine eligibility.
 Communicate with the applicant’s mortgage lender to determine the status of the loan and options to bring the mortgage up to date.
 Provide up to $10,000 to be applied directly to a qualified applicant’s mortgage to bring the account current. The amount of assistance will be based on individual circumstances including the status of the mortgage.
 Provide follow-up with Mortgage Assistance Program recipients.
 Offer additional services to applicants such as financial fitness, foreclosure prevention, debt management and community referrals.

Applications will be accepted via our website:, or may be delivered to the drop box located behind our offices at 130 West 2nd Street, Dayton, OH 45402. Additional program requirements apply.

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