Mortgage assistance

The Home Ownership 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. This program can help homeowners 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

■ Be behind on their mortgage, or in a forebearance agreement with their mortgage company, as of 3/1/20 or later

■ Complete an application, provide required documentation, and discuss their circumstances with Home Ownership Center staff

■ Participate in follow-up with Home Ownership Center staff regarding the applicant’s financial and mortgage status

The Home Ownership 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

Applicants will be accepted at Home Ownership Dayton’s website, or may be delivered to the drop box located behind their offices at: 130 W. Second St., Dayton, OH 45402 Additional program requirements apply. Questions? Contact John T. Zimmerman, Vice President, Miami Valley Fair Housing Center, Inc. at john.zimmerman@mvfairhousing.com.