Georgia Mortgage Assistance is now accepting applications from Homeowners who suffered a financial hardship caused by the pandemic.

Assistance is up to $50,000 via a grant. Payments owed before July 1, 2019, or over $50,000, cannot be considered for assistance. For homeowners with mortgage payments over $50,000 or prior to July 1, 2019, a written workout arrangement approved by the lender for the difference, should the homeowner be approved for assistance, must be included with the application.

Types of Assistance

1. Mortgage Reinstatement: a one-time payment to the lender to catch up or reduce delinquent payments or payments currently in forbearance. Must owe three (3) or more mortgage payments to be considered for reinstatement assistance.
2. Principal Curtailment: a one-time payment to the lender to reduce the mortgage loan balance if the homeowner suffered a permanent loss of income caused by the pandemic.
3. Housing Related Expenses: a one-time payment to the vendor to bring or help bring the housing expense current.
   • Delinquent Association Fees
   • Delinquent Non-Escrowed Property Taxes
   • Due or Delinquent Non-Escrowed Property Insurance
   • Delinquent Water, Gas, and Electric Utility Bills (Only in conjunction with mortgage assistance)