Families or individuals who are Homeowners, and if they have lost their job and are struggling with their mortgage, or staring foreclosure in the face, these people could receive mortgage help in the form of Kno-Ho-Co-Ashland Community Action's mortgage payment assistance program. Call (740) 622-9801
The fairly new program being offered provides mortgage assistance to homeowners who have a mortgage that is three or more months past due and if they have experienced a job loss or major layoff in their family since Jan. 1, 2008. One other positive is that even those who have found new employment could still qualify for the aid if the current employment is at a significantly lower wage than what they were making.
The maximum grants being offered for the mortgage payment assistance program is $1,000 and the bank or lender who holds the mortgage must assure that the resident will be able to stay in the home for another 30 days with any existing foreclosure proceedings ending immediately.
Kno-Ho-Co-Ashland Community Action is hoping that it's not just a short-term financial assistance but that it will allow the lender and homeowner to work together toward a long-term resolution for the family to keep their home. The grants and funds from this program will be distributed to those in need on a first come-first served basis.
Other assistance programs offered by Kno-Ho-Co-Ashland Community Action (phone number above) include temporary emergency financial help and support for making both rent payments and utility bill payments. Rent must be at least 30 days past due and the applicant on the verge of eviction. Utility assistance covered include electric, natural gas, propane, heating oil, water, and sewer. Financial payments are generally the amount needed to retain or restore service or to pay enough rent to prevent the eviction. Although if that amount is large, the payment may not cover entire amount. This is a program of last resort and people most have gone through other options, like government programs. Clients cannot receive ongoing support from this program. Clients can receive rent or utility assistance only at most once per year. Also a food bank provides a 3-5 day supply of nonperishable food and free food vouchers for dairy products for those in need of help.
Holmes County Job and Family Services - Offers emergency aid, which is very limited, when a resident has no other options available to them. Only certain bills and expenses can be paid, including utility bill payment assistance (including water); appliances and repair of appliances; car and automobile repairs (find other car repair programs); clothing/shoes (work clothing or uniforms only); house/apartment/mobile home lot rent payments or security deposits; beds/mattresses (generally only for children, but in some cases may be approved for an adult if need is related to a disaster or a work-related situation); baby furniture; and housing expenses. Call (330) 674-1111.
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