Assistance in Georgia with a mortgage
Find help with your paying your mortgage in all GA cities such as Atlanta and Augusta. Non-profits and government agencies can provide foreclosure prevention services, home loan refinancing and free counseling. Also, residents can ask the housing counselors for referrals in an effort to find grant money to pay a past due mortgage or other owner related costs. Learn how to get mortgage assistance in Georgia.
There are both statewide programs as well as local resources. Any struggling homeowner, no matter their income, can find some organization to will help them stay in their home. There is mortgage relief as well as additional Georgia assistance programs that will assist homeowners in their time of need.
Local mortgage help and foreclosure prevention programs in GA
Many communities in Georgia have their own regional non-profits and government benefits for people struggling with a mortgage. In general, these assistance programs are localized - often run by a town, county or city such as Atlanta. The main local mortgage assistance programs include the following.
Atlanta organizations help low-income families pay a mortgage and/or stop a foreclosure. Fulton County and the greater region is served by a number of non-profit credit and housing counseling agencies. Many of their services are offered for free or at a low cost. Several law firms, including Legal Aid of Atlanta, can also advise borrowers on programs that can help people save their home from a foreclosure filing. Specialists from the centers will explore a number of mortgage delinquency and foreclosure prevention programs with the Atlanta homeowner. Read more on preventing a foreclosure in Atlanta.
- Mortgage relief and foreclosure counseling in Atlanta is offered from lenders too. Fannie Mae has opened a Mortgage Help Center in Atlanta that will provide homeowners with various services. Borrowers can meet face to face with dedicated housing and mortgage counselors to explore their options to dealing with a foreclosure filing. As part of this session, they can also learn about various federal and state government mortgage relief programs as well. Learn more on how to get Atlanta foreclosure and mortgage help.
Georgia Dream Homeownership Program helps people buy a home, and it can sometimes be used to refinance. There are also the Peach Plus as well as Peach Select Veteran Assistance options. The state will provide a grant to help low-income homebuyers or those with poor credit pay for the closing costs or the cost of organizing a low-interest rate mortgage. The amount offered varies by city in Georgia, and applicants must complete home buyer education workshops and meet other criteria. Call (404) 679-4840.
Mortgage assistance from non-profit organizations in Georgia is localized in nature. The federal government HUD agency has certified dozens of non-profit and community action organizations in Georgia to provide housing and foreclosure counseling to homeowners across the state. Most of this is offered for free. Read more on HUD housing counselors in Georgia.
Telamon provides mortgage payment help, foreclosure counseling, loan modifications and other services across Georgia. The non-profit helps everyone from low-income families to immigrants and single moms. Their assistance programs to help individuals manage finances, which can include grant money to help people avoid foreclosure. There are also programs for low-cost home loans for a refi or new buyers, and find details on Telamon assistance programs.
Statewide, temporary mortgage relief in Georgia
Some of the government mortgage relief programs in GA will change based on the year and government funding. As some organizations rely on money allocated by Congress or the state Assembly in Georgia. Examples of programs that help struggling homeowners, that operate from time to time, include the following.
The Georgia Department of Community affairs has programs from time to time, such as the GA Mortgage Assistance Program (GMA). They ramp up during statewide (or national) economic hardship times, such as recessions, pandemics and other events. The state offers assistance to homeowners impacted by financial hardships, including mortgage reinstatement and housing-related expense. More information is here. https://dca.georgia.gov/affordable-housing/home-ownership/georgia-mortgage-assistance-program.
Mortgage assistance for under and unemployed Georgia homeowners include an option from The Georgia Housing Finance Agency Innovation Fun. The name is the Hardest Hit Housing Markets, which is a program that was created with federal government funds. It is part of the hardest hit program. It helps individuals who have had a reduction in their income, such as an unexpected layoff or reduction in their household income. Learn more on Hardest Hit mortgage relief in GA.
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