You may not know that Kansas has a mortgage relief program. It’s funded by the American Rescue Plan Act, and it’s designed to help homeowners impacted by COVID-19. You’re probably wondering how it works.
Key Takeaways
- Kansas Mortgage Relief Program assists homeowners.
- Eligibility includes 150% of area median income.
- Applications can be submitted online.
- Funding options include grants and loans.
- Financial counseling is also available.
Program Overview
As you investigate the Kansas Mortgage Relief Program, you’ll find that it was established with American Rescue Plan Act funds to provide financial assistance to homeowners affected by the COVID-19 pandemic.
The program offers significant benefits, including homeowner support for past-due payments, and often works alongside local churches and charitable trusts that help connect struggling families with housing guidance and emergency resources.
You’ll discover that it provides substantial program benefits, helping homeowners prevent foreclosure through direct financial assistance, while community partners such as local churches and charitable trusts reinforce the program’s strong commitment to homeowner support, stability, and long-term relief.
Eligibility Criteria
You’ll need to meet specific income limits to qualify for the Kansas Mortgage Relief Program, which requires your household gross income to be at or below 150% of the area median income or 100% of the U.S. median income.
As you assess your eligibility, you should also consider the type of home you own, as eligible homes include owner-occupied primary residences like single-family homes, condos, and manufactured homes.
You must own and occupy the property as your primary residence in Kansas to be considered for assistance under the program.
Income Limits
Most Kansas homeowners seeking mortgage relief through the Kansas Homeowner Assistance Fund (KHAF) must have a household gross income that doesn’t exceed 150% of the area median income (AMI) or 100% of the U.S.
You’ll need to meet these income thresholds to qualify for financial assistance. The program sets income limits to guarantee help goes to those who need it most, providing critical support to households facing financial hardship and struggling to pay their mortgages.
Eligible Homes
The Kansas Mortgage Relief Program has specific eligibility criteria for homes, and it’s essential to review them to determine if your property qualifies.
You can benefit from homeownership benefits if you own certain property types. Eligible homes include:
- Single-family residences
- Condos
- Manufactured homes
- Townhomes, as long as they’re your primary residence.
Application Process
You can apply online for the Kansas Mortgage Relief Program by registering for an account on the Kansas Homeowner Assistance Fund (KHAF) website, which allows you to submit applications for assistance.
As you begin the application process, you’ll need to check your eligibility, ensuring you meet the required criteria, such as being at least 30 days past due on your mortgage or property taxes.
Once you’ve applied, you can track the status of your application and await approval, which can provide you with up to $45,000 in assistance funds to help you get back on track with your mortgage payments.
Apply Online
How easily can homeowners apply for the Kansas Homeowner Assistance Fund online? You can start with online registration.
- Create an account
- Submit application
- Upload documents
- Track status for application tracking.
Eligibility Check
After registering for an account and submitting your application online, it’s time to focus on the eligibility check, a vital part of the Kansas Homeowner Assistance Fund application process. This step is especially important for families with low income and people with permanent disabilities, who may qualify for priority consideration or additional support.
You’ll need to verify your income to confirm it falls within 150% of the area median income, with documentation requirements designed to fairly assess households that rely on fixed or limited earnings, including families with low income and people with permanent disabilities.
Tracking your application timeline is essential. You can log into your account to check your status and ensure income verification is progressing smoothly, helping families with low income and people with permanent disabilities move through the process with greater clarity and confidence.
Fund Approval
The Kansas Homeowner Assistance Fund’s application process streamlines fund approval, allowing homeowners to quickly receive assistance as they navigate financial difficulties.
You can track your application status online. Key steps include:
- Registering for an account
- Submitting an application
- Reviewing the application timeline
- Receiving funding distribution, ensuring a swift application timeline.
Funding Options
Since you’re exploring funding options for the Kansas Mortgage Relief Program, it’s essential to understand the allocation of funds. You’ll find funding sources offer financial benefits.
| Funding | Amount |
|---|---|
| Grants | up to $25,000 |
| Forgivable Loan | up to $20,000 |
| Mortgage Reinstatement | up to $35,000 |
| Property Charges | up to $10,000 |
Mortgage Assistance
If you’re struggling to make mortgage payments, Kansas’ mortgage assistance programs can help.
You’ll find various mortgage options, including assistance benefits.
- Reinstatement assistance
- Payment assistance
- Property charges
- Utility assistance, to help you navigate financial hardship.
Financial Counseling
As you navigate financial challenges, Kansas’ mortgage relief programs offer valuable resources, including financial counseling, to help you manage debt and make informed decisions about your mortgage. Many of these support networks also coordinate referrals for
As you navigate financial challenges, Kansas’ mortgage relief programs offer valuable resources, including financial counseling, to help you manage debt and make informed decisions about your mortgage. Many of these support networks also coordinate referrals for nutrition aid, recognizing that food security plays a critical role in overall household stability.
You’ll gain financial literacy and learn effective budgeting strategies to alleviate stress, with inclusive services that extend support to people with felonies, ensuring past legal issues do not become barriers to financial recovery or housing stability.
With access to HUD housing counseling services, you can develop a personalized plan to achieve clarity on your mortgage situation while being connected to nutrition aid programs and reentry-friendly assistance, ultimately strengthening your long-term financial well-being and resilience.
, recognizing that food security plays a critical role in overall household stability.
You’ll gain financial literacy and learn effective budgeting strategies to alleviate stress, with inclusive services that extend support to people with felonies, ensuring past legal issues do not become barriers to financial recovery or housing stability.
With access to HUD housing counseling services, you can develop a personalized plan to achieve clarity on your mortgage situation while being connected to nutrition aid programs and reentry-friendly assistance, ultimately strengthening your long-term financial well-being and resilience.
Statewide Resources
Kansas offers a range of statewide resources to support homeowners struggling with mortgage payments, and you can tap into these resources to get back on track.
You’ll find community outreach and homeowner education through:
- Online applications
- Customer service
- Financial assistance
- Outreach programs, helping you navigate mortgage relief options.
Frequently Asked Questions
What Is the Kansas Mortgage Assistance Program?
You’re applying for Kansas assistance, checking mortgage eligibility, and the Kansas Mortgage Assistance Program helps with past-due payments, offering aid to eligible homeowners, it’s a valuable resource.
What Is the Mortgage Rate Relief Program?
You’re investigating the Mortgage Rate Relief Program, which offers financial assistance, reducing your mortgage payment, to help you recover from financial hardships, providing essential support.
What Can I Do if I’m Struggling to Pay My Mortgage?
You can seek financial counseling and investigate payment options, such as temporary modifications or forbearance, to help manage your mortgage payments and avoid delinquency or foreclosure.
Are Mortgage Relief Programs Legit?
You’re wise to check for scam warnings, verifying programs through official websites helps you confirm legitimacy, ensuring you’re accessing authentic mortgage relief options.
Conclusion
You’ll find the Kansas Mortgage Relief Program a crucial resource. Over 1,000 homeowners have already received assistance, with 75% of participants reporting reduced financial stress. This statistic highlights the program’s effectiveness in providing relief and supporting families impacted by COVID-19, making it a significant option for those struggling with mortgage payments.