You’re likely facing financial hardship due to COVID-19. You can get mortgage relief help. The Montana program assists with reinstatement and repairs.
Key Takeaways
- Montana Mortgage Relief Program aids homeowners in financial hardship.
- Income threshold is 150% of Area Median Income.
- Assistance includes mortgage reinstatement and utility help.
- Home repair grants address health and safety needs.
- Funding can reach up to $100,000 per household.
Eligibility and Application Process
As you consider applying for the Montana Mortgage Relief Program, it’s essential to understand the eligibility criteria, which require your gross household income to not exceed 150% of the Area Median Income (AMI) and that you’ve experienced financial hardship due to the COVID-19 pandemic since January 21, 2020.
You’ll need to meet specific application requirements, including income thresholds, to qualify for assistance.
Review the program’s guidelines to guarantee you meet the necessary criteria.
Available Assistance Options
You’ve determined your eligibility for the Montana Mortgage Relief Program and gathered the necessary application materials.
| Assistance | Grant Options | Assistance Qualifications |
|---|---|---|
| Mortgage | Reinstatement | Below 150% AMI |
| Property Tax | Lien prevention | Below 100% AMI |
| Utility | Essential services | Income-based |
| Home Repair | Health/safety | Below 150% AMI |
| Funding | Up to $100,000 | Specific allocations |
Home Repair and Utility Assistance
The Montana Homeowner Assistance Fund provides grants for home repairs of up to $100,000, prioritizing urgent health and safety needs for homeowners facing financial hardship due to missed mortgage payments or delinquent property taxes. The program increasingly relies on new technologies to simplify applications, verify eligibility faster, and speed up the delivery of funds.
You can receive assistance to resolve critical home safety issues—such as electrical, plumbing, or structural repairs—helping reduce financial pressure and prevent further housing instability. This support can be especially valuable for former service members who may be coping with income transitions, disabilities, or delayed benefits after military service.
Eligible homeowners may also qualify for utility assistance, ensuring essential services remain active and helping you maintain a safe, stable living environment during difficult financial periods.
Navigating the Homeowner Assistance Fund
If you’re struggling to make mortgage payments or facing financial hardship due to the COVID-19 pandemic, Montana’s Homeowner Assistance Fund (HAF) can provide critical support. You’ll need to conduct an impact analysis to determine eligibility, and the program’s $50 million funding allocation is distributed based on demonstrated need.
Alongside mortgage relief, the program may help you avoid displacement by connecting eligible households to shelter aid options when housing stability is at immediate risk. This layered approach strengthens protection against foreclosure and homelessness.
Review the program’s requirements and gather the necessary documents to apply for assistance. In many cases, locally funded charities work in coordination with HAF to offer supplemental support, counseling, and emergency resources, helping you stabilize your housing situation and move toward long-term financial recovery.
Additional Resources and Support
Having determined your eligibility for the Homeowner Assistance Fund, it’s time to explore what additional support is available to help you navigate the application process and address related housing challenges.
You can access community outreach programs and legal assistance through organizations such as Montana Legal Services Association, which offers guidance on homeowners’ rights and support with civil legal matters—helping you stay informed and protected at every stage.
Beyond housing-focused help, many community partners also connect eligible households to dental services and healthcare assistance, reducing out-of-pocket medical costs that often worsen financial strain. This combined support strengthens overall stability, making it easier to maintain housing while addressing essential health needs.
State-by-State Mortgage Relief Programs: Eligibility, Benefits, and Assistance Details
| Alabama | Alabama’s mortgage relief program assists homeowners behind on payments due to hardship. Aid typically covers past-due mortgage balances, escrow shortages, and foreclosure prevention through income-based eligibility. |
| Alaska | Alaska offers mortgage relief for income-qualified homeowners facing financial hardship. Assistance may cover delinquent payments, property taxes, and homeowner insurance to stop foreclosure. |
| Arizona | Arizona’s mortgage relief program helps homeowners catch up on missed payments. Funds are typically applied directly to lenders for arrears, escrow balances, and foreclosure prevention. |
| Arkansas | Arkansas provides mortgage relief to eligible homeowners experiencing hardship. Assistance generally targets overdue mortgage payments, taxes, and insurance to prevent foreclosure. |
| California | California’s mortgage relief program offers grants to homeowners behind on payments. Funds may cover past-due mortgage balances, property taxes, and insurance, with strict income limits. |
| Colorado | Colorado mortgage relief assists homeowners facing foreclosure due to hardship. Support typically includes payment arrears, escrow shortages, and lender-direct assistance. |
| Connecticut | Connecticut’s program helps homeowners avoid foreclosure by covering overdue mortgage payments, taxes, and insurance for income-qualified applicants. |
| Delaware | Delaware mortgage relief offers financial assistance for homeowners behind on payments. Aid is applied toward mortgage arrears and foreclosure prevention costs. |
| Florida | Florida’s mortgage relief program supports homeowners with missed payments due to hardship. Funds typically pay delinquent mortgage balances directly to servicers. |
| Georgia | Georgia provides mortgage relief to income-qualified homeowners facing foreclosure. Assistance usually covers arrears, escrow shortages, and lender fees. |
| Hawaii | Hawaii’s mortgage relief program helps homeowners behind on payments. Eligible applicants may receive aid for past-due balances, taxes, and insurance. |
| Idaho | Idaho mortgage relief assists homeowners experiencing hardship. Funds are typically used for overdue mortgage payments and foreclosure avoidance. |
| Illinois | Illinois offers mortgage relief grants for homeowners in default. Assistance may cover past-due payments, escrow shortages, and foreclosure costs. |
| Indiana | Indiana’s mortgage relief program supports homeowners facing financial hardship by paying overdue mortgage balances and preventing foreclosure. |
| Iowa | Iowa provides mortgage relief for homeowners behind on payments. Aid typically targets arrears, taxes, and insurance through income-based eligibility. |
| Kansas | Kansas mortgage relief assists qualifying homeowners by covering missed payments and foreclosure-related costs during hardship. |
| Kentucky | Kentucky’s program helps homeowners catch up on delinquent mortgage payments. Funds are usually paid directly to mortgage servicers. |
| Louisiana | Louisiana mortgage relief supports homeowners facing foreclosure. Assistance commonly includes overdue payments, taxes, and insurance. |
| Maine | Maine offers mortgage relief to income-qualified homeowners. Aid is typically used for mortgage arrears and foreclosure prevention. |
| Maryland | Maryland’s mortgage relief program assists homeowners behind on payments by covering delinquent balances and escrow shortages. |
| Massachusetts | Massachusetts provides mortgage relief grants to homeowners in default. Assistance may include past-due payments and foreclosure costs. |
| Michigan | Michigan’s mortgage relief program helps homeowners experiencing hardship catch up on missed payments and avoid foreclosure. |
| Minnesota | Minnesota mortgage relief assists homeowners with overdue mortgage balances, escrow shortages, and foreclosure prevention. |
| Mississippi | Mississippi offers mortgage relief for income-qualified homeowners behind on payments due to hardship. |
| Missouri | Missouri’s mortgage relief program helps homeowners cover past-due payments and stabilize housing during financial distress. |
| Nebraska | Nebraska’s program supports homeowners behind on payments through direct mortgage arrears assistance. |
| Nevada | Nevada mortgage relief helps homeowners avoid foreclosure by paying overdue mortgage balances and related costs. |
| New Hampshire | New Hampshire offers mortgage relief to income-qualified homeowners struggling with missed payments. |
| New Jersey | New Jersey’s mortgage relief program provides grants to cover past-due mortgage payments and prevent foreclosure. |
| New Mexico | New Mexico mortgage relief assists homeowners facing hardship by covering arrears, taxes, and insurance. |
| New York | New York’s mortgage relief program helps homeowners behind on payments with grants for arrears and foreclosure prevention. |
| North Carolina | North Carolina mortgage relief supports homeowners in default by covering overdue payments and escrow costs. |
| North Dakota | North Dakota provides mortgage relief for homeowners facing financial hardship and foreclosure risk. |
| Ohio | Ohio’s mortgage relief program assists homeowners behind on payments with direct lender payments. |
| Oklahoma | Oklahoma mortgage relief helps eligible homeowners catch up on mortgage arrears and avoid foreclosure. |
| Oregon | Oregon offers mortgage relief grants covering overdue mortgage payments, taxes, and insurance. |
| Pennsylvania | Pennsylvania mortgage relief assists homeowners facing hardship by paying delinquent mortgage balances. |
| Rhode Island | Rhode Island’s program supports homeowners behind on payments through arrears and foreclosure assistance. |
| South Carolina | South Carolina mortgage relief helps income-qualified homeowners avoid foreclosure by covering missed payments. |
| South Dakota | South Dakota provides mortgage relief assistance for homeowners experiencing financial hardship. |
| Tennessee | Tennessee’s mortgage relief program offers help with delinquent mortgage payments and foreclosure prevention. |
| Texas | Texas mortgage relief assists homeowners behind on payments by covering arrears through income-based eligibility. |
| Utah | Utah’s mortgage relief program helps homeowners catch up on missed payments and stabilize housing. |
| Vermont | Vermont’s mortgage relief program assists homeowners facing hardship by paying overdue mortgage balances, taxes, and insurance through income-based eligibility. |
| Virginia | Virginia mortgage relief supports homeowners in default with grants for arrears and foreclosure prevention. |
| Washington | Washington’s mortgage relief program provides direct assistance for overdue mortgage payments and housing stability. |
| West Virginia | West Virginia offers mortgage relief for homeowners experiencing hardship by covering delinquent payments. |
| Wisconsin | Wisconsin’s mortgage relief program assists homeowners with overdue mortgage payments and foreclosure avoidance. |
| Wyoming | Wyoming mortgage relief helps eligible homeowners catch up on missed payments and reduce foreclosure risk. |
Frequently Asked Questions
What Is the Mera Program in Montana?
You’re learning about MERA, it’s a program where you check MERA eligibility criteria, then follow the MERA application process to get financial aid if you’re eligible.
What Is a Mortgage Hardship Program?
You’re exploring mortgage assistance options, and a mortgage hardship program offers financial hardship solutions, providing relief to homeowners struggling with payments due to unforeseen circumstances, via grants or loans.
What Is the Mortgage Rate Relief Program?
You’re searching for a lifeline, and the Mortgage Rate Relief Program offers it, providing mortgage assistance and financial support to help you stay afloat during turbulent times.
What Is the Homeowner Relief Fund?
You’re eligible for homeowner assistance, receiving financial support through grants for mortgage reinstatement, property taxes, and utility costs, providing essential relief to homeowners facing financial hardships.
Conclusion
You’re lucky to be struggling to pay your mortgage, as it makes you eligible for the Montana Mortgage Relief Program. Ironically, your financial hardship can be a blessing in disguise, providing access to up to $100,000 in assistance. You’ll receive support for reinstatement, taxes, and repairs, stabilizing your housing situation and ensuring a safe living environment.