In 2010 the U.S. Department of Treasury, in partnership with the SC State Housing Finance and Development Authority and SC Housing Corp., made over $295 million available to help eligible South Carolina homeowners avoid serious first mortgage delinquency and foreclosure. The funds were awarded under Treasury’s Hardest Hit Fund program and are being distributed through SC HELP. SC HELP is available in all 46 counties of the state.
Types of Assistance
SC HELP is intended to assist borrowers who are facing first mortgage delinquency or possible foreclosure due to circumstances beyond their control like unemployment, underemployment or significant reduction in self-employment income. For some programs, death of a spouse, catastrophic medical expenses and/or divorce may be considered.
Other Eligibility Guidelines Include:
Other eligibility requirements will apply, and applicants must submit information including a hardship letter, bank statements and tax returns, income information, deed and mortgage account information in-order to be considered.
How to Apply
Applicants are encouraged to apply electronically through the application located at: www.schelp.com. Applicants without access to the Internet may call 1-855-435-7472, a statewide, toll free telephone number, for assistance. There is NO FEE required at any point during the SC HELP process.
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