Q:

How do you qualify and apply for SC Help as a homeowner?

A:

Quick Answer

As of 2015, South Carolina homeowners having difficulty paying their mortgages qualify for SC Help regardless of their regular household income, as long as the original loan was not over $729,750, reports the South Carolina Homeownership and Employment Lending Program. Determine eligibility and apply online at SCHelp.gov.

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Full Answer

To determine your eligibility for SC Help, go to SCHelp.gov, click on Am I Eligible in the toolbar at the top of the page, and answer the questionnaire, advises the South Carolina Homeownership and Employment Lending Program. Generally, you are eligible if you are a South Carolina homeowner needing mortgage assistance because of unemployment, underemployment, divorce, overwhelming medical expenses or the loss of a marriage partner. SC Help can assist you with monthly mortgage payments, provide a direct loan to catch up with late payments, help with funding for modification of a mortgage, or provide a grant for transitioning to rental housing. Those who have filed for bankruptcy are not eligible for SC Help, points out Nolo.

Apply for SC Help on the SCHelp.gov website by clicking on Get Started, explains the South Carolina Homeownership and Employment Lending Program. Fill in all required information as you follow the prompts step-by-step. Have documentation available to substantiate your financial situation. After you finish your online application, a local-processing agency contacts you by email or phone to assist you with the rest of the document gathering and application procedure.

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