The CARES Mortgage Assistance 2021 Logo

 

Are You Eligible?

If you have a hardship caused by COVID 19 and need assistance to pay your mortgage you MAY be eligible for assistance.

Help, I don't qualify.

 

Having Trouble Paying Your Utilities or Rent?
We're Here to Help.

The CARES Mortgage Assistance 2021 works to help renters get the assistance they need to avoid utility shutoff or eviction. The CARES Mortgage Assistance 2021 is administered by the Lorain County Community Action Agency (LCCAA).


Am I Eligible?

You may qualify if you can answer yes to the following questions.

  • Does your household income meet the program's limits?
  • Are you a renter household?
  • Has someone in your household (1) qualified for unemployment or (2) had a decrease in income or increase in expenses due to Covid-19?
  • Is someone in your household at risk for housing instability or homelessness?

How Much Assistance is Available?

Every household's situation is different, so the amount of assistance you may receive will be specific to your needs.

Please have all your information and documents ready to ensure faster processing of your application. An application will not begin the review process until all information has been received.

If you are requesting rental assistance, make sure the amount you request will be accepted by your landlord. If they challenge the amount, it can delay your application's processing.


How Can the CARES Mortgage Assistance 2021 Help Me?

Depending on your circumstances, The CARES Mortgage Assistance 2021 may:

  • Bring your delinquent rent or utility bill(s) current.
  • Pay up to 3 months of future rent.
  • Provide a stipend for internet.

How Do I Apply?

After you answer the prequalifying questions, you must complete an application for assistance and provide documentation.


What Happens Next?

If you qualify for rent assistance, CDBG-2021-M will request approval from your landlord/property manager. If your landlord/property manager approves, CDBG-2021-M will send payments directly to them to bring your rent current.

If you qualify for utility assistance, the CDBG-2021-M will work with your utility company(ies). If your utility company(ies) approve, CDBG-2021-M will send payments directly to them to bring your utilities current.

If you qualify for internet assistance, CDBG-2021-M will send you an internet stipend.


What Else Do I Need to Know?

LCCAA works with nonprofit groups and does not charge a fee for its services. Beware of calls and other solicitations from companies offering to assist you in return for payment.


Lorain County Community Action Agency



FAX: (440) 398-8081

MAILING ADDRESS:
ATTN: CARES Mortgage Assistance 2021
936 Broadway Avenue
Lorain, Ohio 44052

CDBG-2021-M provides assistance on a fair and equal basis regardless of race, color, religion, sex, familial status, national origin, military status, disability or ancestry. Please visit https://lccaa.net for more information.

What does it mean to be "ready to upload"?


  • Your documentation meets the date and content requirements;
  • You have your documentation available as a legible:
    • High resolution scan as a Jpeg, PNG, or PDF;
    • High resolution photo as a Jpeg or PNG;
    • Downloaded PDF from the original document provider
  • You have either an email address or a cell phone number capable of receiving texts (data and messaging rates from your provider apply);

It is important to check the legibility of your photos and/or scans otherwise it can delay your application. Not sure if your documents are legible? Click Here for an Example.

Have all your documents ready?

Click Here to Apply Document Checklist

Below is a sample cropping of the same document:


Sample of a legigible and illegible document.

Pinch to zoom in.


If you do not have the ability to get digital copies of your documents - you can:
FAX: (440) 815-8181
WATER UTILITY FAX: (440) 398-8081
MAILING ADDRESS:
ATTN: CARES Mortgage Assistance 2021
936 Broadway Avenue
Lorain, OH 44052.


Be sure to include your application number on your fax cover sheet

If you do not have the ability to get digital copies of your documents - you can:
FAX: (440) 815-8181

MAILING ADDRESS:
ATTN: CARES Mortgage Assistance 2021
936 Broadway Avenue
Lorain, OH 44052.


Be sure to include your application number on your fax cover sheet

Pinch to zoom in.


We're sorry, but you do not qualify for the The CARES Mortgage Assistance 2021 program.


Based on the answer(s) you have provided in the prequalification questionnaire, unfortunately you do not qualify for our program.

Help, I don't qualify.

If you feel you reached this in error, please call us at and we can help clarify any questions.

 

Documentation Checklist


Please make sure you have copies of all your required documents  ready for uploading or for faxing or mailing:


To apply for CARES Mortgage Assistance 2021 (CDBG-2021-M), Applicants must submit all documents below.

  • Two approved proofs of citizenship and identification for the Head of Household.
  • Two approved proofs of residency for the Head of Household.
  • A copy of your signed lease.
  • Copy of late notice, shut-off notice, eviction, or 3 day notice.
  • 30 days of household income (pay stubs or receipts) for each household member 18 and older.
  • A copy of your water bill, if applying for utility assistance.

Do you have all your documents ready?
Lorain County Community Action Agency ©2020 — 2021.