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 Mortgage?
We're Here to Help.

The CARES Mortgage Assistance 2021 works to help homeowners get the assistance they need to avoid foreclosure. The CARES Mortgage Assistance 2021 is administered by "Lorain County Community Action Agency" (LCCAA) and funded by the Ohio Development Services Agency.


Am I Eligible?

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

  • Is your household income meets the program's limits.
  • Is at least one member of the household a US Citizen or legal resident?
  • Is the household located in Lorain County Ohio?

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 and sustainability.

Funding is awarded on a first come - first completed basis. Please have all your information and documents ready to ensure faster processing of your application.

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 LCCAA Help Me?

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

  • Make up to three months of payments.

How Do I Apply?

After you answer some eligibility questions, you must complete an application for assistance and gather some documentation.


What Happens Next?

If you qualify for assistance, LCCAA will pay your lender/servicer using your payment coupon.


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) 815-8181

MAILING ADDRESS:
ATTN: LCCAA
936 Broadway Avenue
Lorain, OH 44052

LCCAA 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

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.


Everyone must be prequalified before applying.

Click Here to Prequalify
Documentation Checklist

Please be prepared to upload copies of your documents in the Pre-Application Checklist. It is important to check the legibility of your photos and/or scans otherwise it can delay your application. To process your application you must have an active email account or access to text messages to receive notifications (provider text and data fees may apply). Funds are not guaranteed.


 


Question 1:

I am an authorized representative for, or am the Head of Household who is a resident in Lorain County Ohio?


 

Prequalification Statements



NOTE: Knowingly submitting incorrect answers to prequalify constitutes fraud, and may be prosecuted to the fullest extent of the law.


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.
 

Documentation Checklist


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



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.