The Emergency Homeowner's Loan Program (EHLP) application process has reopened in 27 states and Puerto Rico to give homeowners at risk of foreclosure more time to apply for the program. Applications will be accepted through September 15, 2011.

EHLP will assist homeowners who have experienced a reduction in income and are at risk of foreclosure due to involuntary unemployment or underemployment, due to economic conditions or a medical condition. Eligible homeowners can qualify for an interest-free loan, which pays a portion of their monthly mortgage for up to two years, or up to $50,000, whichever comes first.

How to Apply
To apply for EHLP, homeowners should do the following.

Complete the Applicant Worksheet and the Third Party Authorization.
Gather the applicable documents listed on the document checklist.
Submit the worksheet, authorization, and applicable documents to a participating EHLP agency. To find a participating agency: http://findehlp.com/

Although September 15 is the last day to submit documents, homeowners are strongly encouraged to submit all required documents quickly since EHLP funds are provided to qualified homeowners on a first-come, first-served basis.

EHLP States
Additional applications will be accepted in the following EHLP states: Alaska, Arkansas, Colorado, Hawaii, Iowa, Kansas, Louisiana, Maine, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, South Dakota, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and the Commonwealth of Puerto Rico.