Anderson Launches COVID Mortgage Assistance Program to Help Many People in Need

ANDERSON, SC (WSPA) – The city of Anderson is now accepting applications for COVID-related mortgage assistance for those in need.

The city has received more than $ 200,000 in federal funding from the US Department of Housing and Urban Development (HUD), to help residents who are unable to pay their mortgage payments due to loss of income from COVID -19.

“This is a program that we believe will greatly benefit the Anderson community. This is available for people who live in the city and meet income eligibility criteria, as well as must own the home, must be delinquent and several other factors. But it is definitely something that will help people who have gone through hardship and hopefully help them catch up with the arrears owed and be able to help them and give up to a maximum of $ 5,000 ”, said Erica Craft, Director of the Community Development Division, for the town of Anderson.

Some people in Anderson said the struggle was real during the pandemic.

“Every day at my job, someone talks about being late. All you hear are bills, bills, bills, ”said resident Breona Hughes. “You work, you’re overworked, but the way your bills are set, you’re already late, your check is gone before it hits your hand. So people are definitely behind on the bills.

“We often get calls. We also operate a fair housing hotline that we refer to a number of clients, to try and help them with any kind of assistance they need. And so far, I don’t know of any other program in this area that would help mortgage holders, ”Craft said. “Many people, as you know, have been significantly affected by the pandemic. Some have suffered a loss of pay or their hours may have been reduced, and sometimes there have been total job losses. Thus, this program allows us to help people who have experienced some type of difficulty due to COVID, or who may have had increased expenses, which they are able to document, which we may be able to help them. Said Craft.

Anderson County United Way said the need was great.

“We respond to calls every day from people on the verge of eviction who need housing,” said Brandy Singleton, director of Community Impact. & SC Disaster Corps for the United Way of Anderson County.

Singleton said that in September alone, they received 212 calls from people needing help with their rent or mortgage, which is higher than what the nonprofit saw last year.

“We have actually seen an increase in our call line and 211 resources,” Singleton said. “So our appeals for this year, in September, went up 59% to those in need of help. “

The Town of Anderson has published the following program assistance requirements:

  • Must own and occupy property located within the city limits of Anderson.
  • Household income must be less than 80% of the region’s median income and meet other criteria to be eligible for assistance
  • The program will provide up to six months of past due mortgage payments, not to exceed $ 5,000 in total assistance.
  • Payments will be made directly to the mortgage company. It is expected that assistance will be provided to approximately 40 qualified households.
  • Provide the appropriate documentation as indicated below.

“This program, like many programs, is determined by income, and again, we are funded by the US Department of Housing and Urban Development (HUD). And for an example, a person who is part of a three-person household, we look at all the income of that household, but a three-person household the maximum amount they can earn at 80 percent of the median income of the area for that area, is $ 49,100. With the number of people per household, it increases slightly, ”said Craft.

Craft has provided the revenue table below for reference:

“First, we need to look at your mortgage statement and also determine that you are in arrears. We need to know your driver’s license information or photo ID. We would also need an income verification, ”said Craft. “We will allow people to continue submitting requests. We will process it on a first come, first served basis. And we will also be looking in the very near future to schedule another admission day where we will be here or some other convenient location to accept applications, answer questions and process documents.

Something the residents hope will be a game-changer for all who need it.

“I think it will help, because a lot of people need relief. A lot of people, like I said, are thousands and thousands of dollars behind, ”Hughes said. “You won’t have to focus on your mortgage, you can focus on other overdue bills,” she added.

“We are hopeful that we can get through this in a very short period of time. We know the need is there. We know people need help and we want to be able to help them, ”said Craft.

Anyone interested in applying for mortgage assistance can call 864-231-2223. You can also visit the Municipal Business Center at 601 S. Main Street in Anderson.

To find out more and download an application, Click here.