City of Toledo | Application for Emergency Mortgage Assistance Program…

The application period for the Emergency Mortgage Assistance Program, announced by Toledo Mayor Wade Kapszukiewicz during the State of the City 2021has been extended until 4:30 p.m. on Friday, April 30.

The program will provide assistance to 150 low to middle income households in the city. It is operated by the Toledo Department of Neighborhoods and funded by $1,526,505 in Community Development-CV Block Grant funding. Mortgage assistance will cover up to six consecutive months, including forbearance, overdue balances, late fees and penalties. Taxes and insurance can be paid if included in the regular mortgage payment. Residents can submit one application per property. Applicants’ gross household income must not exceed 80% of the area’s median income. Applications will be accepted, processed and approved on a lottery basis.

Applications will only be accepted electronically. The application and more information is available at Applicants can email questions to [email protected] or call 419-245-1435.

There are four Emergency Mortgage Assistance Program outreach meetings remaining for members of the public to complete in-person applications with assistance:

To be eligible, the following criteria must be met:

  • The applicant must own a residential property of 1 to 4 units in Toledo.
  • The owner must occupy at least one dwelling as his principal residence.
  • Owner must have a first or principal mortgage with a forbearance or outstanding balance due to COVID-19.
  • Mortgage must be current to February 29, 2020.
  • The property should not be offered for sale.
  • The applicant’s household must demonstrate a loss of income due to COVID-19.
  • Applicants’ household must have a maximum family income equal to or less than 80% AMI.