Homeowners residing in the states of Kansas and Missouri impacted by the COVID-19 pandemic can take advantage of homeowners’ assistance funds programs. Launched in 2022 with nearly $60 million in American Rescue Plan Act funds, the Kansas Homeowners Assistance Fund (KHAF) helps Kansas households get current on their mortgages and avoid foreclosure. It also provides assistance with property taxes, homeowners’ insurance and energy costs. Meanwhile, for those seeking financial relief on the Missouri side, the Housing Assistance Program (HAP) assists low-income and disabled people located within the Kansas City metro area. The HAP supplies information on emergency housing, transitional housing and rental subsidy programs for those who qualify. Participants of the HAP must meet medical disability requirements and be referred to the program by a case manager. Sader Law Firm attorneys who specialize in foreclosures are ready to help put a halt to your foreclosure situation. We can assist in…
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A new partnership between the city of Kansas City, Missouri, and the Missouri Housing Development Commission (MHDC) will continue to aid those facing housing insecurity through the distribution of $25 million in additional emergency rental assistance funding for residents facing financial difficulties. Through late December, the city distributed nearly $16 million of allocated Missouri Emergency Rental Arrears Program (ERAP) funding to about 3,600 households. The additional $25 million will be distributed as quickly as possible through the city’s service partner provider agencies, according to a press release from the city of Kansas City. Those needing assistance can visit the city’s website to find out more or to apply for assistance in paying rent and/or utility bills. ERAP funding represents just one option to address the houseless crisis and housing insecurity issue millions face, with the ongoing COVID-19 pandemic only exasperating the issues. If you are behind on payments or fear…
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If you have fallen behind on your mortgage and are facing the prospect of foreclosure, this blog can help you decide on strategies to save your home. Depending on your situation, a loan modification may be available through your bank or the federal government. However, using a loan modification to prevent foreclosure can be a risky choice. To be eligible for a loan modification, you generally have to be behind on your mortgage. Some people intentionally stop paying their mortgages to become eligible. In other cases, your lender may request lower payments (also called trial payments) while they determine your eligibility. These are partial payments and may not meet the minimum obligation on your mortgage. If your request for a loan modification is denied, your mortgage may be put in arrears and you may owe late fees for missed or partial payments. Having your loan modification request denied means you…
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