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What is SC HELP and what can it do for you?

SC HELP was launched in January 2011 to help responsible South Carolina homeowners who are struggling to make their mortgage payments stay in their homes during hard financial times. SC HELP is sponsored by the U.S. Department of the Treasury and the South Carolina State Housing Finance and Development Authority.

SC HELP is a FREE service.

There is no cost to you for applying for SC HELP. If anyone asks you to pay for mortgage help, it may be a scam.

Who does SC HELP assist?

If you are having trouble paying your mortgage due to:

  • Unemployment;
  • Underemployment;
  • Loss or drastic reduction of self-employment income;
  • Catastrophic health related expenses;
  • Divorce; or
  • Death of a spouse,

SC HELP may be able to help you to catch up on missed payments and/or make mortgage payments on your behalf while you get back on your feet.

Four ways SC HELP may help:

Monthly Payment Assistance: SC HELP assists eligible households by making their monthly mortgage payments, giving you time to get back on your feet. If you qualify, SC HELP will make the monthly mortgage payment directly to your bank.

Direct Loan Assistance: If you are behind on your mortgage payments, SC HELP may provide funds to get you caught up on your mortgage payments. For some, this will solve the problem. For others, Monthly Payment Assistance may also be available.

Transition Assistance: If the home cannot be saved by any of our other programs and goes to a short-sale or deed-in-lieu of foreclosure, SC HELP can provide a $5,000 grant to help you with expenses for moving into a rental situation.

Modification/Recast Assistance: This program provides funding in the form of a one-time payment to help homeowners qualify for an acceptable modification or recast (re-amortization) of their first mortgage, returning the homeowner to self-sustainability. Amounts past due on the first mortgage will be reinstated with this funding.

You may qualify for more than one type of assistance. There is a maximum assistance limit of $36,000 per household.

SC HELP is here for you!

Anyone can experience financial hardship, therefore, there is no limit on household income; however, original loan amount may not be more than $729,750.

You do not have to be behind on your mortgage payments to apply.

If you think you may qualify for SC HELP, we urge you to START NOW to see if you might qualify.