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Posted on: October 13, 2020

Skagit County COVID-19 Mortgage Relief Grant Program

SKMortgage

Skagit County COVID-19 Mortgage Relief Grant Program

Have you missed your mortgage payment because your income has been negatively impacted by COVID-19? You may be eligible for assistance. 

Funding is available to help homeowners who have fallen behind on their mortgage payments because their income has fallen due to COVID-19. This one-time grant is for eligible Skagit County residents to pay up $6,000 of past-due or currently due mortgage payments per household as a result of a temporary job loss, reduction in work hours or other income hardship caused by the COVID-19 pandemic.

Applications are available online and will be accepted until November 23, or until all funds have been spent. Completed applications can be mailed or hand-delivered from 9am-4pm to Skagit County Public Health, 700 S 2nd Street, Mount Vernon, WA 98273. You can find the application here: www.skagitcounty.net/Departments/HumanServices/HousingMain.htm

Eligible Uses of Funds

Direct payments will be made to the mortgage company on the applicant’s behalf. No payments will be made directly to the applicant. Payments may be used for mortgage principal, interest and Private Mortgage Insurance, but not for escrowed items like property taxes or hazard insurance.

How do I know if my income qualifies? 

To qualify, your household’s current adjusted gross income (AGI) has to be at or below 50 percent of the Area Median Income.  See the table.

What if my household income is currently over the limit? 

Unfortunately, you are ineligible for this assistance if your household income is above the maximum amount. If you can’t pay your mortgage, or can only pay a portion, you should contact your mortgage company immediately.  You should also know that if you have a federally insured or backed mortgage, there is currently a foreclosure moratorium that runs through December 31, 2020. Homeownership counseling and assistance is available to all Washington residents, and you can call the Washington Department of Financial Institutions toll-free number
 1-877-RING-DFI (746-4334) for assistance.   

Contact for Skagit Mortgage Assistance Program Questions: Skagit County Public Health at 360-416-1500 or housing@co.skagit.wa.us

 

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