Home Ownership Services may help prevent loss of a home, providing services such as:

• House payments (mortgage or land contract payments), including principal, interest, legal fees and escrow for taxes and insurance
• Property taxes and fees
• Mobile home lot rent for owners or purchasers of mobile homes
• Insurance coverage required by a mortgage or land contract.

The lifetime Home Ownership Services maximum is $2000. The lifetime maximum is the combined cumulative total of all home ownership service payments. Home Ownership Services cannot be approved if the emergency was client-caused. The total amount of taxes past due for all years does not exceed $2,000.

A client-caused emergency is when an SER group fails to pay required payments for the six-month period prior to the month of application. Good cause may exist (except for property taxes) as a basis for an applicant’s failure to prevent an emergency.

Only a DHS Specialist can accurately determine your eligibility for this program. Ask for details when turning in a completed application at your local DHS County Office.