Lakeshore CAP Mortgage/Water Assistance Program

Lakeshore CAP Mortgage/Water Assistance Program

HAVE YOU HAD A LOSS OF INCOME DUE TO COVID-19?

Lakeshore CAP

Mortgage and Water Utility Assistance Program

Solicitud de preselección de asistencia hipotecaria / de agua


Click on a link and fill out all information — that applies — for your household:

⇒Pre-Screen Application⇐

Español Pre-Screen Application


READ EVERYTHING BELOW BEFORE FILLING OUT THE PRE-SCREEN APPLICATION! 

This Mortgage and Water Utility Assistance Program is for residents of Manitowoc, Sheboygan, Door and Kewanee counties. Water utility assistance is also available for RENTERS through this same application (fill out only the parts that apply).

If your income has been affected by the COVID-19 pandemic and you are having trouble making your mortgage loan payment and/or water utility bill, please complete the above application. If contacted that you may be eligible for assistance, start locating/requesting the documents below:

  1. Documentation showing payments made between July 1, 2019 and the date you lost your income due to COVID-19.
  2. Bank statements for all checking and savings accounts for the 3 months prior to application.
  3. All income information, including unemployment, for the 3 months prior to application.
  4. Proof that you were not behind on mortgage payments or water utility bills until a COVID related incident happened.
  5. Photo ID of applicant (head of household only)
  6. Income statements for the 3 months prior to your loss of income due to COVID-19.
  7. Amount of government assistance received due to COVID-19 (other mortgage assistance, unemployment, water utility assistance, other).
  8. Plus, any other documentation requested by Lakeshore CAP.

ELIGIBILITY

  1. The house must be located in Manitowoc, Door, Sheboygan or Kewaunee county.
  2. The applicant must reside in the home for which the assistance is provided
  3. Household income must meet eligibility requirements. Chart located here:
    Household Income Limits.pdf
  4. Head of Household must be able to document that unpaid mortgage and/or water utility payments were the result of a COVID-19-related loss.
  5. Household cannot be more than 5 months behind in payments.

lcap

For questions please call Lakeshore Community Action Program at: (920) 682-3737.


For new home buyer assistance, please see our web page at: https://lakeshorecap.org/home-buyer/

Lakeshore CAP Property Tax Assistance Program

Lakeshore CAP Property Tax Assistance Program

HAVE YOU HAD A LOSS OF INCOME DUE TO COVID-19?

Lakeshore Community Action Program

Property Tax Assistance


Click on this link and fill out all information to be considered for assistance. The application may also be found on our Home page at: https://lakeshorecap.org/

⇒Pre-Screen Application⇐


READ EVERYTHING BELOW BEFORE FILLING OUT THE PROPERTY TAX ASSISTANCE PROGRAM PRE-SCREEN APPLICATION!

Lakeshore Community Action Program (CAP) is proud to announce a Property Assistance Program for residents of Manitowoc, Sheboygan, Door and Kewanee counties. We may provide up to $1000 of Property Tax assistance and help with water bills for eligible households.

If your income has been affected by the COVID-19 pandemic and you are having trouble making your property tax payment, please complete the pre-screen application. Should you be contacted that you may be eligible for assistance, please have on hand the documents below:

  1. Documentation showing payments made between July 1, 2019 and the date you lost your income due to COVID-19.
  2. Bank statements for all checking and savings accounts for the 3 months prior to application.
  3. All income information, including unemployment, for the 3 months prior to application.
  4. Proof that you were not behind on property tax payments until a COVID related incident happened.
  5. Photo ID of applicant (head of household only)
  6. Income statements for the 3 months prior to your loss of income due to COVID-19.
  7. Amount of other government assistance received due to COVID-19 (mortgage assistance, unemployment, etc.).
  8. Plus, any other documentation requested by Lakeshore CAP.

ELIGIBILITY

  1. The house must be located in Manitowoc, Door, Sheboygan or Kewaunee county.
  2. The applicant must reside in the home for which the assistance is provided
  3. Household income must be below 125% of the poverty level. Chart located here: Federal Poverty Limits
  4. Must be able to document that unpaid property taxes were the result of a COVID-19-related loss.
  5. Household must be behind in payments.

lcap

For questions please call Lakeshore Community Action Program at: (920) 682-3737.


If you meet eligibility requirements and are interested in BUYING a home, please see our web page at: https://lakeshorecap.org/home-buyer/

Complete the Manitowoc Housing Survey!

Complete the Manitowoc Housing Survey!

CITY OF MANITOWOC NEEDS YOUR HELP IN DEFINING HOUSING CHALLENGES AND OPPORTUNITIES!

The City of Manitowoc is taking a look at the local housing market and how it functions. They need your help to get a better understanding of challenges and opportunities you see and experience.

ADD YOUR VOICE HERE!

The Housing Survey can be completed online at https://www.surveymonkey.com/r/ManitowocHousing now through March 15.

 


Lakeshore Community Action Program has programs to assist homeowners and renters. Pre-screen applications for WERA (Wisconsin Emergency Rental Assistance), Mortgage Assistance and Property Tax Assistance are located on our Home page at: https://lakeshorecap.org/

Having Trouble Paying Mortgage?

Having Trouble Paying Mortgage?

MORTGAGE PAYMENT HELP FOR HOMEOWNERS

Many homeowners suffering financial hardship due to the COVID-19 pandemic may have difficulty making their mortgage payments. Most homeowners are eligible for help from their mortgage companies, but they have to ask for such help.

For most of us, our homes are the single largest financial investment we’ll ever make. They provide security for our families, which is especially important right now. We urge borrowers who are worried about making their mortgage payments because of the COVID- 19 pandemic to reach out to their mortgage company right away.

This relief is required under the federal CARES Act when a homeowner requests it. It applies to all mortgages insured or owned by the Federal Housing Administration (FHA), Veterans Administration, Rural Housing, Fannie Mae, and Freddie Mac. Borrowers with private mortgages may also be able to get assistance from their mortgage companies.

A federal law put in place two protections for homeowners with federally or Government Sponsored Enterprise (GSE) backed mortgages (FHA, VA, USDA, Fannie Mae, Freddie Mac). Learn about mortgage relief options and protections and if they’re right for your situation at: Consumer Finance/Coronavirus

If you don’t have a federally or GSE-backed mortgage, you still may have relief options through your mortgage loan servicer or from your state. By clicking on this link: Find out who owns or services your mortgage.

“Forbearance”

Most borrowers can delay making mortgage payments for up to twelve months by asking for what is known as a “forbearance.” Payments that are postponed due to forbearance can be caught up later by adding the payments to the end of the loan or working out another agreement to repay over time. In most cases, missed payments will not have to be paid back all at once. If borrowers cannot afford their regular mortgage payment after the forbearance ends, they can ask the mortgage company to review them for a more affordable payment.


Languages

Limited-English-proficient borrowers who need help understanding their options or who want help communicating with their mortgage company should contact a housing counseling agency approved by the US Department of Housing & Urban Development (HUD). Certified housing counselors at these agencies offer services at no cost. Borrowers can find a HUD-approved counseling agency with counselors who speak their language here: https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.


Contacts

  • English: Jan Kruse, jkruse@nclc.org or Izzy Woodruff iwoodruff@nationalfairhousing.org, 571-758-7759
  • Spanish: Agatha So aso@unidosus.org, 315-751-0283 or Nelson Santiago nelson.santiago@consumer-action.org, 213-624-4631
  • Chinese: Jamie Woo jamie.woo@consumer-action.org, 415-266-5712
  • Korean: Linda Jun linda@ourfinancialsecurity.org, 331-684-8083
  • Vietnamese, Bengali: Joyce Pisnanont housing@nationalcapacd.org, 510-452-4800 x 108

The following organizations have made this important information available in Spanish, Korean, Chinese, Vietnamese, Bangla and English: AFR Language Access Task Force, Americans for Financial Reform Education Fund, Center for Responsible Lending, Consumer Action, Empire Justice Center, National CAPACD, National Consumer Law Center, National Fair Housing Alliance, and UnidosUS.


See information and Pre-Screen Application for Lakeshore Community Action Program’s Mortgage Assistance Program at: https://lakeshorecap.org/lakeshore-cap-mortgage-assistance-program/

Sheboygan Mortgage Assistance Pre-Screen

Sheboygan Mortgage Assistance Pre-Screen

City of Sheboygan/Lakeshore CAP

Mortgage Assistance Program


Click on this link and fill out all information to be considered for assistance:

⇒Pre-Screen Application⇐


READ EVERYTHING BELOW BEFORE FILLING OUT PRE-SCREEN APPLICATION!

The City of Sheboygan and Lakeshore Community Action Program are proud to announce the Mortgage Assistance Program for City of Sheboygan homeowners who have been affected by COVID-19.

This program is funded through Community Development Block Grant-COVID relief funds received by the City of Sheboygan.

ELIGIBILITY

  1. The house must be located in the City of Sheboygan (Zip codes of 53081, 53082, 53083)
  2. The applicant must reside in the home for which the assistance is provided
  3. Household income must be below 80% County Median Income. Chart located here:
    Household Income Limits.pdf
  4. Household cannot be eligible for forbearance.
  5. Head of Household must be able to document that unpaid mortgage payments were the result of a COVID-19-related loss.
  6. Household cannot be more than 5 months behind in payments.

The Mortgage Assistance Program will provide up to 3 months of mortgage assistance to eligible households. For questions please call Lakeshore CAP at: (920) 682-3737.

GATHER DOCUMENTATION WHILE YOU WAIT!!!

Start locating/requesting documents below — prior to the program opening — in the event you are eligible for assistance.

  • Documentation showing mortgage payments made between July 1, 2019 and the date you lost your income due to COVID-19.
  • Bank statements for all checking and savings accounts for the 3 months prior to application.
  • All income information, including unemployment, for the 3 months prior to application.
  • Proof that you were not behind on mortgage payments until a COVID related incident happened.
  • Proof that you are not eligible for forbearance.(delaying payments)
  • Photo ID of applicant (head of household only)
  • Income statements for the 3 months prior to your loss of income due to COVID-19.
  • Amount of government assistance received due to COVID-19 (other mortgage assistance, unemployment, other).
  • Plus, any other documentation requested by Lakeshore CAP’s caseworker.

lcap