Emergency Mortgage Assistance Program

Seminole County Emergency Mortgage Assistance (EMA) Program

The Emergency Mortgage Assistance Program is funded with $1.6 million of Community Development Block Grant – Corona Virus (CDBG-CV) funds. The CDBG-CV Emergency Mortgage Assistance Program assists Seminole County residents with expenses associated with mortgage and/or utility assistance after experiencing a financial hardship due to COVID-19, to prevent homelessness. Funding will be available for approximately 300 households.

Assistance will be provided on a first come, first served basis with a complete application, pending funding availability at the time of approval, for households that meet the eligibility criteria. 

Applications will be accepted through an online application portal, which will stop accepting applications after the first 500 are submitted. Assistance will be provided for past due unpaid mortgage and utility amounts and one prospective unpaid month, depending on need and funding availability. Balances owed prior to April 2020 are not eligible for assistance. 

Please call 407-665-0000 or email MortgageHelpLine@seminolecountyfl.gov for additional information or questions regarding the Emergency Mortgage Assistance Program.

For applicants needing assistance with computer access or scanning and uploading required documents, please visit the Emergency Rental/Mortgage Application Assistance Center, Monday-Friday, 8:30a.m.-3:00p.m., at 520 West Lake Mary Boulevard, Sanford. Appointments are preferred; please bring all required docuements to complete the application. 


Step 1: Check for Eligibility

Read the Frequently Asked Questions and review all required documents and eligibility criteria to ensure you qualify for this program. Do not start the application if you do not have all your required documents.

Step 2: Complete the Application

Complete the online application form through the Portal. Applicants are required to affirm and upload relevant documents to be considered for Seminole County’s Emergency Mortgage Assistance (EMA) Program.

Step 3: Application Review

Seminole County Government will evaluate the applicant’s documents for eligibility. Applications will be automatically rejected if documents are missing, falsified or illegible.

Step 4: Notice to Applicant

Applicants will be notified of their status once their application has been reviewed.

Step 5: Processing and Distribution

Accepted applications will be processed for direct payment via check through the mail to the vendor.


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