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Emergency Mortgage Assistance Program


The Emergency Mortgage Assistance Program (EMAP) provides temporary monthly mortgage payment assistance for up to five years to eligible Connecticut homeowners who are facing foreclosure due to a financial hardship.  An EMAP loan is secured by a fixed-rate, subordinate mortgage on the homeowner’s residence.

It is important to note that EMAP loans must be repaid and funding is limited.  The repayment of an EMAP mortgage starts when the homeowner’s financial condition sufficiently improves. 

CHFA is committed to helping Connecticut’s homeowners who are facing financial hardship as a result of circumstances beyond their control.  Homeowners who believe they might be eligible for an EMAP loan should apply directly to CHFA.  (See, CHFA Customer Call Center for contact information.)  

In June 2012, the Connecticut State Legislature made important revisions to the Emergency Mortgage Assistance Program Statute.  The following changes are in effect immediately:

    • Borrowers with primary mortgages insured by the Federal Housing Administration (FHA) are now eligible to apply for an EMAP loan.
    • Borrowers who have received foreclosure notices to due delinquent taxes or condominium fees or other assessments can now be considered for EMAP, providing the applicant has a mortgage on the property.
    • Borrowers must disclose all pension and retirements funds, but are allowed to retain up to $100,000 in pension and retirement funds up to $ 100,000 will be excluded from consideration for EMAP eligibility, but these funds must be disclosed as part of the applicant’s assets. 


Follow the links below for more information regarding the Emergency Mortgage Assistance Program.   


Who can apply for an Emergency Mortgage Assistance Program loan?

Generally, EMAP assists Connecticut homeowners who are facing foreclosure.  EMAP has many technical requirements and funding is limited, so homeowners interested in applying for this program should contact the CHFA Customer Call Center.

EMAP requirements include:

  • Eligible borrowers must have only one home.
    The mortgage must be secured by a homeowner's primary residence.  

  • Eligible borrowers must demonstrate a generally favorable credit history prior to their financial hardship.
    A borrower’s mortgage payment history, prior to the onset of the financial hardship, must be favorable. In addition, the borrower must be fully discharged from any bankruptcy actions.

    • What is a “favorable” mortgage payment history?
      Potential EMAP borrowers will have a favorable mortgage payment history for the 2 years prior to the hardship with no more than three 30 day late payments in the 12 months prior (or period of ownership, whichever is less.)  CHFA will evaluate the impact of an additional period of financial hardship in this two-year time frame.    

  • An eligible borrower must be unable to currently meet his/her mortgage obligation.
    The delinquency must have arisen directly from either a significant increase in the monthly mortgage payment due to an interest rate adjustment or from the onset of an unforeseen financial hardship that was beyond the borrower's control and caused a significant reduction in the aggregate family household income or an unanticipated increase in expenses.

    • How is “aggregate family household income” calculated?
      “Aggregate family household income” refers to the total income of all residents of a household from whatever source derived.  CHFA has discretion to exclude intermittent income, the income from minors or others in the home who are not the borrower and make allowances for dependents and medical expenses in determining family income for the purposes of EMAP eligibility.

    • What circumstances would be viewed as “beyond the homeowner’s control” and would justify a claim of “financial hardship”?
      Circumstances “beyond the borrower’s control” that lead to a significant reduction in aggregate household income may include, but are not limited to, periods of involuntary underemployment or involuntary unemployment of a homeowner such as furloughs, lay-offs and reductions in hours; or a loss, reduction or delay in receipt of private or public benefits such as pension, annuity, disability or other retirement benefits, Social Security or public assistance, divorce, or loss of child support.  

      In addition, expenses related to the disability, illness, or death of a member of the mortgagors family or uninsured damage to the mortgage property which affects livability and necessitates costly repairs may be circumstances that lead to an eligible financial hardship.

      Finally, a significant increase in the dollar amount of the required monthly mortgage payment may also constitute a “financial hardship” under this program.  

      Please note: The accumulation of installment debt, like credit card debt, that is for recreational or non-essential purposes would not be considered an acceptable “financial hardship” under this program.  

  • CHFA must be able to conclude that an eligible borrower can demonstrate that he/she can repay the EMAP loan.
    Eligible borrowers must demonstrate that they have a reasonable expectation that they will be able to make timely payments towards both their primary mortgage(s) as well as their EMAP loan at the end of the EMAP assistance period.


What types of mortgages are eligible for an Emergency Mortgage Assistance Program loan? 

Mortgages eligible for EMAP are first and/or second liens on an eligible borrower’s primary residence.


What types of property are eligible for an Emergency Mortgage Assistance Program loan?

Property eligible for the Emergency Mortgage Assistance Program (EMAP) are homes secured mortgages that are facing foreclosure due to the borrower’s financial hardship.  

To be eligible, the property secured by the mortgage must be the primary residence of the applicant and not be recreational, vacation, investment, commercial or rental property. No part of a home eligible for this loan may be designed for commercial purposes.  

In addition, the property must meet one of the definitions listed below:  

    • Single-family home
    • Two- to four-family home, as long as the borrower is an owner-occupant of one of the units
    • Condominium or Planned Unit Development (PUD)


What is the maximum monthly assistance you can receive under the Emergency Mortgage Assistance Program?

Homeowners may be eligible to receive a maximum of 60 consecutive months of emergency mortgage assistance from CHFA.   (See, Maximum Monthly EMAP Payment Chart.) 


When do you have to repay the Emergency Mortgage Assistance Program loan? 

The borrower is required to repay the EMAP loan when the borrower’s financial condition improves. 


What else should you know about an Emergency Mortgage Assistance Program loan?

  • Your eligibility must be recertified annually.
    At least once every year, a borrower under the program must demonstrate to CHFA that he or she continues to meet the eligibility requirements of the program.  CHFA will determine whether to continue, adjust or terminate the assistance.  EMAP payments will be discontinued when CHFA determines that they are no longer necessary because of changes in the borrower’s financial condition.  The borrower also has an affirmative duty to notify CHFA of any changes in his/her circumstances that could affect the borrower’s continued eligibility.  

    Please note:  An EMAP borrower can become ineligible for continued EMAP assistance before the repayment of his EMAP loan comes due.  If a borrower’s financial condition improves sufficiently enough to place him out of the program, but not enough that his household expenses are 35% or less of his aggregate family household income, then CHFA does not require that the borrower begin to repay the EMAP loan.  

    “Household expenses” include the monthly required payment of principal and interest on the mortgage, property taxes, heat (oil or gas), electricity, home insurance and condominium fees, if applicable.      
  • You cannot take out any other loans against your home while you are receiving EMAP assistance.
    CHFA does not allow EMAP borrowers to borrow against their residence during the period of EMAP assistance unless CHFA provides written consent.      

  • If you pay off a pre-existing mortgage on your home, you may be required to increase your share of the monthly mortgage payment by the same amount.
    CHFA will re-determine the borrower’s required contribution towards the monthly mortgage payment in the event that the borrower pays off existing liens and frees up finances that can be put toward the monthly housing payment.      

  • You may be able to reapply for EMAP assistance after six months.
    A homeowner who has previously received EMAP assistance may reapply if the mortgage on the home has been reinstated and the homeowner has not been delinquent for at least six consecutive months immediately following the reinstatement.


How do you apply for an Emergency Mortgage Assistance Program loan?

Homeowners that are unable to reach an agreement with their lender to correct the current delinquency or who are unable to honor an agreement with their lender may be eligible to apply for EMAP assistance.

Homeowners may start the application process by contacting CHFA’s Customer Call Center which will assess their program eligibility and provide guidance through the next steps in the EMAP application process.  

Approved applicant will enter into an “Emergency Mortgage Assistance Agreement” with CHFA that outlines the amount, terms and conditions of the assistance.  Applicants who receive a negative determination of eligibility for EMAP have the right to request an appeal of the determination and present additional supporting documentation.  

Please note: EMAP applicants are required to provide CHFA with documentation that establishes their financial hardship, aggregate family income, monthly housing expense, assets and liabilities, current mortgage insurance, principal place of residence and mortgage payment history as well as other financial records, as needed.   


Questions? Contact CHFA.

For questions or additional information, prospective EMAP borrowers should contact CHFA’s Customer Call Center.

Phone:     (877) 571-2432 or (860) 571-3500

Mailing Address:
Connecticut Housing Finance Authority
Attn: CHFA Call Center
999 West Street
Rocky Hill, Connecticut 06067


Additional information

The following documents are related to the EMAP Program.  To open and view the document, click on the document title.  Please note that some documents may need client software to view the document.

Related Documents Found: 4  matches     Displaying: 1 - 4 
Emergency Mortgage Assistance Program (EMAP) Application Package Rev 12-28-17
This application package is available to Connecticut homeowners who are delinquent on their mortgage or anticipate becoming delinquent due to a temporary financial hardship beyond their control.

Program Brochure - Emergency Mortgage Assistance Program (EMAP) - Max Monthly Assistance Chart - Rev 4-2017
This chart is a listing of EMAP maximum monthly assistance that may be provided under this program.

Program Brochure - Emergency Mortgage Assistance Program (EMAP) - Spanish
This brochure provides an overview of the Emergency Mortgage Assistance Program (EMAP). 3/2015

Program Brochure - Emergency Mortgage Assistance Program (EMAP)
This brochure provides an overview of the Emergency Mortgage Assistance Program (EMAP). 3/2015
Found: 4  matches     Displaying: 1 - 4