COVID-19 HELP (Homeowner Emergency Loan Program)

For San Francisco homeowners who are experiencing financial hardship due to the COVID-19 pandemic.

What to do

1. Complete the COVID-19 HELP application

2. Collect all supporting documentation and save as one PDF

Compile the application form and all required supporting documentation into one PDF file. Name the PDF file "Property Address-Last Name, First Name" (Example: 123 Sample Street-Smith, John).

3. Upload your application package

4. After you submit your application

After you apply MOHCD will review your application and supporting documentation, pull a credit report on all owners, and determine your eligibility for COVID-19 HELP.

5. Work with MOHCD to complete, sign, and record loan documents

  • MOHCD will open an escrow account for all payments to be made through escrow.
  • MOHCD will provide a commitment letter with full loan documents for you to review.
  • Executed documents must be notarized and recorded.

6. Funds disbursement

COVID-19 HELP funds will be disbursed directly from the title company to the financial entity. No cash-back to borrowers is allowed.

Eligibility rules and forms

Eligibility for a COVID-19 HELP loan:

(For a detailed description of the program guidelines, please read the COVID-19 HELP Loan Addendum under COVID-19 HELP Forms below.)

  • Borrowers must have experienced financial hardship due to the COVID-19 pandemic. Homeowners experiencing a financial hardship unrelated to COVID-19 may be eligible for HELP under the regular program guidelines.
  • Demonstrate financial hardship as a result of COVID-19, borrowers are required to submit the "Affidavit of Financial Hardship Due to COVID-19" form along with its supporting documentation. See the form for details.
  • Borrowers must have been current or less than 30 days past due on their mortgage loan account, property tax account, and/or HOA account as of April 1, 2020.
  • Borrowers do not need to provide documentation to verify inability to secure financing from traditional lenders and/or ineligibility for other financial options prior to applying for COVID-19 HELP.
  • Borrowers are not required to attend a one-on-one foreclosure intervention counseling session but can reach out to a MOHCD-approved and HUD-certified housing counseling agency if assistance is needed in applying.  Please go to for a list of agencies.
  • Maximum household income cannot exceed 120% of AMI. 
  • Current front-end or housing ratio can be greater than 40% but must be no less than 28%.
  • Maximum combined Loan-to-Value (CLTV) ratio cannot exceed 100%. An appraisal report is not required.
  • All other requirements contained in the December 2019 HELP Operating and Procedures Manual (the "HELP Manual") will remain in effect.

COVID-19 HELP forms:

Last updated November 17, 2022