Skagit County COVID-19 Mortgage Relief Grant Program

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Have you missed your mortgage payment because your income has been negatively impacted by COVID-19? You may be eligible for assistance.

Funding is available to help homeowners who have fallen behind on their mortgage payments because their income has fallen due to COVID-19. This one-time grant is for eligible Skagit County residents to pay up $6,000 of past-due or currently due mortgage payments per household as a result of a temporary job loss, reduction in work hours or other income hardship caused by the COVID-19 pandemic.

Applications are available online and will be accepted until November 23, or until all funds have been spent. Completed applications can be mailed or hand-delivered from 9am-4pm to Skagit County Public Health, 700 S 2nd Street, Mount Vernon, WA 98273.

Eligible Uses of Funds

Direct payments will be made to the mortgage company on the applicant’s behalf. No payments will be made directly to the applicant. Payments may be used for mortgage principal, interest and Private Mortgage Insurance, but not for escrowed items like property taxes or hazard insurance.

How do I know if my income qualifies?

To qualify, your household’s current adjusted gross income (AGI) has to be at or below 50 percent of the Area Median Income.  See the table below.

What if my household income is currently over the limit?

Unfortunately, you are ineligible for this assistance if your household income is above the maximum amount. If you can’t pay your mortgage, or can only pay a portion, you should contact your mortgage company immediately.  You should also know that if you have a federally insured or backed mortgage, there is currently a foreclosure moratorium that runs through December 31, 2020. Homeownership counseling and assistance is available to all Washington residents, and you can call the Washington Department of Financial Institutions toll-free number 1-877-RING-DFI (746-4334) for assistance. 

Contact for Skagit Mortgage Assistance Program Questions:

Skagit County Public Health
(360) 416-1500
housing@co.skagit.wa.us


Worried about housing for you or others during COVID-19?

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Here are some answers if you or a loved one are worried about not being able to make rent or the mortgage during COVID-19.

COVID-19 is causing huge hits to our economy. Social distancing results in current and painful economic losses. But the Skagit economy would be devastated if we don’t stop COVID-19. More people would become sick and die. We must pay now or pay a lot more later. We need to stay home and stay healthy. But what if you or a loved one is worried about not being able to make rent or the mortgage? What if you faced housing problems even before COVID hit?

There is help for people who are struggling. If you do not have enough money in savings to cover your mortgage or rent, contact your lender or property owner immediately. Lenders and property owners may work with you to waive late fees, set up a repayment plan, or make another plan.

Renters and Eviction

At this time, renters do not need to worry about being evicted for not paying rent. On March 18, Governor Jay Inslee announced a 30-day stop on evictions. Skagit County Superior Court also issued an order suspending all eviction hearings until at least April 24, 2020.

What does this mean for you? It means property owners can’t issue “Pay or Vacate” notices if you can’t pay rent during this period. Also, the Sheriff’s Office will not enforce eviction orders because you can’t pay. You still might be evicted for crimes committed on the property, causing a nuisance to the community, or public health issues. If you are a renter and have concerns about being evicted, you can call the CLEAR (Coordinated Legal Education, Advice and Referral) Hotline operated by NW Justice Project at 1-888-201-1014.

Mortgage Help

There is help for people whose mortgages that are federally backed or insured. Mortgage lenders Fannie Mae and Freddie Mac will suspend foreclosures and evictions for at least 60 days. FHA-insured single-family mortgages are also included. For help, call your mortgage servicer, which is the company listed on your mortgage statement. Options include:

  • Payment relief for up to 12 months
  • Waiving late fees
  • Suspending reports to credit agencies
  • Loan modifications

More Info

Interested in more information? The Washington State Department of Financial Institutions has a page with all the up-to-date information – click here to reach it. The website also includes info about help on:

  • Paying your utility bill
  • Unemployment
  • Student loans
  • Other resources

New resources are likely to become available, so keep checking in on the website.

Scammers

Unfortunately, scammers look for chances to take advantage of us during emergencies. Be careful of emails, texts, or social media posts that may be selling fake products or promise quick financial fixes for a fee.

Want to Help?

If you are in a position to help others in dire housing situations, considering donating to: