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What to Expect After Applying to the Cobb Home Saver Program

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family cobb homesaver
November 17, 2020

The Cobb Home Saver Program is designed to mitigate home losses and provide counseling. If you live in Cobb County and can't pay your mortgage or rent due to hardship from COVID-19, you are eligible. Here's what to expect after applying to the program:

HomeSaver Renters Process:

Step 1: Intake application gets submitted on HomeSaver website (to determine initial eligibility).

Step 2: If eligible, applicant gets an email with instructions on what supporting documentation to submit to HomeFree.

Step 3: Applicant must deliver 100% of the documents to support COVID-19 hardship, proof of income and income reduction, proof of residency, copy of lease, etc. 

Step 4: Upon receiving all documentation, HomeFree reviews information submitted. Providing applicant meets all eligibility criteria, a pre-approval is given to applicant.

Step 5: Applicant signs landlord agreement and sends agreement to landlord for signature and verification of amount outstanding.

Step 6: Landlord signs agreement and W-9 then submits to HomeFree for requested grant amount to equal outstanding rent (less any late fees).

Step 7: HomeFree reviews and approves the grant amount and submits payment to landlord within two weeks of receipt of documents from landlord.

HomeSaver Mortgage Process:

Step 1: Intake application gets submitted on website (to determine initial eligibility).

Step 2: If eligible, applicant gets an email with instructions on what supporting documentation to submit to HomeFree.

Step 3: Applicant delivers 100% of documents requested to support COVID-19 hardship, proof of income and income reduction, proof of residency, copy of lease, deed, etc.

Step 4: HomeFree reviews information submitted and, providing applicant meets all eligibility criteria, pre-approval is given to applicant.

Step 5: HomeFree confirms outstanding amount with lender and confirms payment instructions on homeowner’s behalf.

Step 6: HomeFree bundles grant awards every 15 days and submits to county for processing of batch payments.

Step 7: Upon receipt of payment from the county, HomeFree disburses grant/payments to lender (per their instructions) on borrowers behalf.

Please note: it could take some lenders up to four weeks to process and post payments to homeowner’s account as some lenders are not set up to accept payments from third parties and therefore could take extra time.  

Visit cobbhomesaver.org to apply.

*Due to high demand, HomeSaver rental is currently full, but HomeSaver mortgage is still taking applications.

Press Contact Info

Ross Cavitt | Communications Director | [email protected]