Need Help With Your House Payment? Program Offers Assistance with Mortgage Payments

If you have received unemployment benefits in the last 12 months, you may qualify for assistance with mortgage payments through the SC Homeownership and Employment Lending Program (SCHELP).

The SC Department of Employment and Workforce (DEW) is partnering with the SCHELP to offer information about this program.

Eligibility must be determined on a case-by-case basis, but for homeowners who qualify, assistance may include:

  • Monthly Payment Assistance—The program will help with monthly payments for a defined period of time while homeowners seek employment and a return to self sustainability.
  • Direct Loan Assistance—This service is for borrowers who have experienced a hardship but have regained the ability to pay. Funds can be used to pay arrearages to bring the loan current.
  • Property Disposition Assistance—Funds may be provided to help transition families from home ownership to rental housing in cases where a short sale or deed-in-lieu of foreclosure occurs.

Applying for the program online at is the fastest way to begin the process. If you do not have Internet access, call 1.855.435.7472.

There is no fee or cost for the service. Application for or receipt of assistance will not impact your unemployment benefit eligibility or weekly payments.