HELOC Payment Relief You Deserve
HOME CAREGIVING GRANT provides grant assistance for homeowners with Home Equity Lines of Credit who need help paying off their HELOC debt and avoiding foreclosure.
Grants Disbursed
Families Helped
Approval Rate
HCG Grant Overview
Active$35K
Avg. Grant
2-4W
Processing
Grant Approved
$42,500 disbursed
No Repayment
100% free grant
$540M+
Grants Disbursed
12,400+
Families Helped
94%
Approval Rate
2-4 Wks
Average Processing
A Grant, Not a Loan
Unlike loan modifications or payment deferrals, HOME CAREGIVING GRANT funds do not require repayment. Our grants are designed to provide permanent relief for your HELOC debt.
Repayment
Dedicated Grant Assistance for HELOC Holders
HOME CAREGIVING GRANT is a specialized grant program built exclusively to help homeowners burdened by Home Equity Line of Credit debt. We connect eligible homeowners with grant funds that are applied directly to their HELOC balance — no repayment, no fees, no strings attached.
Zero Repayment
HCG grants never require repayment. Funds are applied directly to your HELOC balance through your lender.
HUD-Approved Partners
We work alongside HUD-approved housing counselors to ensure you receive proper guidance throughout the process.
Direct to Lender
Grant funds are disbursed directly to your HELOC lender via ACH transfer — never to the applicant.
Do You Qualify for an HCG Grant?
Active HELOC — Mandatory Requirement
Applicant must have an open, active Home Equity Line of Credit (HELOC) account. This is the primary mandatory requirement for HCG grant consideration.
Homeownership
Must be the titled owner of the property securing the HELOC.
Documented Financial Hardship
Applicants must demonstrate qualifying hardship such as income loss, medical expenses, divorce, death of a spouse/co-borrower, or natural disaster.
Primary Residence
The property must be the applicant's primary residence in most cases.
Income Documentation & Home Equity
Applicants must provide proof of income and demonstrate sufficient equity in the home to support the grant application.
5 Steps to Your HCG Grant
Pre-Qualification Check
~10 minutes10-minute questionnaire covering basic eligibility. Soft credit check only — no impact to your score. Instant notification of pre-qualification status.
Document Submission
SSL EncryptedUpload required documents through our secure encrypted portal. 14-day active period to complete your submission.
Application Review
5–7 Business DaysOur team performs document verification, hardship assessment, HELOC verification, and property valuation review.
Grant Approval
10–14 Business DaysReceive notification within 10-14 business days with your grant amount and terms.
Closing & Disbursement
Funds DisbursedeNotary signing, 3-day rescission period, then ACH disbursement directly to your HELOC lender.
Required Documents
Government-issued photo ID
Social Security card or number verification
Most recent HELOC statement
Most recent first mortgage statement
Property deed & homeowners insurance declaration
Recent property tax bill
Pay stubs (last 30 days) & W-2 forms (last 2 years)
Tax returns (last 2 years if self-employed)
Bank statements (last 2 months)
Hardship documentation
Signed credit authorization & completed HCG application form
Download Full Checklist
Get the complete HCG document checklist as a printable PDF.
Download PDF ChecklistPDF • Free • No Sign-up Required
Frequently Asked Questions
HOME CAREGIVING GRANT is a grant assistance program designed specifically for homeowners with Home Equity Lines of Credit (HELOCs) who are facing financial hardship. Unlike a loan, HCG grants do not require repayment. Our program works to provide financial relief by paying off or reducing your HELOC debt directly.
No. HCG grants do not require repayment. The grant funds are applied directly to your HELOC balance through your lender. This is not a loan, deferral, or modification — it is a grant.
Yes. An active Home Equity Line of Credit (HELOC) is the primary mandatory requirement for HCG grant consideration. Applicants without an active HELOC are not eligible for this program.
The pre-qualification check uses a soft credit pull, which does not impact your credit score. If you proceed to full application review, a hard credit inquiry may be performed as part of the final approval process.
No. There are absolutely no fees to apply for an HCG grant — no application fees, processing fees, or any other charges. HCG is a grant program, not a lending product. Beware of any entity that asks you to pay a fee for grant assistance.
You may still qualify. The HCG program is specifically designed to help homeowners who are struggling with HELOC payments, including those who are already delinquent. Your delinquency status will be reviewed as part of the hardship assessment.
The typical timeline from application to disbursement is 2-4 weeks. Pre-qualification takes about 10 minutes, document review takes 5-7 business days, and approval notification comes within 10-14 business days.
No. HCG grant funds are designated exclusively for HELOC and mortgage-related debt relief. Funds are disbursed directly to your HELOC lender via ACH transfer — they are never sent to the applicant.
Ready for HELOC Relief?
Start your HCG grant application today. No fees, no obligation, and no impact to your credit score during pre-qualification.
Encrypted & secure. No credit impact for pre-qualification.
Helpful Resources
HUD Counselors
Find a HUD-approved housing counseling agency near you for free financial guidance.
Foreclosure Prevention
Learn about federal and state foreclosure prevention programs available to homeowners.
SCRA for Veterans
Servicemembers Civil Relief Act protections for active-duty military with mortgages.
Fraud Alert
Report mortgage or grant-related fraud to the FTC and learn how to protect yourself.