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Music EFA update I'm your host Renee Guerra follo and joining me today is Lorie Toya hi Laurie hi Renee thanks for having me Laurie is the director of pH faz map program he map stands for homeowners emergency mortgage assistance program we're gonna talk about he mapped today how it works and how it can help people who are behind on their mortgage so Lori can you tell us the basics about the he map program he Mike was created in 1983 following the closing of steel mills in the western part of the state and resulting layoffs it was designed to help people stay in their homes and avoid foreclosure it is a loan it does need to be repaid but the repayment amount is based on the household income we pay the mortgage companies directly there's no money that goes through the borrower we find out from the lender what it takes to get the account current and disbursements made directly to them the lender will start the process by sending an AK 91 notice which is the notice that tells them about th

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