Mortgage Protection from C.A.R. and HAF

Mortgage Protection from C.A.R. and HAF
Peace of Mind when you Decide to Buy Your Piece of California

A message from the California Association of REALTORS® and the Housing Affordability Fund.

What is the Mortgage Protection Program?
Through the California Association of REALTORS® (C.A.R.) Housing Affordability Fund Mortgage Protection Program, first-time home buyers who lose their jobs due to layoffs may be eligible to receive $1,500 per month, for up to six months, to help make their mortgage payments. A qualified co-buyer also can participate in the program, and receive a monthly benefit of $750 per month for up to six months. Program benefits also include coverage for accidental disability and a $10,000 death benefit.

How do I qualify?
To qualify for the Mortgage Protection Program, applicants must:*
- Be a first-time home buyer – someone who has not owned a home in the last three years
- Open escrow April 2, 2009, or later, and close on or before December 31, 2009
- Use a California REALTOR® in the transaction
- Purchase the property in California
- Be a W-2 employee (cannot be self-employed)

How do I apply?
If you are interested in applying, you may request an application for the Mortgage Protection Program from your REALTOR®.

*For more information, including application requirements and possible restrictions, please visit:
www.car.org/aboutus/hafmainpage/carhafmortgageprotection/


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