Lower your monthly payments to stay secure in your home


If you are on a fixed income and struggling to afford your mortgage payments, OHSI is here to help. We provide up to $50,000 to pay down your mortgage and lower your monthly payments so that you can afford them. You may also be eligible for up to $36,000 to bring your account current if you are behind on payments. If you qualify, these funds are available at no cost to you as long as you do not sell your home or refinance it for cash for at least five years.

Marian Quote

"My payment went from $700 to $400 for 23 years. Now I can stay in my house. I can’t thank you enough. This is life-changing for me."

-Marrian, Curry County



Am I eligible?

To receive this benefit, you must meet the qualifications listed below and on our complete eligibility checklist.

If you have questions about whether you qualify, please contact us.


I am…

  • Struggling to afford my mortgage payments

  • Recovering from a financial hardship, such as a job loss, income reduction, medical issue, disability, death or divorce

My home…

  • Is my primary residence

  • Is a single-family home or has up to four units

  • Is the only residential property I own

My income…

  • Is mostly from a fixed source

  • Is high enough that I will be able to afford my monthly payments after receiving OHSI's financial support (see the complete eligibility checklist for details)

  • Is within the limits in the table below

Household sizeMaximum yearly income
1 $66,000
2 $75,375
3 $84,875
4 $94,250
5 $101,750
6 $109,375
7 $116,875
8+ $124,375


How to apply

Applying for Fixed Income Support involves a few key steps. Visit How It Works for more details on the application process.


Mark your calendar:

You can start to fill out the online application every other Wednesday at noon. All application materials are due Friday the following week. Click here to learn more and view the application calendar.

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Gather your documents:

Tax returns, mortgage statements and other documents are required to apply. We recommend gathering these materials before getting started. View the list of the documents you need.

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Complete your application:

There are two parts to the application process--completing an application and submitting your documents. A limited number of people can apply, so get started as soon as you can.

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Allow time for processing:

It can take four to six months to process the application and provide your financial support. We will contact you as soon as your application has been processed.

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Get help: 

Have questions? Contact OHSI. We are here to help every step of the way.



find relief to keep your home.

Find answers to your questions.