Residential Assistance for Families in Transition (RAFT) & Emergency Rent and Mortgage Assistance (ERMA)
The state-funded RAFT and ERMA programs are tools used by the Housing Consumer Education Center (HCEC) team to provide eligible households up to $4,000 per 12-month period that can be used to help retain their housing, obtain new housing, or otherwise avoid becoming homeless.
In an effort to serve as many households as possible, we have made some changes to the RAFT /ERMA application process at Metro Housing. The largest change is that, due to health considerations, we have eliminated in-office appointments and are using an email-only option instead. See below for more information about applications in other languages.
The process for referrals from partner agencies has several steps:
For greatest efficiency and to ensure the swiftest process, please provide all required documents and explanation of the housing crisis in the first email. It will take between two and four weeks to process all applications.
Additional Flexibility in Response to COVID-19
Who qualifies for RAFT & ERMA?
Due to the COVID-19 health crisis and the stay at home advisory, we ask that clients do not leave their home to attain documents. If they have access to documents without leaving their home, please email pictures of the documents using their smart phone, if possible. If they do not have access to the documents and need additional time, please let us know.
What can RAFT & ERMA funds be used for?
Program funds can be used for housing-related expenses only. Appropriate uses of funds include, but are not limited to:
FY21 Service Partner Packet (Fillable PDF with the following required forms: Referral Form, Screening Tool, RAFT/ERMA Joint Application, Housing Plan)
RAFT Property Owner Packet (fillable PDF pending) OR ERMA Owner Packet (fillable PDF pending): Use only one packet as determined by the Screening Tool in the Service Partner Packet if the funding is for rent arrears or start-up funding.
Applications in Other Languages
DHCD requires that non-English speakers complete the English application with all fields completed AND ALSO sign an application in the applicant’s preferred language. The signature is the only field required in the preferred-language application. See below.
Applicants should complete all of the fields in the online application and upload the preferred-language application (with the signature) as an attachment to the online form.