Owe more on your home than it’s worth?

We may be able to help.

What does ‘underwater’ mean?

Being underwater (also known as having negative equity) means you owe more on your home than it is currently worth. Homeowners with significant negative equity are locked into their homes, which may prevent a needed refinance or ultimately result in the homeowner abandoning the home.

We may be able to help.

For eligible applicants, HomeSafe Georgia’s Underwater Program provides up to $50,000 in a one-time payment to the lender to reduce the principal balance to obtain as close as possible, a total 100% loan to value.

Interested? Take the next step.

LEARN MORE about how the program works and review eligibility requirements.
TAKE OUR QUIZ and begin a Pre-Application if you are eligible.


Representatives have started contacting homeowners who submitted a pre-application between 9/28 and 10/18. These are being worked in a random selection order. If your number is selected, you will be contacted by phone (770 area code) and email, and mail.