As previously reported by MACo, this past spring Governor O’Malley announced the creation of a $40 million program to assist homeowners in addressing back mortgage payments.  Funded through the U.S. Department of Housing and Urban Development, the Emergency Mortgage Assistance (EMA) Loan Program provides assistance to  homeowners facing foreclosures due to job loss in the payment of up to 12 months of overdue debt, including delinquent taxes and insurance, and up to 24 months going forward, with a maximum total of $50,000.   The Maryland Department of Housing and Community Development will be hosting “EMA Direct” to assist homeowners in applying for the program.   EMA Direct will be held on Saturday, June 18 and Thursday June 30 from 9am – 5pm  at the DHCD office. For more information please click here.