Disclaimer The HELP Program including the Job Loss Protection are made available by the sellers enrollment overseen by the lending or new construction department. The program is provided and delivered by The Rainy Day Foundation, a 501c3 from Washington, DC. Subject to third party providers. Changes may occur. Terms, conditions and restrictions apply. Not fully available in all states. Creative Alliances, LLC is the marketing partner for the HELP program which is fully administrated by the Rainy Day Foundation. If you are interested in enrolling your buyers in the HELP program, we will happy to provide you with the names of local providers making qualified loans in your area. Enrollment is free, but must be provided by participating sellers, agents , brokers or dealers. The Rainy Day Foundation is not an insurance company and does not sell job loss insurance or insurance of any kind. Their charitable mission is to 'Protect homeowners from the unexpected' during their initial two years of a new mortgage by providing a comprehensive program (called the HELP Program) to borrowers that includes pre and post purchase counseling, budget counseling, a support group to answer questions and help homeowners navigate the challenges of homeownership, and finally, they provide emergency counseling and grants to assist homeowners who have fallen upon hard times. While they do purchase a job loss insurance policy for those homeowners enrolled in our charitable program, it is a small part of the overall service provided. If you are interested in enrolling in the HELP Program, Creative Alliances, LLC will be happy to provide you with the names of real estate professionals who enroll their clients in this program. Enrollment is free for the buyer, but you can only be enrolled at the time of a purchase or refinance.