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HHF Borrower Outreach Program

"Saving families one house at a time."

$9.6 Billion to Stop Foreclosures

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The Hardest Hit Fund Program

 

First announced in February 2010, the Hardest Hit Fund provides $7.6 billion to the 18 hardest hit states, plus the District of Columbia, to develop locally-tailored programs to assist struggling homeowners in their communities. On February 19, 2016, an additional $2 billion was allocated to HHF as a part of the Consolidated Appropriations Act, 2016. The total HHF allocation is now $9.6 billion.


HHF programs are designed and administered by each state’s Housing Finance Agency (HFA). Most of these programs are aimed at helping unemployed homeowners remain in their homes while they search for new employment and those who owe more on their mortgage than their home is worth.


State HFAs have until the end of 2020 to utilize funds allocated under HHF.

Alabama

al

 

 

Allocation: $162,521,345

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.hardesthitalabama.com
Latest Amendment: Alabama10th Amendment to the Agreement
Homeowner Stories: Hardest Hit Alabama Helps Huntsville Homeowner Avoid Foreclosure & Keep Retirement Intact

Hardest Hit Alabama (HHA), a foreclosure prevention program, is available for eligible homeowners struggling to pay their mortgage payments.

The State of Alabama was allocated approximately $162 million to provide assistance for financially distressed homeowners. The U.S. Department of Treasury’s “Hardest Hit Fund” is authorized under the Emergency Economic Stabilization Act of 2008 and is available in 18 states and the District of Columbia.

We offer several different programs to meet the needs of Alabama homeowners facing financial hardships:

Mortgage Payment Assistance

Loan Modification Assistance

Short Sale Assistance

 

HHA assistance is available statewide to qualified homeowners on a first-come, first-served basis.

Arizona

az

 

 

Allocation: $267,766,006


Most Recent Quarterly Report

Fact Sheet


For more information: http://www.azhousing.gov/
Latest Amendment: Arizona 17th Amendment to the Agreement
The Save Our Home AZ (“SOHAZ”) Program offers assistance to reduce the occurrence of foreclosures in Arizona. Types of assistance includes Principal Reduction Assistance, Monthly Mortgage Payment Assistance for under and unemployed Arizonans, Second Lien Elimination and Short Sale Assistance.

 

SOHAZ may also be available for Principal Reduction for homeowners who are refinancing their mortgages through HARP 2.0 or other refinancing or mortgage recasting opportunities. Funded through the U.S. Department of the Treasury’s Hardest Hit Fund, assistance is expected to be available for commitment through December 2017.

 

For those interested in program statistics regarding Arizona’s Hardest Hit Fund, the April 2016 Save Our Home AZ Progress Report is now available. The Program’s Quarterly Reports to the U.S. Department of the Treasury may be accessed on the sidebar. Questions regarding these reports may be directed to Reginald Givens at (602) 771-1041.

California

ca

 

 

Allocation: $1,975,334,096


Most Recent Quarterly Report

CA Keep Your Home Fact Sheet
CA Keep Your Home flyer English
CA Keep Your Home flyer Spanish


 

For more information: www.keepyourhomecalifornia.org

Latest Amendment: California 20th Amendment to the Agreement

Homeowner Stories: How People Have Benefitted from KYHC Assistance

Keep Your Home California is a free service for homeowners who have suffered a financial hardship, to help them stay in their homes, maintain an affordable mortgage payment and avoid foreclosure.

 

The following are brief summaries of the programs offered under Keep Your Home California. See a list of participating servicers and which programs they are currently offering.

 

Unemployment Mortgage Assistance

For eligible unemployed homeowners.
Mortgage assistance of up to $3,000 per month for unemployed homeowners who are collecting or approved to receive unemployment benefits from the State of California’s Employment Development Department (EDD).
Click to learn more.

 

Mortgage Reinstatement Assistance Program

For eligible homeowners who have fallen behind on their mortgage payments.
Funding of up to $54,000 to help qualified homeowners catch up on their mortgage payments.
Click to learn more.

 

Principal Reduction Program

For eligible homeowners who have suffered a financial hardship and owe more than their home is worth and/or have an unaffordable payment.
Financial assistance to help pay down the principal balance of a mortgage loan and allow for a more affordable monthly payment.
Click to learn more.

 

Transition Assistance Program

For eligible homeowners who are undergoing a short sale or deed-in-lieu of foreclosure program.
Financial help to make a smooth transition into stable and affordable housing.
Click to learn more.

 

Reverse Mortgage Assistance Pilot Program

For eligible senior homeowners who have fallen behind on property expenses associated with their Home Equity Conversion Mortgage (HECM) loan.
Funding of up to $25,000 to help qualified senior homeowners reinstate past due property expenses (ie. property taxes; homeowner’s insurance; homeowner’s association dues or assessments) and provide an advance of their approved property expenses for up to an additional twelve (12) months.
Click to learn more.

Florida

fl

 

 

Allocation: $1,057,839,136


Most Recent Quarterly Report

Fact Sheet


For more information: https://www.flhardesthithelp.org/
Latest Amendment: Florida 13th Amendment to the Agreement

 

Eligibility requirements and program benefits for the Florida Hardest-Hit Fund (HHF) have changed! If you have previously started or completed an application for the Florida HHF Program, DO NOT ATTEMPT TO RE-APPLY OR START A NEW ONLINE APPLICATION. Even if your application is incomplete or if you have received an eligibility determination, you do not need to start a new application. To see if you qualify for assistance under the revised eligibility requirements or to see if you are eligible to receive extended program benefits, CONTACT YOUR PREVIOUSLY ASSIGNED ADVISOR AGENCY to update your information and have your application re-evaluated to determine if you qualify. Again, DO NOT ATTEMPT TO RE-APPLY OR START A NEW ONLINE APPLICATION! Contact your previously assigned Advisor Agency to have your application re-evaluated using the revised HHF program eligibility requirements. Your Advisor’s contact information should be on the original application package you submitted. If you were never assigned to an Advisor Agency, log into your application and click the “Assign Me Now” button. You will be immediately assigned to an Advisor Agency that will contact you within 72 hours to complete your application.

 

For previous applicants who:

were never assigned an Advisor;

don’t remember who their Advisor was;

don’t have the contact information for their Advisor; or

don’t remember how to get back to their application;

Click the “Contact Us” tab at the top of this webpage and send us an email or call the toll-free HHF Information Line at 1-(877) 863-5244; we will ensure you are assisted as soon as possible.
This site contains all the information you will need to begin your application for assistance, with step-by-step instructions and prompts to help you. In addition, there are facts about the program, answers to frequently asked questions (FAQs) and other foreclosure avoidance information that may be helpful to you.
Homeowners who qualify for assistance may receive up to twelve (12) months of monthly mortgage payments (including escrowed mortgage-related payments) with up-front mortgage reinstatement funds, or funds to pay past due mortgage payments to bring a delinquent first mortgage current; these funds are paid directly to the loan servicer/lender.


Eligibility requirements include, but are not limited to, the following:

Must be a Florida resident and a legal US resident/legal alien;

Must occupy property as primary residence;

Must be unemployed or underemployed, with at least a 10 percent reduction in income.



Click here
to download the “Frequently Asked Questions” document, which contains the complete list of Florida HHF eligibility requirements and program benefits.

Georgia

ga

 

 

Allocation: $339,255,819

Most Recent Quarterly Report
Fact Sheet


Temporary Mortgage Payment Assistance
For more information: https://www.homesafegeorgia.com
Latest Amendment: Georgia 9th Amendment to the Agreement

In 2010, the Hardest Hit Fund® was established by the federal government to provide foreclosure help to homeowners most affected by the steep decline in home prices and rising unemployment rates. HomeSafe Georgia was established by the Georgia Department of Community Affairs to administer the $339 million designated to Georgia, one of the 18 “hardest hit” states.

 

Federally funded and state operated, HomeSafe Georgia offers three government mortgage programs to qualified homeowners based on need:

Mortgage Payment Assistance:

Provides assistance to those who have experienced an unemployment or underemployment hardship in the last 36 months. click here more info

Mortgage Reinstatement Assistance:

Provides assistance to those in need of mortgage help who have suffered a military, medical or death-related hardship in the last 36 months. click here for more info

Mortgage Payment Reduction:

Provides mortgage modification to those who have experienced a significant permanent reduction of income in the last 36 months. click here for more info

Take our short pre-qualification quiz to see which program might be best for you.
Stay up-to-date on HomeSafe Georgia activities and read about our success stories by visiting our blog.

Illinois

il

 

 


Allocation:
$445,603,557

Most Recent Quarterly Report
Fact Sheet


For more information: https://www.illinoishardesthit.org/
Latest Amendment: Illinois 12th Amendment to the Agreement
On April 20, 2016, the Illinois Housing Development Authority (IHDA), who administers the Illinois Hardest Hit Program, announced it has secured additional funding from the U.S. Department of the Treasury to continue to help struggling homeowners avoid foreclosure and stabilize communities. See press release. IHDA is currently working hard to re-establish the program and expects to resume accepting applications in August/September 2016.

 

Thousands of homeowners across Illinois who have experienced a 20 percent drop or more in income have already been helped and received temporary mortgage assistance through the Illinois Hardest Hit program. With this additional funding, we look forward to assisting even more homeowners and communities across the state. Please refer to this website for updates. Thank you for your patience.

 

If you are reporting a home sale, foreclosure or change in mailing address contact Customer Service at 855-873-7405 or hhfcustomerservice@ihda.org


The Illinois Foreclosure Prevention Network (IFPN)
If neither the Illinois Hardest Hit program nor the Homeowner Preservation Program are available to you and you are still in need of assistance, contact the Illinois Foreclosure Prevention Network by visiting www.keepyourhomeillinois.org or call 1-855-KEEP-411 (1-855-533-7411). The Network is a FREE, one-stop resource connecting homeowners with important tools, including access to legal advice, mortgage assistance, and tips on how to avoid mortgage fraud. You can also get connected to a housing counselor who can suggest other programs you may be eligible for. Help is available. Don’t delay, act now!

Indiana

in

 

 

Allocation: $221,694,139

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.877gethope.org
Latest Amendment: Indiana 10th Amendment to the Agreement

 

Mortgage Payment Assistance

Indiana’s Hardest Hit Fund provides mortgage payment assistance for homeowners who have experienced qualifying involuntary financial hardships.

This loan may also be used to bring delinquent mortgage payments current or to reduce monthly mortgage payments to a more affordable level.

 

Transition Assistance Program (TAP)

For eligible homeowners who are executing a short sale or deed-in-lieu of foreclosure and leaving the home in a marketable condition.

This program provides financial help homeowners achieve an orderly exit from their home, and transition into stable and affordable housing.

Under TAP, homeowners can receive $2,500 to assist with moving and relocation expenses, and lenders/servicers can receive up to $5,000 to extinguish and release subordinate liens as part of a short sale or deed-in-lieu of foreclosure agreement.

 

Free financial counseling

We provide free foreclosure prevention counseling to any Indiana homeowner who needs it. Just call 1-877-GET-HOPE (1-877-438-4673) to speak to a certified counselor.

 

Legal Services

The IFPN may also provide access to legal services for some qualifying homeowners.

 

Counseling Agencies

IFPN partners with nonprofit housing counseling agencies around Indiana to deliver programs and to support participants. By clicking on the “Apply” button above or calling 1-877-GET-HOPE, you will be connected with a counselor who will help you with your mortgage lender. View a list of our counseling agency partners.

 

Community Groups

Community groups can benefit from spreading the word about the Hardest Hit Fund to its members. We invite you to visit our community groups page for downloadable resources for sharing with churches and other nonprofit organizations. These materials will help educate your leadership, congregation and local community about this important program.

 

Participating Lenders

More than 300 lenders participate in Indiana’s Hardest Hit Fund. To see if your mortgage lender is part of our program, view the participating lender/servicer list. Don’t see your lender listed? Call us at 1-877-GET-HOPE (1-877-438-4673) to apply for assistance and request that the lender be added.

 

Blight Elimination Program

The Blight Elimination Program was designed to allow local municipalities to address blighted, vacant and abandoned homes in Indiana. The program demolishes blighted and abandoned homes that are beyond repair. The goal is to stabilize Indiana neighborhoods by offering a variety of end uses for newly cleared properties, including green space and redevelopment. Municipalities must apply for the funds from the funding division in which their county is located. If you have any questions, please contact feedback@ihcda.IN.gov.

 

Learn more about Indiana’s Blight Elimination Program.

Michigan

mi

 

 

Allocation: $498,605,738

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.stepforwardmichigan.org
Latest Amendment: Michigan 13th Amendment to the Agreement

 

The Step Forward Michigan Program was established by the MHA to work directly with Michigan homeowners to help them stay in their home. The program provides up to a $30,000 interest free loan to assist with mortgage, property taxes, and/or condominium association fees. Hardest Hit Funds loans are forgivable at 20% each year, as long as the property remains the homeowner’s primary residence.

 

Homeowners can apply online at www.StepForwardMichigan.org or call 866-946-7432.

 

Step Forward Michigan program staff will evaluate the homeowner’s loan application for one of the following programs.

 

Unemployment Mortgage Subsidy Program

This loan program assists unemployed or underemployed homeowners that meet one of the following initial requirements:

Received unemployment benefits from the Michigan’s Unemployment Insurance Agency (UIA) in the last 12 months

Can document a 20% or greater reduction in gross household income occurred in the last 24 months

 

The 1st lien mortgage does not have to be delinquent to qualify for assistance. The program may provide a 50% monthly subsidy toward the homeowner’s 1st lien mortgage payment (up to $1,000 per month) for 12 months, if the homeowner has sufficient income to sustain the unsubsidized portion of the monthly mortgage payment. The program may also contribute funds toward the reinstatement of a delinquent 1st lien mortgage, condo association fees, and/or property taxes, if the homeowner can sustain their future monthly payments.

 

Loan Rescue Program

This loan program assists homeowners delinquent on their mortgage, condo association fees, and/or property taxes who meet the following initial requirements:

Had an involuntary qualifying hardship that caused the delinquency

Have income necessary to sustain future payments

 

This program may be used to reinstate the delinquent balance(s) if an eligible hardship caused the delinquency. Examples of qualifying hardships are job loss, medical event, reduction of gross income, death, divorce, or a one-time critical housing repair.

Mississippi

ms

 

 

Allocation: $101,888,323

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.mshomesaver.com
Latest Amendment: Mississippi 10th Amendment to the Agreement

 

Thousands of hard-working Mississippians have lost their homes as a result of our sluggish economy. Fortunately, there is help: the Home Saver program from Mississippi Home Corporation.

Home Saver was created for one purpose: to help struggling homeowners save their homes. Home Saver provides assistance by making mortgage payments for homeowners who have lost their job or experienced a 15% income reduction through no fault of their own and are at risk of default or foreclosure.

Simply by being a homeowner, you’ve demonstrated financial responsibility. You deserve assistance, and we’re here to give you the help you need during these difficult times. To apply for assistance from Home Saver, simply fill out the online application today.

 

THREE WAYS HOME SAVER CAN HELP

  1. Mortgage Payment Assistance: Home Saver gives homeowners the time they need to find employment and increase their household income without the worry of foreclosure. If you have delinquent payments, Home Saver can help you bring your payments current.
  2. Mortgage Payment Assistance with Education: Through this plan, Home Saver offers mortgage assistance to homeowners who enroll in a community college or 4-year institution at their own expense to improve job skills. The Education Option provides additional months of assistance beyond the basic assistance available through our Mortgage Payment Assistance program.
  3. Reinstatement Only: If you have fallen behind on your mortgage and need assistance to catch up on payments, this option is for you. You must have returned to work and be able to sustain the mortgage going forward.

Nevada

nv

 

 

Allocation: $194,026,240

Most Recent Quarterly Report
Nevada Fact Sheet


For more information: http://www.nahac.org/
Latest Amendment: Nevada 16th Amendment to the Agreement

 

Principal Reduction

For borrowers who have suffered an eligible financial hardship and owe more than their home is worth.

 

Financial assistance to help pay down the principal balance of a mortgage loan and allow for a more affordable monthly payment.

 

Click here to learn more…

Second Mortgage Reduction

For borrowers with an eligible financial hardship who have a second mortgage lien and, when combined with their primary mortgage, owe more than their home is worth.

 

Financial assistance to reduce or eliminate the principal balance of a second mortgage to achieve an affordable monthly mortgage payment.

 

Click here to learn more…

 

Mortgage Assistance

For borrowers who were previously unemployed and are now employed or underemployed and whose primary mortgage is delinquent.

 

Reinstatement assistance to bring the borrower’s primary mortgage current.

 

Click here to learn more…

New Jersey

nj

 

 

Allocation: $300,548,144

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.njhomekeeper.gov
Latest Amendment: New Jersey Eighth Amendment to the Agreement

 

The New Jersey HomeSaver Program offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level by using Hardest Hit Fund funds to facilitate a refinance, recast, or permanent modification of the first mortgage loan.

 

The program is funded through a federal grant from the United States Treasury’s Hardest Hit Fund, awarded to states most impacted by unemployment and underemployment. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is the official administrator of the program for the State of New Jersey.

 

Do I Qualify?

 

You may be a good candidate for this program if you are a homeowner who:

Has severe negative equity*

Has or will be facing a significantly higher mortgage payment (due to a rate increase), or

Has suffered a financial hardship (such as unemployment or a severe loss of income through no fault of your own) that has caused or will cause you to fall behind on your mortgage payment**

*Severe negative equity is defined as a first mortgage loan-to-value (“LTV”) ratio that is 115% or greater.

**You do not need to be presently behind on your mortgage payments to be eligible for the HomeSaver Program.

 

How To Apply

If you can answer YES to ALL of the following questions, contact your mortgage servicer to find out if they are participating in the New Jersey HomeSaver program or call the NJ Hardest Hit Fund toll free at 1-855-647-7700.

 

Can you answer YES to ALL of these questions?

Is your home located in the State of New Jersey?

Is your home your primary residence?

Is your home a one, two or three-unit residential property?

Do you owe no more than $429,619 in total mortgage debt (or, if you have a two-unit or three-unit home, no more than $550,005)?

Is your home the only residential real estate that you own?

Are you clear at this time of any involvement in any bankruptcy application or proceeding?

 

If your servicer is not participating or you cannot answer YES to ALL six questions above, we encourage you to learn about other New Jersey foreclosure assistance programs that may be able to help you.

 

Looking for the New Jersey HomeKeeper Program?

161

 

 

 

 

All program funds have been committed and the HomeKeeper Program is closed to new applicants and appeals. If you presently have a HomeKeeper loan and have servicing questions, please call the NJ Hardest Hit Fund toll free at 1-855-647-7700.

North Carolina

nc

 


Allocation:
$482,781,786

Most Recent Quarterly Report
Fact Sheet: Get Help to Save Your Home | Get Help to Reduce Your Mortgage Payment


For more information: http://www.ncforeclosureprevention.gov/
Latest Amendment: North Carolina 13th Amendment to the Agreement
Homeowner Stories: The Hardest Hit Fund is Available to Help Homeowners like Paul in North Carolina
The N.C. Foreclosure Prevention Fund offers help to North Carolina homeowners who are struggling to make their mortgage payments due to job loss, reduction in income, or other temporary financial hardship, such as the death of a loved one, divorce, or serious illness. The N.C. Foreclosure Prevention Fund is offered by the N.C. Housing Finance Agency, a self-supporting state agency, and funded through the U.S. Department of the Treasury’s Hardest Hit Fund®. Services are provided by participating HUD-approved counseling agencies statewide.

 

You may be eligible for help through one of the following programs designed to help homeowners prevent foreclosure.

 

The Mortgage Payment Program provides zero-interest loans of up to $36,000 for a maximum of 36 months.

 

The Second Mortgage Refinance Program helps employed homeowners who cannot afford payments on their second mortgage.

 

Eligible homeowners apply for these programs through our participating housing counseling agencies located across the state. Even if you do not qualify for help through the N.C. Foreclosure Prevention Fund, a counselor may be able to direct you to other sources of help.

 

The State Home Foreclosure Prevention Project helps North Carolina homeowners who are facing foreclosure for any reason. It offers free housing counseling, access to legal services for people with lower incomes, and help with your mortgage servicer. There are no credit restrictions for this help. If you have received a 45-day pre-foreclosure notice from your servicer and/or a foreclosure help letter from the N.C. Housing Finance Agency, call 1-888-442-8188.

Ohio

oh


Allocation
: $570,395,099

Most Recent Quarterly Report


For more information: http://savethedream.ohio.gov/index.aspx
Latest Amendment: Ohio 11th Amendment to the Agreement
Homeowner Stories: The Hardest Hit Fund is Helping Struggling Homeowners like Grace in Ohio

 

About Us

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Save the Dream Ohio connects financially distressed homeowners with HUD-approved housing counseling agencies that help families avoid foreclosure.
Read more

News & Events

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Save the Dream Ohio offers a variety of resources to keep you up-to-date on current, future, and past news and events.
Read More

 

Financial Resources

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Learn more about lowering your monthly expenses, finding a job or training opportunity, repairing your credit, and creating a budget.
Read More

 

Success Stories

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Real stories from real people about how the Save the Dream Ohio program made a lasting impact for residents who were able to save their home.
Read more

 

Learn More About Our Partners

Participating Mortgage Servicers

View a list of more than 350 mortgage lenders and servicers that are participating in Save the Dream Ohio.

Housing Counseling Agencies

View a list of Save the Dream Ohio’s 32 housing counseling agency partners. View a map of our Save the Dream Ohio partners.

Legal Aid Societies

Find a legal aid organization near you.

 

U.S. Treasury

Read about important news and information concerning the Hardest Hit Fund Program.

Oregon

or

 

 

Allocation: $220,042,786

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.oregonhomeownerhelp.org/
Latest Amendment: Oregon 17th Amendment to the Agreement
Homeowner Stories: Help for Unemployed and Underemployed Homeowners – in Oregon and Across the Country

 

lrapp


The Loan Refinancing Assistance Pilot Project (LRAPP) program is now available to homeowners in Crook, Deschutes, Jackson, Jefferson and Josephine counties. This program is designed to address the needs of homeowners in these counties, who suffer disproportionately from the foreclosure crisis in Oregon. To learn more Continue>>

 

rahapp

 

 


Developed by Oregon Senator Jeff Merkley, the Rebuilding American Homeownership Assistance (RAHA) Pilot Program aims to provide a refinancing opportunity for homeowners that are underwater on their mortgage. To learn more Continue>>

 

The Mortgage Payment Assistance Program was the largest program offered by OHSI. There were three separate offerings for Mortgage Payment Assistance providing assistance to unemployed, underemployed or financially distressed homeowners by providing up to 12 full months of mortgage payments or $20,000, whichever comes first.

 

MPA will provide an estimated $148 million in assistant to more than 11,000 homeowners statewide.

Rhode Island

ri

 

 

Allocation: $79,351,573

Most Recent Quarterly Report
Fact Sheet


For more information: http://www.rhodeislandhousing.org/
Latest Amendment: Rhode Island 11th Amendment to the Agreement
Homeowner Stories: The Hardest Hit Fund is Helping Struggling Homeowners Like Mirta of Pawtucket, RI

Rhode Island Housing successfully administered the Hardest Hit Fund RI program and stopped accepting applications for homeowners as of January 31, 2013.

This date is consistent with Rhode Island’s Treasury-approved two-year allocation plan.

 

The U.S. Department of Treasury gave $79 million to Rhode Island to help prevent foreclosures and stabilize the housing market. U.S. Senators Jack Reed and Sheldon Whitehouse, Congressmen Jim Langevin and David Cicilline, and former Congressman Patrick Kennedy played a strong advocacy role in convincing Treasury to provide assistance to homeowners in hard hit states like Rhode Island. Rhode Island Housing, which was designated by Treasury to oversee HHFRI, helped make Rhode Island the first in the nation to fully allocate its funds. Rhode Island was one of 18 states and the District of Columbia to receive funding.

 

In considering HHFRI’s design, we paid a great deal of attention to how much assistance could be offered to each homeowner, knowing that funds were limited and tens of thousands of Rhode Islanders were at risk of foreclosure. Our goal was to assist the greatest number of individuals and families with an amount sufficient to have a significant likelihood of preventing foreclosure. HHFRI has assisted Rhode Islanders in every community. Since its launch in December 2010, more than 5,300 homeowners sought HHFRI counseling and more than 3,300 homeowners received assistance.

 

HHFRI evolved into the state’s premier foreclosure-prevention program due to the input of the Rhode Island Housing Working Group of key business and community partners, which included Rhode Island’s Congressional delegation, U.S. Treasury, members of our General Assembly, HUD approved counseling agencies, lenders and servicers, municipalities, nonprofits and state agencies. Rhode Island Housing is proud and thankful for the role this group played in advising the agency how to best oversee the needed funds. HHFRI has assisted homeowners in the following ways:

 

Help to make mortgage payments while unemployed.

Help to make mortgage payments while unemployed.

Help to make an immediate payment to save a home such as unpaid property taxes.

Help to obtain a loan modification from the lender.

Help to assist homeowners, who are in a severe financial crisis, to relocate.

Help to assist homeowners, who are in a severe financial crisis, to relocate.

 

HHFRI has been a great success for struggling Rhode Island homeowners, as it has played a key role in stabilizing the housing market and revitalizing neighborhoods throughout the state. For more information on the Hardest Hit Fund, visit www.treasury.gov.

South Carolina

sc

 

 

Allocation: $295,431,547

Most Recent Quarterly Report
About SC HELP


 

For more information: http://www.schelp.gov/
Latest Amendment: South Carolina 10th Amendment to the Agreement

About SC HELP

What is SC HELP and what can it do for you?

SC HELP was launched in January 2011 to help responsible South Carolina homeowners who are struggling to make their mortgage payments stay in their homes during hard financial times. SC HELP is sponsored by the U.S. Department of the Treasury and the South Carolina State Housing Finance and Development Authority.

 

SC HELP is a FREE service.

There is no cost to you for applying for SC HELP. If anyone asks you to pay for mortgage help, it may be a scam.

 

If you are having trouble paying your mortgage due to:

Unemployment;

Underemployment;

Loss or drastic reduction of self-employment income;

Catastrophic health related expenses;

Divorce; or

Death of a spouse,

SC HELP may be able to help you to catch up on missed payments and/or make mortgage payments on your behalf while you get back on your feet.

 

Four ways SC HELP may help:

 

Monthly Payment Assistance: SC HELP assists eligible households by making their monthly mortgage payments, giving you time to get back on your feet. If you qualify, SC HELP will make the monthly mortgage payment directly to your bank.

 

Direct Loan Assistance: If you are behind on your mortgage payments, SC HELP may provide funds to get you caught up on your mortgage payments. For some, this will solve the problem. For others, Monthly Payment Assistance may also be available.

 

Transition Assistance: If the home cannot be saved by any of our other programs and goes to a short-sale or deed-in-lieu of foreclosure, SC HELP can provide a $5,000 grant to help you with expenses for moving into a rental situation.

 

Modification/Recast Assistance: This program provides funding in the form of a one-time payment to help homeowners qualify for an acceptable modification or recast (re-amortization) of their first mortgage, returning the homeowner to self-sustainability. Amounts past due on the first mortgage will be reinstated with this funding.

 

You may qualify for more than one type of assistance. There is a maximum assistance limit of $36,000 per household.

 

SC HELP is here for you!

Anyone can experience financial hardship, therefore, there is no limit on household income; however, original loan amount may not be more than $729,750.

 

You do not have to be behind on your mortgage payments to apply.

 

If you think you may qualify for SC HELP, we urge you to START NOW to see if you might qualify.

 

Who does SC HELP assist?

Tennessee

tn

 


Allocation:
$217,315,593

Most Recent Quarterly Report
Fact Sheet | Spanish Fact Sheet


For more information: http://www.keepmytnhome.org/
Latest Amendment: Tennessee 10th Amendment to the Agreement

 

keep-my-tennessee

The Keep My Tennessee Home program is closed and is no longer taking new applications for any hardship. If you are facing foreclosure, we encourage you to review the tips for Avoiding Foreclosure and to contact one of our free and confidential foreclosure prevention counselors.


Avoiding Foreclosure

 

Are you anticipating a change to your mortgage that will be too expensive for you? Do not ignore the situation, act now. THDA has provided training to many organizations across Tennessee that will provide free and confidential counseling about your options. Please do not delay.
Start with the company that made the mortgage with you. Mortgage lenders can offer services to persons who are facing unaffordable payments. More options are available.


Identify your Contacts

 

Contact a certified counselor.

These agencies are valuable resources. They have information on services and programs offered by government agencies and private/community organizations that might be able to help you. These counseling services are free of charge. Click for Certified Counselors

Your original lender may have sold your mortgage to a servicer. The servicer is the company that collects the monthly payment.

The federal government is offering information and options.

For more information, aimed at helping homeowners stay in their homes, see tips on how to avoid foreclosure.

Washington D.C.

md

 


Allocation:
$20,697,198

Most Recent Quarterly Report
Fact Sheet


For more information: https://www.homesaverdc.org/
Latest Amendment: Washington DC 11th Amendment to the Agreement

 

DCHFA now offers a Tax Lien Extinguishment component of its HomeSaver Program. Under its new Tax Lien Extinguishment component, DCHFA will make a one-time payment to extinguish the delinquent real property taxes for all eligible District of Columbia homeowners.

 

This website is the fastest way to submit an application for the Tax Lien Extinguishment Program.

 

You can get started by setting up a profile and we will connect you with a housing counseling agency. Once you have completed this application, a housing counseling agency will contact you about your next steps.

 

If you prefer to apply by telephone or in person, please contact us at 202-777-1690 for assistance.

 

Funds for the Tax Lien Extinguishment Program will be administered on a first come first serve basis for qualified District of Columbia Homeowners.

 

HomeSaver is no longer accepting applications for the Unemployment Program or the Underemployment Program.*

HHF Data Intake

  • REGISTER

    STEP ONE

    Click button to Register as a new client through our secure portal

  • DOWNLOAD

    STEP TWO

    Click Download to get data intake form

  • LOGIN

    STEP THREE

    Enter your data and login to your dashboard and upload the intake form

  • ANALYSIS

    STEP FOUR

    We will conduct initial analysis to start the HHF Process

Our Process

TESTIMONIALS