State Mortgage Assistance Resources

Updated March 16, 2023

The American Rescue Plan Act of 2021 (ARPA) created the Homeowners Assistance Fund (HAF) to provide funds to homeowners facing a financial hardship due to the COVID-19 pandemic. Although HAF is a federal program, it is being administered through all 50 states, the District of Columbia, and 3 territories. The U.S. Department of the Treasury is responsible for the review and approval of each individual state or territory plan. To apply for HAF assistance, you must apply directly through your state’s application process. You can find more information and details on applying by clicking on the link for your state in the table below.

Please note some individual state programs have run out of funds. See your state’s website for more details.

For additional information on the program, please go to or call (800) 569-4287.

In addition, several states have provided us with helpful mortgage assistance resourceswhich are noted below.



Additional Assistance Information


Mortgage Assistance Alabama | Alabama Housing Finance Authority (


Alaska Housing Relief


Arkansas Homeowner Assistance Fund


California Mortgage Relief Program


Colorado Emergency Mortgage Assistance Program

Additionally, the Colorado Foreclosure Hotline offers a free, immediate resource to Colorado homeowners. Call now to receive free, in-person counseling from nonprofit, HUD-approved housing counselors. Counselors are available to help homeowners facing foreclosure or attempting to negotiate loan modifications or refinancing from their lender. Since its inception in 2006, four out of five homeowners who have met face-to-face with a housing counselor through the Colorado Foreclosure Hotline have found a successful resolution to their foreclosure situation. Help is available at 1-877-601-HOPE (4673)



In addition, the free Foreclosure Hotline is open Monday-Friday 8:00 a.m. to 5:00 p.m. Calls will be returned within two business days. You can also reach the Department of Banking at the following telephone numbers: Toll-free: 1-800-831-7225 and at 860-240-8299.


Homeowner Assistance Funds

District of Columbia

Homeowner Assistance Fund


Homeowner Assistance Fund


Georgia Mortgage Assistance Program


Guam Homeowners Assistance Fund Program


Homeowner Assistance Fund


Idaho Homeowners Assistance Fund


Illinois Emergency Homeowner Assistance Fund

Additionally, The Illinois Attorney General’s Office offers free assistance to homeowners who are struggling to make their mortgage payments or have a dispute with their mortgage servicer or lender. Through our informal dispute resolution program, the Illinois Attorney General’s Office provides information to borrowers on their rights and options and, where possible, helps borrowers obtain loan modifications and resolve disputes relating to their mortgage. The Attorney General’s Office also provides referrals to nonprofit legal aid organizations that may be able to offer additional assistance to homeowners. The Attorney General’s Office also investigates allegations of fraud and predatory lending. Borrowers should contact the Illinois Attorney General’s Homeowner Helpline at 1-866-544-7151 for more information. Borrowers can also visit our website at:




Iowa Homeowner Assistance Fund

Additionally, Iowa Mortgage Help offers Iowans access to free, confidential mortgage counseling with local organizations. When you call, you will be referred to a trained, professional counselor who will listen to your situation and offer assistance and resources that best fit your unique situation. This free service is backed by the Iowa Finance Authority and the Iowa Attorney General’s Office. If you are struggling with your mortgage payment, this free call may help you save your home from foreclosure. Phone: (877) 622-4866 |


Kansas Homeowner Assistance Fund


Kentucky Homeownership Protection Center


Louisiana Homeowner Assistance Fund


Maine Homeowner Assistance Fund


Maryland Homeowner Assistance Fund


Massachusetts Homeowner Assistance Fund


Michigan Homeowner Assistance Fund


HomeHelpMN COVID-a9 Homeowner Assistance Fund


Missouri SAFHR For Homeowners Mortgage Relief Information


Montana's APRA website


Nebraska Homeowner Assistance Fund


Nevada Homeowner Assistance Fund

Additionally, Home Again is a public service from the Office of the Nevada Attorney General providing education and assistance for housing and consumer related issues. Counselors at HUD-certified agencies and legal services are available to assist you. Home Again connects Nevadans with resources available through state and federal programs for which they may be eligible. Services are free of charge.

The Home Again program is designed for:

  • Homeowners in need of a loan modification
  • Borrowers who are current, but underwater
  • Borrowers who have lost their homes to foreclosure
  • Households working toward home ownership
  • Home Again encourages residents to call the hotline (1-855-457-4638) and speak to a representative about their housing situation. The call center is open 8:00 a.m. – 5:00 p.m., Monday – Friday. You may also submit your request via the ‘Contact’ form on our website: Para asistencia en español llame al 1-855-457-4683 de Lunes a Viernes, de 8 a.m. a 5 p.m. o visite

    New Hampshire

    HomeHelp NH Homeowner Assistance Fund

    New Jersey

    Homeowner Assistance Fund

    New Mexico

    New Mexico Homeowner Assistance Fund

    New York

    New York State Homeowner Assistance Fund

    If you are a New York State homeowner struggling to make payments, or in a forbearance agreement, then you should know your options. Help is available through the NYS Office of the Attorney General’s Homeowner Protection Program (HOPP) at no cost to you. Call the NYS HOPP Toll-Free Hotline at 1-855-HOME-456 (1-855-466-3456) or go to to get connected with a non-profit housing counselor or legal services organization in your area. Phone: (855) 466-3456 |

    North Carolina

    NC Homeowner Assistance Fund

    North Dakota

    Coronavirus (COVID-19 Information)


    Homeowner Assistance Fund


    Oklahoma Homeowner Assistance Fund


    Homeowner Assistance Fund


    Pennsylvania Homeowner Assistance Fund

    Puerto Rico

    Puerto Rico Homeowner Assistance Fund

    Rhode Island

    Homeowner Assistance Fund Rhode Island

    South Carolina

    SC Housing

    South Dakota

    South Dakota Housing Development Authority


    TNHAF Homeowner Assistance Fund


    Texas HAF Program


    Utah Homeowner Assistance


    Vermont Homeowner Assistance Program (HAP)


    Virginia Mortgage Relief Program

    Virgin Islands

    More information coming soon


    Homeowner Assistance Fund (HAF)

    Housing counselors and legal assistance may be available at little or no cost to you. If you would like assistance in determining your rights and opportunities to keep your home, you may contact the statewide foreclosure hotline recommended by the Housing Finance Commission. Phone: (877) 894-4663(HOME) | Website:

    West Virginia

    West Virginia Homeowner Rescue


    Wisconsin Help for Homeowners


    Homeowner Assistance

    Please be aware of scammers who often try to take advantage of consumers when they are most vulnerable. To learn more about scammers and how to avoid being taken advantage of, please visit the Consumer Financial Protection Bureau’s website.