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 www.consumerfinance.gov/haf or call (800) 569-4287.
In addition, several states have provided us with helpful mortgage assistance resourceswhich are noted below.
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Website |
Additional Assistance Information |
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Alabama |
Mortgage Assistance Alabama | Alabama Housing Finance Authority (ahfa.com) |
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Alaska |
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Arkansas |
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California |
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Colorado |
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) |
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Connecticut |
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. |
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Delaware |
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District of Columbia |
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Florida |
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Georgia |
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Guam |
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Hawaii |
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Idaho |
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Illinois |
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: www.illinoisattorneygeneral.gov |
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Indiana |
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Iowa |
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 | Website:IowaMortgageHelp.com |
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Kansas |
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Kentucky |
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Louisiana |
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Maine |
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Maryland |
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Massachusetts |
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Michigan |
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Minnesota |
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Missouri |
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Montana |
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Nebraska |
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Nevada |
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: 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:https://homeagainnevada.gov/ Para asistencia en español llame al 1-855-457-4683 de Lunes a Viernes, de 8 a.m. a 5 p.m. o visite https://homeagainnevada.gov/espanol/ |
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New Hampshire |
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New Jersey |
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New Mexico |
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New York |
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 HomeownerHelpNY.org to get connected with a non-profit housing counselor or legal services organization in your area. Phone: (855) 466-3456 | Website:HomeownerHelpNY.org |
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North Carolina |
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North Dakota |
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Ohio |
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Oklahoma |
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Oregon |
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Pennsylvania |
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Puerto Rico |
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Rhode Island |
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South Carolina |
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South Dakota |
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Tennessee |
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Texas |
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Utah |
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Vermont |
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Virginia |
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Virgin Islands |
More information coming soon |
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Washington |
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: Homeownership-WA.org |
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West Virginia |
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Wisconsin |
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Wyoming |
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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.