State Mortgage Assistance Resources

Updated October 28, 2022

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.

State

Website

Additional Assistance Information

Alabama

Mortgage Assistance Alabama | Alabama Housing Finance Authority (ahfa.com)

Alaska

Alaska Housing Relief

Arkansas

Arkansas Homeowner Assistance Fund

California

California Mortgage Relief Program

Colorado

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)

Connecticut

MyHomeCT

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.

Delaware

Homeowner Assistance Funds

District of Columbia

Homeowner Assistance Fund

Florida

Homeowner Assistance Fund

Georgia

Georgia Mortgage Assistance Program

Guam

Guam Homeowners Assistance Fund Program

Hawaii

Homeowner Assistance Fund

Idaho

More information coming soon

Illinois

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: www.illinoisattorneygeneral.gov

Indiana

1-877-GET-HOPE

Iowa

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 | Website:IowaMortgageHelp.com

Kansas

Kansas Homeowner Assistance Fund

Kentucky

Kentucky Homeownership Protection Center

Louisiana

Louisiana Homeowner Assistance Fund

Maine

Maine Homeowner Assistance Fund

Maryland

Maryland Homeowner Assistance Fund

Massachusetts

Massachusetts Homeowner Assistance Fund

Michigan

Michigan Homeowner Assistance Fund

Minnesota

HomeHelpMN COVID-a9 Homeowner Assistance Fund

Missouri

Missouri SAFHR For Homeowners Mortgage Relief Information

Montana

Montana's APRA website

Nebraska

Nebraska Homeowner Assistance Fund

Nevada

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: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/

    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 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

    North Carolina

    NC Homeowner Assistance Fund

    North Dakota

    Coronavirus (COVID-19 Information)

    Ohio

    Homeowner Assistance Fund

    Oklahoma

    Oklahoma Homeowner Assistance Fund

    Oregon

    Homeowner Assistance Fund

    Pennsylvania

    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

    Tennessee

    TNHAF Homeowner Assistance Fund

    Texas

    Texas HAF Program

    Utah

    More information coming soon

    Vermont

    Vermont Homeowner Assistance Program (HAP)

    Virginia

    Virginia Mortgage Relief Program

    Virgin Islands

    More information coming soon

    Washington

    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: Homeownership-WA.org

    West Virginia

    West Virginia Homeowner Rescue

    Wisconsin

    Wisconsin Help for Homeowners

    Wyoming

    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.