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Hardest Hit Fund

Additional help for homeowners in hardest hit states. This program was created to help homeowners in states affected by housing price declines and the recession. If you are having difficulty making your mortgage payments and you live in a participating state, the Hardest Hit Fund may be an option.

Is the Hardest Hit Fund right for me?

Program goal

The federal government created the Hardest Hit Fund (HHF) to help homeowners in states that have been affected the most by recent housing and economic downturns. The Hardest Hit Fund includes multiple programs developed for homeowners faced with different types of financial hardship. These programs are available in select states, with eligibility and assistance amounts determined by each state.

Choose your state to learn about available programs

By selecting your state, you can see which programs are available. Eligibility, level of financial assistance and length of assistance are determined by each participating state. Visit your state's website for program details, requirements and information on how to apply. Because these programs change frequently, we recommend checking back often for updates.

All Hardest Hit Fund Programs

 

 


Visit your state's Hardest Hit Fund website to learn more and apply for the following programs:

 
 

Your state does not participate in any Hardest Hit Fund programs.
However, other programs may be available to help youother programs may be available to help you.

Hardest Hit Fund Frequently Asked Questions

What is the Hardest Hit Fund?

The Hardest Hit Fund is made up of funds allocated by the federal government to specific states hardest hit by the recent economic downturn and is intended to help homeowners faced with financial hardship.

Am I eligible for the Hardest Hit Fund if I am in the process of a short sale or deed in lieu?

If you have not yet completed a short sale or deed in lieu, you may still be eligible for one of the Hardest Hit Fund programs.

How can I take advantage of the Hardest Hit Fund?

Please choose your state to determine if it is currently part of the Hardest Hit Fund program. If so, visit your state’s Hardest Hit Fund website as soon as possible for more information on how to apply.

If you live in Arizona, California, Nevada, Ohio or Rhode Island and are interested in the Hardest Hit Fund Principal Reduction Program, you will need to apply for a Home Affordable Modification apply for a Home Affordable Modification. Please call us at 1.800.846.2222 to discuss your options.

When will my state become part of the program?

Due to limitations in federal funding, new states are not likely to participate in the Hardest Hit Fund. If your state is not currently part of the Hardest Hit Fund program, it is unlikely to be approved for this program in the future. Choose your state to find out if it is currently part of the Hardest Hit Fund program.

Does this program affect my application for the Home Affordable Modification Program?

If you are eligible, the financial information packet that you receive as part of your modification application will include a Third-Party Authorization that must be filled out and returned to us. We will then be able to review your eligibility for the Hardest Hit Fund Principal Reduction Program.

If you did not receive a Third-Party Authorization and live in a participating state, please call us and speak with a specialist.

If you are unemployed and call us to apply for a home loan modification, we may speak with you about the Hardest Hit Fund Unemployment Program, if your state offers it. In that situation, you may need to decide which type of assistance you wish to pursue because you may only take advantage of one program at one time.