FEDERAL HOUSING ASSISTANCE PROGRAMS

Homeowner Assistance Fund (HAF)

The Homeowner Assistance Fund was created to help homeowners who experienced financial hardship and are struggling to keep up with housing-related expenses. Depending on your state's program availability, assistance may be available for mortgage payments, delinquent property taxes, homeowners insurance, utilities, and HOA fees.

Who They Help: Homeowners experiencing financial hardship and housing instability.

Learn More: U.S. Department of the Treasury: View information about how to connect with homeowner assistance near you. Click Here

HUD Housing Counseling

HUD-certified housing counselors provide free or low-cost guidance to homeowners who are behind on mortgage payments, facing foreclosure, or seeking assistance navigating available housing programs. Counselors can help homeowners understand options, negotiate with mortgage servicers, and develop plans to avoid foreclosure.

Who They Help: Homeowners, renters, seniors, veterans, and families facing housing challenges.

National Hotline: 800-569-4287

Learn More: U.S. Department of Housing and Urban Development: Click Here

HUD Foreclosure Prevention Assistance

HUD's foreclosure prevention resources help homeowners understand loan modifications, repayment plans, forbearance options, and alternatives to foreclosure. Early action can often create additional options for keeping your home.

Who They Help: Homeowners who have missed mortgage payments or received foreclosure notices.

Learn More: U.S. Department of Housing and Urban Development- Avoiding Foreclosure: Click Here

Consumer Financial Protection Bureau (CFPB) Housing Hub

The CFPB provides unbiased information to help homeowners understand mortgage relief options, communicate with mortgage servicers, and learn about homeowner rights during financial hardship.

Who They Help: Homeowners seeking guidance on mortgage issues and foreclosure prevention.

Learn More: The CFPB tools and resources provide guidance for housing situations—whether you are buying, renting, owning, experiencing housing insecurity, or working as an industry professional. Click Here

USA.gov Foreclosure Assistance

USA.gov connects homeowners with verified federal resources for FHA, VA, USDA, and conventional mortgage assistance programs. The site also provides links to legal aid, housing counseling, and foreclosure prevention resources.

Who They Help: Homeowners seeking trusted government foreclosure-prevention information.

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