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.

Learn More: Avoiding Foreclosure. Click Here

Veterans Affairs Housing Assistance

Veterans with VA-backed home loans may qualify for specialized foreclosure-prevention programs. VA loan technicians can work directly with homeowners and mortgage servicers to identify solutions before foreclosure occurs.

Who They Help: Veterans and military families with VA-backed mortgages.

VA Housing Hotline: 877-827-3702

Learn More: U.S. Department of Veteran's Affairs. Click Here

ALABAMA

Alabama Housing Finance Authority (AHFA)

The Alabama Housing Finance Authority helps residents access affordable housing opportunities, homeownership programs, and educational resources that support long-term housing stability. Homeowners facing financial hardship can find referrals to counseling services and foreclosure-prevention assistance.

Who They Help: Homeowners, veterans, seniors, first-time homebuyers, and families facing financial hardship.

Website: https://www.ahfa.com

ALASKA

Alaska Housing Finance Corporation (AHFC)

Alaska Housing Finance Corporation promotes safe and affordable housing throughout the state. Residents can access homebuyer education, homeowner support programs, and housing counseling resources designed to strengthen financial stability and preserve homeownership.

Who They Help: Homeowners, renters, rural residents, veterans, and first-time homebuyers.

Website: https://www.ahfc.us

ARIZONA

Arizona Department of Housing

The Arizona Department of Housing supports affordable housing initiatives and provides information about homeowner assistance programs, housing counseling services, and resources that may help prevent foreclosure and housing displacement.

Who They Help: Arizona homeowners, renters, veterans, seniors, and low-to-moderate-income households.

Website: https://housing.az.gov

ARKANSAS

Arkansas Development Finance Authority (ADFA)

The Arkansas Development Finance Authority helps residents access housing resources that support homeownership, financial wellness, and housing stability. Homeowners experiencing hardship can explore educational resources and available assistance programs.

Who They Help: Homeowners, prospective homebuyers, veterans, and families seeking housing support.

Website: https://adfa.arkansas.gov

CALIFORNIA

California Housing Finance Agency (CalHFA)

CalHFA is one of the nation's leading housing agencies, providing programs that support affordable homeownership, housing education, and homeowner assistance. California residents can explore resources designed to help maintain housing stability during challenging financial times.

Who They Help: Homeowners, veterans, first-time buyers, working families, and moderate-income households.

Website: https://www.calhfa.ca.gov

COLORADO

Colorado Housing and Finance Authority (CHFA)

CHFA works to expand affordable housing opportunities throughout Colorado. The agency offers housing education, counseling referrals, and resources that help residents maintain stable homeownership and avoid financial hardship.

Who They Help: Homeowners, renters, veterans, seniors, and first-time buyers.

Website: https://www.chfainfo.com

CONNECTICUT

Connecticut Housing Finance Authority (CHFA)

The Connecticut Housing Finance Authority promotes affordable housing opportunities through educational programs, counseling referrals, and homeownership initiatives that help residents achieve long-term housing stability.

Who They Help: Connecticut homeowners, homebuyers, veterans, and families seeking housing support.

Website: https://www.chfa.org/about-us/

DELAWARE

Delaware State Housing Authority (DSHA)

The Delaware State Housing Authority provides housing assistance resources and supports programs that help residents maintain safe, affordable housing. Homeowners can access information about counseling services and housing stability programs.

Who They Help: Homeowners, renters, seniors, veterans, and families throughout Delaware.

Website: https://destatehousing.com

FLORIDA

Florida Housing Finance Corporation (FHFC)

Florida Housing Finance Corporation serves as Florida's primary housing agency, connecting homeowners and families with resources that support housing stability. The agency provides access to housing counseling referrals, educational programs, and homeownership assistance resources.

Who They Help: Florida homeowners, renters, veterans, seniors, first-time homebuyers, and families facing housing challenges.

Website: https://www.floridahousing.org

GEORGIA

Georgia Department of Community Affairs (DCA)

The Georgia Department of Community Affairs helps residents access affordable housing opportunities, homeownership programs, and community development resources. Through partnerships with housing providers and counseling agencies, homeowners can find support designed to improve housing stability and prevent foreclosure.

Who They Help: Georgia homeowners, renters, veterans, seniors, first-time homebuyers, and families facing financial hardship.

Website:https://dca.georgia.gov/

HAWAII

Hawaii Housing Finance and Development Corporation (HHFDC)

The Hawaii Housing Finance and Development Corporation supports affordable housing initiatives and programs that help residents achieve and maintain homeownership. The agency works to strengthen housing opportunities while connecting residents with resources that promote long-term housing stability.

Who They Help: Homeowners, renters, veterans, Native Hawaiian communities, seniors, and first-time homebuyers.

Website: https://dbedt.hawaii.gov/hhfdc

IDAHO

Idaho Housing and Finance Association (IHFA)

The Idaho Housing and Finance Association provides housing education, counseling resources, and homeownership assistance programs designed to help Idaho residents achieve financial stability and secure affordable housing opportunities.

Who They Help: Homeowners, renters, veterans, seniors, rural residents, and first-time homebuyers.

Website: https://www.idahohousing.com

ILLINOIS

Illinois Housing Development Authority (IHDA)

The Illinois Housing Development Authority helps residents access affordable housing opportunities and housing-related resources. Through education, counseling partnerships, and homeownership support programs, IHDA works to strengthen communities across Illinois.

Who They Help: Illinois homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.ihda.org

INDIANA

Indiana Housing and Community Development Authority (IHCDA)

The Indiana Housing and Community Development Authority supports affordable housing initiatives and programs that promote long-term housing stability. Homeowners can access educational resources, housing counseling referrals, and information about available assistance programs.

Who They Help: Homeowners, renters, veterans, seniors, and Indiana families seeking housing support.

Website: https://www.in.gov/ihcda

IOWA

Iowa Finance Authority (IFA)

The Iowa Finance Authority works to improve housing opportunities through affordable housing programs, educational initiatives, and resources that support successful homeownership. The agency helps connect residents with housing assistance and counseling services.

Who They Help: Iowa homeowners, renters, veterans, seniors, and first-time buyers.

Website: https://www.iowafinance.com

KANSAS

Kansas Housing Resources Corporation (KHRC)

Kansas Housing Resources Corporation administers housing programs that support affordable homeownership, housing stability, and community development. Residents can access resources designed to help them navigate housing challenges and strengthen financial well-being.

Who They Help: Kansas homeowners, renters, veterans, seniors, and families seeking housing assistance.

Website: https://kshousingcorp.org

KENTUCKY

Kentucky Housing Corporation (KHC)

Kentucky Housing Corporation provides housing assistance resources, homeownership support programs, and educational opportunities designed to help residents achieve stable and sustainable housing. The agency works closely with local partners to strengthen communities across Kentucky.

Who They Help: Homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.kyhousing.org

LOUISIANA

Louisiana Housing Corporation (LHC)

Louisiana Housing Corporation helps residents access affordable housing opportunities, homeownership programs, and housing stability resources. The agency also supports communities recovering from economic and natural-disaster-related housing challenges.

Who They Help: Homeowners, renters, veterans, seniors, disaster-affected households, and first-time buyers.

Website: https://www.lhc.la.gov

MAINE

MaineHousing

MaineHousing provides affordable housing resources, homeownership support programs, and educational services that help residents achieve and maintain stable housing. The agency works to strengthen housing opportunities throughout the state.

Who They Help: Maine homeowners, renters, veterans, seniors, rural residents, and first-time homebuyers.

Website: https://www.mainehousing.org

MARYLAND

Maryland Department of Housing and Community Development (DHCD)

The Maryland Department of Housing and Community Development supports affordable housing initiatives, community revitalization efforts, and homeownership opportunities throughout the state. Residents can access resources designed to promote housing stability and long-term financial well-being.

Who They Help: Maryland homeowners, renters, veterans, seniors, and families seeking housing assistance.

Website: https://dhcd.maryland.gov

IMPORTANT: Need Immediate Housing Assistance?

If you are behind on your mortgage payments, facing foreclosure, or struggling to pay housing-related expenses, do not wait until the situation becomes more severe. Contact your state's housing agency, a HUD-approved housing counselor, or your mortgage servicer as soon as possible to discuss available options and assistance programs.

MASSACHUSETTS

MassHousing

MassHousing helps residents achieve affordable homeownership and access housing stability resources throughout Massachusetts. The agency offers educational programs, financing opportunities, and homeowner support initiatives designed to strengthen communities and promote long-term housing success.

Who They Help: Massachusetts homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.masshousing.com

MICHIGAN

Michigan State Housing Development Authority (MSHDA)

The Michigan State Housing Development Authority provides housing assistance programs, homeownership resources, and educational opportunities designed to support housing stability. Residents can explore programs that help strengthen financial security and preserve homeownership.

Who They Help: Michigan homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.michigan.gov/mshda

MINNESOTA

Minnesota Housing

Minnesota Housing works to ensure residents have access to affordable housing opportunities and homeownership resources. Through education, counseling partnerships, and housing initiatives, the agency helps strengthen communities across the state.

Who They Help: Minnesota homeowners, renters, veterans, seniors, and families seeking housing support.

Website: https://www.mnhousing.gov

MISSISSIPPI

Mississippi Home Corporation

Mississippi Home Corporation supports affordable homeownership opportunities and housing stability programs for residents throughout the state. The agency provides educational resources and assistance programs designed to help families achieve and maintain stable housing.

Who They Help: Mississippi homeowners, renters, veterans, seniors, and first-time buyers.

Website: https://www.mshomecorp.com

MISSOURI

Missouri Housing Development Commission (MHDC)

The Missouri Housing Development Commission promotes affordable housing opportunities and supports programs that help residents achieve housing stability. Homeowners can access educational resources and information regarding housing assistance options available throughout Missouri.

Who They Help: Missouri homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.mhdc.com

MONTANA

Montana Board of Housing

The Montana Board of Housing works to expand access to affordable housing opportunities throughout the state. The agency supports homeownership initiatives and educational programs that help residents maintain stable housing and build stronger financial futures.

Who They Help: Montana homeowners, renters, veterans, seniors, rural residents, and first-time buyers.

Website: https://housing.mt.gov

NEBRASKA

Nebraska Investment Finance Authority (NIFA)

The Nebraska Investment Finance Authority provides affordable housing programs, homeownership assistance, and educational resources that help residents achieve stable and sustainable housing. The agency supports communities throughout Nebraska by promoting access to housing opportunities.

Who They Help: Nebraska homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.nifa.org

NEVADA

Nevada Housing Division

The Nevada Housing Division supports housing affordability and housing stability initiatives across the state. Residents can access information about housing programs, counseling services, and resources designed to strengthen financial well-being and prevent housing instability.

Who They Help: Nevada homeowners, renters, veterans, seniors, and low-to-moderate-income households.

Website: https://housing.nv.gov

NEW HAMPSHIRE

New Hampshire Housing

New Hampshire Housing provides affordable housing resources, homeownership support programs, and educational opportunities designed to help residents achieve long-term housing success. The agency works with local partners to strengthen housing opportunities statewide.

Who They Help: Homeowners, renters, veterans, seniors, rural residents, and first-time homebuyers.

Website: https://www.nhhfa.org

NEW JERSEY

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

The New Jersey Housing and Mortgage Finance Agency helps residents access affordable housing opportunities, homeownership resources, and housing stability programs. Through education and financial assistance initiatives, the agency supports sustainable housing throughout the state.

Who They Help: New Jersey homeowners, renters, veterans, seniors, moderate-income households, and first-time buyers.

Website: https://www.nj.gov/dca/hmfa/homebuyers-and-renters/

MASSACHUSETTS

MassHousing

MassHousing helps residents achieve affordable homeownership and access housing stability resources throughout Massachusetts. The agency offers educational programs, financing opportunities, and homeowner support initiatives designed to strengthen communities and promote long-term housing success.

Who They Help: Massachusetts homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.masshousing.com

MICHIGAN

Michigan State Housing Development Authority (MSHDA)

The Michigan State Housing Development Authority provides housing assistance programs, homeownership resources, and educational opportunities designed to support housing stability. Residents can explore programs that help strengthen financial security and preserve homeownership.

Who They Help: Michigan homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.michigan.gov/mshda

MINNESOTA

Minnesota Housing

Minnesota Housing works to ensure residents have access to affordable housing opportunities and homeownership resources. Through education, counseling partnerships, and housing initiatives, the agency helps strengthen communities across the state.

Who They Help: Minnesota homeowners, renters, veterans, seniors, and families seeking housing support.

Website: https://www.mnhousing.gov

MISSISSIPPI

Mississippi Home Corporation

Mississippi Home Corporation supports affordable homeownership opportunities and housing stability programs for residents throughout the state. The agency provides educational resources and assistance programs designed to help families achieve and maintain stable housing.

Who They Help: Mississippi homeowners, renters, veterans, seniors, and first-time buyers.

Website: https://www.mshomecorp.com

MISSOURI

Missouri Housing Development Commission (MHDC)

The Missouri Housing Development Commission promotes affordable housing opportunities and supports programs that help residents achieve housing stability. Homeowners can access educational resources and information regarding housing assistance options available throughout Missouri.

Who They Help: Missouri homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.mhdc.com

MONTANA

Montana Board of Housing

The Montana Board of Housing works to expand access to affordable housing opportunities throughout the state. The agency supports homeownership initiatives and educational programs that help residents maintain stable housing and build stronger financial futures.

Who They Help: Montana homeowners, renters, veterans, seniors, rural residents, and first-time buyers.

Website: https://housing.mt.gov

NEBRASKA

Nebraska Investment Finance Authority (NIFA)

The Nebraska Investment Finance Authority provides affordable housing programs, homeownership assistance, and educational resources that help residents achieve stable and sustainable housing. The agency supports communities throughout Nebraska by promoting access to housing opportunities.

Who They Help: Nebraska homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.nifa.org

NEVADA

Nevada Housing Division

The Nevada Housing Division supports housing affordability and housing stability initiatives across the state. Residents can access information about housing programs, counseling services, and resources designed to strengthen financial well-being and prevent housing instability.

Who They Help: Nevada homeowners, renters, veterans, seniors, and low-to-moderate-income households.

Website: https://housing.nv.gov

NEW HAMPSHIRE

New Hampshire Housing

New Hampshire Housing provides affordable housing resources, homeownership support programs, and educational opportunities designed to help residents achieve long-term housing success. The agency works with local partners to strengthen housing opportunities statewide.

Who They Help: Homeowners, renters, veterans, seniors, rural residents, and first-time homebuyers.

Website: https://www.nhhfa.org

NEW JERSEY

New Jersey Housing and Mortgage Finance Agency (NJHMFA)

The New Jersey Housing and Mortgage Finance Agency helps residents access affordable housing opportunities, homeownership resources, and housing stability programs. Through education and financial assistance initiatives, the agency supports sustainable housing throughout the state.

Who They Help: New Jersey homeowners, renters, veterans, seniors, moderate-income households, and first-time buyers.

Website: https://www.njhmfa.gov

NEW MEXICO

New Mexico Mortgage Finance Authority (MFA)

The New Mexico Mortgage Finance Authority helps residents access affordable housing opportunities, homeownership resources, and housing stability programs. The agency works to strengthen communities by supporting responsible homeownership and providing access to housing-related assistance.

Who They Help: Homeowners, renters, veterans, tribal communities, seniors, and first-time homebuyers.

Website: https://housingnm.org

NEW YORK

New York State Homes and Community Renewal (HCR)

New York State Homes and Community Renewal is the state's primary housing agency, supporting affordable housing, community development, and homeownership opportunities. Residents can access resources that promote housing stability and help navigate financial challenges that may affect housing security.

Who They Help: New York homeowners, renters, veterans, seniors, working families, and first-time homebuyers.

Website: https://hcr.ny.gov

NORTH CAROLINA

North Carolina Housing Finance Agency (NCHFA)

The North Carolina Housing Finance Agency provides affordable housing programs, homeownership assistance, and educational resources designed to support long-term housing success. The agency works with local partners to expand housing opportunities across the state.

Who They Help: North Carolina homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.nchfa.com

NORTH DAKOTA

North Dakota Housing Finance Agency (NDHFA)

The North Dakota Housing Finance Agency promotes affordable housing and sustainable homeownership through educational programs, financing opportunities, and housing support initiatives. Residents can access resources that help strengthen housing stability and financial well-being.

Who They Help: North Dakota homeowners, renters, veterans, rural residents, and first-time buyers.

Website: https://www.ndhfa.org

OHIO

Ohio Housing Finance Agency (OHFA)

The Ohio Housing Finance Agency helps residents access affordable housing opportunities through homeownership programs, educational resources, and housing assistance initiatives. The agency's mission is to improve housing stability and strengthen communities throughout Ohio.

Who They Help: Ohio homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://ohiohome.org

OKLAHOMA

Oklahoma Housing Finance Agency (OHFA)

The Oklahoma Housing Finance Agency supports affordable housing opportunities and promotes successful homeownership through educational programs and housing assistance resources. The agency works to expand housing access and strengthen communities statewide.

Who They Help: Oklahoma homeowners, renters, veterans, seniors, and working families.

Website: https://www.ohfa.org

OREGON

Oregon Housing and Community Services (OHCS)

Oregon Housing and Community Services works to improve housing stability and affordability through housing programs, educational initiatives, and community development efforts. Residents can access resources that support both homeownership and long-term housing success.

Who They Help: Oregon homeowners, renters, veterans, seniors, and low-to-moderate-income households.

Website: https://www.oregon.gov/ohcs

PENNSYLVANIA

Pennsylvania Housing Finance Agency (PHFA)

The Pennsylvania Housing Finance Agency provides affordable housing programs, educational resources, and homeownership assistance designed to help residents achieve and maintain housing stability. The agency works throughout the Commonwealth to strengthen communities and support sustainable homeownership.

Who They Help: Pennsylvania homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.phfa.org

IMPORTANT: Foreclosure Prevention Starts With Taking Action

If you're falling behind on mortgage payments, facing financial hardship, or concerned about losing your home, help may still be available. Many housing assistance programs, counseling services, and lender solutions are most effective when homeowners seek assistance early.

RHODE ISLAND

Rhode Island Housing

Rhode Island Housing helps residents achieve housing stability through affordable homeownership programs, housing education, financial assistance resources, and community development initiatives. The agency works to expand access to safe and affordable housing opportunities throughout the state.

Who They Help: Rhode Island homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.rihousing.com

SOUTH CAROLINA

South Carolina State Housing Finance and Development Authority (SC Housing)

SC Housing supports affordable housing opportunities and sustainable homeownership through educational programs, financial assistance resources, and housing initiatives that strengthen communities throughout South Carolina.

Who They Help: South Carolina homeowners, renters, veterans, seniors, and working families.

Website: https://www.schousing.com

SOUTH DAKOTA

South Dakota Housing Development Authority (SDHDA)

The South Dakota Housing Development Authority provides housing assistance resources, affordable financing opportunities, and educational programs designed to support long-term housing stability and successful homeownership.

Who They Help: South Dakota homeowners, renters, veterans, rural residents, and first-time homebuyers.

Website: https://www.sdhda.org

TENNESSEE

Tennessee Housing Development Agency (THDA)

The Tennessee Housing Development Agency works to improve housing affordability and strengthen communities through homeownership programs, housing education, and housing assistance resources available throughout the state.

Who They Help: Tennessee homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://thda.org

TEXAS

Texas Department of Housing and Community Affairs (TDHCA)

The Texas Department of Housing and Community Affairs administers housing programs designed to improve housing affordability, support homeownership, and provide assistance to families experiencing housing challenges. The agency serves communities throughout Texas with a variety of housing-related resources.

Who They Help: Texas homeowners, renters, veterans, seniors, and low-to-moderate-income households.

Website: https://www.tdhca.texas.gov

UTAH

Utah Housing Corporation

Utah Housing Corporation helps residents achieve homeownership and maintain housing stability through affordable financing programs, educational resources, and housing support initiatives.

Who They Help: Utah homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://utahhousingcorp.org

VERMONT

Vermont Housing Finance Agency (VHFA)

The Vermont Housing Finance Agency supports affordable housing opportunities and sustainable homeownership through educational programs, financing solutions, and housing assistance resources available to Vermont residents.

Who They Help: Vermont homeowners, renters, veterans, seniors, and first-time buyers.

Website: https://www.vhfa.org

VIRGINIA

Virginia Housing

Virginia Housing helps residents achieve and maintain successful homeownership through affordable housing programs, financial education, and housing assistance initiatives. The agency works to improve housing opportunities throughout the Commonwealth.

Who They Help: Virginia homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.virginiahousing.com

WASHINGTON

Washington State Housing Finance Commission

The Washington State Housing Finance Commission supports affordable housing and homeownership opportunities through financing programs, educational initiatives, and housing resources designed to strengthen communities throughout the state.

Who They Help: Washington homeowners, renters, veterans, seniors, and moderate-income households.

Website: https://www.wshfc.org

WEST VIRGINIA

West Virginia Housing Development Fund

The West Virginia Housing Development Fund promotes affordable housing opportunities through homeownership programs, educational resources, and housing assistance initiatives that help residents build stable futures.

Who They Help: West Virginia homeowners, renters, veterans, seniors, and first-time homebuyers.

Website: https://www.wvhdf.com

WISCONSIN

Wisconsin Housing and Economic Development Authority (WHEDA)

WHEDA supports affordable housing opportunities, homeownership initiatives, and community development programs designed to strengthen Wisconsin communities and improve housing stability for residents.

Who They Help: Wisconsin homeowners, renters, veterans, seniors, and working families.

Website: https://www.wheda.com

WYOMING

Wyoming Community Development Authority (WCDA)

The Wyoming Community Development Authority provides affordable housing resources, financing opportunities, and educational programs designed to help residents achieve and maintain stable housing throughout the state.

Who They Help: Wyoming homeowners, renters, veterans, rural residents, and first-time homebuyers.

Website: https://www.wyomingcda.com

DISTRICT OF COLUMBIA

District of Columbia Housing Finance Agency (DCHFA)

The District of Columbia Housing Finance Agency works to expand affordable housing opportunities and promote sustainable homeownership throughout Washington, D.C. The agency provides educational resources, financing programs, and housing support services designed to strengthen communities.

Who They Help: District residents, veterans, seniors, moderate-income households, and first-time homebuyers.

Website: https://www.dchfa.org

MORE INFORMATION:

Consumer Financial Protection Bureau (CFPB) Housing Hub

The CFPB Housing Hub offers mortgage assistance information, foreclosure prevention guidance, homeowner rights resources, and tools for communicating with mortgage servicers.

Get Help Now: https://www.consumerfinance.gov/housing

WHEN TO SEEK HELP

You do not need to wait until foreclosure proceedings begin to seek assistance. If you are experiencing any of the following situations, consider contacting a housing counselor, your mortgage servicer, or your state housing agency immediately:

• Missed one or more mortgage payments
• Received a Notice of Default or foreclosure notice
• Experienced job loss or reduced income
• Medical hardship or unexpected expenses
• Divorce, separation, or family hardship
• Property tax delinquency
• Difficulty paying homeowners insurance
• Utility shutoff notices
• Financial hardship affecting housing stability

The earlier you seek assistance, the more options may be available.

IMPORTANT DISCLAIMER

The information contained in this directory is provided for informational and educational purposes only. Housing assistance programs, eligibility requirements, funding availability, agency contacts, and website information may change without notice.

VINCE Magazine does not administer housing assistance programs, mortgage relief funds, legal services, foreclosure prevention programs, or government benefits. Visitors should verify all information directly with the agency or organization before applying for assistance.

If you are facing an immediate foreclosure deadline, contact your mortgage servicer, a HUD-approved housing counselor, or a qualified housing professional as soon as possible to discuss available options.