Hardest Hit Fund (HHF) Program

Only eligible for Washington, DC homeowners

Hardest Hit Fund (HHF) provides support to states that were most effected by the economic crisis. Washington DC has a local agency that helps homeowners in various ways, including mortgage payment assistance for the unemployed, principal reduction, and transactional assistance. This helps people either afford the homes they’re in or move to more affordable housing.

Washington DC: homesaverdc.org

Available Programs:

• Mortgage Assistance supports qualified homeowners with monthly payments made directly to the homeowners’ servicer.
• Restore Assistance assists the recently reemployed homeowner by providing a one-time payment to bring the first mortgage current.
• Lifeline Assistance aids a one-time payment to cure homeowners’ mortgage delinquency of Principal, Tax, Interest, and Insurance (PITI), late fees, and condo fees.

How to Apply:

1) Set up an appointment with UHA to walk through the details, or

2) Apply via the website: www.homesaverdc.org, or

3) Talk with a free nonprofit counselor from a HUD-approved agency to find out all the federal, state and lender programs that you may qualify for and receive a personalized action plan on how to get started

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Home Affordable Unemployment Program (UP)

Lowers or suspends mortgage payments for 12 months or more for homeowners who are unemployed.

You may qualify if…

• You have not already obtained a HAMP modification on your mortgage
• You’re eligible for unemployment benefits
• Owe less than $729,750 toward your mortgage
• Live in your home

If you qualify:

• If you qualify, your mortgage payments may be reduced to 31% of your income or fully suspended. At the end of the forbearance, you may be evaluated for a mortgage modification through HAMP.

Not qualified for…

• Fannie Mae or Freddie Mac mortgages

How to Apply:

1) Set up an appointment with UHA to walk through the details, or

2) Talk with a housing consultant from a HUD-approved housing counseling agency

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