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Government Mortgage Relief Programs
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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:

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:, 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


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


Fannie Mae High LTV Refinance Option (HIRO)

HIRO is a mortgage relief program that replaced the Home Affordable Refinance Program (HARP), which was meant to help underwater homeowners; however, it expired in 2018 and was replaced by HIRO. 

The HIRO loan program was introduced by Fannie Mae in 2018. HIRO makes it possible for homeowners with Fannie Mae-owned loans who have little to no home equity to qualify for a refinance loan.

Ways to qualify:

  1. Your loan must already be owned by Fannie Mae.
  2. Your loan must have opened on or after Oct. 1, 2017. It also must be at least 15 months old to qualify.
  3. Eligible applicants must have made no late payments longer than 30 days over the last six months and a maximum of one 30-day late payment in the last 12 months.
Get Started Today
Let us provide financial assistance, honest resources, late payment guidance, repayment plans, and personalized solutions for you. Call 1-800-281-3UHA (3842) or email us at Available from 8:00am – 5:00pm.

We’ll guide you through the various options to provide you with the best outcome for your situation.