Helping Michigan's Hardest-Hit Homeowners

The Michigan Homeowner Assistance Nonprofit Housing Corporation (MHA) acting through the Michigan State Housing Development Authority (MSHDA) received $498.6 million in federal funds from the U.S. Department of Treasury. The funds are being used to help Michigan take a step forward through a comprehensive, statewide strategy that is aimed to help homeowners who are at high risk of default or foreclosure.

Through A Step Forward, MHA designed forgivable loan programs to help homeowners who have had a financial hardship that include:

  • Mortgage payment assistance for homeowners currently receiving unemployment compensation.
  • Rescue funds for homeowners who have fallen behind in their mortgage payments due to no fault of their own and who have overcome this obstacle.
  • Federal matching funds for principal reductions for homeowners who can no longer afford their mortgage payments as a result of reduced income.

Homeowners can apply directly for loan assistance at

For Servicers:
Additional foreclosure prevention help may also be available to homeowners. Please contact a Homeownership Counselor in your area or call 866.946.7432 to be directed to a counselor.
Homeowners interested in federal assistance programs can visit for more information.
Fannie Mae and Freddie Mac borrowers can visit Who to Contact For Help and Know Your Options for more options and information.