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How to get assistance from the Michigan Hardest Hit Fund.

The federal government has provided Michigan over $150 million in housing assistance. The state will be disbursing this money to homeowners across the state in an effort to provide them with mortgage relief. The federal government funds will be able to help an estimated 20,000 families avoid foreclosure or get back on track with paying their home loans.

The Michigan Hardest Hit Fund will provide three types of assistance to struggling homeowners, and the main components include the following.

The unemployed may qualify. Tens of thousands of individuals have lost their jobs in this weak economy. Those homeowners that are currently receiving federal government or state unemployment benefits may be able to qualify to get up to one half of their monthly mortgage paid for through this program. This component will be focused on people who lost their jobs because of a circumstance beyond their control. The maximum amount of government money that these individuals can receive is up to $750 a month for up to a maximum of one year.

In addition, the plan will be able to assist those homeowners who are facing a foreclosure because they have have fallen behind on their monthly mortgage payments because of a reduction in income, temporary layoff, health issues, or a medical emergency. Homeowners who fall into this category could get up to $5,000 in assistance to be used to pay their mortgage under this portion of the program.

The third main component of the Michigan Hardest Hit Fund is for principal reduction. Homeowners who still have jobs but have lost income (maybe their new job had a lower income) could get up to $10,000 in cash grants from the state. They will also be able to receive matching assistance from their lender or bank. This will help reduce the amount of principal owed on a home. Click here for Michigan hardest hit fund FAQ and to get more information and details on the program.





How to apply for Michigan Hardest Hit Fund

Michigan homeowners need to apply to the hardest hit fund through their lenders. Contact them for more information. After applying, the lender will need to submit the applications to state housing officials for approval. While the state of Michigan will try to review and approved applications as quickly as possible, the process could still take several weeks. So please plan accordingly. All banks lenders should be participating in the program. You can also call the state at 866.946.7432 if you have questions or to learn more on the application process.

While there are no specific household income limits established by the program, Michigan state officials have said that both the amount and type of assistance offered to individual homeowners will be limited to the hardest-hit families in the state. So this means that only those borrowers who fall into the categories below and who are most qualified will be able to receive help.





By Jon McNamara

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