Step Forward Mortgage Assistance and Hardest Hit Blight Program

The Michigan Homeowner Assistance Nonprofit Housing Corporation (MHA) acting through the Michigan State Housing Development Authority (MSHDA) designed forgivable loan programs to help homeowners who have had a financial hardship.

Michigan homeowners can apply directly at or by calling 866-946-7432.

  • Mortgage payment assistance for homeowners currently receiving Michigan unemployment compensation
  • Rescue funds for homeowners who have fallen behind in their mortgage payments or past due property tax payments due to no fault of their own
  • Federal matching funds for principal reductions for homeowners who can no longer afford their mortgage payments as a result of reduced income

The State of Michigan, through a variety of programs, has made blight elimination a priority in its efforts to reduce foreclosure, revitalize neighborhoods, increase property values and restore hope to communities.

In February 2010, the federal government announced the availability of funding under the HFA Hardest-Hit Fund® to help homeowners struggling as a result of the foreclosure crisis.  Through that process, we learned that addressing blight in our core cities would require a more holistic approach to speed economic recovery and neighborhood revitalization.  In 2013, the Michigan State Housing Development Authority proposed a first-of-its kind national pilot project aimed at large-scale residential blight elimination.  That summer, Gov. Snyder and MSHDA joined federal, state and local partners and stakeholders in announcing $100 million in federal funds to fight blight in five cities.  Subsequent allocations have followed, with funding now being provided to 16 Michigan cities.

These blight elimination and mortgage assistance efforts are overseen and managed through the Michigan Homeowners Assistance Non-profit Housing Corporation (MHA) which is the designated eligible entity for MSHDA. 

Quarterly reporting is compiled and provided in the U.S. Treasury Reports.  Data includes the number of structures, cumulative statistics, assistance provided to date and median demolition totals.  Program term sheets provide program guidelines for Step Forward Michigan and the Blight Elimination Program.

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