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Home > Debt Articles > Unemployed and Struggling to Make Your Mortgage Payment? Check Hardest Hit Fund for Help.

Unemployed and Struggling to Make Your Mortgage Payment? Check Hardest Hit Fund for Help.

Yesterday over the dinner table we had a guest enjoying barbecue with us and she was talking about her work with the Hardest Hit Fund and all the mortgages in North Carolina she was screening to be paid by the Obama Hardest Hit Fund program.

Up till now this benefit program had not hit my radar and I was intrigued.

“Does the program actually cover mortgages,” I asked.

“Absolutely, and we pay up to $24,000 for 24 months to qualifying applicants,” she said.

Here is the official description of the program.

President Obama established the Hardest Hit Fund in February 2010 to provide targeted aid to families in states hit hard by the economic and housing market downturn. Each state housing agency gathered public input to implement programs designed to meet the distinct challenges struggling homeowners in their state are facing. States were chosen either because they are struggling with unemployment rates at or above the national average or steep home price declines greater than 20 percent since the housing market downturn.

The states included on the program are:

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New Jersey
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North Carolina
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Rhode Island
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South Carolina
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Washington DC
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Just beware of scammers like I covered in this article. No group working with this official program should ask you for any money upfront. If you want to learn more about this program, use the links above or contact a HUD Housing Counselor.

So if you are unemployed and starting to fall behind on your mortgage but not yet in foreclosure, this program might be worth investigating.


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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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