You must be currently receiving state-administered unemployment benefits. This information will be verified.
This maximum household income is $77,560. That will include the income of all occupants 18 years or older.
You must owe $258,690 or less on your home's mortgage, including subordinate loans. You must be less than $7,500 past due on your mortgage payment(s).
Homeowners must occupy the residence as their principal residence and the property must be located in the state of Alabama.
Participating Servicers
HHA has enrolled over 120 mortgage loan servicers to participate in the program. View a list of servicers.
Application Checklist:
Have the following information ready:
Mortgage Loan Information
Unemployment Compensation Information
Financial Information
Valid Email Address
Keep your username and password in a safe place.
Single Mom in Mobile Area Finds Hope with Hardest Hit Alabama
First came Winifred W. Cannon's divorce. "I contacted my mortgage company to inform them that my financial situation was at best dire, but was placed on a vicious cycle of faxing papers and denials for a modification," she said.
Followed by illness and job loss. "I was stunned at being laid off, but even more stunned when I contacted my mortgage company and found that because I was unemployed, they would not be able to assist me at all," said Winifred.
Then, she found Hardest Hit Alabama. "I contacted your program and within a matter of weeks was approved. I was then able to focus 100 percent of my efforts on finding employment and not worrying about where my five children and I were going to lay our heads," she said.
HHA made Winifred's monthly mortgage payment while she was unemployed and for 2 additional months after she returned to work in February 2013—easing one burden for the single mom.
"Words cannot express my gratitude," she said. "In a time when I could not see my way for the tears in my eyes, you held my hand and guided me through this process. Everyone I spoke with was exceptionally nice, informative and patient. I have never experienced that kind of A1 service ever."
