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Applications are no longer being accepted for mortgage assistance from Indiana’s Hardest Hit Fund. The deadline to apply was May 3, 2021. Additional COVID-19 housing and utility resources can be found at: www.in.gov/ihcda/coronavirus.htm.


Thousands of Indiana homeowners struggle to make their mortgage payments due to job loss through no fault of their own. If you are looking for help, know that you are not alone. The Indiana Foreclosure Prevention Network (IFPN) is your partner in helping you avoid foreclosure.

The Hardest Hit Fund is a statewide program funded by the U.S. Department of the Treasury to assist Indiana homeowners who are struggling with—or who are at risk of—mortgage delinquency and foreclosure.

We provide free and confidential mortgage payment assistance of up to $30,000, mortgage modification assistance or transition assistance to qualifying applicants, as well as foreclosure prevention counseling to any Indiana homeowner in need. By clicking on the “Apply Now” button above or calling 1-877-GET-HOPE, you will connect with a counselor who will help you with your mortgage lender. The IFPN also provides access to legal services for some qualified homeowners.

IFPN partners are located all over the state to help homeowners avoid foreclosure. There is likely a partner in your neighborhood or a nearby county.

Our services:

Mortgage payment assistance

HHF helps qualified homeowners who cannot make their payments or fall behind in their mortgage payments due to an involuntary financial hardship.

  • Hardships that may qualify homeowners for assistance include an involuntary financial hardship including, but not limited to:
  • (a) an involuntary loss of employment or reduction in employment income;
  • (b) a reduction in household income due to death of a household member;
  • (c) expenses related to non-cosmetic medical procedures or emergencies;
  • (d) military service;
  • (e) or divorce.

This help is made possible through the Hardest Hit Fund. Indiana’s Hardest Hit Fund offers forgivable zero-interest loans of up to $30,000 to pay your mortgage while you re-establish yourself financially. The loan may also be used to bring your mortgage payments current.

Call us at 1-877-GET-HOPE, and a counselor will connect with you shortly. Apply now.

Transition Assistance Program (TAP)

For homeowners who cannot be assisted with mortgage payment assistance, transition assistance may be available. The purpose of this program is to prevent avoidable foreclosure and help stabilize neighborhoods by helping homeowners to achieve an orderly exit from their home.

The following TAP assistance will be available:

  • $2,500 to the homeowner to assist with moving and relocation expenses; and
  • Up to $5,000 to lenders/servicers to extinguish and release subordinate liens as part of a short sale or deed-in-lieu of foreclosure agreement.


Homeowners who work with housing counselors are 60% more likely to save their home than homeowners who go it alone!

— Source: Urban Institute, 2009

Lender dispute resolution

In Indiana, you have the right to meet face-to-face with your lender to try to resolve a mortgage dispute before the foreclosure may proceed, but homeowners must request this opportunity with the court. The IFPN can assist you through this process. For more information on settlement assistance, call 1-877-GET-HOPE, or visit the Indiana Supreme Court’s website.

Avoid Scams

IFPN and its partners offer foreclosure assistance at no charge. It’s important to know the difference between IFPN’s program and a potential scam.

The Indiana Office of the Attorney General provides information on how to recognize and avoid scams. Please visit http://www.in.gov/attorneygeneral/2434.htm to file a complaint with the Attorney General if you feel that you have been the victim of a scam.

  • Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
  • Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.

Learn more about reporting scams.