The Keep My Tennessee Home program is closed and is no longer taking new applications for any hardship.


If you are facing foreclosure we encourage you to review the tips for Avoiding Foreclosure and to contact one of our free and confidential foreclosure prevention counselors.







Avoiding Foreclosure

Are you anticipating a change to your mortgage that will be too expensive for you? Do not ignore the situation, act now. THDA has provided training to many organizations across Tennessee that will provide free and confidential counseling about your options. Please do not delay.

Start with the company that made the mortgage with you. Mortgage lenders can offer services to persons who are facing unaffordable payments. More options are available.

Identify your Contacts

  • Contact a certified counselor. These agencies are valuable resources. They have information on services and programs offered by government agencies and private/community organizations that might be able to help you. These counseling services are free of charge.
  • Your original lender may have sold your mortgage to a servicer. The servicer is the company that collects the monthly payment.
  • The federal government is offering information and options. For more information aimed at helping homeowners stay in their homes, see tips on how to avoid foreclosure.