Foreclosure Prevention

Should you experience difficulty paying your mortgage, help may be available. It is very important that you contact your loan servicer immediately and don’t let the payment deadline pass. HUD-certified housing counselors can help you navigate this situation successfully and avoid a foreclosure. Your first step is to seek assistance as soon as you suspect that you may not be able to make a payment.

THDA HUD-Certified Housing Counselors:

THDA is a HUD-approved counseling agency with certified housing counselors who will have a confidential conversation with you to discuss your situation and will help you determine the best way to address your needs. Housing counselors do not provide financial assistance but can provide you with resources and solutions. Most importantly, they will help you put together a plan that will guide you step by step through this difficult time.

For general program help call:
(855) 890-8073 or email:

For HUD Counseling services call:
(888) 483-8432 or email:


Reinstatement Only Program

The Reinstatement Only Program (ROP) will provide assistance to homeowners who have fallen behind on their mortgage loans and are in imminent danger of losing their home to foreclosure due to a qualified hardship that occurred after they acquired their home. Click here to learn more about ROP.

Suspected Fraud
Any suspected fraud in connection with HHF Programs should be reported to THDA for immediate review. THDA reserves the right to decline funding or participation if it is determined that fraud has occurred.

Report Fraud To:

To request an HHF Payoff Statement, email

For general program questions, email

To reach us by phone, call (855) 890-8073.








THDA’s Reinstatement Only Program (ROP) will no longer be accepting new applications effective Dec. 6, 2019. To be considered for the ROP, all applicants must complete the ROP application, upload the required documentation, and submit the full loan to THDA for review prior to Dec. 31, 2019. Any incomplete applications will not be considered after Dec. 31, 2019.

If your mortgage holder/servicer is not on the Participating Servicer list, you will not be eligible to apply for ROP assistance.


Participating Servicers

Non-Participating Servicers

Application Instructions



Program Forms

4506-T Tax Return Transcript Request
Credit Authorization
Third Party Authorizations Form
Owners Affidavit
Hardship Affidavit
PRRPLE ROP Dodd Frank Certification
KMTH Counselors