RIHousing is
no longer accepting
new HHFRI applications


HHFRI Programs
There are two key programs under HHFRI, each with their own eligibility requirements and program offerings:  

  • Temporary & Immediate Housing Assistance
  • - Financial assistance to help avoid foreclosure, including senior homeowners with reverse mortgages
    - Funding can be used to pay delinquent mortgage payments, property taxes,     homeowners insurance, association dues or other property-related expenses
  • Loan Modification Assistance
  • - Financial assistance to help the homeowner achieve a permanent loan   modification
    - Funding can be used in a variety of industry accepted methods to   permanently modify the first mortgage in an effort to achieve an affordable   monthly payment

If you feel you may be eligible for assistance you may begin the application process at any time.    

Who Qualifies?

HHFRI will only be available to homeowners who have a documented qualifying financial hardship and have exhausted all options to maintain mortgage payments and avoid foreclosure.

You may qualify if:

  • You own a 1-to-4 family home or condominium and occupy it as your primary residence.
  • Your gross annual income is less than $93,623 if there are 1 or 2 people in your home; or less than $107,667 for a household of 3 or more.
  • Your monthly mortgage payments, including taxes and insurance are greater than 28% of your gross monthly income.
  • You have no financial resources of your own (except for $20,000 or less in savings). You can have any amount in a retirement account such as a 401(k) or IRA savings plan.
  • You have a documented financial hardship that has affected your ability to make your mortgage payments, such as:
  • - unemployment or underemployment;
    - death or disability of a key wage-earner;
    - unforeseen medical expenses;
    - your outstanding mortgage balance is greater than your property value.
  • Deployed members of the U.S. Armed Forces or those discharged within the last 12 months who have experienced a drop in income. (This applies to all personnel in regular and reserve components of the Army, Navy, Air Force, Marines and Coast Guard).
Note: Prior HHF recipients are eligible, subject to maximum program assistance limits.


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Making Home Affordable
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HHFRI Ad Campaign 

Our ad campaign shares stories of "real life" customers who have received assistance through HHFRI. Listen to the ads here: