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Hardest Hit Alabama

Hardest Hit Alabama (HHA), was a home foreclosure prevention program funded by the U.S. Department of Treasury in the wake of the Great Recession. Created under the Emergency Economic Stabilization Act of 2008, Alabama was one of 18 states and the District of Columbia designated as “hardest hit” by the global financial crisis and eligible for economic relief. The program concluded in the fall of 2021.

Administered by Alabama Housing Finance Authority, HHA disbursed over $92 million for the benefit of over 8,300 households in Alabama, saving homes and livelihoods from economic disaster. HHA programs included mortgage payment assistance for unemployed and underemployed homeowners, home loan modification, and in some cases short sale options for borrowers looking to reduce their financial loss.

The mission of AHFA is to provide homeowner and rental opportunities for Alabamians. AHFA has helped over 75,000 Alabamians purchase a home and has funded construction of more than 48,000 rental units. In addition, through crisis-based federal programs such as the Hardest Hit Fund, the Emergency Rental Assistance Program, and the Homeowner Assistance Fund, AHFA has provided Alabamians hundreds of millions of dollars in assistance to help them keep their home.