For more information or to apply for the
Keep My Tennessee Home program, visit
www.KeepMyTNHome.org
or call 1-855-890-8073.
Tennessee Housing
Development Agency
Leading Tennessee Home
Keep My Tennessee Home is administered by the
Tennessee Housing Development Agency
www.thda.org
You may qualify.
Homeowners must meet the following eligibility
requirements:
Be unemployed or underemployed (a 30% reduction
of income), suffer from a medical hardship or be
impacted by a recent divorce or death of a spouse,
and through no fault of your own, are unable to
make their mortgage payments or are at risk of
foreclosure. The event or incident which results in
unemployment or substantial underemployment
must have occurred after January 1, 2008.
Have a mortgage for a single-family home or
condominium (attached or detached) in Tennessee
that they occupy as their primary residence. This
includes manufactured homes on foundations
permanently affixed to real estate that you own.
The combined amount of your mortgage principal,
interest, taxes and insurance must be greater than
31% of your household income after the job loss/
reduction of income to be eligible for full program
benefits.
Not have more than six months’ reserves of liquid
assets, that is, liquid assets equal to six months
of your mortgage principal, interest, taxes and
insurance.
Have a household income less than $92,680.
Have a total unpaid principal balance on your first
mortgage no higher than $275,000.
These are the basic eligibility criteria. Meeting these
criteria does not guarantee eligibility for the Keep My
Tennessee Home program.
Maybe you’ve lost your job, suffered the loss of
a spouse, or are recently divorced. You’ve fallen
behind on your mortgage and are facing the
possibility of losing your home to foreclosure.
The Keep My Tennessee Home program provides
mortgage assistance to unemployed or substantially
underemployed homeowners in Tennessee who,
through no fault of their own, are financially unable to
make their mortgage payments. Keep My Tennessee
Home will make homeowners’ payments on their
mortgage and mortgage-related expenses such as
property taxes, homeowner insurance, homeowner
association dues, and/or past-due mortgage payments
that accumulated during a period of unemployment.
Keep My Tennessee Home is being administered in
Tennessee by the Tennessee Housing Development
Agency (THDA). For more information about the
national initiative, go to www.financialstability.gov.
Assistance is available!
Up to $40,000 for up to 36 months
Homeowners in all 95 counties who qualify for the Keep
My Tennessee Home program can receive up to $40,000
in assistance for up to 36 months. These funds will be used
to pay past due mortgage payments to bring the mortgage
current and/or to make monthly mortgage payments.
These funds are paid directly to the loan servicer/lender.
Easy to apply!
The best way to apply for assistance from Keep My
Tennessee Home is to visit www.KeepMyTNHome.org.
On the site you will be guided step-by-step through the
application process. If you do not have access to the
Internet, you may call 1-855-890-8073 to be referred to a
THDA-approved, non-profit housing, counseling agency
in your area that will assist you. After filling out the online
form, a trained housing counselor will work with you to
address your particular needs. Finally, THDA will review
your application, and if eligible, will authorize payments
directly to your mortgage servicer.
Visit www.KeepMyTNHome.org
or call 1-855-890-8073
Do I have to pay back the
assistance?
Keep My Tennessee Home is a 0% interest, non-
recourse, deferred-payment, forgivable, subordinate
loan. The loan is forgiven at a rate of 20% per year.
If you keep your home as your primary residence for
5 years, you do not have to pay back the loan.
Free counseling even if you do
not qualify!
Even if you do not qualify for the program, you may
contact a THDA-certified counselor for free foreclosure
prevention counseling. For more information and to
find a counselor near you go to:
http://www.thda.org/DocumentView.aspx?DID=52
“I don’t know how I would have made
it without Keep My Tennessee Home.”
- Jane Johnson,
Maryville, TN
Maybe you’ve lost your job, suffered the loss of
a spouse, or are recently divorced. You’ve fallen
behind on your mortgage and are facing the
possibility of losing your home to foreclosure.
The Keep My Tennessee Home program provides
mortgage assistance to unemployed or substantially
underemployed homeowners in Tennessee who,
through no fault of their own, are financially unable to
make their mortgage payments. Keep My Tennessee
Home will make homeowners’ payments on their
mortgage and mortgage-related expenses such as
property taxes, homeowner insurance, homeowner
association dues, and/or past-due mortgage payments
that accumulated during a period of unemployment.
Keep My Tennessee Home is being administered in
Tennessee by the Tennessee Housing Development
Agency (THDA). For more information about the
national initiative, go to www.financialstability.gov.
Assistance is available!
Up to $40,000 for up to 36 months
Homeowners in all 95 counties who qualify for the Keep
My Tennessee Home program can receive up to $40,000
in assistance for up to 36 months. These funds will be used
to pay past due mortgage payments to bring the mortgage
current and/or to make monthly mortgage payments.
These funds are paid directly to the loan servicer/lender.
Easy to apply!
The best way to apply for assistance from Keep My
Tennessee Home is to visit www.KeepMyTNHome.org.
On the site you will be guided step-by-step through the
application process. If you do not have access to the
Internet, you may call 1-855-890-8073 to be referred to a
THDA-approved, non-profit housing, counseling agency
in your area that will assist you. After filling out the online
form, a trained housing counselor will work with you to
address your particular needs. Finally, THDA will review
your application, and if eligible, will authorize payments
directly to your mortgage servicer.
Visit www.KeepMyTNHome.org
or call 1-855-890-8073
Do I have to pay back the
assistance?
Keep My Tennessee Home is a 0% interest, non-
recourse, deferred-payment, forgivable, subordinate
loan. The loan is forgiven at a rate of 20% per year.
If you keep your home as your primary residence for
5 years, you do not have to pay back the loan.
Free counseling even if you do
not qualify!
Even if you do not qualify for the program, you may
contact a THDA-certified counselor for free foreclosure
prevention counseling. For more information and to
find a counselor near you go to:
http://www.thda.org/DocumentView.aspx?DID=52
“I don’t know how I would have made
it without Keep My Tennessee Home.”
- Jane Johnson,
Maryville, TN
Maybe you’ve lost your job, suffered the loss of
a spouse, or are recently divorced. You’ve fallen
behind on your mortgage and are facing the
possibility of losing your home to foreclosure.
The Keep My Tennessee Home program provides
mortgage assistance to unemployed or substantially
underemployed homeowners in Tennessee who,
through no fault of their own, are financially unable to
make their mortgage payments. Keep My Tennessee
Home will make homeowners’ payments on their
mortgage and mortgage-related expenses such as
property taxes, homeowner insurance, homeowner
association dues, and/or past-due mortgage payments
that accumulated during a period of unemployment.
Keep My Tennessee Home is being administered in
Tennessee by the Tennessee Housing Development
Agency (THDA). For more information about the
national initiative, go to www.financialstability.gov.
Assistance is available!
Up to $40,000 for up to 36 months
Homeowners in all 95 counties who qualify for the Keep
My Tennessee Home program can receive up to $40,000
in assistance for up to 36 months. These funds will be used
to pay past due mortgage payments to bring the mortgage
current and/or to make monthly mortgage payments.
These funds are paid directly to the loan servicer/lender.
Easy to apply!
The best way to apply for assistance from Keep My
Tennessee Home is to visit www.KeepMyTNHome.org.
On the site you will be guided step-by-step through the
application process. If you do not have access to the
Internet, you may call 1-855-890-8073 to be referred to a
THDA-approved, non-profit housing, counseling agency
in your area that will assist you. After filling out the online
form, a trained housing counselor will work with you to
address your particular needs. Finally, THDA will review
your application, and if eligible, will authorize payments
directly to your mortgage servicer.
Visit www.KeepMyTNHome.org
or call 1-855-890-8073
Do I have to pay back the
assistance?
Keep My Tennessee Home is a 0% interest, non-
recourse, deferred-payment, forgivable, subordinate
loan. The loan is forgiven at a rate of 20% per year.
If you keep your home as your primary residence for
5 years, you do not have to pay back the loan.
Free counseling even if you do
not qualify!
Even if you do not qualify for the program, you may
contact a THDA-certified counselor for free foreclosure
prevention counseling. For more information and to
find a counselor near you go to:
http://www.thda.org/DocumentView.aspx?DID=52
“I don’t know how I would have made
it without Keep My Tennessee Home.”
- Jane Johnson,
Maryville, TN
For more information or to apply for the
Keep My Tennessee Home program, visit
www.KeepMyTNHome.org
or call 1-855-890-8073.
Keep My Tennessee Home is administered by the
Tennessee Housing Development Agency
www.thda.org
You may qualify.
Homeowners must meet the following eligibility
requirements:
Be unemployed or underemployed (a 30% reduction
of income), suffer from a medical hardship or be
impacted by a recent divorce or death of a spouse,
and through no fault of your own, are unable to
make their mortgage payments or are at risk of
foreclosure. The event or incident which results in
unemployment or substantial underemployment
must have occurred after January 1, 2008.
Have a mortgage for a single-family home or
condominium (attached or detached) in Tennessee
that they occupy as their primary residence. This
includes manufactured homes on foundations
permanently affixed to real estate that you own.
The combined amount of your mortgage principal,
interest, taxes and insurance must be greater than
31% of your household income after the job loss/
reduction of income to be eligible for full program
benefits.
Not have more than six months’ reserves of liquid
assets, that is, liquid assets equal to six months
of your mortgage principal, interest, taxes and
insurance.
Have a household income less than $92,680.
Have a total unpaid principal balance on your first
mortgage no higher than $275,000.
These are the basic eligibility criteria. Meeting these
criteria does not guarantee eligibility for the Keep My
Tennessee Home program.
For more information or to apply for the
Keep My Tennessee Home program, visit
www.KeepMyTNHome.org
or call 1-855-890-8073.
Tennessee Housing
Development Agency
Leading Tennessee Home
Keep My Tennessee Home is administered by the
Tennessee Housing Development Agency
www.thda.org
You may qualify.
Homeowners must meet the following eligibility
requirements:
Be unemployed or underemployed (a 30% reduction
of income), suffer from a medical hardship or be
impacted by a recent divorce or death of a spouse,
and through no fault of your own, are unable to
make their mortgage payments or are at risk of
foreclosure. The event or incident which results in
unemployment or substantial underemployment
must have occurred after January 1, 2008.
Have a mortgage for a single-family home or
condominium (attached or detached) in Tennessee
that they occupy as their primary residence. This
includes manufactured homes on foundations
permanently affixed to real estate that you own.
The combined amount of your mortgage principal,
interest, taxes and insurance must be greater than
31% of your household income after the job loss/
reduction of income to be eligible for full program
benefits.
Not have more than six months’ reserves of liquid
assets, that is, liquid assets equal to six months
of your mortgage principal, interest, taxes and
insurance.
Have a household income less than $92,680.
Have a total unpaid principal balance on your first
mortgage no higher than $275,000.
These are the basic eligibility criteria. Meeting these
criteria does not guarantee eligibility for the Keep My
Tennessee Home program.