If you are a homeowner seeking help to keep your home, we may be able to point you in the right direction. The states that have been declared the Hardest Hit in the economic downturn provide federally funded assistance that's free to the homeowner. This federal program is called the Hardest Hit Fund (HHF).

Below are links to the state-run websites, where you can learn HHF program guidelines and apply online for free assistance.

District of Columbia - www.homesaverdc.org

Florida - www.flhardesthithelp.org

Georgia - www.homesafegeorgia.com

Illinois - www.illinoishardesthit.org

Indiana - www.877gethope.com

Michigan - www.stepforwardmichigan.org

Mississippi - www.mshomesaver.com

New Jersey - www.njhomekeeper.com

Ohio - www.restoringstability.org

Oregon - www.oregonhomeownerhelp.org

South Carolina - www.scmortgagehelp.net

The HHF portals listed above are proudly powered by CounselorDirect, a product of HOTB Software Solutions.