About The Program

What is Step Forward Michigan?

The Step Forward Michigan Program was established by the Michigan Homeowner Assistance Non-Profit Housing Corporation (MHA) to help Michigan homeowners stay in their homes. The program provides interest-free loans of up to $30,000 to assist with mortgage, property taxes, and/or condominium association fees. These loans are forgivable at 20% each year, as long as the property remains the homeowner’s primary residence. This means that if a homeowner remains in their home for 5 years or more after the loan is granted, they do not have to repay the loan.

You can find out if you qualify to apply here or call 866-946-7432. If your primary language is Spanish, we have Spanish-speaking representatives on staff to assist you in completing the application or to answer any questions you may have. After determining if you qualify for assistance, Step Forward Michigan program staff will work directly with you to evaluate your loan application.


This loan program assists homeowners delinquent on their mortgage, condo association fees, and/or property taxes. To qualify for assistance, you must first meet the following requirements:

  • You have had an involuntary qualifying hardship that caused the delinquency.
    (Examples: Job loss, medical event, death, divorce, one-time critical housing repair)
  • You have the income necessary to sustain future payments.

If you qualify for assistance, program funds are paid directly to your lender, county treasurer, or condo association to reinstate the delinquent balance(s).

Participating Partners

For you to qualify for the program, the organization to whom you owe money (your mortgage lender, condo association, municipal government, etc.) must be a participating partner in the Step Forward Michigan program.

See the complete list here.