COVID-19 Frequently Asked Questions

Is Step Forward still open?

Yes, Step Forward is still open for business with 100% of our staff working remotely. You can reach us by calling 866-946-7432 to leave us a voicemail message. Customer Service staff will return your call within 24 to 48 hours.

Will Step Forward reopen the online portal for new applicants to apply?

No, Step Forward continues to accept paper applications only. A blank application can be found at; click on Apply now located at the bottom of the page. If you need assistance in completing the application, please call us at 866-946-7432 or contact one of MSHDA’s Housing Counseling Agencies in your area. To find one near you, visit:

How do you receive documents from clients?

We receive documents that are emailed to as well as documents that are mailed through both regular and overnight mail services.

Will I hear if my loan has been approved while staff are working remotely?

Yes, your application is being reviewed on a first come, first serve basis. Staff may call you using a ‘blocked caller’ number to request clarification or additional documentation and provide you with their office number for you to respond. Once determined eligible, you will be notified again by a ‘blocked caller’ number where you will be given closing instructions and how to return your signed and notarized final documents.

Is COVID-19 an eligible program hardship?

Yes, COVID-19 is considered an eligible program hardship for our existing mortgage, property tax, delinquent condominium fees reinstatement program, Loan Rescue. You must document that your unemployment or underemployment was directly related to the COVID-19 crisis and prevented you from being able to pay your monthly mortgage payment.

Is MSHDA going to reopen the Unemployment Mortgage Subsidy (UMS) program because of the COVID-19 crisis?

No, Step Forward Michigan is not reopening its UMS program or the online application process. We are aware that other states using Hardest Hit Funds may reopen their application portals and/or transfer some of their remaining HHF to a payment assistance program. Step Forward Michigan does not have enough available funds to justify reopening its Unemployment Mortgage Subsidy (UMS) program. There are approximately $2.2 million in uncommitted funds remaining to help homeowners experiencing a financial difficulty.