Do I qualify for the Step Forward Michigan Program?

I need help with debts owed to my mortgage lender, property taxes owed to my county treasurer, and/or fees due to my condo association.

The mortgage lender, county treasurer, or condo association I owe is listed on Step Forward Michigan’s Participating Partners list.

I have LESS than $10,000 in my bank accounts (not including retirement accounts).

I occupy the property as my primary residence.

I have a recorded deed documenting my ownership of the property.

My property is a single‐family or 1‐4 unit multi‐family structure and is located in Michigan.

All applicants are willing to participate in the Step Forward Michigan application process. (Including you, your spouse, or anyone else who is obligated for debts secured by the property.)

If you answered ‘no’ to any of these questions…

We’re sorry, but you must be able to answer “Yes” to all of the qualifying questions to be able to apply for Step Forward Michigan assistance. However, there are many other resources available to you. Check them out here.

If you answered ‘yes’ to all of these questions…

Congratulations! You qualify to apply for assistance from the Step Forward Michigan Program. Your next step: Fill out the application. Before you apply, make sure you have the documents you need:

  • Documents to verify your income (paystubs, tax returns, etc.).
  • Bank statements to verify liquid assets such as savings, checking, money market and Certificate of Deposit accounts.
  • Hardship Affidavit – Your written explanation of how your qualifying involuntary hardship led to the delinquency of your payments.

For a more complete explanation of all documents needed, go to the FAQ Section (questions 9-11). If you start the application and find you are missing necessary documents, don’t worry. You can save your application and come back later to finish up (don’t forget!)


Need help with the application? Call us toll-free at 866‐946‐7432.