A qualifying involuntary hardship is an unexpected event beyond your control that caused the delinquency or has impacted your ability to maintain payments. The date of the hardship event that caused a delinquency must be prior to the onset of the delinquency (see FAQ #11). Below is a list of allowable hardships:

  • Medical event
  • Job loss or underemployment
  • Occupying homeowner’s receipt of Michigan unemployment benefits
  • Death
  • Divorce
  • One-time critical out-of-pocket expense, such as household repairs