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Has COVID-19 Impacted Your Ability To Pay Your Mortgage?

February 01, 2022

If you have experienced a financial hardship during the COVID-19 pandemic that has you wrestling with mortgage delinquency, Mortgage Assistance Alabama may be able to help. Homeowners must have a financial hardship occurring as of, or after, January 21, 2020.

Available Assistance

Qualified homeowners are eligible to receive:

  1. Past due mortgage-related expenses + 12 monthly mortgage payments
  2. A one-time payment to homeowner’s participating servicer to recast the loan or be used to fill a financial gap that limits a homeowner’s eligibility for a loan modification or to extinguish the lien

Total assistance per homeowner may not exceed $50,000.


  • Financial hardship must have occurred as of, or after, January 21, 2020
  • Total annual household income cannot exceed 150% of the area median income
  • Applicants must occupy property as primary residence
  • Residence must be located in Alabama
  • Eligible structures: single-family homes (attached or detached) and manufactured housing
  • Original principal mortgage amount on all mortgage loans on the property may not total more than the conforming loan limit 

Applications are accepted Monday-Friday. We expect a high demand for assistance. To shorten wait time and to ensure the prompt handling of applications, we may periodically close the application portal to process completed applications. A portal reopening date will be posted on the homepage once these applications have been processed.

For more information and to apply for assistance, visit