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Hardest Hit Funds

Getting help through your state

Hardest Hit Funds, created in 2010 by the U.S. Treasury, allocated $7.6 billion to help homeowners living in states where the financial crisis had the biggest impact. Wells Fargo works with participating states to make sure our mortgage customers have access to mortgage assistance programs administered by the funds, including:

  • Reinstatement. The state provides funds to Wells Fargo to cover the homeowner’s past-due payments and bring the mortgage account current. 
  • Recast. The state provides funds to Wells Fargo to cover the homeowner’s past-due payments and bring the mortgage account current. The state then provides additional funds to reduce the principal balance, and Wells Fargo re-amortizes the loan with a lower monthly payment. 
  • Principal reduction. The state provides funds to Wells Fargo as part of a loan modification. 
  • Programs for the unemployed and underemployed. The state makes monthly payments to Wells Fargo on behalf of the homeowner while he or she is unemployed or underemployed. 
  • Transition assistance. The state provides funds directly to the homeowner for moving expenses after a short sale or deed in lieu of foreclosure.

Note: Not all states offer all of these programs.

 Already Working With Us? 

If you’ve already started the process and contacted us for help, check the status of your request or learn more about next steps.

See which states offer assistance through Hardest Hit Funds

Request mortgage payment assistance online. Get Started
Or call 1-800-678-7986