This particular program is currently offered in Tennessee, but There are a couple more states that offer this program, as well. It shouldn't be that tough to find out. Its an affordable housing program. Basically, if you are buying your home, but run up on bad times, this program is who can help. Depending on your income and circumstances, if they determine you qualify for help they will take over your mortgage payments for you for a limited time. My mother in law is using this program. After her husband passed, she fell into some tough times. She didn't have any income herself, and their savings wasn't going to stretch very far. She had to drive to Nashville, and I believe they have an office in Memphis as well. She qualified for help so they took over her house payment for 1 year, or $20,000. She agreed that if she sold her house within the next 5 years she would give them a percentage of the money. After her year was up they contacted her and told her that if she could come in they might be able to extend their assistance to cover her even longer. One more trip to Nashville and they extended it for 5 more years. She has since began to get back on her feet and hasn't lost her house because of this program. They are the only reason she still has a home. They told her to tell everyone she knows. They have a lot of funding and need more people to help. So if you are in tennessee or know someone who is, please spread the word. It would be a shame if someone lost their home when it could be saved.