Keep My Tennessee Home

Hardest Hit Fund Reinstatement Only Program (ROP)

Tennessee Housing Development Agency (THDA) Hardest Hit Fund Reinstatement Only Program (ROP) is no longer accepting pre-screening applications. Currently THDA is anticipating additional funds for mortgage assistance. Once funds are available a notification will be posted on our website at

**If you have started an ROP application, please submit the completed application to THDA for consideration and review as soon as possible.

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THDA documents and resources

Foreclosure Prevention

Should you experience difficulty paying your mortgage, help may be available. It is very important that you contact your loan servicer immediately and don’t let the payment deadline pass. HUD-certified housing counselors can help you navigate this situation successfully and avoid a foreclosure. Your first step is to seek assistance as soon as you suspect that you may not be able to make a payment.

For general program help call:

(855) 890-8073 or email:

For Other Resources Call:
(888) 483-8432
Or Email:

Suspected Fraud

Any suspected fraud in connection with HHF Programs should be reported to THDA for immediate review. THDA reserves the right to decline funding or participation if it is determined that fraud has occurred.

Report Fraud To:

To request an HHF Payoff Statement, email

For general program questions, email

To reach us by phone, call (855) 890-8073.