After nine years of living in the same home, Connie McTamany's husband's medical condition forced her family into the brink of foreclosure.
"I called the bank almost everyday trying to get forms, trying to help with modification and modifications take forever," she recalled.
After several attempts to try to save her home, McTamany turned to KeepMyTennesseeHome.Org, a program to help families financially bridge the gap until their circumstances change.
"They were able to work with us, work with the mortgage company and make the payments and actually put us up to date where we can pick up where they left off," she said.
Ralph Perrey with the Tennessee Housing Development says the U.S. Treasury Department set aside money to target families in 10 states. So far the program has helped more than 3,000 Tennessee families in two years keep their homes.
"It helps them stay current on their mortgage and it make their payments for a considerable period of time," Perrey said. "If you're already behind on your mortgage we will pay to catch you up and then we will work with your servicer to make those monthly payments for you for a period of up to 36 months, if that's how long it takes for you to get back into the job market."
The program focuses on those who've lost their job by no fault of their own, those who earn less than $90,000 annually in Shelby County, and owe less than $270,000 on their mortgage, Perrey added.
"These are the people working very hard to get back in the workforce, retraining, maybe looking for that job," he said. "They don't have to worry about losing their house while that's going on."
Uncle Sam is helping families avoid foreclosure by way of a no interest forgivable loan to help families get back on their feet.
"It's just like it was lifted off my shoulders basically," McTamany said. "It was just perfect".
To see if you qualify for the Keep my Tennessee Home program, check out the website or call toll free 1-855-890-8073.