Step Forward Michigan

Step Forward Michigan provides 0% interest forgivable loans to help homeowners catch up on past due property tax or mortgage payments. Since July 2010, the program has assisted over 3,000 Oakland County homeowners with over $33 million in mortgage and property tax payments.

You may be eligible if:

  • You own and occupy your home.
  • You are behind on property taxes or mortgage payments.
  • A qualifying hardship, such as job loss or medical bills, caused this delinquency.
  • Once caught up, you have income to support ongoing mortgage and property tax payments.

Our office is working with certified housing counselors from Oakland County Community and Home Improvement, Lighthouse, OLSHA, JVS, Community Housing Network, GreenPath, University of Detroit-Mercy Legal Aid Clinic, and others to assist you with the application process.

You can apply directly for the Step Forward Michigan Loan Rescue Program by visiting or by calling 866-946-7432, but I recommend you contact Deputy Treasurer Ross Gavin in our office at 248-858-0624 for a housing counseling referral to get assistance with the application process.‚Äč