AHFA's programs represent "Opportunity Knocking" for thousands of Alabamians each year. Whether its helping someone purchase a home or find affordable rental housing, we consistently provide affordable housing opportunities to Alabamians.

This year's Annual Report highlights our progress in FY16 and also includes a link to our FY16 financial statements. 

To view the report, visit 
http://online.flipbuilder.com/ahfa/xbko/.

1. Applicants must complete and submit the 2017 Application Log and Chief Elected Official Response forms by 5:00 p.m. CT on Monday, February 6.
    
2. Applicants must submit all required Initial Application items to AHFA on Thursday, February 9, between 9:00 a.m. and 5:00 p.m. CT. Applications for Community Housing Development Organization (CHDO) Certifications must also be submitted during this time.
    
3. Final applications for Housing Credits and HOME Investment Partnerships Program funds must be submitted on Thursday, March 9, between 9:00 a.m. and 5:00 p.m. CT.

A native of Ozark, Bonnie Murray has been a Realtor with Century 21 in the area since 2001. She enjoys her work and says selling real estate has become her way of life. 

A: I was introduced to Step Up about 3 years ago by one of your participating lenders, Matt Houston with Hamilton Mortgage. 

We worked to help Kalvin Daffin buy a home, and you have previously featured him as a Success Story. (To view Kalvin's story, visit http://bit.ly/2ktfiQB.)

Q: What do you think is the greatest benefit of Step Up?

A: The greatest benefit is the down payment assistance. The program really is an easy way for someone to become a new homeowner with very little stress.

Q: What do you find most rewarding about your job?

A: Helping the first-time homebuyers - there is so much joy and gratitude from them!

After the death of his wife of 46 years, Annette, Lynn Stauch of Montgomery moved in with his oldest daughter and her family. He said, "They always made me feel welcome and wanted, but I felt like I needed my space and they needed theirs." That's when he began his homebuying journey and first heard about AHFA's Step Up program. 

Watch the video below to hear more of his story and his favorite things about being a new homeowner. 

We are pleased to announce a new informational video for potential customers of Hardest Hit Alabama. This new resource is located on the home page of our Hardest Hit Alabama website (www.hardesthitalabama.com). It gives viewers a brief overview of Hardest Hit Alabama and the different types of assistance offered.

Most importantly, the video provides viewers with step-by-step instructions to make the application process easier and more efficient.

Each year, ServiSolutions analyzes home loan escrow accounts to ensure adequate funds exist to pay for taxes and insurance. After the escrow analysis is complete, we will send you an escrow account disclosure statement by mail.

An escrow analysis is an audit of receipts and disbursements for your escrow account to determine whether your monthly payment is adequate to pay for taxes and insurance. Increases or decreases in your annual tax or insurance bills may cause your monthly mortgage amount to change.

For more information, visit http://bit.ly/2iyqU4p.

The Alabama Affordable Housing Association (AAHA) is accepting applications for its annual resident scholarship awards.

Applicants must be accepted or enrolled in an accredited vocational or technical school, college, or university; have at least a "B" average or 3.0 GPA; and meet all other application criteria. 

Scholarship awards will be made to qualified tenants and resident family members living at an AAHA-member apartment complex and property/divisional management staff of AAHA-member companies and their children. 

Applications must be received by March 3 at noon. Scholarship recipients and their respective manager will be notified via email by May 2. 

Hardest Hit Alabama has distributed the Substitute IRS Form 1098-MA Mortgage Assistance Payments Statements for 2016.

If you received HHA assistance in 2016, please click through for how this could affect your tax filings: http://bit.ly/2iyzn7F

HHA borrowers who haven't received their IRS Form 1098 Mortgage Interest Statement by January 31 should contact Hardest Hit Alabama for assistance.