Microsoft Word - HAF Plan - v3 Final Plan EP CS 11.2021.docx

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ARIZONA

HOMEOWNERASSISTANCEFUND

PLAN

(AZHAF)



PreparedfortheU.S.DepartmentofTreasurybytheArizonaDepartmentofHousing.



November2021

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2

Contents

HomeownerNeedsandEngagement..................................................................................................................................................3

Data‐DrivenAssessmentsofHomeownerNeeds............................................................................................................................3

EvidenceofPublicParticipationandCommunityEngagement.......................................................................................................5

ProgramDesign.....................................................................................................................................................................................8

PerformanceDescriptions................................................................................................................................................................8

ArizonaHomeownerAssistanceFund(AZHAF)‐Overview.........................................................................................................8

EligibleMortgageTypes................................................................................................................................................................8

EligibleHousingCosts/Assistance Types .....................................................................................................................................9

1. ReinstatementAssistancePayment

(RA)............................................................................................................................9

2. Utility/Internet/BroadbandAssistancePayment(UI)......................................................................................................9

3. MonthlyMortgageAssistancePayment(MM)...................................................................................................................9

OtherEligibleHousingCosts/AssistanceTypes...........................................................................................................................9

1. DelinquentPropertyTaxAssistancePayment(DPT)...........................................................................................................9

2. AssociationFees&LienAssistancePayment(AFL).............................................................................................................9

HousingCounselingandApplicationAssistance...........................................................................................................................10

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EligibilityRequirements.................................................................................................................................................................11

IncomeDetermination..............................................................................................................................................................11

IntendedImpactonEligibleHomeowners....................................................................................................................................11

ApplicationProcess/EquityandAccessibility..............................................................................................................................11

ConditionsandLimitations............................................................................................................................................................12

PaymentProcess...........................................................................................................................................................................12

MethodsforTargetingHAF Funding.............................................................................................................................................13

TargetingOutreachandEasyHomeownerAccessibility..........................................................................................................13

CulturallyRelevantMarketing...................................................................................................................................................13

BestPracticesandCoordinationwithOtherHAFParticipants.....................................................................................................15

OtherAvailableSourcesofAssistanceforTargetedHomeowners..............................................................................................15

PerformanceGoals............................................................................................................................................................................16

PerformanceGoalsBreakdown.....................................................................................................................................................17

Readiness...........................................................................................................................................................................................18

IncorporatingHHFExperience..................................................................................................................................................19

HHFBudgetandCommitmentsAnalysis,as

ofJune30,2021.................................................................................................19

StaffingandSystems......................................................................................................................................................................20

ContractsandPartnerships...........................................................................................................................................................20

ExistingPilotProgram....................................................................................................................................................................21

Budget................................................................................................................................................................................................21

PointsofContact................................................................................................................................................................................22

AuthorizedOfficialInformation.....................................................................................................................................................22

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3

HomeownerNeedsandEngagement

Similartootherstates,ArizonaresidentshaveexperiencedhardshipssincetheCOVID‐19publichealthcrisis

thatbeganinJanuaryof2020.Duetopandemicclosures,quarantines,andotherchangesindailyhabits,many

Arizonaresidentslosttheirjobsorexperiencedsignificantreductionsinincomethatresultedinaccumulated

debt.InJanuary2020,theStateofArizona’sunemploymentratewas4.1%andasofAugust2021,the

unemploymentratehadrisento6.2%(USBureauofLaborStatistics).Theongoinguncertaintyhasinhibiteda

morerobustrecovery,butmanyfolkscontinuetomovetoArizonaandanumberoflargetechandbiomedical

companiesarelocatingtheirmanufacturingfacilitieshere.Futurefinancialchallengesareunknown,but

Arizonansarecontinuingtofinanciallyrecoverasjobsareaddedtothelocaleconomyandtheyreturntowork.



InpreparationfortheU.S.Treasury’sHomeownerAssistanceFund(HAF),theArizonaDepartmentofHousing

(ADOH)hascreatedthefollowingplanforthepurposeofmitigatinghomeowners’financialhardships

associatedwiththecoronaviruspandemic.Theplan’sfocusistoprovidefundstoeligiblehomeownersthatwill

assistwithmortgagedelinquenciesandpreventdefaultsandforeclosures,lossofutilitiesorhomeenergy

services,anddisplacementsofhomeownersexperiencingfinancialhardshipafterJanuary21,2020.



Data‐DrivenAssessmentsofHomeownerNeeds

TheneedformortgageassistanceinArizonaissignificant.Financialhardshipresultingfromthepandemicis

especiallyhighinrural,lowincome,andhighminoritypopulationcommunities.Belowisasummaryof

mortgagedataforArizonabasedonreportsreceivedfromtheU.S.DepartmentofTreasuryandUSCensus

Bureau:

FederalReserveBankMortgageDashboard

StatewideMortgages–383,245

23%oftotalMortgagesareLowIncomeBorrowers

34%oftotalMortgagesareHighMinorityPopulationBorrowers

ForbearanceRate–3.2%/12,263loanscurrentlyinforbearance

StatewideForbearanceRate3.2%‐LowIncome4%,HighMinority4.3%

DelinquencyRate– 1.1%/

4,216loanscurrentlydelinquent

StatewideDelinquencyRate1.1%‐LowIncome1.4%,HighMinority1.5%

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FederalReserveBankMortgageDashboard–BankServicedPortfolioLoansOnly

 StatewideMortgages–11,126

 StatewideMortgagesinForbearance–401

 StatewideMortgagesinDelinqu ency‐133

 StatewideForbearanceRate3.6%‐Rural12%,LowIncome

4.5%,HighMinority5.5%

 StatewideDelinquencyRate1.2%‐Rural3%.LowIncome2.1%,HighMinority2.3%

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ReportsreceivedfromTreasury–ArizonaFHA,Dept.ofAgriculture,VALoans

TotalloansinForbearance–20,224

MinorityBorrowersinForbearance–10,672(53%ofallloansinForbearance)

Averageincomein

Forbearance‐$49,560to$53,567

USDA/VADelinquentAmountinForbearance–$54,724,345

Loans90+daysDelinquentnotinForbearance–78,952

MinorityBorrowerswithLoans90+daysDelinquent‐11,783(15%ofall90+daysDelinquent)

53%ofMinorityBorrowerswithLoans90+DaysDelinquentareHispanic

Over90%ofVAloansin

delinquencyorforbearanceare“Other”MinorityBorrowers

ActiveForeclosures–360

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4

USCensusBureau–QuickFactsReportforArizona

Medianhouseholdincomein2019dollars‐$58,945

Medianselectedmonthlyownercostswithamortgage2015‐2019‐$1,434

LanguageotherthanEnglishspokenathome–27.1%

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ArizonaRepublic–PrimaryNewspaperinArizona

February2,2021‐Over50,000residentsand

businessesintheValleyarebehindonutilitybills



ArizonaPublicService–Arizona’slargestelectricitysupplier’swebsite

“Werecognizethefinancialimpactmanyofourcustomershavebeenfacingandwe’reheretohelp.We

aresuspendingservicedisconnectionsandwaivinglatefeesfromJune1,2021,toOctober

15,2021.”



Summary

ThereissignificantneedforassistanceinArizona.Arizonahasover33,000mortgagescurrentlyinforbearance

andover83,000mortgagesindelinquency.Bothforbearancesanddelinquenciesaresignificantlygreater

amongrural,lowincome,andhighminoritycommunities.Thelargestminoritycommunitywiththegreatest

needistheHispaniccommunityandasignificantportionofthatcommunityspeaksSpanishinthehome.



Citiesinthelargestmetroarea“theValley”recentlyreportedover50,000residentialandbusinessutility

delinquencies.Thenumberofelectricandgasdelinquenciesisunknown,butassumedtobesimilar.ADOHhad

almost10,000uniquepre‐screeningsofHAFapplicantssinceaneligibilitywebsitewasopenedonAugust13,

2021.Utilityrequestsinthosepre‐screeningsincludedover5,500forelectricity,5,200forinternet,and2,800

forwater.Becauseoftheextremedesertheat,mostArizonawaterandelectricutilitieshaveextended

pandemicsuspensionsofdisconnectionsthroughthesummermonthsandresumeddisconnectionsinOctober

2021.



ADOHisusingcensustractinformationtoidentifyhighminoritycommunitiesandtheMortgagenonpayment’s

byStatetoolonthewebsitefortheFederalReserveBankofAtlanta:https://www.atlantafed.org/center‐for‐

housing‐and‐policy/data‐and‐tools/mortgage‐analytics‐and‐performance‐dashboardtoidentifycountieswith

highdelinquencyrates.Marketingandoutreacheffortswillbespecifictothosecommunitiesandwillbe

languageandculturallyappropriate.Specifictargetingandoutreacheventsforthesecommunitieswillbe

coordinatedwithcontractedHousingCounselingAgenciesandCommunityActionAgencies.ADOHis

encouragingcontractedlocalhousingcounselingandcommunityactionagenciestousetheirspecial

relationshipswithlowincomeandminoritycommunitiestoovercomeanyhesitancyaboutagovernment

program,documentationrequirements,orlackofexperiencewithtechnology.

Throughvariousfundingsources,manyArizonaagenciesandlocaljurisdictionshavebeenandcontinueto

provideutility,rental,andotherassistancetothosemostaffectedbythepandemic.ADOHisworkingclosely

withutilityproviders,otherStateDepartments,andlocaljurisdictionswhoservethelow‐incomepopulations

affectedbythepandemictoleverageassistanceandminimizeduplicationandfraudulentcollectionof

assistance.Uptodatedelinquencyamountswillbeverifiedwitheachpayeepriortoauthorizingpaymenton

behalfofHAFapplicants.AnyexcesspaymentswillbereturnedtoADOHtouseforotherHAFassistance.

 

5

EvidenceofPublicParticipationandCommunityEngagement

SinceJune2021,ADOHhasmetwiththefollowingCityandCountyjurisdictions,CommunityAction

Organizations,andHousingCounselingAgenciestodiscusstheimplementationoftheHAFProgram:

Organization

Name

Organization

Address OrganizationWebsite

Organization

Primarily 

ServesLMI

Households

Provider

Addresses

Impactsof

Housing

Discrimination

AdministrationofResources&

Choices

5800WGlennDrSuite330,

Glendale,AZ85301 https://arc‐az.org/ Yes Yes

ArizonaHousingCoalition 1495EOsbornRd,Phoenix,AZ

85014

https://www.azhousingcoalition.o

rg/ Yes Yes

AZCEND 345SCaliforniaSt.,Chandler,

AZ85225 https://azcend.org/ Yes Yes

ChicanosPorLaCausa 1112E.BuckeyeRd.,Phoenix,

AZ85034 https://cplc.org/ Yes Yes

CityManager’sOffice

–

Cityof

Phoenix

200WWashingtonSt,

Phoenix,AZ85003

https://www.phoenix.gov/cityma

nager Yes Yes

CityofGlendaleCAP

5850WGlendaleAve,

Glendale,AZ85301

https://www.glendaleaz.com/live

city_services/citizen_assistance_p

rograms/crisis_assistance_progra

ms Yes Yes

CityofPhoenixHumanServices

Department

200WWashingtonSt,

Phoenix,AZ85003

https://www.phoenix.gov/human

services Yes Yes

CoconinoCountyCommunity

ServicesDepartment

2625NKingSt,Flagstaff,AZ

86004

https://www.coconino.az.gov/143

/Community‐Services Yes Yes

ComiteDeBienEstar,Inc.

963BSt,SanLuis,AZ85349 https://www.comiteaz.com/ Yes Yes

CommunityActionHuman

ResourcesAgency(CAHRA)

109NSunshineBlvd,Eloy,AZ

85131 https://www.cahra.org/ Yes Yes

FamilyHousingResources 3503NCampbellAveSte501,

Tucson,AZ85719 https://www.fhrtucson.org/ Yes Yes

GenesisHousingServices

POBox1555,Higley,AZ85236https://genesishs.org/ Yes Yes

GilaCountyCAP

107WFrontierStC,Payson,

AZ85541

https://www.gilacountyaz.gov/go

vernment/community/community

_action_program.php Yes Yes

HousingSolutionsofNorthern

Arizona

2304N3rdSt,Flagstaff,AZ

86004 https://www.housingnaz.org/ Yes Yes

MaricopaCountyHuman

ServicesDepartment

234NCentralAve#3000,

Phoenix,AZ85004

https://www.maricopa.gov/5270

Human‐Services Yes Yes

MesaCommunityAction

Network

635EBroadwayRd.,Mesa,AZ

85204 https://www.turnanewleaf.org/ Yes Yes

NewtownCDC/CLT 2106EApacheBlvd.#112,

Tempe,AZ85281 https://newtowncdc.org/ Yes Yes

NIDHousingCounselingAgency

(AZ)(NID‐HCA)

2111E.Highland,Ste.240,

Phoenix,AZ85016 https://www.nidhousing.com/ Yes Yes

NorthernArizonaCouncilof

Governments(NACOG)

119EAspenAve,Flagstaff,AZ

86001 https://nacog.org/ Yes Yes

OldPuebloCommunityServices 4501East5thStreetUNIT1,

Tucson,AZ85711 https://helptucson.org/ Yes Yes

PimaCountyCommunityAction

Agency

2797EAjoWay,Tucson,AZ

85713

https://webcms.pima.gov/cms/on

e.aspx?pageId=24795 Yes Yes

PimaCountyCommunityLand

Trust(PimaCountyCLT)

17NLindaAve,Tucson,AZ

85745 https://www.pcclt.org/ Yes Yes

TableContinuedontheNextPage

6

Organization

Name

Organization

Address OrganizationWebsite

Organization

Primarily 

ServesLMI

Households

Provider

Addresses

Impactsof

Housing

Discrimination

PioDecimoCenter‐Catholic

CommunityServices

848S7thAve,Tucson,AZ

85701

https://www.ccs‐

soaz.org/agencies‐

ministries/detail/pio‐decimo‐

center Yes Yes

SoutheasternArizona

GovernmentsOrganization

(SEAGO) 1403AZ‐92,Bisbee,AZ85603 https://www.seago.org/ Yes Yes

TakeChargeAmerica 20620North19thAve.,

Phoenix,AZ85027

https://www.takechargeamerica.

org/ Yes Yes

ThePrimaveraFoundation,Inc. 151W.40thSt.,Tucson,AZ

85713 https://www.primavera.org/ Yes Yes

TrellisCommunityDevelopment1405EMcDowellRd,Phoenix,

AZ85006 https://trellisaz.org/ Yes Yes

WesternArizonaCouncilof

Governments(WACOG)

1235SRedondoCenterDr,

Yuma,AZ85365 https://www.wacog.com/ Yes Yes

WildfireAZ 340EPalmLane,Ste.315

Phoenix,AZ85004 https://wildfireaz.org/ Yes Yes



SinceMay2021,ADOHstaffhasparticipatedinHAFcallswiththeNationalCouncilofStateHousingAgencies

(NCSHA).ThisgroupincludedrepresentativesfromallStatesaswellasmortgageservicerstodiscussthe

implementationoftheHAFProgram.Tomaintainconsistencyandpositiverelationshipswithservicers,ADOH

utilizedtemplates,datasharingagreements,andanyotherstandardizeddocumentsandprocessesresulting

fromthesecollaborations.



Inadditiontotheoutreachmentionedabove,therewereothermeetingswhereADOHstaffmetwithexternal

sourcestogathersourceinformationandcommunityengagementparticipation.ADOHstaffhasreviewedHAF

ProgramimplementationplanssubmittedanddraftedbyotherStatesthroughtheirpublishedonline

informationandsummarizeditforreferenceindevelopmentofADOH’sprogram.ADOH’sDeputyDirectormet

withtheProductandPolicyDevelopmentAdvisorandaSeniorAssociateintheCommunityLending/Business

DevelopmentfromFannieMaeAffordableLendingandHousingEquityTeamtodiscussprogramdesign.



Tosolicitinputonthedraftplan,ADOHhelda7‐daypubliccommentperiodandhostedtwovirtualpublic

hearingsonSeptember8,2021andSeptember10,2021.ThedraftplanwaspostedtotheADOHwebsite,with

papercopiesavailableuponrequest.Additionally,giventhehighnumberofSpanishspeakinghouseholdsinAZ,

ADOHalsopostedaSpanishtranslationofthedraftplan.Duringeachhearing,ADOHpresentedinformationon

theplanincludingeligibilityrequirements,documentationrequirements,disbursementpriorities,processes,

andopportunitiesforpartnership.ADOHsolicitedcommentsfrommembersofthepublicviaemailandthe

publichearings.ADOHadvertisedthesehearingsintheState’sprimarynewspapers,onitswebsite,ane‐mail

blasttocommunitypartners,andallsocialmediaoutletsavailabletotheDepartment(Facebook,Twitter,etc.).

Inadditiontoprovidinginformationaboutthepublichearings,theadvertisementsallowedsubmissionof

commentsinwritingtoadesignatedADOHemail,[email protected].



7

QuestionsandcommentsweresubmittedtoADOHduringthe7‐daypubliccommentperiod.Atotalof35

questionsweredirectlyaddressedbyADOHandprovidedinsighttotheproposedprogramcomponents,

fundingallocationstoruralcommunities,aswellasrequestsforclarificationonsectionsoftheposteddraft

plan.Allquestionswereansweredverballyinthepublicmeeting,whenpossible,andweresummarizedand

postedwithawrittenresponse.Somequestionsthatpromptedclarificationoradditionstothedraftplan

includedthefollowing:



Q. PleaseexplainhowADOHwillmakeassessable,thisa ssistance,acrosstheStateofArizona.Withasingleaccess

portal,assuming afirstcomefirstservem ethodology,themosttechsavvyapplicantswillbeadvantage d,aswellas

thosefromur ban ize dandpopulatedareas;Phoenix,Mesa,Glendale,Tempe,andTucson.

ADOHistargetingpaidmarketingandoutreacheffortstolowincome,highminority,andruralcommunities

throughouttheState.Additionally,ADOHiscontractingwithlocalagenciesinthesecommunitiestoprovide

directoutreach,outreachevents,andpersonalassistanceforvulnerablepopulationswhomaybelesstech‐

savvythanthegeneral

population.PerHAFGuidance,60%ofthefundingwillbesetasideforhouseholdsat

orbelow100%ofAMIandthosehouseholdsarepredominatelyminorityand/orlocatedinruralareasofthe

Statewhereourmarketingandoutreacheffortsareconcentrated.Alternativemethodsofapplyingforthose

residentswithoutdevices,

connections,technicalexpertise,ordisabilityassistanceinclude:smartphones,

tablets,PCs,paperapplications,acallcenter,andin‐personassistancebycontractedlocalagencies.



Q. Willyouconsideranallocationm etho dologyacrosstheStatewithbudgetsandaccesstothosebudgets,specificto 

communities?

A. PerHAFGuidance,60%of

thefundingwillbesetasideforhouseholdsatorbelow100%ofAMIandthose

householdsarepredominatelyminorityand/orlocatedinruralareasoftheStatewhereouroutreachefforts

willbeconcentrated.TheHAFprogramwillopenwithaStatewidebudgetandmarketingandoutreach

targeting

specifictocommunities.Itishopedthatthedirectmarketingandoutreachwilllevelthe

applicationsamongcommunities.Theimplementationwillbecloselymonitoredandiflowincome,high

minoritycommunitiesarenotbeingequitablyserved,adjustmentswillbemadetoincreaseeffortsandset

asidefundingbycommunity.



TheplanidentifiescontractingwithHousingCounselingAgencies,canyouide ntifythepoolofAgencies,andyour

methodoffundingdistributiontotheseagencies?IsthispoolofAgencieslocatedwithinArizonaandcovered

acrosstheState?

A. AllArizonaHousingCounselingAgenciesandCommunityActionAgenciesmayassistwithHAF



implementation.ADOHhassomeAgenciesoncontractnowandisactivelycontractingwithnewagencies

thatarenotalreadyworkingwiththeDepartment.Alltheseagencieswillprovideoutreachefforts,housing

counseling,andapplicationassistancefortheHAFprogram.AgenciesparticipatinginHAFwillbepaidfrom

eithertheNeighborWorks

GrantortheHAFProgram,dependingontheagencyanditscurrentcontract

status.ADOHwillpayAgenciesforcostsrelatedtooutreachevents,applicationassistance,housing

counseling,andfollowupwork.



Q. How/wheredowefind“highminorityandlowincomecommunities”parameters?

A. ADOHisusingcensustractinformationtoidentifyhighminoritycommunitiesandtheMortgage

nonpayment’sbyStatetoolonthewebsitefortheFederalReserveBankofAtlanta:

https://www.atlantafed.org/center‐for‐housing‐and‐policy/data‐and‐tools/mortgage‐analytics‐and‐

performance‐dashboardtoidentifycountieswithhighdelinquencyrates.Marketingandoutreacheffortswill

bespecifictothosecommunitiesandwillbelanguageandculturallyappropriate.Specifictargetingand

outreacheventsforthesecommunitieswillbecoordinatedwithcontractedHousingCounselingand

CommunityActionAgencies.



8

Q. Iamhe aring thatID.mesystemisvery cumbersomeandlengthy.IsthereanopportunityforPartnerstoverify

identityinotherways?

A. ADOHprovidesanalternativeidentificationprocessforapplicantswithnosocialsecuritynumberor

governmentID.AllotherapplicantsarerequiredtousetheID.mesystem.

TheID.mesystemisananti‐fraud

identificationsystemthathasbeenextensivelyusedbytheArizonaDepartmentofEconomicSecurityfor

unemploymentbenefitsandemergencyrentalassistanceapplications.Applicantswhoexperiencedifficulty

withID.mecangetassistanceviatheID.mewebsite,theHAFcallcenter,and/oracontractedHousing

CounselingorCommunity ActionAgency.Sinc eArizona’sHAFpilotopenedonNovember1,2021,91%of

applicantswereabletocompletetheID.meprocesswithnoassistance.Basedonthat,ADOHanticipatesthat

fewapplicantswillhavetroublewithID.meandthosethatdowillhaveenoughassistancefromthewebsite,



callcenter,andcontractedAgenciesthattheywillbeabletocompletetheID.meprocesssuccessfully.We

willconsiderothermethodsofidentityverificationifID.mebecomesproblematic.

ProgramDesign

ThehomeownerneedsinArizona,justformortgagedelinquencyalone,greatlyexceedtheamountofHAF

fundingallocated.However,jobsarecomingbackandunemploymentnumbersaredropping,sohomeowners

haveabrighteroutlookfortheirfuturefinancialstability.Withthisinmind,ADOHuseditsexperiencewiththe

HHFprogramaswellastheState’srecentexperiencewithEmergencyRentalAssistancetodesignaprogram

thatwillbeeasytoapplyfor,preventingforeclosures,preventingutilityshut‐offs,andplacethehomeownersin

asolidfinancialposition.HAFfundingwillbeusedforReinstatement,Utility/Internet,MonthlyMortgage,

DelinquentPropertyTax,AssociationFee/Lienassistance,HousingCounseling,andapplicationassistance.

BudgetsforeachprogramwerebasedonbankreportedaveragemortgagedelinquenciesandtheState’s

experiencewithaverageutilitydelinquenciesintheRentalAssistanceProgram.Thesewerecombinedtoarrive

atamaximumassistanceamountperhouseholdandamaximummonthlyassistanceamountforfraud

prevention.ToexpandthereachofHAF,agenciesassistingwithHAFapplicantsareencouragedtoreviewall

mortgagelossmitigationoptionspriortotheclientapplyingforHAF.



PerformanceDescriptions

ArizonaHomeownerAssistanceFund(AZHAF)‐Overview

TheArizonaHomeownerAssistanceFund(AZHAF)willprovideupto$25,000perhouseholdtoeliminateor

reducehousingcostdelinquency.The$25,000perhouseholdamountwasbasedona12‐monthaverage

mortgagepayment($1,300)formortgagereinstatement,12monthsofdelinquentutilities,and3monthsof

mortgagepaymentsgoingforward.Thisestimateisconsistentwithoneofourlargestlendersreportingan

averageof9monthsdelinquentand$11,000inarrearsperhouseholdasofAugust2021.ADOHthroughits

contractedthirdpartywillmakepaymentsdirectlytothemortgagor,loanservicer,escrowcompany,and/or

otherhousingprovider.Theseassistancefundswillbeinaformofagrantandwillnothavetobepaidback.

ADOHanticipatesallocating$180,000,000toprovidedirectassistancetolo winco mehomeowners.

Assistancetypeswillbeappliedinorderasshownbelow:

EligibleMortgageTypes

 FirstMortgages

 SecondMortgages

 ReverseMortgages(securedbyrealestateoradwelling/permanentlyaffixedtorealpropertyand

taxedasrealestate).

 LoansSecuredbyManufacturedHousing(securedbyrealestateoradwelling/permanentlyaffixed

torealpropertyandtaxedasrealestate).

 ContractsforDeedorLandContract(ifitisacredittransactionsecuredbyaconsensualsecurity

interestinthedwelling)



9

EligibleHousingCosts/Assistance Types

1. ReinstatementAssistancePayment(RA)

ReinstatementAssistancewillallowahomeownertoreinstateamortgageupto12monthsin

delinquencyortopayotherhousing‐relatedcostsrelatedtoaperiodofforbearance,delinquency,or

default.Remainingfundingcanbeusedformonthlymortgagepaymentassistanceoutsideof

reinstatement.ADOHanticipatesallocating$111,200,000toReinstatemen tA ssistan ce.

InsuranceAssistancePayment(Homeowners,Flood,and/orMortgage)

InsurancePaymentAssistancewillallowpaymentassistanceforhomeowner’sinsurance,flood

insurance,and/ormortgageinsurance.Paymentassistancewillprovideupto(1)annual

homeowner'sinsurancepremiumtoassisthomeownersmaintainhousingstability.Thiswill

applywheninsurancefeesarenotescrowedintothehomeowner’smonthlymortgagepayment.

ADOHanticipatesallocating$3,000,000.00toInsuran ceAssistance.

2. Utility/Internet/BroadbandAssistancePayment(UI)

Utility/Internet/BroadbandPaymentAssistancewillallowpaymentassistanceforhomeowner’s

utilities,includingelectric,gas,homeenergy,andwaterandpaymentassistanceforhomeowner’s

internetservice,includingbroadbandinternetaccessservice,asdefinedin47CFR8.1(b);

TheUtility/InternetAssistancePaymentwillprovidepaymentassistanceondelinquentutilitypayments

directlytoutilityproviders.Utilitiesincludedareelectric,gas,homeenergyandwaterinadditionto

internet.ADOHan ticipatesallo cating $18,000,000toUtility/InternetAssistance.

3. MonthlyMortgageAssistancePayment(MM)

MortgagePaymentAssistancewillallowahomeowneruptothree(3)additionalmonthsoutsideof

reinstatementassistanceofmonthlymortgagepaymentsifnotallfundsareexpendedwiththeabove

paymentassistancethatwillbeprovided.ADO Hanticipatesallocating$29,800,000toMonthlyMortgage

Assistance.

OtherEligibleHousingCosts/AssistanceTypes

1. DelinquentPropertyTaxAssistancePayment(DPT)

DelinquentPropertyTaxPaymentAssistancewillallowtaxesuptothree(3)years/six(6)installments

ofdelinquentpropertytaxpaymentassistancefordelinquentpropertytopreventhomeownerfromtax

foreclosures.Thiswillapplywhenthesepropertytaxfeesarenotescrowedintothehomeowner’s

monthlymortgagepaymentandwhentherearepropertytaxdelinquenciesdirectlyrelatedtoapplicantswith

ReverseMortgages

.ADOHan ticip atesallocating$9,000,000 toDelinquentPropertyTaxAssistance.

2. AssociationFees&LienAssistancePayment(AFL)

AssociationFee&LienAssistancewillallowpaymentassistanceofone(1)annualpremiumfor

homeowner’sassociationfeesorliens,condominiumassociationfees,orcommoncharges.Thiswill

applywhenassociationand/orlienfeesaredelinquentenoughthatthereisariskofdisplacementofan

eligiblehomeowner.

HomeownerAssociationliensorfees,CondominiumAssociationliensorfees,commoncharges,and

similarcostspayableunderaunitoccupancyagreementbyaresidentmember/shareholderina

cooperativehousingdevelopmentmaybedeterminedtobeaneligiblehousingcostifthereisariskof

displacementofaneligiblehomeowner.ADOHanticipates allocating$9,000,000toAssociationFees&

LienAssistan ce.

10

HousingCounselingandApplicationAssistance

ADOHunderstandsthatHAFfundsaretobeusedtosupplementotherloss‐mitigationeffortsanditis

encouragedthatparticipantsavoidusingHAFfundsinamannerthatreplacesotherloss‐mitigationresources

thatwouldotherwisebeavailable.InJune2021,ADOHmadeapplicationforHousingStabilityCounseling

Program(HSCP)fundsthroughNeighborWorksAmerica(NeighborWorks)andwasawarded$273,600in

counselingfundstoprovidehomeownershousingcounselingservicesthatwouldbenefittheirlossmitigation

effortsoutsideofHAFfunds.ADOHplanstoleverageresourcesavailablethroughitsHSCPgrantforitsloss

mitigationprocesstobenefiteligiblehomeownersthroughthisfunding.Clientsmustself‐certifythattheyare

currentlyfacinghousinginstabilitythroughoneofthethreecontractedHousingCounselingAgencies(HCA/Sub

Grantees).ThroughtheHCAstandardintakeprocessesandevaluationonacase‐by‐casebasisADOHanticipates

thataneligibleapplicationwillbeabletoexploreoptionsthroughlossmitigationeffortspriortomaking

applicationforHAFfundingwhenworkingwithHCAs.



InadditiontotheNeighborWorksHSCPfunding,ADOHhasallocatedHAFfundingtoHousingCounseling

AgenciesandCommunityActionAgencies(HousingPartners)throughaSolicitedRequestforQualifications

(RFQ)(SolicitationNo.2022‐01).ADOHwillrequireassistancefromtheseHousingPartnerstoprovidedirect

outreachandhomeownerapplicationassistancefortheHAFprogram.Currently,ADOHhasissuedeleven(11)

contractawardletterstoHousingPartnersforassistancewiththeHAFprogram.Belowisadescriptionof

variousaspectsofprogramtasksanddeliverableswhichtheselectedHousingPartnerswillberequiredto

provide.



Outreach.HousingPartnerstoprovidedirectoutreachtothemostat‐riskcommunitymembers,

includingthoseinhighminoritycensustracts,lowincomecommunities,andruralArizonacommunities.

Directoutreachcanincludephonecalls,in‐personmeetings,andevents.



HomeownerswithoutaccesstotheInternet.Withrespecttohomeownerswhodonothaveaccessto

theinternet,HousingPartnerswillberequiredtocompletethewebapplicationonbehalfofinterested

homeowners.Thismayrequireameetingwiththehomeownerormaybecompletedoverthe

telephone.Basedontheresultsofthepre‐screeningfilter,theHousingPartnerwillassisttomovethe

homeowneralongintheprocessforfinancialassistanceforthosewhoappeartobequalifiedfor

assistance.



Potentiallye ligiblehomeowners withoutaSocialSecurityNumber.Withrespecttohomeownerswho

appeartobepotentiallyeligibleforfinancialassistancebasedontheirattemptedsubmissionofa

completedapplicationthroughthewebsite,butdonothaveasocialsecuritynumbertogothroughthe

initialID.meprocesstovalidatetheiridentity,HousingPartnerswillassistthehomeownerincompleting

apaperapplicationandfax(tobeprovided)suchapplicationswithallrequireddocumentationto

MaximusHumanServices,Inc.



HAFProgramPortal.Withrespecttotheprogramportal,HousingPartnersarerequiredtoassist

homeownerswithcompletionoftheonlineapplicationandselecttheircorrespondingAgencyname

whilemovingthroughtheapplicationprocesstoshowtheyassistedintheapplicationcompletion.This

isnecessaryforcompensationtoHousingPartnersinthisprogram.



FollowUpAssistance.Follow‐uponincompleteordeniedapplications.



 

11

EligibilityRequirements

HomeownersareeligibletoreceivefundingundertheAZHAFifthey:

(1)AttestthattheyexperiencedafinancialhardshipafterJanuary21,2020associatedwiththeCOVID‐

19pandemic;

(2)Provideincomedocumentationandarefoundtobeatorbelow150%ofAreaMedianIncome(AMI)

fortheirlocation;and



(3)CurrentlyownandoccupyaprimaryresidenceinArizona(theapplicantmustownandoccupythe

propertythatisseekingassistance).

Eligiblepropertiesincludesingle‐familyresidentialproperties,1‐4unitcondominiumsandtownhomes(where

oneoftheunitsmustbeoccupiedbytheowner),residentmember/shareholderinacooperativehousing

developmentandmanufacturedhomespermanentlyaffixedtorealpropertyandtaxedasrealestate.

IncomeDetermination

ADOHwilluseadjustedgrossincomeasdefinedforpurposesofreportingonInternalRevenueService(IRS)

Form1040seriesforindividualfederalannualincometaxpurposes.

ADOH’sincomedeterminationapproachwillbebasedondocumentationsubmittedanduploaded(taxreturns,

bankstatements,paystubs,etc.)withanattestationastohouseholdincome.Iftheapplicanthasnotfiledtaxes

forthepreviousyearordoesnothaveaccesstotaxdocuments,theywillbegivenanoptiontoprovidea

writtenattestationastohouseholdincome,anduploaddocumentationofincomesuchaspaystubs,W‐2sor

otherwagestatements,IRSForm1099s,taxfilings,depositoryinstitutionstatementsdemonstratingregular

income,oranattestationfromanemployer.Inaddition,theapplicationportaldesignatesprioritylevelsfor

attestedhouseholdincomesduringtheapplicationprocessandperformsafact‐specificproxyforhousehold

income,providinghouseholdsbelow100%ofAMIhighpriorityforadjudicationandthosehouseholdsat150%

lowpriority.

Waiversand/orexceptionsmaybeprovidedtoaccommodateextenuatingcircumstances,suchasdisabilities,

practicalchallengesrelatedtothepandemic,oralackoftechnologicalaccessbyhomeowners.

IntendedImpactonEligibleHomeowners

TheintendedimpactofAZHAFiseliminatingorreducingpastduehousingpaymentsandotherhousingrelated

costs,whilehelpingavoidforeclosure,alleviatingtheburdenofdelinquency,whileultimatelymaintaining

homeownership.ItisprojectedthatAZHAFmayassistupto15,000unduplicatedhouseholdstoprevent

foreclosureinthenext24months.

ApplicationProcess/EquityandAccessibility

ApplicantswillapplythroughanonlineportalcreatedbyADOH’scontractedvendor,SperidianTechnologies.

ApplicationswillbeofferedinEnglishandSpanish.Paperapplicationsareavailableuponrequestasispersonal

assistanceincompletingapplications.ADOHhascollaboratedwithlocalHousingCounselingAgencies,

CommunityActionOrganizations,andMaximusInc.Thesepartnershipswillprovideadditionaloptionsand

opportunitiesforhomeownerswhorequireassistancefillingoutandsubmittingapplicationswhilealsodirectly

targetingandservingvulnerablepopulations.Theportalis508ADAcompliantandmakesiteasierforapplicants

withphysicaldisabilitiestoapplyonline.



12

Homeownerswillbegiventheabilityintheonlineapplicationtoattestthattheyexperiencedfinancialhardship

afterJanuary21,2020.Theattestationmustdescribethenatureofthefinancialhardship(forexample,jobloss,

reductioninincome,orincreasedcostsduetohealthcareortheneedtocareforafamilymember).Theonline

applicationwillalsoprovidetheabilityforapplicantstouploaddocumentationrequiredfortheprogramsuch

asIRS1040Form,W‐2,Paystubs,mortgagestatements,Taxstatementsforpropertyfees,HOAStatementsand

Utilitybills.

ConditionsandLimitations

Fundingwillbelimitedto$25,000perhouseholdtoreinstatedelinquentmortgagepaymentsupto12months,

cureanyothereligiblehousingcosts,andprovideanadditional3monthsofmonthlymortgageassistanceafter

eligibledelinquenciesarecured.Totalmonthlymortgageandutilityassistanceislimitedto$3,500permonth.

Perguidelines,60%offundswillbesetasideforthehomeownershavingincomesequalorlessthan100%of

AMIorlessthan100%ofthemedianincomefortheUnitedStates,whicheverisgreater,and40%offundswill

beavailablefor150%ofAMIandbelowandwillbeprioritizedforthosewhoaresociallydisadvantaged.

AlthoughADOHhascreateditsHAFplantobeavailabletoindividualswhoareatorbelow150%AMI,itintends

toprioritizeassistancetoSociallyDisadvantagedIndividualsbyestablishingprioritizationwithintheapplication

intakesystemwhereadjudicationprioritywillbegiventothosehouseholdsthatareatorbelow100%AMI.

PaymentAssistanceislimitedtoincludeuptothree(3)yearsofdelinquentpropertytaxesand/oruptoone(1)

annualhomeowner'sinsurancepremiumtoassisthomeownersmaintainhousingstability.Homeowner

Associationliensorfees,CondominiumAssociationliensorfees,orcommoncharges,andsimilarcostspayable

underaunitoccupancyagreementbyaresidentmember/shareholderinacooperativehousingdevelopment

maybedeterminedtobeaneligiblehousingcostifthereisariskofdisplacementofaneligiblehomeowner.

Paymentassistanceformultipleeligiblehousingcostsperhouseholdawardshallnotexceed$25,000.00.

HomeEquityLineofCredit(HELOC)loansareineligible.

Homeownersinactivebankruptcymaybeeligible.Homeownerswhopreviouslyfiledforbankruptcybutareno

longerinbankruptcymustprovideproofofcourtordered“discharge”or“dismissal”.Waiversand/orexceptions

maybeprovidedtoaccommodateextenuatingcircumstances,suchasdisabilities,practicalchallengesrelated

tothepandemic,oralackoftechnologicalaccessbyhomeownersifsuchdocumentsareinaccessible.

PaymentProcess

ADOHthroughitscontractedthirdpartywillinitiatethedisbursementprocessofHAFassistanceobtaining

requiredassistanceinformationdirectlyfromitscasemanagementportalthroughageneralaccounting

expensedocument(GAX).ThisfilewillbetransmittedtoADOH’saccountingdepartmentwhereitwillbe

reviewedandprocessedthroughtheArizonaFinancialInformationSystem(AFIS),theofficialaccountingsystem

andrecordkeepingsystemoftheStateforfiscalinformation.Paymentswillbemadedirectlytothemortgage

lender/servicer,manufactured/mobilehomelender,countytreasurerorlocaltaxingauthority,utility

companies,and/orcondominium/homeowners’associationthroughtheStateofArizona’sGeneralAccounting

Office(GAO)viacheckorelectronicfundstransfer.ACHtransferswillbethepreferredmethodofpayment.

 

13

MethodsforTargetingHAFFunding

Toensureparticipationbyhouseholdswiththegreatestneeds,ADOHwilltargetHAFoutreach,marketing,and

personalassistancetolowincome,highminority,andruralcommunitiesintheState.Alocalpublicrelations

firm,Lavidge,wasengagedtodeterminethebestmethodsofadvertisingandoutreachtoArizona’srural,low

income,andminoritycommunities.BasedonLavidge’sresearchandexpertise,paidmediaoutreachwill

includestatewideandhyperlocalradiospots,Spanish‐speakingradio,Pandoraradio,andalllocalnewspapers

outsideMaricopaandPimaCounties.Thiswillbeinadditiontothefreepresswewillreceivewithpress

releases,localtelevisionnewsstories,andmediainterviewsoftheDirector.Lastly,Lavidgewillproduceflyers

inEnglishandSpanishtopostatlocaljurisdictionaloffices,StateMotorVehicleDepartmentandDepartmentof

EconomicSecurityofficesaswellaslocalcommunitycenters,churches,andgrocerystores.

TargetingOutreachandEasyHomeownerAccessibility

ADOH’sHAFmarketingcampaignisdesignedtoraiseawarenessamongtargetaudiencesregardingthesupport

availabletoArizonanstoavoidforeclosureontheirhome,providingclearguidanceoneligibilityrequirements

andtheapplicationprocess.Thecampaignwilltargetmarketingandoutreacheffortstoreachcommunities

experiencinghigherthanaverageratesofmortgageforbearanceanddelinquencies,drivenbydata,research,

andlocalinsight.TargetedoutreachincludesafocusonreachingHispanic,Spanish‐dominant,andrural

homeownersinthestaterepresentinglargesegmentsofArizona’spopulation,allexperiencinghighratesof

mortgageforbearance,andtraditionallyneedingmorerobustoutreachcomparedwithurbanandEnglish‐

dominanthouseholds.



ThemarketingcampaignprioritizesreachingaudiencesandregionswithknownbyADOHtoneedsupportfrom

HAFandmarketingstrategiesarebasedonthisinformationalongwithathoroughevaluationofdemographic

dataandhousing/financialreportingfromtheFederalReserve.Consideringthestate’slargeHispanic

populationandsubstantialnumberofSpanishlanguage‐dominanthouseholds,thecampaigncontentisfully

bilingualinEnglishandSpanish,andstrategiesincludemediaplacementswithEnglishandSpanishmedia.All

creativecontent(i.e.radioandprintadvertisements)fordeploymentonSpanishmediaweredevelopedbya

professionallinguistutilizingSpanishterminologycommonlyusedintheregion.Further,therecommended

mediaplanisbasedonmediaconsumptiontrendsofthedefinedtargetaudiencesandwithintherespective

geographicregion,maximizingreachandmessagefrequency.



MarketingcommunicationsandcommunityoutreacheffortspromotingHAFwilldrivepotentialapplicantsto

theADOHHAFwebsiteand/orthesupporthotlinewhereinformationregardingeligibilityandtheapplication

processwillbeavailableinbothEnglishandSpanish.PublicrelationseffortswithEnglishandSpanishmedia,

communitypartnerships,andin‐personoutreacheffortswillcomplementthepaidmediacampaignand

increaseawarenessofthesupportavailablefromHAFamongtargetaudiences.



CulturallyRelevantMarketing

ADOH’sHAFmarketingcampaignprioritizesdevelopmentofculturallyrelevantinformationthatisaccessible

andresonatesstatewide,providingclearguidanceoneligibilityandtheapplicationprocess.Alladvertisingand

promotionalcontentwastranscreatedfromEnglishtoSpanish,ensuringallSpanishlanguagecontentisnot

basedonasimpletranslationbutratherdevelopedtoresonatewiththemajorityofSpanish‐dominant

Arizonansconsideringregionalterminology,relevantculturalnuances,andevenusinglocalvoicesforradio

advertisements.InadditiontotheconsiderationsforSpanish‐dominantArizonansthelevelofconnectivityin

ruralcommunitieswasconsidered,resultingintheinclusionofasupporthotlineprovidinginformationand

applicationsupporttopotentialHAFapplicantsinEnglishandSpanish.



14

Demographicdataandmediaconsumptiontrendsamongdefinedtargetaudiencesguidedthedevelopmentof

thepaidmediaplanwithinthedefinedbudget.Further,audiencesizeandlocalinsightshelpedtoensurethat

contentisdeployedwithmediawiththegreatestreachincommunitiesstatewide.Asanexample,Pandorais

includedasamediumforpaidadvertisingtopromoteHAFamongHispanicaudiences,asitisthemost

frequentlyuseddigitalstreamingplatformformusicamongthisaudienceregardlessoflanguagedominance.

Anotherexampleislocalnewspapersandcommunitynewsletters.Theseareregularlyreadandtrustedsources

ofnewsinArizona’sruralcommunities.ADOHwillhavepaidadvertisementsandwillactivelyseek

endorsementsandstoriestoencourageHAFapplications.



Collaboration

ThroughtheHAFplanningprocessandduringpreviousTreasury‐fundedprogramsADOHformedrelationships

withmortgageservicersaswellaslocalserviceagenciesthatwillprovideanadvantagetotherequiredtarget

populations.ADOHwillcollaboratewithlocalCommunityActionOrganizations,HousingCounselingAgencies,

andotherlocaljurisdictionorganizationstofocusonreachingthetargetedpopulationsbasedonincome,race

andethnicitydemographics,and/orgeographicareasincludingthoseruralcommunitiesingreaterneedas

requiredbytheU.S.DepartmentofTreasury.ThecontractedAgencieswillprovideassistancetoknown

householdsalreadyseekingStateandFederalassistance,educationservices,financialmanagement,andjob

attainmentassistance.Additionally,thesepartnerswillhostlocalHAFoutreacheventstocommunicateabout

theprogramandprovidepersonalassistancewithapplications.Throughthesecontracts,personalassistance

withapplicationswillbeavailabletoallapplicantswhorequestassistance,withappropriateaccommodations

madeforthosewithdisabilities,technology,orotherissuesthatmayadverselyaffecttheirabilitytoapplyfor

HAF.



Mortgageservicerswillbecontactedregularlyandupdatedwithcurrentstatusoftheprogram.ADOHwill

requesttheyincludeprograminformationviareferralsfromcallcentersandprintedonmonthlymortgage

statementstoprovideawideoutreachtoallStatehomeowners.ADOHwillmakethesamerequestofState

wideutilitycompaniesincludinglocaljurisdictionwaterandpublicservicebills.

Theplanwilleffectivelytargethomeownerswith:

1. Incomesequaltoorlessthan100%oftheareamedianincomeorequaltoorlessthan100%ofthe

medianincomefortheUnitedStates,whicheverisgreaterwhere60%ofthefundingwillbesetaside

forthosehouseholds;and

2. Sociallydisadvantagedindividuals,asrequiredbytheU.S.DepartmentofTreasury.

Treasurydefinition“Sociallydisadvantagedindividualsarethosewhoseabilitytopurchaseor

ownahomehasbeenimpairedduetodiminishedaccesstocreditonreasonabletermsas

comparedtoothersincomparableeconomiccircumstances,basedondisparitiesin

homeownershipratesintheHAFparticipant’sjurisdictionasdocumentedbytheU.S.Census.

Theimpairmentmuststemfromcircumstancesbeyondtheircontrol.Indicatorsofimpairment

underthisdefinitionmayincludebeinga(1)memberofagroupthathasbeensubjectedto

racialorethnicprejudiceorculturalbiaswithinAmericansociety,(2)residentofamajority‐

minorityCensustract;(3)individualwithlimitedEnglishproficiency;(4)residentofaU.S.

territory,Indianreservation,orHawaiianHomeLand,or(5)individualwholivesinapersistent‐

povertycounty,meaninganycountythathashad20%ormoreofitspopulationlivinginpoverty

overthepast30yearsasmeasuredbythethreemostrecentdecennialcensuses.Inaddition,an

individualmaybedeterminedtobeasociallydisadvantagedindividualinaccordancewitha

processdevelopedbyaHAFparticipantfordeterminingwhetherahomeownerisasocially

15

disadvantagedindividualinaccordancewithapplicablelaw,whichmayreasonablyrelyonself‐

attestations.”

Asdescribedabove,targetingincludespaidadvertisingandmarketing,directoutreach,andpersonalassistance

forrural,lowincome,andhighminoritypopulationcommunities.Allinformationandapplicationswillbe

translatedintoSpanishandthecallcenterwillbestaffedwithSpanishspeakers.Inaddition,mediaand

outreachmaterialswillbetranslatedintoSpanishtofocusonminoritycommunitieswhereSpanishis

predominatelyspokeninthehousehold.Outreachmaterialswillalsobetranslatedintootherlanguagesas

determinedbyfurtherresearchandrequestedbycontractedagencies,communityorganizations,orresidents.

BestPracticesandCoordinationwithOtherHAFParticipants

ADOHreferredtotheNationalCouncilofStateHousingAgencies(“NCSHA”)whentakingaccountforbest

practicesandcoordinationwithotherHAFparticipants.NCSHAprovidedamemorandumtitled“BestPractices

inHFAMortgageProgramDesigns:LessonsLearnedfromHHFandCRF”thisresourcewasanexcellent

collaborationbetweenthestatessharingtheirbiggestchallengeswhileadministeringHHFfunds.Thetopthree

challengeswerestaffing,securingservicerparticipation,andacquiringandintegratingtherightcomputer

softwareandinformationtechnologyfortheprogram.ThesethreechallengesexistedforArizonawhile

administeringHHFfunding,andinadditiontohavingfirsthandknowledgeofthesetbacksthesourcewasa

greatoutlookonhowotherstatessharedthesamedisadvantages.

ThefollowingrequirementswereatoppriorityforADOHwhiledevelopingtheHAFplanandresearchingother

HAFparticipantsandtheirpreviousprogramsetbacks.

1. BeginassistancewithReinstatementofdelinquencyfollowedbycoveringoverduehousingrelated

expenses;thisapproachwouldprovidehomeownerswithabetterpositiontoworkthroughothernon‐

housingdelinquencieswhiletheirhousingdelinquencyisrelinquished.

2. Simpledocumentationrequirementsandthedevelopmentofclearprogramguidancethataresimilarto

theguidanceofotherHFAs.

3. StructureHAFassistancetobeinth eformofaGrantandnotaloan.Severalstatessharedthatgrant

structuredassistancewouldbemoreeffectiveandrequirelessdocumentationandpaperwork.

4. Establishedinfrastructur ebeforeprogramrollout–theneedtostartadministeringthefundscan

becomeanumberonepriorityforagencies.Butifstaffingandsystemsarenotinplaceandstate

programsfeeltheycanjustplanasthetimegoesbythiscancauseallpartiestobecomeoverwhelmed.

Statescanfindthemselvesoverwhelmedwithapplicationswhilehomeownersseekassistanceand

becomefrustratedindelayswithtechnicalprogramsandlackofdevelopment.

5. Outsourceprogramasawhole.

ADOHalsoreviewedavailableStateHAFplans,websites,andprograminformationpriortofinalizingourHAF

plantogatherideasandensureconsistencyinourimplementation.Inadditiontotheabove,therehavebeen

discussionswithFannieMae,othermortgageservicers,andHousingCounselingAgencies,thatemphasized

reinstatementsasapriorityforHAF.

OtherAvailableSourcesofAssistanceforTargetedHomeowners

Asofthisdate,AZHAFwillbetheonlyprogramintheStatethatisprovidingacomprehensiveMortgage

AssistanceProgramtoreducedelinquencyandpreventforeclosuresforArizonahomeownersonnon‐tribal

land.

16

PerformanceGoals

ADOHplanstocommunicateitsperform ancetothepublicbypublishingareal‐timedashboardtoitsapplicationportal

(https://haf.azhousing.gov/)aswellastheDepartment’swebsite(https://housing.az.gov/).Theinformationwillcome

directlyfromtheFinancialAssistanceManagementSystem(FAMS)portalandwould includethefollowingdatapoints:

1. TotalSubmittedApplications

2. ProgramApprovalforSubmittedApplications

3. AssistanceDisbursed–TotalandbyProgram

4. BreakdownofHomeownerApplicationsbyCounty(Map)

5. BreakdownofHomeownerAssistancebyCounty(Chart)

OverallMetrics

AZHomeowner

AssistanceFund

(AZHAF)

Successfullyadminister

fundingtotargeted

vulnerablegroupswhile

assistinghomeowners

maintainhousingstability.

ProgramTypes/Components:

1. ReinstatementAssistancePayment(RA)

2. Utility/InternetAssistancePayment(UI)

3. MonthlyMortgageAssistancePayment(MM)

Othereligiblehousingcosts:

1. DelinquentPropertyTaxAssistancePayment(DPT)

2. AssociationFees&Li

enA

ssistancePayment(AFL)

TargetingVulnerable

Groups

Trackandprioritizeapplicationssubmittedbyrace/ethnicityofheadof

household.

Trackandprioritizeapplicationssubmittedbyincomelevel(150%AMI).

Trackandprioritizeapplicationssubmittedbygeographicarea.

ReducingMortgage

Delinquencies

Applicationsapprovedandfundedbyrace/ethnicityofheadofhousehold

Program MetricofSuccess Goal(seechartbelowforinformationassociatedwithnumbersreferenced–theseare

estimationsandaresubjecttochange)

Reinstatement

Assistance

(RA)

Avoidhomelossesdue

mortgagedelinquency.

Prevent6,600homelosseswithin24months;

TargetingVulnerableGroups;and

CureMortgageDelinquencies

Housing

Counseling

(HC)

Addressmortgage

delinquenciesviaother

lossmitigationmeasures

Prevent1,000homelosseswithouttheuseofHAFformortgagedelinquencies

Utility/Internet

Assistance

(UI)

Avoidutility/internet

servicedisconnections.

Prevent4,600householdsfromutility/internetdisconnectionwithin24months;

TargetingVulnerableGroups;and

ReducingMortgageDelinquencies

Monthly

Mortgage

Assistance(MM)

Furtherassisthouseholds

inadditiontothe12‐

monthdelinquencies

previouslypaid.

Allow7,100householdsadditionalfundingtoregainstabilitywithin24months;

TargetingVulnerableGroups;and

PreventingFurtherMortgageDelinquencies

OtherEligibleAssistance:

(ifhouseholdassistanceamounthasnotyetexpendedunderRA,UI,MM)

Delinquent

PropertyTax

Assistance(DPT)

Avoidtax‐related

delinquenciesatriskof

displacement.

Prevent200homesfromfallingintotaxforeclosurewithin24months;

TargetingVulnerableGroups;and

ReducingPropertyTaxDelinquencies

AssociationFees

&LienAssistance

(AFL)

Avoidhomelossdueto

delinquentassociation

fees&liendelinquencies.

Prevent1,250homesfromfallingintoforeclosurewithin24months;

TargetingVulnerableGroups;and

ReducingMortgageDelinquencies

17

Thethreemetricsthatwillserveasthebestindicatorofsuccessare:

 Numberofhomelossesprevented

 Numberofutilitydisconnectionsprevented

 Percentageoftotalassistanceprovidedtolowincome(<=100%AMI)minorityhouseholds



PerformanceGoalsBreakdown



Sources:

MortgagePayment(PIT I) https://www.businessinsider.com/personal‐finance/average‐mortgage‐payment

Thisfigureincludesamortgagepayment,aswellasinsurancecosts,propertytaxes,utilities,andHOAfees

wherenecessary.

Homeowner'sInsurance https://quotewizard.com/home‐insurance/average‐cost‐of‐homeowners‐insurance

FloodInsura n c e  https://quotewizard.com/home‐insurance/average‐cost‐of‐flood‐insurance

MortgageInsu rance  https://quotewizard.com/home‐insurance/arizona

AssociationFees https://www.investopedia.com/terms/h/homeowners‐association‐fee‐hoa.asp

Upto3yearsofAssociationFees

UtilityCosts  https://www.move.org/utility‐bills‐101/

 

18

Readiness

ADOHhasextensiveandrelevantexperienceindeliveringfederallyfundedhousingassistancetoArizonians

throughtheadministrationofU.S.Treasury’sHardestHitFundandotherprograms.Throughthesupportof

ADOH’scontractors,networkofHousingCounselingAgenciesandCommunityActionOrganizations.ADOHhas

implementedanapplicationpilotprogramwhereassistanceapplicationsarecurrentlybeingcollected;this

implementationbeganonNovember1,2021.ADOH’sconsiderableexperience,successfulapplicationintake,

andreadinessforimplementationmakesArizonapreparedtolaunchanddeliveritsprogramimmediatelyupon

approvalfromtheU.S.DepartmentofTreasury.

ADOHassessedthefollowingsubsectionsasassuranceofitsabilitytoeffectivelydeliverandadministerthe

proposedprograms.

 Oversightresourcesand programmanagement–ADOHstaffandcontractors,arecurrentlyinplace.

 ExecutedTaskOrdersareinplaceforallcontractors

 SperidianTechnologies;

 Maximus;and

 ID.me



 Contractorstaffingavailabilityand rampup

 Maximus

 CustomerServiceRepresentatives(20)areactivelyansweringphonecallsthroughits

designatedcallcenter.

 CaseManagementAdjudicators(20)arecontinuallytrainedandhavebegunreviewing

applicationsasofNovember18,2021.

 SperidianTechnologies

 Readyandavailablewithchangesandimplementationsforallpartnersinvolved.



 Policiesandproceduresdocumentation‐written,continuallyreviewed,andupdated.

 ADOHanditsContractorsarecollectivelyandcontinuallyreviewingandediting;

 CustomerServiceRepresentativeScriptsarewrittenandimplemented;

 CustomerServiceRepresentativeAdjudicator’sjobdutiesanddescriptionshavebeenwritten

andimplemented.



 Systemconfigurationandpreparedness,includingreportingrequirements–ADOHstaffandcontractors.

 Approximately11reportshavebeencreatedandbeingactivelyusedbyADOHstaffand

contractors.

 ADOHstaffandcontractorswillcontinuetocreatereportsasdifferentneedsarise.



 Programrolloutschedule,dependenciesand imple m entation milestones–developedinconjunctionwith

contractorsandpartners.ApplicationportallaunchedoccurredonNovember1,2021andtodatehas

seen1722applicationssubmitted.



 Identifyrisks and possibleimpactto programgoalsandtimelin e–completedbyADOHwithassistance

fromStateDepartmentofAdministration.

 

19

IncorporatingHHFExperience

ADOH’simplementationofHAFwillsignificantlydifferfromtheHHFprogram.ADOHwillusesuccessfulHHF

policiesandproceduresasaframeworkandwillreviseandupdateaccordinglyfortheHAFprogram.Inakey

differencefromHHF,ADOHwillbeusinganonlineapplicationandpaymentsystemtostreamlineprocessesand

deliverHAFassistancequickly.Additionally,ADOHwillbeusingtemplatesandimplementingproceduresthat

havebeendevelopedcollaborativelyforHAFbytheNationalCouncilofStateHousingAgencies(NCSHA)and

mortgageservicers.

Aspreviouslystatedunder“BestPracticesandCoordinationwithOtherHAFParticipants”.Theplanfor

improvementandclearlytakingnoteofHHFchallengesweretoppriorityforADOHwhiledevelopingtheHAF

plan.ThefollowingweretakenintoconsiderationwhilecomparingHAFdistributiontoHHFdistribution.

1. BeginassistancewithReinstatementofdelinquency;

2. Simpledocumentationrequirements;

3. StructureHAFassistancetobeintheformofaGrant;

4. Establishedinfrastructurebeforeprogramrollout;and

5. Outsourceprogramasawhole.

Overthecourseofthelastten(10)yearsADOHhasadministered$303,278,099.00infundsfortheU.S.

DepartmentofTreasury’sHardestHitFundsprogram;thesefederalfundswereusedtoassistwithforeclosure

prevention&downpaymentassistanceprograms.ADOHcompliedwithalloftheU.S.DepartmentofTreasury’s

requirementsandinthecourseoftheprogram,ADOHassistedatotalof11,689homeownersfacing

foreclosurethroughprincipalreduction,secondmortgagesettlement,reinstatement/unemployment/

underemploymentassistance,shortsaleassistance,anddownpaymentassistance.Atotalof$269,707,494.00

dollarswerecommittedthroughHardestHitFundingtoassistthesehomeownersandprovidedhousingand

marketstability.ThebreakdownofhomeownerassistanceforthetotaldollarscommittedtoHardestHitFunds

isasfollows:

HHFBudgetandCommitmentsAnalysis,asofJune30,2021



 

20

StaffingandSystems

ADOHwillcontractwithSperidianTechnologiesandusethesameplatformasArizona’sEmergencyRental

AssistanceProgram(ERAP)foradministeringtheHAFprogram.SperidianTechnologieswillprovideits

technologysolutionFinancialAidManagementSystem(FAMS)toADOHanditspartnersformanagingvarious

aspectsoftheprogramaslistedbelow.FAMSsolutionisalreadydeployedattheArizonaDepartmentof

EconomicSecurity(DES)formanagingtheEmergencyRentalAssistanceProgram(ERAP).FAMSsolutionis

configuredtomeetallrequirementsofHAFprogramandisbeingdeployedinmultipleHAFagenciesacrossthe

USalongwithArizona.

1. Micrositefortheprogramawarenesswithcontentsuchasgeneralprogramrules,pre‐screening,

frequentlyaskedquestions,andresources.

2. Multi‐lingualandmobilefriendlyapplicationIntakeforonlineapplications.

3. CaseManagementPortalforphoneandpaperapplicationintake,managingapplicationandcase

processing,programeligibility,caseadjudicationandpaymentdisbursements.

4. ManagementofServiceproviderssuchasMortgagecompanies,HOAs,UtilityprovidersandInsurance

companies.ItalsoprovidesintegrationwithserviceprovidersviaCommonDataFile(CDF).

5. ReportingandAnalyticscomponentforgeneratingTreasuryandStatereports.

ContractsandPartnerships

TheprimarypartnershipstoimplementArizona’sHAFallocationaretheAZDepartmentofHousing,Speridian

Technologies,Maximus,theArizonaDepartmentofEconomicSecurity(DES),andtheArizonaHealthCareCost

ContainmentSystem(AHCCCS).



SperidianTechnologieswillprovideandmanageanonlineapplicationandpaymentprogram,theFinancial

AssistanceManagementSystem(FAMS).Maximuswillprovidecallcenterandcasemanagement

representativestooverseeapplicationintakeandcasemanagement/adjudicationservices.ADOHwill

continuallyworkcloselywithDEStoleveragetheirexperiencewiththeERAPprogramtolearnfromtheir

successesandsetbackswhilesharinginformationandsolutionsforprogramenhancement.ADOHwillbethe

oversightentityforthetwocontractsandwillberesponsiblefortheoverallperformanceoftheprogram.



ThroughoutthecourseoftheplanningprocessandduringpreviousTreasury‐fundedprogramsADOHhas

formedrelationshipswithmortgageservicersaswellasagenciesthatwillprovideservicesunderHAFfunding

suchasCommunityActionOrganizations,HousingCounselingorganizations,andotherjurisdictionsintheState

assistinghomeowners.Finally,theStatehasestablishedrelationshipswithutilityprovidersduringthe

implementationofitsEmergencyRentalAssistanceProgram(ERAP).ADOHwillusethesamecontracted

partnerthatformedtheERAPinfrastructuretoremitassistanceforapprovedapplicantstoutilityproviders.In

addition,ADOHwillcontinuetocollaboratewithotherStatedepartments,DESandAHCCCS,tocoordinateand

leverageassistanceaswellasreducetheopportunityforfraud.



ADOHunderstandsthatmaintaininggoodrelationshipswithmortgageservicerswillbecriticaltothesuccessful

implementationoftheHAFProgram.Tothisend,ADOHparticipatedinweeklyNationalCouncilofState

HousingAgency(NCSHA)HAFcalls,aswellasmetwithFannieMaerepstounderstandtheconcernsofthe

servicersandplanourimplementation.ADOHisprioritizingreinstatements,asrequestedbythemortgage

servicers.Reinstatementswillbeaquickprocesswherebythehomeownerappliesforassistance,theservicer

confirmstheforbearanceamount,andpaymentisprocessed.Similarstreamliningeffortsforotherassistance

willbeimplementedtoreducetheneedfortime‐consumingnegotiationssofundscanbedisbursedefficiently

andeffectively.Inaddition,ADOHwillmaintainconsistencyandpositiverelationshipsbyusingagreement

templatesdevelopedbytheNCSHAcollaborationandapprovedbyservicers.ADOHiscommittedtocontinuing

21

toparticipateinthecollaborations,communicatingwithmortgageservicers,andwilladjustprocessesatany

timeifneeded.



ExistingPilotProgram

ADOHhasimplementedapilotprogramwhereapplicationsforassistancearecurrentlybeingcollected;this

implementationbeganonNovember1,2021.AllbutoneArizonaCountyhasatleastoneapplication

submitted.ItwasanticipatedthatGreenleeCountyalsoknownastheMorenciMiningDistrict,wouldreceive

veryfewifno

applicationsforassistancebecausethemajorityofthelandisgovernmentowned.TheForest

Servicecontrols63.5percent;theBureauofLandManagementcontrols13.6percent;theStateofArizona

controls14.8;andindividualorcorporateownershipis8.1percent.TodateADOHhasdrawndownatotalof

$4,480,432.97oftheinitial10%paymentdisbursedtotheDepartmentandholdsabalanceof$15,218,000.93.

 HAFapplicationintakeportalislive(asof11/01/2021)

 ApplicationIntakeDashboardnumbersreportedasof11/23/2021:

 1722ApplicationsSubmitted

 1780ApplicationsInProcess

Budget

TheU.S.DepartmentofTreasuryallocated$196,984,339toArizonaundertheHomeownerAssistanceFund.

ADOHwillmakeeveryefforttodisbursethefundingquickly,within24months,topreventimminent

foreclosures.TheArizonaDepartmentofHousingisproposingthattheallocationbeappliedasfollows:



OMB Approved No.: 1505-0269

Expiration

Date: 10/31/2021

Reinstatement (RA) Payment Assistance Term Sheet

Criteria

Terms

Brief description

Provide funds to cover mortgage reinstatement to allow a homeowner reinstate a mortgage up

to 12 months in delinquency and/or to pay other housing-related costs related to a period of

forbearance, delinquency, or default.

Component will include Insurance Assistance Payment (homeowners, flood, and/or mortgage).

HAF Funds may be used to pay homeowner’s insurance, flood insurance, and/or mortgage

insurance that are not included in the homeowner’s monthly mortgage payment.

 Payment assistance for insurances will provide up to (1) annual homeowner's insurance

premium to assist homeowners maintain housing stability.

 This will apply when these property tax fees are not escrowed into the homeowner’s

monthly mortgage payment.

Maximum amount of assistance

per homeowner

Maximum Amount of Assistance:

 Maximum monthly assistance across all programs of $3,500

 Maximum $25,000 per household

Mortgage Reinstatement (RA):

 Maximum number of past due mortgage payments to be rescued is 12, which allows for

an additional 3 months of monthly mortgage payment assistance outside of

reinstatement.

Insurance Assistance Payment (Homeowners, Flood, and/or Mortgage):

 Up to (1) annual homeowner's insurance premium to assist homeowners maintain

housing stability.

− A Reverse Mortgage may be brought current for property charges, which

include, property taxes, homeowners hazard insurance premiums, flood

insurance premiums, condominium fees, and homeowners’ association fees.

 This will apply when these fees are not escrowed into the homeowner’s monthly

mortgage payment.

Homeowner eligibility criteria

and documentation

requirements

Same as General Eligibility Requirements Across All Programs plus

Homeowners are eligible to receive funding under if they

1. Attest that they experienced a financial hardship after January 21, 2020 associated with

the COVID-19 pandemic,

2. Provide income documentation and are found to be at or below 150% of Arizona’s Area

Median Income (AMI), and

3. Currently own and occupy a primary residence in Arizona (the applicant must own and

occupy the property that is seeking assistance).

Documentation requirements:

 Proof of identity, which may include a photo identification or other means of

identification through id.me

 Deed or Proof of Ownership

 Proof of Income

• Paystubs, W2s or other wage statements, IRS Form 1099s, tax filings,

depository institution (or bank) statements demonstrating regular income, or

an attestation from an employer

 Documentation or written explanation of financial hardship due to COVID-19.

 Mortgage Documents

 Third Party Authorization (for Servicer CDF Exchange)

Loan eligibility criteria specific

to the program

Delinquent by at least one payment, including any payments during a forbearance period.

Form of assistance

Assistance will be structured as a non-recourse grant.

Payment requirements

Payments will be made directly to the lender or servicer via electronic funds transfer.

OMB Approved No.: 1505-0269

Expiration

Date: 10/31/2021

Utility / Internet / Broadband (UI) Payment Assistance

Term Sheet

Criteria

Terms

Brief description

Provide funds to resolve delinquent payments for utility and/or internet access services.

Utility / Internet Payment Assistance will allow payment assistance for homeowner’s

utilities, including electric, gas, home energy, and water and payment assistance for

homeowner’s internet service, including broadband internet access service, as defined

in 47 CFR 8.1(b);

HAF funds may be used to pay delinquent amounts in full under circumstances in which

a delinquency threatens access to utility or internet services. The provided assistance

must bring the homeowner’s account current.

Funds may be used to pay prospective charges for up to the first 90 days following

approval if the homeowner is unable to make such payments and

1. Funds are not available from other utility assistance programs to cover these

amounts;

Maximum amount of

assistance per homeowner

Maximum Amount of Assistance:

 Maximum monthly assistance across all programs of $3,500

 Maximum $25,000 per household

Homeowner eligibility criteria

and documentation

requirements

Same as General Eligibility Requirements Across All Programs plus:

 Homeowner is at least one installment payment in arrears on one or more of

the following: utilities, such as electric, gas, garbage, home energy, and water

or internet service, including broadband internet access service.

 Assistance sufficient to resolve the delinquency is not available from other

utility assistance programs and, without HAF assistance, the homeowner is

likely to lose services

Documentation requirements:

 Proof of identity, which may include a photo identification or other means of

identification through id.me

 Deed or Proof of Ownership

 Proof of Income

• Paystubs, W2s or other wage statements, IRS Form 1099s, tax filings,

depository institution (or bank) statements demonstrating regular

income, or an attestation from an employer

 Attestation of financial hardship due to COVID-19.

 Utility and/or Internet Billings for each utility company if applying for utility

assistance

Loan eligibility criteria

specific to the program

Delinquent by at least one installment payment in arrears on one or more of the

following: utilities, such as electric, gas, garbage, home energy, and water or internet

service, including broadband internet access service.

Form of assistance

Assistance will be structured as a non-recourse grant.

Payment requirements

Funds will be paid directly to the utility provider, internet provider, or other applicable

third party authorized to collect eligible charge via check or electronic funds transfer.

OMB Approved No.: 1505-0269

Expiration

Date: 10/31/2021

Monthly Mortgage (MM) Payment Assistance

Term Sheet

Criteria

Terms

Brief description

Provide full monthly payment assistance to homeowners unable to make full mortgage

payments due to a continuing financial hardship associated with the Coronavirus pandemic.

HAF funds will allow a homeowner up to three (3) additional months outside of

reinstatement assistance of (12) full monthly mortgage payments.

 Monthly Mortgage assistance can be provided if not all funds have been expended

after Reinstatement and Utility/Internet/Broadband payment assistance.

 If not all (12) monthly payments under Reinstatement Assistance are used

homeowner can use the remaining payments under monthly mortgage assistance.

Maximum amount of

assistance per homeowner

Maximum Amount of Assistance:

 Maximum monthly assistance across all programs of $3,500

 Maximum $25,000 per household

Monthly Mortgage (MM):

 Maximum number of past due mortgage payments to be rescued is 12 which allows

for an additional 3 months of monthly mortgage payment assistance outside of

reinstatement.

 If not all (12) rescued Reinstatement payments are used under RA component

homeowner may use remaining payments for monthly mortgage assistance.

Homeowner eligibility criteria

and documentation

requirements

Same as General Property Eligibility Criteria Across All Programs plus

 Homeowner is delinquent by at least one payment, including any payments during

a forbearance period.

 Maximum number of past due mortgage payments to be rescued is 12 which allows

for an additional 3 months of monthly mortgage payment assistance outside of

reinstatement.

 If not all (12) rescued Reinstatement payments are used under RA component

homeowner may use remaining payments for monthly mortgage assistance.

Documentation requirements:

 Proof of identity, which may include a photo identification or other means of

identification through id.me

 Deed or Proof of Ownership

 Proof of Income

• Paystubs, W2s or other wage statements, IRS Form 1099s, tax filings,

depository institution (or bank) statements demonstrating regular income,

or an attestation from an employer

 Attestation of financial hardship due to COVID-19.

 Mortgage Documents



Third Party Authorization (for Servicer CDF Exchange)

Loan eligibility criteria specific

to the program

Delinquent by at least one payment, including any payments during a forbearance period.

Form of assistance

Assistance will be structured as a non-recourse grant.

Payment requirements

Payments will be made directly to the lender or servicer via electronic funds transfer.

OMB Approved No.: 1505-0269

Expiration

Date: 10/31/2021

Delinquent Property Tax (DPT) Payment Assistance

Term Sheet

Criteria

Terms

Brief description

Provide up to three (3) years of delinquent property tax payment assistance to prevent

homeowner from tax foreclosure. This will apply when the property tax is not escrowed

into the homeowner’s monthly mortgage payment.

Maximum amount of

assistance per homeowner

Maximum Amount of Assistance $25,000 per household

Homeowner eligibility criteria

and documentation

requirements

Same as General Property Eligibility Criteria Across All Programs plus

Additional Mortgage Type:

 Reverse Mortgages

Documentation requirements:

 Proof of identity, which may include a photo identification or other means of

identification through id.me

 Deed or Proof of Ownership

 Proof of Income

• Paystubs, W2s or other wage statements, IRS Form 1099s, tax filings,

depository institution (or bank) statements demonstrating regular

income, or an attestation from an employer

 Attestation of financial hardship due to COVID-19.

 Mortgage Documentation



Property Tax Statement

Loan eligibility criteria

specific to the program

Delinquent by at least one installment but not to exceed three (3) years / six (6)

installments of delinquent property taxes.

 Will apply when property taxes are not escrowed into the homeowner’s

monthly mortgage payment.

 Will apply when there are property tax delinquencies for applicants with

Reverse Mortgages.

Form of assistance

Assistance will be structured as a non-recourse grant.

Payment requirements

Funds will be paid directly to the County Treasurer’s office or applicable third party

authorized to collect eligible charges via check or electronic funds transfer.

OMB Approved No.: 1505-0269

Expiration

Date: 10/31/2021

Association Fees & Lien (AFL) Payment Assistance

Term Sheet

Criteria

Terms

Brief description

Association Fee & Lien Assistance will allow payment assistance of one (1) annual

premium for homeowner’s association fees or liens, condominium association fees, or

common charges. This will apply when association and/or lien fees are delinquent

enough that there is a risk of displacement of an eligible homeowner.

Homeowner Association liens or fees, Condominium Association liens or fees, or

common charges, and similar costs payable under a unit occupancy agreement by a

resident member/shareholder in a cooperative housing development may be

determined to be an eligible housing cost if there is a risk of displacement of an eligible

homeowner.

Maximum amount of

assistance per homeowner

Maximum Amount of Assistance is $25,000 per household

Homeowner eligibility criteria

and documentation

requirements

Same as General Property Eligibility Criteria Across All Programs plus:

Documentation requirements:

 Proof of identity, which may include a photo identification or other means of

identification through id.me

 Deed or Proof of Ownership

 Proof of Income

• Paystubs, W2s or other wage statements, IRS Form 1099s, tax filings,

depository institution (or bank) statements demonstrating regular

income, or an attestation from an employer

 Attestation of financial hardship due to COVID-19.

 Billing Statement from:

• Homeowner Association

• Condominium Association

•

Cooperative Housing Development

Loan eligibility criteria

specific to the program

Allow payment assistance of one (1) annual premium for homeowner’s association fees

or liens, condominium association fees, or common charges.

This will apply when association and/or lien fees are delinquent enough that there is a

risk of displacement of an eligible homeowner.

Form of assistance

Assistance will be structured as a non-recourse grant.

Payment requirements

Funds will be paid directly to the Condominium, Homeowner’s Association, Cooperative

Housing Development or applicable third party authorized to collect eligible charges via

check or electronic transfer.

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hour per response. Comments concerning the accuracy of this burden estimate and suggestions for reducing this burden should be directed to the Office of Privacy,

Transparency and Records, Department of the Treasury, 1500 Pennsylvania Ave., N.W., Washington, D.C. 20220. DO NOT send the form to this address. An agency may

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