Applicant must meet the following criteria:

• Must be a homeowner
• Must be a US citizen or show proof of green card
• Must currently own and occupy the property as their primary residence
• Must have experienced a COVID-19 qualified financial hardship, which is defined as "a material reduction in income or material increase in living expenses associated with the coronavirus pandemic, occurring after January 21, 2020, that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, or displacement for a homeowner"
• Must be delinquent by at least one mortgage payment
• Homeowner must meet the program’s income eligibility requirements, which are defined as:
  • Household income equal to or less than 100% of the Area Median Income (AMI) for their county or household income equal to or less than 100% of the U.S. Area Median Income (AMI), whichever is greater
  • Household income equal to or less than 100% of the U.S. Area Median Income (AMI) or less than 150% of the county area median income for homeowners classified as socially disadvantaged
• Assistance cannot duplicate assistance provided by other programs
• Property must be owned by a “natural person” (i.e., LLP, LP or LLC do not qualify).
  • Non-incorporated living trusts are eligible

Eligible Property Types:

Primary residence including:

• Single-family home

• Condominium unit

• Duplex

• One-to-four-unit dwelling

• Manufactured home permanently affixed

Ineligible Property Types:

Manufactured home not permanently affixed

Non-primary residence including:

• Vacant or abandoned home

• Second home

• Investment property

Because the purpose of HAF is to cure mortgage delinquency and prevent foreclosure and displacement, if your loan modification includes a cure to your mortgage delinquency and makes your loan status current, you cannot also receive HAF funds to resolve the same delinquency.

Homeowners will be eligible for up to $35,000 in total assistance for their primary residence.  Funds may be used to:

• Eliminate or reduce past due mortgage payments, including escrow items and payments under a forbearance plan
• Provide up to six months of forward mortgage payments
• Pay for non-escrowed property taxes, insurance, HOA and condominiums fees that are delinquent

• HAF application
• Borrower Authorization
• W-9
• Qualifying COVID-19 hardship attestation from homeowner identifying and certifying the eligible hardship and that it occurred after January 21, 2020
• Mortgage statement for each mortgage (first and subordinate)
• Proof of primary residence (e.g., recent utility bill, driver’s license, etc.)
• Current Government issued Photo ID
• Valid social security card issued by the Social Security Administration, or an original document issued by a federal or state government agency which contains the SSN
• Attestation certifying socially disadvantaged status, if applicable
• Proof of court ordered discharge or dismissal if bankruptcy has been filed within the last three years
• Income documentation for all household members 18 and older may be required, including:
  • current paystubs covering 60 days
  • pages 1 and 2 of the most recently filed federal tax returns with W2’s
  • alternative income documents, as applicable

Once your application is approved, payment will be sent to your requested provider(s).

Payments made to homeowners under HAF are not considered gross income for federal tax purposes.  Instead, they qualify as disaster relief payments.  Beneficiaries will not have to pay taxes on qualified assistance received through HAF.

You may only apply for assistance with your primary residence and you must occupy the property.

The Homeowner Assistance Fund is made available through the American Rescue Plan Act, which was enacted May 11, 2021.  Oklahoma Housing Finance Agency (OHFA) and the US Department of Treasury developed eligibility requirements for the program and OHFA is responsible for disbursing funds to approved mortgage servicers and entities for eligible applicants in Oklahoma.