UP TO $35,000
COVID-19 RELIEF FOR
DELINQUENT HOMEOWNERS

OKLAHOMA HOMEOWNER ASSISTANCE FUND

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The Oklahoma Homeowner Assistance Fund (HAF) is made available through the American Rescue Plan Act. HAF provides financial assistance on behalf of homeowners who have experienced a significant financial hardship due to COVID-19.

Eligible expenses to be paid with HAF funds include mortgage reinstatement, principal reduction, payment toward a partial claim or deferral, delinquent real estate taxes, restoration of homeowner’s insurance, and delinquent Homeowners Association dues.

Eligibility Guidelines

Eligible Applicants

Eligible applicants must meet all of the following criteria:

Homeowners in Oklahoma who occupy the property as their primary residence
Home cannot be listed for sale by homeowner
Homeowner must be able to sustain the home after receiving HAF assistance
Homeowners who have experienced a COVID-19 qualified financial hardship after January 21, 2020
.Homeowners applying for mortgage assistance must be 30 days delinquent, in a forbearance plan, or entering or completed a loan modification, including a partial claim or deferral mortgage amount, to mitigate the COVID-related delinquency
Homeowners who have completed a loan modification due to COVID-related delinquency may be eligible to receive a principal reduction
Homeowners who are United States citizens or those who can show proof of a green card
Homeowners who are delinquent on eligible expenses, including:
- Reinstatement of delinquent mortgage
- Mortgage payment assistance for reinstated homeowners
- Delinquent property tax
- Restoring canceled homeowner’s insurance
- Delinquent Homeowners Association (HOA) Dues
Homeowners who are at or below 100% of the Area Median Income or homeowners who are socially disadvantaged and are at or below 150% of the Area Median Income
Eligible mortgages must be secured by an instrument of government or government-sponsored entity or financed by a nonprofit, bank, credit union, or mortgage company that adheres to the widely accepted mortgage lending and mortgage servicing practices monitored by the Consumer Federal Protection Bureau or a builder-financed mortgage loan or manufactured home retail financing entity.
- Excluded mortgages include seller-financed transactions, rent-to-own transactions, and family-financed transactions.

Socially Disadvantaged Definition

Homeowners who are socially disadvantaged may qualify if they are at or below 150% of the Area Median Income. Socially Disadvantaged indicators include the following:

Member of a group that has been subjected to racial or ethnic prejudice or cultural bias within American Society: African American, Hispanic/Latino, Native American, LGBTQ+,
First-generation homeowner
A resident of a minority-majority census tract
Individuals with limited English proficiency
A resident of a US Territory, Indian reservation, or Hawaiian Home Land
An 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.Oklahoma Persistent Poverty Counties include: Adair, Caddo, Cherokee, Choctaw, Greer, Harmon, Haskell, Hughes, Johnston, McCurtain, Okfuskee, Payne, Pushmataha, Seminole, Sequoyah, and Tillman

Eligible Expenses

Eligible Mortgages

Eligible mortgages must be secured by an instrument of government or government-sponsored entity or financed by a nonprofit, bank, credit union, or mortgage company that adheres to the widely accepted mortgage lending and mortgage servicing practices monitored by the Consumer Federal Protection Bureau or a builder-financed mortgage loan or manufactured home retail financing entity.

Excluded mortgages include seller-financed transactions, rent-to-own transactions, and family-financed transactions.

Mortgage Loan amount cannot exceed the conforming loan limit for the loan type in the year of loan origination.

Homeowner Assistance Fund Income Limits

Prepare to Complete an Online Application

It could take 45 minutes or longer to complete an online application for the Homeowner Assistance Fund. Remember to save the password you create. The application may be saved so it can be finished at a later time.

Gather these documents prior to beginning the application process.
Be prepared to scan and upload documents.

Identification

Photo identification of homeowner(s)
Social Security cards for all household members

Apply for Assistance

Financial Documents
(for household members over the age of 18)

First two pages of the most recent Federal tax return
60 days of pay stubs
Most recent W-2s
Most recent mortgage statement
Most recent County Assessor property tax statement (if requesting assistance to pay non-escrowed tax delinquency)
Most recent insurance statement (if requesting assistance to pay non-escrowed delinquency)
Most recent Homeowner’s Association statement (if requesting assistance to pay HOA or condominium dues)