The Oregon Homeowner Assistance Fund (HAF) program is open to applicants who qualify for Phase 3, according to Oregon Housing and Community Services.
This is a temporary federal COVID-19 emergency mortgage program designed to support homeowners who have experienced serious financial hardship as a result of the pandemic. It provides financing for delinquent mortgages and other housing costs to a limited number of low-income homeowners.
OHCS helps homeowners at risk of losing their home in a phased approach. During phases 1 and 2, it targeted homeowners who were most at risk from foreclosure or who had the fewest options. Program staff will continue to process applications that have already been submitted in phases 1 and 2. Information on suitability for the different phases is available on the HAF website.
While homeowners eligible for Phases 1 and 2 will continue to serve, Phase 3 will expand HAF support to homeowners who have traditionally been understaffed or less able to recover, including those who:
- Living with a disability (with proof of benefits)
- National, as determined by zip code
- Socially disadvantaged individuals (defined by the United States Department of the Treasury), including black, indigenous, and colored people, as well as members of federally recognized tribes
- Limited English proficiency (English is not the applicant’s primary language)
- Restoration of property damage or destruction caused by a natural disaster (with proof of benefits)
- Homeowners with mortgages where the U.S. Department of Housing and Urban Development (HUD) is the beneficiary. This is a very rare situation where HUD has taken over a loan that has defaulted. Homeowners should talk to a housing adviser to determine if this is their loan.
Homeowners who have not applied and are eligible can now find a new application link on the oregonhomeownerassistance.org website.
Homeowners who qualify for Phase 1 or 2 can now apply via the same link if they have not previously applied. If homeowners need assistance with their application, the HAF website lists the application’s admissions program’s help partners who can assist homeowners with online, paper, in-person or limited English proficiency applications.
Homeowners with additional questions about HAF can visit the website or call 833-604-0879.
Phase 4, which will apply to all other eligible applicants if funding is still available, will open on a date to be determined.
HAF funding is limited. The state gives priority to Oregon households most at risk of foreclosure. Once the $90 million in funding provided by the US Treasury Department is gone, the program will be terminated. Even if homeowners qualify, there is no guarantee that their application will be funded.
Other mortgage relief programs are available if homeowners do not meet the HAF eligibility criteria. Homeowners should contact a housing adviser, mortgage adviser, or 211 for more options.