Homeowner Mortgage Assistance is here!
Need help with past due mortgage, tax, insurance, or HOA payments? Apply online at TexasHomeownerAssistance.com
The Homeowner Assistance Fund (HAF) was established under the American Rescue Plan Act of 2021 to ease financial hardships associated with the COVID-19 pandemic.
HAF provides assistance to eligible homeowners to help avoid mortgage delinquencies, defaults, foreclosures, and help prevent the displacement of homeowners experiencing financial hardship after January 21, 2020. The U.S. Department of the Treasury (Treasury) has posted guidance on HAF at https://home.treasury.gov/system/files/136/HAF-Guidance.pdf.
The Texas Department of Housing and Community Affairs (TDHCA) will administer $842,214,006 under HAF.
This new mortgage assistance program is currently taking applications statewide as of 3/2/2022.
Join TDHCA email list for program announcements and to learn when the application portal opens.
TDHCA’s TXHAF plan has been approved by the US Treasury.
Steps you can take today
- Understand your mortgage
Relief options are determined by your mortgage type. - Contact your loan servicer to learn what is available to you and what documents you need.
Even federally backed loans require the process of forbearance to start with your loan servicer, which is the company to which you submit your payment each month. - Contact your closest Housing Counseling Agency for additional guidance and budgeting.
- Find a HUD certified Housing Counseling Agency near you
- Texas Homebuyer Program Counselors (TheTexasHomeBuyerProgram.com)
- https://www.consumerfinance.gov/find-a-housing-counselor/
Guidance on forbearance comes at no cost to you!
Texas Homeowners Assistance Fund Intake Centers, Housing Counseling Services and Legal Services NOFA and Application
TDHCA is pleased to announce a Notice of Funding Availability (NOFA) of $12,700,000 funds for Private Nonprofit Organizations with 501(c) status, Public Housing Authorities, Units of General Local Government, and Regional Councils of Governments who are proposing to serve as intake centers providing application assistance, legal services, and/or housing counseling services to homeowners. Applications are due Thursday, December 15, 2022.
Attachments are posted separately at https://www.tdhca.state.tx.us/HAF-Announcement.htm as fillable MS Excel documents (XLSX).
- Attachment A: Applicant Information Form
- Attachment B: Audit Information
- Attachment C: Budget
- Attachment D: Uniform Previous Participation Information
Subrecipient Activities
Program Guidance and Regulations
- Onboarding Manual (DOCX)
- 2 CFR Part 200 (OMB Super Circular) (ecfr.gov)
- Texas Grant Management Standards (TxGMS) (for Units of Government) (State Comptroller's website)
- Texas Administrative Code: Title 10, Part 1, Chapters 1 and 2 (Secretary of State website)
- Weekly Virtual Forum: Toll Free Number: (877) 226-9790/Access Code 9197757#
- Mortgage Relief Webinar for Intake Centers and Housing Counselors on Homeowner Representative Applications (Yardi.Zoom.com; Passcode jNkB3+*t)
Mandatory Onboarding Training
- Training 1, Program Overview Video (YouTube.com)
- Training 1, PowerPoint Slides (PDF)
- Training 2, HCS Introduction Video (YouTube.com)
- Training 2, PowerPoint Slides (PDF)
- Training 3, Fraud Video (YouTube.com)
- Training 3, Power Point Slides (PDF)
Program Forms
- Housing Contract System Access Request Form for HFSA (PDF)
- Direct Deposit Information Form (PDF)
- Taxpayer Identification Number (TIN) Form (PDF)
- Application Flow Chart (PDF)
- Onboarding Checklist (DOCX)
- TXHAF Applicant Success Checklist (English) (PDF) | TXHAF Applicant Success Checklist (Spanish) (PDF)
- Forms & Resources | Texas Homeowner Assistance
- Housing Counselors – Texas Homeowner Assistance
- Frequently Asked Questions – Texas Homeowner Assistance
Resources
- Outreach Tool Kit (Dropbox)
- Locate Housing Counselor (To be announced)
- Locate Legal Services (To be announced)
- Portal Help Center (To be announced)
- Subrecipient Frequently Asked Questions (PDF) – updated November 14, 2022
Monthly Performance and Expenditure Reporting
- Monthly Performance Report (Created in Housing Contract system)
- Monthly Supplemental Report (XLSX) (September 2022)
Subscribe to E-mail Lists
For more Subrecipient Activities information, please contact txhfsa@tdhca.state.tx.us
More helpful sites:
- https://www.makinghomeaffordable.gov/
- https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/
- https://www.hud.gov/topics/avoiding_foreclosure
- https://www.fhfa.gov/Homeownersbuyer/MortgageAssistance/Pages/Coronavirus-Assistance-Information.aspx
- https://www.nhlp.org/covid/homeowner-protection-and-resources/
