NAVAJO HOMEOWNER ASSISTANCE FUND
The portal is now closed. We have received 100 applications for the month of April. The portal will open again on May 27, 2024.
Application review will start after all required documents are received with a completed application.
Please gather these documents to submit your application.
News You Can Use
Monthly Mortgage Payment Assistance will assist with the amount over 21% of monthly gross income.
Example:
Monthly Income = $1,000 x 21% = $210
Monthly Payment = $310
$310 – $210 = $100 amount of assistance
We have started the Nov/Dec application reviews for the Home Repair Assistance. Please allow 4-6 weeks for initial contact.
Home Repair Assistance in AZ, CO, NM, UT is available up to $100,000. All other states, Home Repair Assistance is limited to $49,999.
Accepting applications for all states throughout the U.S.
What is the Navajo Homeowner Assistance Fund?
The Navajo Homeowner Assistance Fund (NHAF) is made possible with federal stimulus funds and the Biden Administration. The funds shall be offered to eligible applicants with a demonstrated need to maintain homeownership. The funding shall be deployed over a three-year period ending on September 30, 2026 and with priority to Navajo homeowners most affected by the COVID pandemic.
Most asked questions from the Live Q&A (3/11/24)Getting Started
Step 1 – Gather the documentation listed Here.
Step 2 – Register
Step 3 – Login to start the application and upload your documents.
Step 4 – Submit your application – the application is not submitted until you click on the submit tab after completing the application.
Applicants must meet the basic NHAF eligibility requirements before being considered for any NHAF assistance programs listed below. Programs and grant assistance amounts may be subject to change or be discontinued at any time.
NHAF Program Period is January 21, 2020 through September 30, 2026
Total Gross Household Income means all household income from anyone residing in the household.
Which Programs to Apply For?
Primary Mortgage Principal Reduction Assistance (MPRA) Program:
(eligible for up to $100,000 depending on age – per applicant household):
(a) Has there been a “permanent” (definition below) reduction in total gross household income of at least 20% for homeowner(s) listed on the mortgage during the NHAF Program Period?
OR
(b) Was there a “permanent” (definition below) reduction in total gross household income of at least 20%, for homeowner(s) listed on the mortgage which occurred prior to January 21, 2020, and continued after that date?
Permanent means:
(1) There is proof at least one homeowner listed on the mortgage was retired during the NHAF Program Period.
OR
(2) The income reduction for at least one homeowner listed on the mortgage lasted for at least the past 12 months immediately preceding the application date.
If Yes to either (a) or (b), then Apply for MPRA.
If No, then Stop. You are not eligible for Primary MPRA.
Applicants 55 years or older = Eligible for up to $100,000
Applicants under 55 years old = Eligible for up to $50,000
Secondary Mortgage Principal Reduction Assistance (MPRA) Program:
(eligible for up to $50,000 regardless of age – per applicant household):
Was there a reduction in the total gross household income of at least 20% for at least 12 consecutive months for homeowner(s) listed on the mortgage anytime during the NHAF Program Period?
If Yes, then Apply for MPRA
If No, then Stop. You are not eligible for Secondary MPRA.
Monthly Mortgage Payment Assistance (MMPA) Program:
(eligible for up to $72,000 per applicant household; however, assistance will not extend beyond September 30, 2026)
Is your mortgage payment more than 21% of your gross monthly household income?
Example:
If gross monthly household income = $5,000 Then 21% of $5,000 is $1,050.
If monthly mortgage payment = $1,575
Then MMPA would be $525 ($1,575 minus $1,050).
If Yes, then Apply for MMPA.
If No, then Stop. You are not eligible.
Mortgage Reinstatement Assistance (MRA) Program:
(eligible for up to $50,000 per applicant household)
Are you past due on your mortgage payment(s). This includes HOA fees and/or property taxes?
OR
Do you have a deferred balance or partial claim?
If Yes to either, then Apply for MRA.
If No to both, then Stop. You are not eligible.
Payments do not have to be currently past due to be eligible for assistance to pay off any deferred balance or partial claim.
Home Repair Assistance (HRA) Program:
This program is not for cosmetic repairs or upgrades. The repairs must be necessary meaning you will be displaced from your home if the repairs or improvements are not made.
Is your primary residence in AZ, CO, NM, UT?
If Yes, then maximum assistance could be up to $100,000. Assistance under $50,000 will be grant assistance. Assistance of $50,000 or more will be in the form of a forgivable 2-year loan.
If No, the maximum assistance for all other states is limited to $49,999. This assistance will be grant assistance.
Next HRA questions to answer:
(a) If these repairs are not made, will you or any family members residing in your home possibly be displaced from your home due to safety or other habitability concerns?
OR
(b) Is there a reasonable need for a room addition or modification to alleviate overcrowding or to address a health and/or safety issue?
If Yes to either question (a) or (b), then Apply for HRA.
If No to both, then Stop. You are not eligible.
Clear Title Assistance (CTA) Program:
(eligible for up to $30,000 per applicant household)
Do you need to obtain a clear title to your home but are not able to pay the fees to start and finish the process to do so?
If Yes, then Apply for CTA.
If No, then Stop. You are not eligible.
Basic Eligibility Requirements
All requirements must be supported with proper documentation
- Applicant must be an enrolled member of the Navajo Nation with ownership interest in the property (on the deed of trust for Fee Simple property)
- Must be applicant’s primary residence
- Evidence of homeownership on tribal or individually held trust lands may be (any of the following)
- Household income must be less than 150% of HAF program limits. Check HAF Income Limits.
- Homeowners must have a financial hardship after January 21, 2020
HAF Program Definition of Financial Hardship
It must be determined a homeowner’s hardship is associated with the coronavirus pandemic.
Financial hardship means a material reduction in income or material increase in living expenses associated with the coronavirus pandemic that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure, loss of utilities or home energy services, or displacement for a homeowner.
The more complete your information and documentation received upfront, the quicker your application can be processed.
What is the Process?
- Gather the documentation listed Here
- Register when the portal is open
- Complete the application and upload the required documentation
- Once you submit the application, you will receive an email confirmation of your submission
- An introductory email will be sent from your processor within 45 days
- Your application and documentation will be reviewed within 20 days after the introductory email
- Your processor will request missing items or additional information and documentation
- You will have 10 days to send the requested documentation
- Once received, your file will be put back in line to be reviewed
- If all requested items and documentation has not been received, a second request will be made and you will have 7 days to provide the requested documents.
- If we have not received everything requested within the 7 days, your application will be closed as incomplete.
- If all requested documents have been received, your file will be submitted to QA and reviewed within 30 days.
- Any items needed after QA review, will be requested
- 3 business days will be given to send any items needed
- Once items are received, your file will be put back in line for final QA review
- After QA review and all information and documentation has been received, your file will be submitted to the funding team and reviewed within 30 days.
- Funding will review the necessary documentation to fund your request
- You will receive confirmation of your approval and funding
The processing and review days are approximate and will vary based on completeness of submitted applications and documentation. The more complete the applications and documentation received upfront, the quicker the applications can be processed.
Application Portal Opening Dates
The application portal is scheduled to open on the following dates:
Saturday | March 23, 2024 |
Monday | April 29, 2024 |
Monday | May 27, 2024 |
Monday | June 24, 2024 |
Monday | July 29, 2024 |
Monday | August 26, 2024 |
Monday | September 30, 2024 |
Monday | October 28, 2024 |
Monday | November 25, 2024 |
Monday | December 30, 2024 |
Each month, once we receive 100 applications the portal will pause and access to your application will no longer be available until the next month when the application portal re-opens.