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.

Initially, the Navajo Homeowners Assistance Fund was restricted to homeowners outside the Navajo Nation, only in AZ, NM, CO, and UT. But, on March 29, 2024, President Dr. Buu Nygren approved the program changes necessary to assist members of the Navajo Nation in all 50 states, on and off tribal trust lands (the Navajo Nation). We thank the members of the Navajo Nation for your advocacy and the OPVP for an affirmative response and action to benefit a more inclusive group of NHAF fund recipients.

Yes, the Navajo Homeowner Assistance Fund, is made possible due to section 3206 of the American Rescue Plan Act of 2021 (the ARP). According to the ARP, the Navajo Homeowner Assistance Fund is one of many similar state programs that shall mitigate financial hardships associated with the coronavirus pandemic to homeowners experiencing financial hardship after January 21, 2020 for qualified homeowner expenses.

Therefore, as part of applying for the Navajo Homeowner Assistance Fund, homeowners must attest that they experienced financial hardship after January 21, 2020. The attestation must describe the nature of the financial hardship (some examples include job loss, reduction in income, increased household costs due to healthcare expenses or the need to care for a family member). A hardship also includes overcrowding in the home or a situation that may prevent the home from being habitable. A room addition might be justified if there’s overcrowding contributing to the potential transmission of the coronavirus. Other home repairs (not cosmetic) are justified if the home requires any major repairs to keep the home habitable and safe through this continuing 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.

We’ve posted and will continue to post upcoming open application portal dates on our Navajo
HAF web page.

When the application portal is paused after receiving 100 applications each month, access to
the portal is closed. However, if your application has been submitted and you need to submit
additional documents, your assigned Document Processor will provide you with instructions on
where to send the documents. We will continue to open the application portal each month to
100 new applicants.

We will be adding new information about the assistance programs available. We will also post
information on upcoming outreach events. We will start hosting Facebook Live events again
during the lunch hour (11:00 AM to 1:00 PM Phoenix time) to respond to any questions,
concerns and constructive criticism. We plan to be more intentional about providing greater
access to our staff through these Facebook LIVE events and planned outreach events.

It certainly is now possible to receive an approval decision within 60 days if you submit a
complete application with all requested documents unless you’re applying for Home Repair
assistance. At the moment, Home Repair approvals are taking longer (90-120 days).
Admittedly, it has taken us, on average, about 90 days to decision most applications which were
submitted prior to January 1st. Since accepting the first round of applications back in late
November and December, we’ve developed and refined our internal application processing
systems. These improvements will now allow us to decision applications faster. We thank
everyone for their patience and understanding as we continue to reduce processing timeframes
and expedite assistance decisions.

Many more Navajo families live outside of the Navajo Nation than on the tribe’s lands. Navajo families have worked hard to establish homes away from Dinétah to pursue higher education, to secure employment, and other opportunities not yet available on our homelands. Yet, Navajo families have been affected more severely by the COVID pandemic than the general population. As a result, the accomplishment of Navajo homeownership has been affected.

The Office of the President and Vice-President recognize the sacrifices Navajo families have made to provide for their immediate and extended families by establishing homeownership in urban areas and such accomplishments must be preserved.

Can a Manufactured Home Be Real Property? The short answer is yes. The long answer is: it depends. That’s because a manufactured home must comply with certain requirements in order to be considered real property. Since the process of classifying a manufactured home as real property varies by state and local jurisdictions, the local governments have developed specific statutes that set forth the procedures for classifying a manufactured home as real property.

For example, in Maricopa County: An Affidavit of Affixture changes the status of a manufactured/mobile home from personal property to real property. In order to affix a manufactured/mobile home an Affidavit of Affixture must be filed in the county where the manufactured/mobile home is located. Department of Revenue Form 82528.

Treasury HAF Guidance document June 12, 2023 states: “Mortgage means any credit transaction (1) that is secured by a mortgage, deed of trust, or other consensual security interest on a principal residence of a borrower that is (a) a one- to four-unit dwelling, or (b) a residential real property that includes a one- to four-unit dwelling; and (2) the unpaid principal balance of which was, at the time of origination, not more than the conforming loan limit. A reverse mortgage, a loan secured by a manufactured home, or a contract for deed (also known as a land contract) may fall within this definition if it satisfies the criteria in this paragraph, in accordance with applicable state law.”

The simplest way to know for sure if your manufactured home is eligible is that manufactured homes considered personal property are registered with Department of Motor Vehicles and not with the County Tax Assessor who taxes real property. If not registered with the County Tax Assessor, it is not eligible.

Yes, per the federal regulations governing these funds, the Navajo Homeowner Assistance Fund is an income restricted program. However, where most federally funded programs are restricted to low- and very-low income households, the Navajo Homeowner Assistance Fund allows medium-income and higher-income Navajo homeowners to receive financial relief.

As an example, a family of four in Maricopa County in Arizona earning as much as $140,250 a year may still be eligible for the tax-free, non-repayable funds to pay their mortgage or repair their homes. The income eligibility calculation will vary depending on the county in which you reside and other factors specific to your household. Speak with one of NCC’s licensed professionals to learn what limits may apply to your household.

This LINK shall be referenced in calculating eligibility.

There are no fees or charges necessary to apply to the Navajo Homeowner Assistance Fund.

Native Community Capital is a tax-exempt, not-for-profit, Native Community Development Financial Institution (CDFI) certified by the U.S. Department of the Treasury. NCC is a licensed mortgage lender serving American Indian homebuyers. NCC serves as a lender and honest broker to unlock the capital needed to build tribal economies and has been selected by the Navajo Office of the President and Vice-President to manage the Navajo Homeowner Assistance Fund.

NMLS 1950947 Mortgage Banker 1012372

Yes, NCC is aware that the 25th Navajo Nation Council announced the appointment of a Special Prosecutor to review the Navajo Nation Executive Branch’s contracting activities. Although NCC is not under investigation, NCC is referenced as having a subcontract with the Navajo Nation. NCC respects this process and will cooperate fully with any lawful review. For additional details see NCC’s official public statement on the matter HERE.

The time for receiving a decision on whether your application will be funded is different for
everyone. The approval process is quicker for applicants who submit complete applications with
all requested documents, but it can be slower for applicants who don’t do this. Therefore, the
amount of time it takes to process your application depends on how responsive you are when
we require additional follow up information or documentation.

The home repair forgivable loan program is available now to Arizona, New Mexico and Colorado
homeowners. We are waiting for residential mortgage loan licensing approval from the state of
Utah. We anticipate that we will be able to offer this program to Utah homeowners by mid-April.
Because this is a very popular program, a dedicated Project Manager and Loan Processor will
be handling the backlog of applications already received for this program. It will take us 90 to
120 days from the application date to decision these applications. Because this program
requires contractor quotes and verification of a contractor’s licensing credentials, it’s a little more
time consuming to fully process an application.