Homeowner Assistance Fund Mortgage Assistance Frequently Asked Questions

No citizenship requirement

Do I have to be a US citizen?

What if my family is an illegal immigrant?

No, you don’t have to be a US citizen to qualify. We do not track your or your family’s citizenship or immigration status.

Privacy and confidentiality

How will you ensure my personal information is secure and confidential? Will my name be placed on government lists? Will I be signed up for other government programs? Share or sell with someone else?

The Hotline and Counselors do not sell or share your personally identifiable information with other governmental, public or private entities. Applications for federal HAF funding are private and secure, but some limited information may be subject to public records requests. Throughout the process, you will never be asked to provide your or your family’s citizenship or immigration status.


How can I get help?

Help is currently available through the Washington Homeowners Hotline at 1-877-894-4663.

When is the hotline open?

Monday through Friday from 8:00 am to 5:00 pm PST. If you call outside business hours, please leave a message. A hotline representative will call you back.Or request a call back WashingtonHAF.org.

Is help available in languages ​​other than English?

Yes! Hotline help is available in over 220 languages.

Who are housing counselors and why should I trust them?

Over the years, housing counselors have been an important part of Washington State’s network of nonprofit organizations dedicated to helping homeowners with free and fair assistance. Their job is to advocate for you and help you find a solution to keep you at home and bring about the best possible outcome for your situation.


What is the HAF program? for whom?

The Washington State Homeowner Assistance Fund provides personal assistance and federal relief funds (up to $60,000 per household) to eligible Washington homeowners who are behind on their mortgages due to the hardships of the pandemic.

I have seen confusing information about the HAF program online and on social media. How do you know what is true and correct?

Unfortunately, there is a lot of misinformation about this program on the internet, especially from scammers who want access to HAF funds. Also, his HAF programs in other states have different guidelines and funding limits than his HAF in Washington. Call the Homeowners Hotline at 1-877-894-4663 for help and accurate information specific to Washington state homeowners.

How much money can you earn?

Homeowners are eligible for subsidies of up to $60,000, depending on their circumstances. A housing counselor will assess your needs and help you apply.

where does the money come from?

Funding for HAF will come from the U.S. Department of the Treasury as part of the American Relief Plan Act (ARPA) passed by Congress in 2021.

What kind of assistance does the program provide?

HAF connects you with a housing counselor who can provide free, confidential support and many options for preventing foreclosure, including access to federal funds if needed. Call our hotline at 1-877-894-4663 for a free assessment and referral to a housing counselor in your area.

What is the Washington State Housing Finance Commission (WSHFC)?

We are an independent state agency dedicated to improving housing access and affordability for the people of Washington since 1983. The Commission administers the state’s federal HAF program and oversees a statewide network of nonprofit housing counseling agencies.

Funding and eligibility

Who can apply for funding? How can I check if I am eligible?

Washington state homeowners can get support through a hotline. Eligibility for HAF funding is based on a variety of factors, including the difficulty of the pandemic. Call the hotline at 1-877-894-4663 and your housing counselor will help you determine what help will be most helpful.

What is a “pandemic affliction”?

The HAF program takes into account a range of experiences that are evaluated on a case-by-case basis. Call our hotline at 1-877-894-4663 to help you through the process and get the best possible results.

Do I have to live in my own property to receive assistance? What if I own a rental property or a second home?

Yes, you must live in the property and it must be 4 units or less. However, please call our hotline at 1-877-894-4663 to see if other support is available.

If I have a COVID-19 loan modification, am I eligible?

Changing your loan does not make you ineligible for assistance. Call the hotline at 1-877-894-4663 to help a counselor determine your eligibility. https://bit.ly/Yakima Herald-HAF

Can the program cover future mortgage payments?

No. The Washington HAF program can try to keep your housing-related bills up-to-date and negotiate more affordable mortgage payments in the future, but it does provide funding for future mortgage payments. not.

I recently lost my home to foreclosure and didn’t know about this program. Is it too late? Can I apply for these funds retroactively?

Unfortunately, post foreclosure homeowners are not eligible for the HAF program. We encourage you to call our hotline at 1-877-894-4663 to pave the way for your future home ownership.

application process

How do I apply? Can someone help me apply?

Call the Washington Homeowners Hotline at 1-877-894-4663. A housing counselor will support you every step of the way, including your HAF application.

Is there a cost to apply?

No. The program and application are completely free.

What types of materials are required for the application process?

Various documents related to mortgages and household finances are required. A housing counselor can help you determine what you need for your situation.

Can I apply for HAF myself? Yes, if you need it for less than $15,000 wahafportal.org.

However, we strongly recommend that you contact our hotline at 1-877-894-4663 for assistance from a housing counselor. A housing counselor will assist you with your application and ensure that you are properly evaluated for all potential assistance programs, including access to the maximum benefits of her HAF program.

Fund allocation

Are the funds available immediately?

Funding is available now. Whatever the situation, call our hotline now at 1-877-894-4663 to start the process. https://bit.ly/Yakima Herald-HAF

What can the funds be used for?

HAF funds can cover mortgage reinstatement, mortgage repayment reductions, interest rate reductions, home-related insurance, homeowners association fees or liens, delinquent property taxes, and more.

How will I receive my money if I qualify?

You don’t get paid directly. If you qualify for financial assistance, the program will issue payments to entities you owe money to, such as banks, insurance companies, tax collectors and homeowners associations.

is this a loan? do i have to return the money?

No, HAF assistance is not a loan. Funds are issued to creditors to solve your financial difficulties.

How soon will the money be distributed after I apply?

It depends on various factors. The sooner you call our hotline at 1-877-894-4663, the sooner we can help. https://bit.ly/Yakima Herald-HAF

It is already in foreclosure. Will the money arrive in time to stop the bank from robbing my house?

It may not be too late now. The sooner you call our hotline at 1-877-894-4663, the more likely we are to help save your home. https://bit.ly/Yakima Herald-HAF

spread the word

I would like to share information about this program. Do you have any materials available?

Feel free to call our hotline at 1-877-894-4663. Printable flyers and shareable social media graphics can be downloaded online at: WashingtonHAF.org

Nonprofit Housing Counseling Partners:

  • Parkview Service
  • OIC in Washington
  • American Financial Solutions (AFS)
  • Urban League of Metropolitan Seattle
  • SNAP (Spokane Neighborhood Action Partners)
  • El Centro de la Rasa
  • northwest justice project

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