***Watch our instructional video that walks you through each step of the process and shows you how to fill out the application for assistance:
1. APPLICATION - All applications must be completed online. Click here (or the "Apply Now" button in the upper right corner of the screen) to begin your application. Before you begin, please have your mortgage loan information and financial information available. Check the Resources tab to verify if your servicer is an active HHA participant.

2. REQUIRED DOCUMENTS - After submitting your application, you will be provided a list required documents that you must provide before your application can move forward. An HHA counselor will be assigned to you in order to assist you during the process. Required documents are:
  • Copy of Monthly Statement(s) for all Mortgages
  • Copy of Bankruptcy Discharge Papers (if applicable)
  • Documentation of Unemployment Income
    • Statement from DIR, or
    • Bank Statements showing the amount received (30 days)
  • Income Documentation for All Household Occupants
    • Past two years’ W-2 forms and complete federal tax returns (1099’s if applicable)
    • Pay stubs to cover most recent 30 days
  • Self-Employed Occupants:
    • Past two years’ executed federal tax returns
    • Year-to-date Profit & Loss statement
  • Documentation of Other Sources of Income (child support, alimony, Social Security income, etc.)
  • Copy of Deed/Mortgage
  • Copy of Driver’s License (front and back)
  • Additional information may be required
Within the application, there are also forms you must complete. These include:
  • Third Party Authorization Form for each servicer 
  • Monthly Occupancy Statement
  • Department of Labor Authorization Form 
  • Eligible Homeowner’s Affidavit
  • HHA Affidavits 
  • Form 4506-T
  • Additional information may be required
3. APPLICATION REVIEW -When all documents are submitted, your application will progress to the underwriting stage. During the underwriting stage, the HHA underwriters will:
    • Review your application to be sure it meets all HHA program requirements (income limits, UPB limits, etc.).
    • Verify unemployment benefits if necessary.
    • Order property verifications.
    • Verify the loan balance and status with the mortgage servicer.
4. LOAN CLOSING - Once the application is approved, the loan closing will be scheduled. After the loan closing, please allow 7-10 business days for verification of required loan closing documents before disbursement will begin.

5. AFTER THE LOAN CLOSING - After the loan closing, you are responsible for completing and sending a Monthly Occupancy Statement to your HHA counselor. HHA benefits will end after 12 months or when assistance has reached the maximum assistance limit of $30,000.