Homeowner's Assistance Fund

You may apply for assistance through the TNHAF by clicking the application button at the top of the page. Once you click the button, a new window will open with instructions on creating an account to begin the application process.

The following are some of the main requirements. This list is not all inclusive. A TNHAF underwriter will review your information and determine eligibility according to TNHAF guidelines.

• You must have experienced a qualified financial hardship after January 21, 2020

• You must currently own and occupy the property as your primary residence

• Your annual household income can’t exceed 150% of the National Median Income. Currently this amount is $135,000.

• Other guidelines will apply

The following items will be needed for all borrowers on the mortgage and their spouses in order to submit the application for review:

• Driver’s license or state ID

• Current and previous year’s tax returns with W-2s

• Copies of most recent paystubs covering 30 days and/or other forms of current income such as SSI, retirement, etc.

• Most recent mortgage statement

There may be additional required documents requested in order to establish eligibility.

The TNHAF program will assist with eligible housing related expenses that meet program guidelines up to the maximum assistance per household of $40,000.

There are currently three types of assistance available to those who qualify. You will be asked during the application process which one you wish to apply for. Once your application has been approved, the underwriter will determine the type of assistance that you qualify for.

• Reinstatement only- This option is for homeowners who have recovered from the COVID related hardship and can afford their monthly payment going forward, but need assistance with the past due balance.

• Reinstatement plus payments- This option is for homeowners who are still experiencing a reduction of income and need assistance with monthly payments for a limited period of time.

• Reinstatement plus loss mitigation- This option is for homeowners who have experienced a long term reduction of income and need to establish a more affordable monthly payment.

Eligible homeowners may receive financial assistance to cover the following housing expenses:

1. Mortgage payments

2. Delinquent mortgage payments to bring the mortgage loan current.

3. Housing-related costs resulting from a period of forbearance, delinquency, or default

4. Homeowners’ insurance and flood insurance

5. Past due homeowner and condo association fees/dues

6. Delinquent property taxes to prevent tax foreclosures

Yes, if you meet the eligibility requirements per program guidelines.

TNHAF payments are delivered directly to the servicer and/or approved entities for qualified housing related expenses. Funds are not paid directly to homeowners.

No. Financial assistance obtained through the TNHAF does not require repayment.

The TNHAF call center can be reached at 855-890-8073. The call center hours are Monday through Friday 7am to 7pm CST.

If you need assistance in completing your application, please contact the call center at 855-890-8073. A call center representative will refer you to a HUD certified counselor who will be able to assist with your application.

Yes. If you wish to apply in person, you may request a referral to a HUD certified counselor in your area who will be able to assist with your application by calling the call center at 855-890-8073.

Please call the TNHAF call center at 855-890-8073. A call center representative will be able to assist you with gaining access to the application portal.

In the TNHAF application portal, please click on “Forgot Password.” This will guide you through the process to reset your password.

Yes. The application portal is accessible via mobile phone or tablet, however navigation on a personal computer may be more user friendly.

The application should be completed in a timely manner. Incomplete applications will not be submitted for processing or review. All required information and documentation must be submitted in order for the application to be deemed complete and submitted for review.

You may view the status of your application on the TNHAF application portal or contact a call center representative at 855-890-8073 to obtain a status update.

Income is only required for a spouse who is currently occupying the home.

The request for additional documentation will include the submission deadline.

Applications are withdrawn due to failure to provide all required information/documentation. Once all required information and documents have been submitted, you may request to have the application reopened by calling the call center.

If your application is denied, you may submit an appeal of the decision within 30 days of the denial notification. The appeal request must include an explanation as to why the appeal is being submitted along with sufficient documentation to verify an appeal is substantiated. The denial will include instructions on how to appeal the decision.

Tax transcripts are available at www.irs.gov . Once you are on the IRS website, click on get your tax record. Choose “request online” for immediate access to your transcripts. You will then need to create an account (follow the directions on the website) or if you already have an account you need to log in. Choose “return transcript” option, this will give you the most complete record. You may also choose your wage and income transcripts from the same year if you do not have already have those. You will have access to the last several years of taxes filed. Once you have accessed the necessary transcript, save to PDF. You can then upload the documents into the application portal.

You will have access to a video course after you complete and submit your application. The course explains various options for loss mitigation, budgeting, etc. that may help you determine what is best for your specific situation. We suggest completing this as soon as possible in the process. It will be required if your application for assistance is approved. Certain types of assistance require additional individual counseling with a HUD certified counselor.