For assistance, you can reach the call center at 855-890-8073.

*If your mortgage servicer is not listed, please go ahead and apply. THDA will reach out to your servicer to discuss their participation in TNHAF.

HAF Program Executive Summary

HAF Program Executive Summary (in Español)

TNHAF Frequent Asked Questions

How do I apply for the TNHAF program?

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.

What are the requirements to qualify for assistance through the TNHAF?

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

What documentation is required to apply for TNHAF assistance?

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.

What is the maximum amount of financial assistance I may receive through the TNHAF program?

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

What is the difference in the program types of assistance?

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.

What expenses does funding from the TNHAF program cover?

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

Can I get assistance with my current monthly payments?

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

Do I receive the money from this program to pay my mortgage?

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

Will I have to pay this money back?

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

How do I get in touch with the TNHAF Call Center?

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

I don’t have a computer. How can I apply?

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.

Can I apply in person?

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.

I can’t get into the application portal – what do I do?

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.

I have forgotten my password. What do I need to do? Who can help me?

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

Can I apply for this program with my phone or tablet?

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

How long do I have to complete the application?

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.

How do determine the status of my application?

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.

I filed for separation – do I have to include my spouse’s information?

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

I have been asked for additional information. How long do I have to provide the information?

The request for additional documentation will include the submission deadline.

What do I need to do if my application is withdrawn?

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 my application is denied can I request an appeal?

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.

I can’t locate my taxes, what can I do?

Tax transcripts are available at . 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.

What is the homeowner course that is required? And when do homeowner’s need to take this?

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.