Process

1. APPLICATION - All applications must be completed online. Click 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.

* Due to anticipated demand for this program, HHA will accept applications in cycles of 200 submissions. At that time, we will close the application portal to evaluate applications. During this time, applicants may check their application status online to confirm they have submitted all required documents. 

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 Department of Labor
    • Bank Statements showing at least one distribution of benefits
  • Income Documentation for All Household Occupants
    • Past 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 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 Driver’s License (front and back) (if expired, must not be more than 60 days past expiration date)
  • 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 Certification 
  • Department of Labor Authorization Form 
  • Eligible Homeowner’s Affidavit
  • HHA Affidavits 
  • 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 10-20 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 Certification to your HHA counselor.