Resources 

Frequently Asked Questions

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Eligibility Questions

Who is eligible to apply for the program?

To be considered eligible:

  • Your household income must be at 150 percent of the Area Median Income or 100 percent of the median income for the United States, whichever is greater.
  • You own and occupy the home as your primary residence.
  • You can certify your financial hardship that began after January 21, 2020. (Includes a hardship that began before January 21, 2020 but continued after that date)
  • Your property is located within the state of Arkansas.
  • Your property is not vacant, abandoned or condemned.
  • If applying for Mortgage Reinstatement:
    • Mortgage is held by a lender/servicer with an NMLS number. This would include federally backed and privately funded mortgages. Private party mortgages are ineligible for assistance.
    • Mortgage is two or more months past due when you submit your application. If approved for reinstatement benefits and your loan is paid current, you can begin making monthly payments.
  • If applying for Utility/Internet/Broadband Payment Assistance:
    • Homeowner is at least two installment payments in arrears on one or more of the following: utilities, such as electric, gas, home energy, and water, or internet service, including broadband internet access service.
      If an eligible homeowner is on a payment plan for utility/internet expenses incurred prior to the application date, those expenses will be considered arrears and can be included as eligible expenses.
    • Homeowner can certify that assistance sufficient to resolve the delinquency is not available from Arkansas Low Income Home Energy Assistance Program (“LIHEAP”) and, without HAF assistance, the homeowner is likely to lose services.
What expenses are eligible?
  • Mortgage delinquency
  • Utility and/or internet access services
  • Property taxes, hazard insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, planned unit development fees, homeowners’ association fees or utilities that the servicer advanced to protect lien position (if included within escrow)
What is the maximum amount of income I can earn?

The income limits vary based on county and the number of occupants in your household.  When you apply online, after entering some basic information, you will see the income limitations specific to you.

What documents do I need to provide?

Please view the Arkansas HAF Checklist to review our required documentation.

What if I cannot get the required documents to finish the application?

We must have all documentation to finish your application. If you do not supply all the documents, you are at risk of being administratively withdrawn. Although, we will work with you to obtain all the information we need to complete the application.

I am in bankruptcy right now. Am I eligible for assistance?

An active bankruptcy does not make you ineligible for assistance. However, you will be required to obtain approval from the bankruptcy court or trustee to participate and receive assistance. Homeowners are encouraged to speak with their bankruptcy attorney or trustee to request permission from the court to participate in this program.

Utility Assistance Questions

What is the Arkansas Low Income Home Energy Assistance Program (“LIHEAP”)?

LIHEAP is a block grant program administered by the U.S. Department of Health and Human Services (DHHS). It is designed to lower the energy burden for low-income households, who pay a high proportion of household income for home energy costs, by paying benefits for home energy bills. LIHEAP assists households with heating costs during the winter season and cooling costs during the summer season. LIHEAP only assists residential applicants; businesses are excluded from receiving the benefit. LIHEAP in Arkansas is operated by a network of fifteen (15) Community Action Agencies (CAAs), which serves all seventy-five (75) counties. Arkansas LIHEAP offers two types of benefit payments:

  • Regular: this benefit is based on household size and income.
  • Crisis: the crisis benefit is a payment up to $500 dollars that depends on the amount of help a household presents as being necessary.

LIHEAP Eligibility in Arkansas is based on both 60% of State Median Income and 150% of Federal Poverty Guidelines. Review the LIHEAP Eligibility Chart below to see if your household is income eligible for benefits.

I understand that homeowners must be able to demonstrate they applied for LIHEAP benefits, and they were either denied or require more assistance that LIHEAP can provide. How can I apply for benefits from Arkansas’s Low Income Home Energy Assistance Program (LIHEAP)?

Homeowners can apply for benefits from Arkansas’s Low Income Home Energy Assistance Program (LIHEAP) by visiting their website at: https://www.adeq.state.ar.us/energy/assistance/liheap.aspx

How can I certify and prove that I have applied for benefits from Arkansas’s LIHEAP program?

Once you apply for LIHEAP, they will provide you a Notice of Action Form that will detail your award/denial. HAF will accept this as sufficient documentation to meet this eligibility requirement.

I am applying for utility payment assistance, and I am confused about how LIHEAP effects my eligibility or if I need to apply for that program before I can be served under HAF.

LIHEAP payment assistance ​covers the following utility types: electric, fuel/oil, natural gas, propane, wood and/or pellets. ​It does not cover expenses such as water, sewer, internet or broadband.

  • If you need assistance for any of the LIHEAP covered utility types, ​you must apply for LIHEAP before applying for HAF. ​If you applied for HAF and were deemed ineligible because you had not applied for LIHEAP, ​you may become eligible later if you provide documentation of application and award/denial.
  • If you do not need payment assistance for the LIHEAP covered utility types,  ​but you need assistance for services not ​covered under LIHEAP (water, sewer, internet, broadband, etc.) you may apply for ​HAF assistance.
  • If you need payment assistance ​for ​a combination of utilities and internet/broadband services, ​you must apply for LIHEAP before applying for HAF. If you are deemed ineligible by LIHEAP benefits, or they cannot resolve your entire delinquency, ​the HAF ​program may ​pay the entire remaining amount – up to maximum assistance of $2,500.

Mortgage Assistance Questions

My first and second lien mortgage loans are both delinquent, can I receive assistance for both loans?

Each applicant can only apply for assistance once; however, their first and second mortgage loans are eligible for reinstatement at the same time, when all other program criteria is met.

May I apply for reinstatement assistance if my mortgage loan is current or past due for one payment?

No, the mortgage loan must be past due for two or more payments before homeowners can apply for reinstatement assistance.

How much will the mortgage lender receive if I am approved?

The mortgage lender will receive the delinquent past due amount up to the awarded cap amount. If the past due amount is greater than the maximum reinstatement benefit, homeowners will work with their servicers to cover the shortfall.

I inherited a home that is delinquent and at risk of foreclosure, and my name is not on the mortgage loan, what should I do?

If you inherited a home that is delinquent and at risk of foreclosure, and your name is not on the mortgage loan, we recommend you seek assistance from a legal services team. Visit www.arlawhelp.org for more information about free legal assistance.

My spouse recently passed away and s/he was the only person on the mortgage. The loan is delinquent and at risk of foreclosure, what should I do?

Individuals who are struggling to save their home from foreclosure due to death of a spouse who was the only person on the mortgage may seek assistance from a legal services team. Visit www.arlawhelp.org for more information about free legal assistance.

I recently got divorced and the home was awarded to me but my name is not on the mortgage loan. The loan is delinquent and at risk of foreclosure, what should I do?

Individuals who are struggling to save their home from default or foreclosure due to property settlement conditions related to divorce may seek assistance from a legal services team. Visit www.arlawhelp.org for more information about free legal assistance.

My spouse is incarcerated and s/he is the only name on the mortgage. The loan is delinquent and at risk of foreclosure, what should I do?

Individuals who are struggling to save their home from default and foreclosure due to incarceration of a spouse who is the only name on the mortgage loan, should seek assistance from a legal services team. Visit www.arlawhelp.org for more information about free legal assistance.

What should I do if I have an unaffordable mortgage payment and need help to get a lower, more affordable payment?

Homeowners who need help to get a lower, more affordable mortgage payment are encouraged to contact Credit Counseling of Arkansas (CCOA). CCOA is a HUD-approved housing counseling agency. Their counselors are available to help homeowners resolve their housing concerns. CCOA works with homeowners and their mortgage servicers to assess the situation and determine the options available to you. CCOA’s mortgage delinquency counseling is provided at no cost to the homeowner. Call CCOA at (479) 521-8877 to schedule your free and confidential session or go to www.ccoacares.com.

General & Technical Support Questions

What is the Arkansas Homeowner Assistance Program?

The State of Arkansas has been allocated approximately $54 million as part of the American Rescue Plan signed into law by President Biden. It is intended to help low-to-moderate income households catch up on their delinquent mortgages and certain other homeowner expenses.

How many times can I apply for the assistance?

Each applicant only can apply to the program once.

How do I apply?

Eligible homeowners can apply through the online portal at: apply.arkansashaf.com or contact our call center at 888.698.0964.

Where can I mail or fax the requested documents?

If uploading within the online portal is not an option, the mailing address and fax number is:

Arkansas Homeowner Assistance Fund,
1 Commerce Way, #12
Little Rock, AR, 72202
Fax Number: (855) 461-3251

How will payment be handled?

Payment will be provided directly to your mortgage servicer or utility/internet provider.

How long does it take to get approved?

The approval process takes 30-45 days.

Is this payment a grant or do I need to pay it back?

This is a grant based on federal funding provided for distribution by the state of Arkansas. You will not be required to repay.

What documents do I need to provide?

Please view the Arkansas HAF Checklist to review our required documentation.

What if I cannot get the required documents to finish the application?

We must have all documentation to finish your application. If you do not supply all the documents, you are at risk of being administratively withdrawn. Although, we will work with you to obtain all the information we need to complete the application.

If I am denied, can I reapply for the assistance?

Upon denial, all applicants have the right to appeal within 30-days of the date of the denial letter. Please be advised that not all denials are eligible for appeal. Example: If the property is not located in Arkansas or if the loan is not past due for two or more payments at the time of application – the file is not eligible for appeal.

I have started my application, but I plan to leave town. Will my application be available in 2 weeks?

Yes, although after 10 days of inactivity you will receive an email of incompleteness and run the risk of becoming inactivated.

How do I check the status of my application?

To review the application details and detailed status, please log into your account using the link apply.arkansashaf.com or contact our call center at 888.698.0964. Call center hours are Monday – Friday, 8 a.m. to 5 p.m.

Do I have to pay taxes on the benefit assistance I receive from the Homeowner Assistance Fund program?

We do not provide tax advice to homeowners regarding Arkansas HAF benefits. Homeowners should consult a tax professional regarding tax liability. Homeowners may obtain additional information from the IRS regarding their determination of tax liability for Homeowner Assistance Fund (HAF) benefits. Go to: https://www.irs.gov/pub/irs-drop/rp-21-47.pdf to read the IRS publication regarding tax liability of the program.

Is there a cost to participate in the Arkansas Homeowner Assistance Fund?

There is no cost to participate in the Arkansas Homeowner Assistance Fund. You will never be asked to pay a fee to apply for or receive assistance. If you believe you have been inappropriately approached by a non-Arkansas Homeowner Assistance Fund representative offering financial assistance and asking for a payment or requesting your personal information, please notify us immediately at 888.698.0964.

I’m in the application portal and am having technical issues. Would should I do?

If you are having issues with the appearance or behavior of the application portal, try to clear the browser cache.

I received a text message from 501-791-9182 regarding my application. Is this legitimate?

Yes, this is the official number Arkansas HAF uses to send SMS text messages to applicants. You may also receive phone calls from our call center at 888.698.0964. If you believe you have been contacted by a non-Arkansas Homeowner Assistance Fund representative offering financial assistance, asking for a payment, or requesting your personal information, please refrain from responding and call us immediately at 888.698.0964.

Arkansas Development Finance Authority

The Arkansas Homeowner Assistance Fund is administered by the Arkansas Development Finance Authority.

Before you proceed...

The following items will be helpful to have on hand to complete your application:

  • Valid Identification for Application (and spouse/co-borrower, if applicable)
  • Federal Tax Return for Applicant for Year of Hardship (and spouse/co-borrower, if applicable)
  • Proof of Homeownership
  • Mortgage/Utility/Internet Statements Displaying Delinquency 

 

Understood. Take me to the application.

 

If you would like more information regarding documents needed to apply, please review the HAF Document Checklist.

If you are looking to apply for Utility Payment Assistance but have not yet applied for the Low-Income Home Energy Assistance Program (LIHEAP), please visit the Arkansas Energy and Environmental Quality website for program information and instructions on how to apply. This is a requirement to pre-qualify for Utility Payment Assistance under HAF.