Update: The Homeowner Payment Assistance Program (HPAP), discussed below, ended on November 10, 2023. The Housing Reinstatement program remained open as of that date.
In early 2021, President Joe Biden signed the American Rescue Plan Act into law. This law created a Homeowner Assistance Fund, a federal program, to give around $10 billion to the states to help households that are behind on their mortgages and other housing expenses due to COVID-19.
Eligible homeowners in North Dakota who've experienced a financial hardship because of the pandemic can get a portion of the approximately $50 million allocated to the state by applying to the ND Help for Homeowners program. This program uses federal money to help homeowners pay mortgage payments and other home costs.
ND Help for Homeowners has three sub-programs that provide financial assistance to homeowners:
This program will provide up to $40,000 to cover:
Assistance can pay outstanding expenses from January 21, 2020, through the application date, for up to 24 months of eligibility.
Eligibility. To qualify for HRP assistance:
This program will pay up to $12,000 to cover future housing expenses, like:
HPAP assistance is available for up to six months or until you reach the maximum dollar amount.
Eligibility. To qualify for HPAP assistance:
With HAFHR, you can apply to get money to pay housing rehabilitation costs for roofing (including soffits, gutters, and fascia), drainage and runoff management, electrical and plumbing systems, and foundation expenses. You can also use assistance money to make environmental modifications and accessibility improvements. Depending on your circumstances, other requests will be considered and potentially approved.
You can get up to $30,000 under this program, but the total amount of assistance for all requests, like home repairs, mortgage payments, and other housing costs, can't exceed the program cap of $40,000 per household.
Eligibility. To qualify for HAFHR assistance:
Assistance is in the form of a grant that you don't have to repay. Payments from the program go directly to the loan servicer or other approved entity, not to homeowners.
The ND Help for Homeowners program will run from June 2022 until September 2025 or until program funds run out.
You can apply for help from the ND Help for Homeowners program starting June 20, 2022. Go to the ND Help for Homeowners website to submit your application. Funds are limited, and demand will probably be high. So, if you think you might qualify, you should apply as soon as possible after the application process becomes available.
In the meantime, you can take steps to get ready to apply once the program begins. Start organizing the documents you'll probably need, such as your most recent tax return or two most recent paystubs, photo ID, mortgage statement or property tax statement, and utility statements, and put them in a digital format (like a pdf).
Also, find out what type of mortgage you have, like an FHA-insured, VA-guaranteed, Fannie Mae, or Freddie Mac mortgage. Depending on what entity owns or backs your loan, you might qualify for a special loss mitigation option. Call your loan servicer to learn about what alternatives are available.
Be wary if you get an unsolicited offer by phone, mail, email, or text message offering mortgage relief or foreclosure rescue services. Scammers are increasingly targeting homeowners who've been affected by COVID-19. Homeowner Assistance Fund programs are free. If anyone asks you to pay a fee to get housing counseling or to receive foreclosure prevention services from this program, it's a scam.
Go to the ND Help for Homeowners website to learn more about available assistance. Also, review the factsheets for the Homeowner Reinstatement Program (HRP), Homeowner Payment Assistance Program (HPAP), and Homeowner Assistance Fund Home Repair Program (HAFHR). You can also sign up to receive email updates.
You may also get help by going to HUD's website or calling 800-569-4287 to contact a housing counselor. A HUD-approved housing counselor will assist you at no cost.