OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Mortgage Reinstatement Program

Criteria Terms

Program Overview The HAF Program offers various forms of assistance including financial counseling, 

foreclosure mitigation counseling, legal aid, and payments for mortgage and 

other housing related expenses. 

The following types of payment assistance will be offered under the HAF Program: 

1. Payments for eligible mortgage expenses (Purpose #1)

• Homeowners who experienced a temporary hardship, whose income

has been re-established, and who are able to re-establish the original

principal and interest monthly mortgage payment.

• Homeowners who experienced a permanent hardship with decrease

of income and/or increase in expense such that they are unable to reestablish the original principal and interest monthly mortgage

payment.

2. Payments for other qualified housing related expenses (Purpose #2)

• Qualified housing related expenses include homeowner association

(HOA) maintenance fees, Planned Unit Development (PUD) community 

association fees, leasehold payments, property taxes, utility payments,

and/or any hazard, hurricane, flood, or mortgage insurance whether or 

not the homeowners have an eligible mortgage.

Brief description Provide funds to eliminate or reduce past due payments and other delinquent

amounts, including payments under a forbearance plan.

HAF funds may be used to bring the account fully current, with no remaining 

delinquent amounts, and to repay amounts advanced by the lender or servicer on 

the borrower’s behalf for property charges, including 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 may have 

advanced to protect lien position. Payment may also include any reasonably

required legal fees.

HAF funds may be used to facilitate loss mitigation options offered by the servicer

under investor requirements.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to $60,000 for all assistance types under 

the HAF program to be used only for qualified expenses related to the

homeowner’s primary residence.

General eligibility criteria Property eligibility criteria:

• One-unit single family detached (including Ohana or accessory dwelling

units) or condominium unit, as identified by a verified Condominium

Property Regime (CPR) number, located in Hawaii, and occupied as

homeowner’s primary residence.

Homeowner eligibility criteria:

• At least one of the occupying household members must also have a

recorded interest in the property.

• May not have a recorded interest (100% or partial interest) in other real

property suitable for dwelling purposes besides the primary residence,
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Criteria Terms

whether that other interest is held as individual, settlor, or as trustee 

through an inter-vivos living trust. 

• Have experienced a qualifying financial hardship after January 21, 2020

(including a qualifying financial hardship that began before January 21,

2020 but continued after that date) and which has impacted the

homeowner’s ability to make mortgage or other housing related expenses.

A qualifying financial hardship is defined as a reduction in income or an

increase in household living expenses of at least 10 percent associated with 

the COVID-19 pandemic (e.g., unemployment, reduction in regular work

hours/tips/commissions or self-employment income, or increased

household expenditures).

• Have an income equal to or less than 150 percent of the HUD-established

area median income.

• Have no more than five (5) months-worth of total housing expenses in

liquid assets (exclusive of retirement (IRA, SEP, 401K), college (529), or

health savings accounts). Reasonable exceptions may be allowed at the

sole discretion of the service provider.

Mortgage eligibility criteria:

• First mortgages are eligible

• Reverse mortgages are eligible

• Home equity lines of credit are not eligible

Homeowner eligibility

criteria and documentation

requirements

See general eligibility requirements for homeowner eligibility criteria.

Documentation requirements:

• Homeowner statement of attestation that they experienced a financial

hardship after January 21, 2020. The attestation must describe the nature

of the hardship (e.g., job loss, reduction in income, increased costs due to

COVID-19 pandemic).

• Written attestation as to household income together with supporting

documentation such as paystubs, W-2s or other wage statements, IRS

Form 1099s, tax filings, depository institution statements demonstrating

regular income, or an attestation from an employer. (A fact-specific

proxy, such as an applicant’s participation in other government programs

with similar income eligibility criteria or census tract data on the average

incomes in the applicant’s geographic area, may be used if an applicant is

unable to provide timely income documentation).

• Statements for mortgage and housing related expenses, as applicable.

• Homeowner identification.

• A credit report may be pulled.

• Proof of residency documents may be requested.

• Documentation on loss mitigation efforts, as applicable.

Loan eligibility criteria

specific to the program

Delinquent by at least one payment, including any payments during a forbearance

period.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements Payments may be made directly to the lender or servicer, as appropriate, or other

third-party payee authorized by the servicer, or other third party authorized to

collect eligible charges in accordance with reinstatement instructions received

from the payee.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Mortgage Payment Assistance

Criteria Terms

Program Overview The HAF Program offers various forms of assistance including financial 

 counseling, foreclosure mitigation counseling, legal aid, and payments for

mortgage and other housing related expenses. 

 The following types of payment assistance will be offered under the HAF Program: 

1. Payments for eligible mortgage expenses (Purpose #1)

• Homeowners who experienced a temporary hardship, whose income

has been re-established, and who are able to re-establish the original

principal and interest monthly mortgage payment.

• Homeowners who experienced a permanent hardship with decrease

of income and/or increase in expense such that they are unable to reestablish the original principal and interest monthly mortgage

payment.

2. Payments for other qualified housing related expenses (Purpose #2)

• Qualified housing related expenses include homeowner association

(HOA) maintenance fees, Planned Unit Development (PUD) community 

association fees, leasehold payments, property taxes, utility payments,

and/or any hazard, hurricane, flood, or mortgage insurance whether or 

not the homeowners have an eligible mortgage.

Brief description Provide forward mortgage payment assistance, including payments under a 

forbearance plan for a period of up to twelve (12) months or until the maximum

amount of assistance under the HAF Program is reached.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to twelve (12) months of mortgage 

payments through this mortgage payment assistance with respect to the

applicant’s primary residence.

Each Homeowner will be eligible for up to $60,000 for all assistance types 

under the HAF program to be used only for qualified expenses related to the 

homeowner’s primary residence.

General eligibility criteria Property eligibility criteria:

• One-unit single family detached (including Ohana or accessory dwelling

units) or condominium unit, as identified by a verified Condominium

Property Regime (CPR) number, located in Hawaii, and occupied as

homeowner’s primary residence.

Homeowner eligibility criteria:

• At least one of the occupying household members must also have a

recorded interest in the property.

• May not have a recorded interest (100% or partial interest) in other real

property suitable for dwelling purposes besides the primary residence,

whether that other interest is held as individual, settlor, or as trustee

through an inter-vivos living trust.

• Have experienced a qualifying financial hardship after January 21, 2020

(including a qualifying financial hardship that began before January 21,

2020 but continued after that date) and which has impacted the

homeowner’s ability to make mortgage or other housing related expenses.

A qualifying financial hardship is defined as a reduction in income or an

increase in household living expenses of at least 10 percent associated with 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023

Criteria Terms

the COVID-19 pandemic (e.g., unemployment, reduction in regular work 

hours/tips/commissions or self-employment income, or increased 

household expenditures).

• Have an income equal to or less than 150 percent of the HUD-established 

area median income.

• Have no more than five (5) months-worth of total housing expenses in 

liquid assets (exclusive of retirement (IRA, SEP, 401K), college (529), or 

health savings accounts). Reasonable exceptions may be allowed at the 

sole discretion of the service provider.

 Mortgage eligibility criteria:

• First mortgages are eligible

• Reverse mortgages are eligible

• Home equity lines of credit are not eligible

Homeowner eligibility

criteria and documentation

requirements

See general eligibility requirements for homeowner eligibility criteria.

Documentation requirements:

• Homeowner statement of attestation that they experienced a financial 

hardship after January 21, 2020. The attestation must describe the nature 

of the hardship (e.g., job loss, reduction in income, increased costs due to 

COVID-19 pandemic).

• Written attestation as to household income together with supporting 

documentation such as paystubs, W-2s or other wage statements, IRS 

Form 1099s, tax filings, depository institution statements demonstrating 

regular income, or an attestation from an employer. (A fact-specific 

proxy, such as an applicant’s participation in other government programs 

with similar income eligibility criteria or census tract data on the average 

incomes in the applicant’s geographic area, may be used if an applicant is 

unable to provide timely income documentation).

• Statements for mortgage and housing related expenses, as applicable.

• Homeowner identification.

• A credit report may be pulled.

• Proof of residency documents may be requested. 

• Documentation on loss mitigation efforts, as applicable.

Loan eligibility criteria

specific to the program

None.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements Payments will be made directly to the lender or servicer, as appropriate.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Mortgage Default Resolution

Criteria Terms

Program Overview The HAF Program offers various forms of assistance including financial 

counseling, foreclosure mitigation counseling, legal aid, and payments for

mortgage and other housing related expenses. 

The following types of payment assistance will be offered under the HAF Program: 

1. Payments for eligible mortgage expenses (Purpose #1)

• Homeowners who experienced a temporary hardship, whose income

has been re-established, and who are able to re-establish the original

principal and interest monthly mortgage payment.

• Homeowners who experienced a permanent hardship with decrease

of income and/or increase in expense such that they are unable to reestablish the original principal and interest monthly mortgage

payment.

2. Payments for other qualified housing related expenses (Purpose #2)

• Qualified housing related expenses include homeowner association

(HOA) maintenance fees, Planned Unit Development (PUD) community

association fees, leasehold payments, property taxes, utility payments,

and/or any hazard, hurricane, flood, or mortgage insurance whether or 

not the homeowners have an eligible mortgage.

Brief description Provide funds for loss mitigation measures intended to result in a permanently 

sustainable monthly payment for borrowers unable to meet scheduled 

payment requirements due to a qualifying financial hardship associated with 

the coronavirus pandemic. Funds may be used to effect principal reductions; 

reduce the rate of interest; recast payment terms; repay funds advanced by the

servicer on the borrower’s behalf; and as otherwise appropriate to ensure such

assistance, when leveraged with other available loss mitigation options, results

in a sustainable monthly payment amount for the borrower.

Maximum amount of 

assistance per

homeowner

Each Homeowner will be eligible for up to $60,000 for all assistance types under 

the HAF program to be used only for qualified expenses related to the

homeowner’s primary residence.

General eligibility criteria Property eligibility criteria:

• One-unit single family detached (including Ohana or accessory dwelling

units) or condominium unit, as identified by a verified Condominium

Property Regime (CPR) number, located in Hawaii, and occupied as

homeowner’s primary residence.

Homeowner eligibility criteria:

• At least one of the occupying household members must also have a

recorded interest in the property.

• May not have a recorded interest (100% or partial interest) in other real

property suitable for dwelling purposes besides the primary residence,

whether that other interest is held as individual, settlor, or as trustee

through an inter-vivos living trust.

• Have experienced a qualifying financial hardship after January 21, 2020

(including a qualifying financial hardship that began before January 21,

2020 but continued after that date) and which has impacted the

homeowner’s ability to make mortgage or other housing related expenses.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Criteria Terms

A qualifying financial hardship is defined as a reduction in income or an 

increase in household living expenses of at least 10 percent associated with 

the COVID-19 pandemic (e.g., unemployment, reduction in regular work 

hours/tips/commissions or self-employment income, or increased 

household expenditures).

• Have an income equal to or less than 150 percent of the HUD-established

area median income.

• Have no more than five (5) months-worth of total housing expenses in

liquid assets (exclusive of retirement (IRA, SEP, 401K), college (529), or

health savings accounts). Reasonable exceptions may be allowed at the

sole discretion of the service provider.

Mortgage eligibility criteria:

• First mortgages are eligible

• Reverse mortgages are eligible

• Home equity lines of credit are not eligible

Homeowner eligibility

criteria and documentation

requirements

See general eligibility requirements for homeowner eligibility criteria.

Documentation requirements:

• Homeowner statement of attestation that they experienced a financial

hardship after January 21, 2020. The attestation must describe the nature

of the hardship (e.g., job loss, reduction in income, increased costs due to

COVID-19 pandemic).

• Written attestation as to household income together with supporting

documentation such as paystubs, W-2s or other wage statements, IRS

Form 1099s, tax filings, depository institution statements demonstrating

regular income, or an attestation from an employer. (A fact-specific

proxy, such as an applicant’s participation in other government programs

with similar income eligibility criteria or census tract data on the average

incomes in the applicant’s geographic area, may be used if an applicant is

unable to provide timely income documentation.)

• Statements for mortgage and housing related expenses, as applicable.

• A credit report may be pulled.

• Proof of residency documents may be requested.

• Documentation on loss mitigation efforts, as applicable.

Loan eligibility criteria • Must be delinquent by at least one installment payment (including

payments missed during a forbearance period) or otherwise in default, as

reflected in documentation from the payee or the payee’s agent.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements Funds will be paid, as applicable, to the mortgage servicer or other third-party

payee authorized by the servicer, or other third party authorized to collect

eligible charges in accordance with reinstatement instructions received from

the payee.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

 Property Charge Default Resolution 

Criteria Terms

Program Overview The HAF Program offers various forms of assistance including financial 

counseling, foreclosure mitigation counseling, legal aid, and payments for

mortgage and other housing related expenses.

The following types of payment assistance will be offered under the HAF Program: 

1. Payments for eligible mortgage expenses (Purpose #1)

• Homeowners who experienced a temporary hardship, whose income

has been re-established, and who are able to re-establish the original

principal and interest monthly mortgage payment.

• Homeowners who experienced a permanent hardship with decrease

of income and/or increase in expense such that they are unable to reestablish the original principal and interest monthly mortgage

payment.

2. Payments for other qualified housing related expenses (Purpose #2)

• Qualified housing related expenses include homeowner association

(HOA) maintenance fees, Planned Unit Development (PUD) community

association fees, leasehold payments, property taxes, utility payments,

and/or any hazard, hurricane, flood, or mortgage insurance whether or

not the homeowners have an eligible mortgage.

Brief description Provide funds to resolve any property charge default from January 21, 2020 and 

that threatens a homeowner’s ability to sustain ownership of the property,

whether or not homeowner has an eligible mortgage. For mortgaged properties, 

assistance may be provided concurrently with other loss mitigation options

offered by the loan servicer or in conjunction with other assistance programs.

HAF Funds may be used to pay past due property taxes, hazard, hurricane, flood, or 

mortgage insurance premiums, homeowner association (HOA) fees, condominium

fees, cooperative maintenance or common charges that threaten sustained

ownership of the property which must be brought current by program assistance

or resolved concurrently with the program providing assistance. 

HAF payment assistance for any qualified debt owed may be used to facilitate

deferrals or payment plans for qualified housing related expenses. Funds may also

be used to pay property charges which will be due in the 90 days following

approval of assistance.

Maximum amount of

assistance per homeowner

Each Homeowner will be eligible for up to $60,000 for all assistance types under 

the HAF program to be used only for qualified expenses related to the

homeowner’s primary residence.

General eligibility criteria

Property eligibility criteria:

• One-unit single-family detached (including Ohana or accessory dwelling

units) or condominium unit, as identified by a verified Condominium

Property Regime (CPR) number, located in Hawaii, and occupied as

homeowner’s primary residence.

Homeowner eligibility criteria:

• At least one of the occupying household members must also have a

recorded interest in the property.

• May not have a recorded interest (100% or partial interest) in other real

property suitable for dwelling purposes besides the primary residence,

whether that other interest is held as individual, settlor, or trustee through
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023 

Criteria Terms

an inter-vivos living trust. 

• Have experienced a qualifying financial hardship after January 21, 2020

(including a qualifying financial hardship that began before January 21,

2020 but continued after that date) and which has impacted the

homeowner’s ability to make mortgage or other housing related expenses.

A qualifying financial hardship is defined as a reduction in income or an

increase in household living expenses of at least 10 percent associated with 

the COVID-19 pandemic (e.g., unemployment, reduction in regular work

hours/tips/commissions or self-employment income, or increased

household expenditures).

• Have an income equal to or less than 150 percent of the HUD-established

area median income.

• Have no more than five (5) months-worth of total housing expenses in

liquid assets (exclusive of retirement (IRA, SEP, 401K), college (529), or

health savings accounts). Reasonable exceptions may be allowed at the

sole discretion of the service provider.

Mortgage eligibility criteria:

• Funds may be provided whether the homeowner has an eligible mortgage

or not.

Homeowner eligibility

criteria and documentation

requirements

See general eligibility requirements for homeowner eligibility criteria.

 Documentation requirements:

• Homeowner statement of attestation that they experienced a financial

hardship after January 21, 2020. The attestation must describe the nature

of the hardship (e.g., job loss, reduction in income, increased costs due to

COVID-19 pandemic).

• Written attestation as to household income together with supporting

documentation such as paystubs, W-2s or other wage statements, IRS

Form 1099s, tax filings, depository institution statements demonstrating

regular income, or an attestation from an employer. (A fact-specific

proxy, such as an applicant’s participation in other government programs

with similar income eligibility criteria or census tract data on the average

incomes in the applicant’s geographic area, may be used if an applicant is

unable to provide timely income documentation.)

• Statements for mortgage and housing related expenses, as applicable.

• Homeowner identification.

• A credit report may be pulled.

• Proof of residency documents may be requested.

• Documentation on payment arrangement requests, as applicable.

• Homeowner statement of continuing financial hardship, if applicable.

Loan eligibility criteria

specific to the program

N/A

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements Funds will be paid, as applicable, to the mortgage servicer or other third-party

payee authorized by the servicer, other third party authorized to collect eligible

charges in accordance with reinstatement instructions received from the payee, 

or third-party payee including, but not limited to, county tax assessor, 

homeowners’ association, or lessor.
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023

Utility Payment Assistance

Criteria Terms

Program Overview The HAF Program offers various forms of assistance including financial 

counseling, foreclosure mitigation counseling, legal aid, and payments for

mortgage and other housing related expenses.

The following types of payment assistance will be offered under the HAF Program: 

1. Payments for eligible mortgage expenses (Purpose #1)

• Homeowners who experienced a temporary hardship, whose income 

has been re-established, and who are able to re-establish the original 

principal and interest monthly mortgage payment.

• Homeowners who experienced a permanent hardship with decrease 

of income and/or increase in expense such that they are unable to reestablish the original principal and interest monthly mortgage 

payment.

2. Payments for other qualified housing related expenses (Purpose #2)

• Qualified housing related expenses include homeowner association 

(HOA) maintenance fees, Planned Unit Development (PUD) community 

association fees, leasehold payments, property taxes, utility payments, 

and/or any hazard, hurricane, flood, or mortgage insurance whether or 

not the homeowners have an eligible mortgage.

Brief description Provide funds for homeowner utility services whether a homeowner has an eligible 

mortgage or not.

HAF funds may be used to pay delinquent amounts in full, including interest or

required legal fees, under the circumstances in which a delinquency threatens

access to utility services. The assistance must bring the homeowner’s account 

current.

Funds may be used to pay prospective charges for up to the first 90 days 

following approval if the homeowner is unable to make such payments and funds 

are not available from other utility assistance programs to cover these amounts.

Maximum amount of 

assistance perhomeowner

Each Homeowner will be eligible for up to $60,000 for all assistance types under 

the HAF program to be used only for qualified expenses related to the

homeowner’s primary residence.

General eligibility criteria Property eligibility criteria:

• One-unit single family detached (including Ohana or accessory dwelling 

units) or condominium unit, as identified by a verified Condominium 

Property Regime (CPR) number, located in Hawaii, and occupied as 

homeowner’s primary residence.

Homeowner eligibility criteria:

• At least one of the occupying household members must also have a 

recorded interest in the property.

• May not have a recorded interest (100% or partial interest) in other real 

property suitable for dwelling purposes besides the primary residence, 

whether that other interest is held as individual, settlor, or as trustee 

through an inter-vivos living trust. 

• Have experienced a qualifying financial hardship after January 21, 2020 

(including a qualifying financial hardship hat began before January 21, 2020 
OMB Approved No.: 1505-0269

Expiration Date: 10/31/2021

Hawaii HAF-Term-Sheets Hawaii 

Final_REV_05.31.2023

Criteria Terms

but continued after that date) and which has impacted the homeowner’s 

ability to make mortgage or other housing related expenses. A qualifying 

financial hardship is defined as a reduction in income or an increase in 

household living expenses of at least 10 percent associated with the 

COVID-19 pandemic (e.g., unemployment, reduction in regular work 

hours/tips/commissions or self-employment income, or increased 

expenditures).

• Have an income equal to or less than 150 percent of the HUD-established 

area median income.

• Have no more than five (5) months-worth of total housing expenses in 

liquid assets (exclusive of retirement (IRA, SEP, 401K), college (529), or 

health savings accounts). Reasonable exceptions may be allowed at the 

sole discretion of the service provider.

Mortgage eligibility criteria (if homeowner has an eligible mortgage):

• Funds may be provided whether the homeowner has an eligible mortgage 

or not. 

Homeowner eligibility

criteria and documentation 

requirements

See general eligibility requirements for homeowner eligibility criteria. In 

addition, assistance sufficient to resolve the delinquency must not be 

available from other utility assistance programs and, without HAF assistance,

the homeowner is likely to lose services.

Documentation requirements:

• Homeowner statement of attestation that they experienced a financial 

hardship after January 21, 2020. The attestation must describe the nature 

of the hardship (e.g., job loss, reduction in income, increased costs due to 

COVID-19 pandemic).

• Written attestation as to household income together with supporting 

documentation such as paystubs, W-2s or other wage statements, IRS 

Form 1099s, tax filings, depository institution statements demonstrating 

regular income, or an attestation from an employer. (A fact-specific 

proxy, such as an applicant’s participation in other government programs 

with similar income eligibility criteria or census tract data on the average 

incomes in the applicant’s geographic area, may be used if an applicant is 

unable to provide timely income documentation.)

• Statements for mortgage and housing related expenses, as applicable.

• Homeowner identification. 

• A credit report may be pulled.

• Proof of residency documents may be requested. 

• Documentation on payment arrangement requests, as applicable.

Loan eligibility criteria

specific to the program

N/A

Form of assistance Assistance will be structured as a non-recourse grant.

Payment requirements Funds will be paid directly to the utility provider or other applicable third-party

authorized to collect eligible charges.

 

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