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United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Maine Bureau of Consumer Credit Protection

HAF Grantee Plan Name

HAFP-0054
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United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 11/17/2021 4:38 PM

Total Plan Requested Amount $50,000,000.00

Record Type State

Application Record SLT-0025

HAF Grantee Plan Status (external) Funded
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Homeowner Needs and Community Engagement

What Quantitative Data Has Informed the Participant’s Planning?

Treasury will assess the extent to which a Participant has, in the course of its HAF planning process, relied on

quantitative data, including from community-based organizations or organizations that serve potentially

eligible homeowners. 

In its HAF planning process, has the Participant obtained quantitative data from mortgage servicers, private

data providers, government entities, community-based organizations, or other sources to inform its planning

about how to target and best serve eligible homeowners with mortgage delinquencies, defaults, foreclosures?

Yes

If yes, please list and, briefly describe each source of quantitative data.

Note: Please see cover letter and detailed narrative responses to Treasury's recent feedback, as

well as updated term sheet, uploaded to "Term Sheet" portal. Thank you. In response to this

question, quantitative data included: Data from US Treasury, including State's delinquency

rates, forbearance rates and default rates, with specific and detailed information on government

sponsored loans; 2) Participant's housing program: For more than 10 years, Participant has

administered the state's foreclosure prevention hotline, intake and referral service, through

which homeowners threatened with foreclosure are referred directly to nonprofit, HUD-certified

housing counselors in Maine. Those counselors are under contact with Participant. The

triggering event is the mailing of a pre-foreclosure 35-day "notice of right to cure default," so

through this mechanism Participant has been able to track defaults over time; 3) Maine Dept. of

Labor: Unemployment rates, especially as tracked beginning in December, 2019 (2.8%), into

April 2020 (9.8%) and moderating to 4.4% in mid-2021.

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or

housing finance market?

Yes

If yes, please list and, briefly describe each source of quantitative data.

State of Maine Consolidated Plan for CDBG, ESG, HOME and HTF, Plan Years 2020 - 2024,

prepared by MaineHousing and state's Department of Economic and Community Development

-- analyzes impediments to affordable housing by ethnicity and income level.

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its

planning about how to target and best serve eligible homeowners at risk of displacement due to utility

arrearage or tax foreclosure?

Yes
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If yes, please list and, briefly describe each source of quantitative data.

Utilities: Direct reporting to Participant by state's two power companies regarding default rates.

Direct input to Participant by Maine's Public Utilities Commission's Consumer Assistance

Division. Tax liens: Information from Participant's own tax lien foreclosure prevention program,

from individual municipalities, and from Maine Municipal Association.

In the following text box, please list any source not listed above of quantitative information, including

sources of data on the performance of any of the Participant’s previously implemented programs, that the

Participant used to inform its HAF planning process, briefly describe how the data informed the Participant’s

planning.

Characteristics of Housing in Maine, MaineHousing 2019 -- analyzed data on owner-occupied

housing, showing that 72% of state's housing units were occupied. US Census -- revealed state's

income, housing costs and average household size.

Did the Participant communicate with mortgage servicers regarding the development of its program design?

Yes

Did the Participant communicate with other HAF participants regarding the development of its program

design?

Yes

How Has Community Engagement and Public Participation Informed the

Participant’s Planning?

Treasury will assess the extent to which a Participant’s assessment of homeowner needs has been informed

by and reflects input from organizations and individuals representing eligible homeowners, including any

opportunities for public participation in the development of the Participant’s plan. Treasury will pay

particular attention to the extent of the Participant’s engagement with populations that are the subject of

statutory targeting requirements.

Has the Participant requested and received input on its HAF planning process from providers of housing

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?

Yes

Provider information

If yes, please list such providers, including the providers’ address and website. Please indicate by checking

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income

households or to address the impacts of housing discrimination on one or more demographic groups in the

Participant’s jurisdiction.

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination
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MaineHousing

26 Edison Drive ,Augusta,Maine 04330

http://www.MaineHousing.org

Western Maine Community Action

20A Church Street PO Box 200,East Wilton,Maine 04234

http://www.WMCA.org

Pine Tree Legal Assistance

PO Box 547 ,Portland,Maine 04112

http://www.PTLA.org

Community Concepts

240 Bates Street ,Lewiston,Maine 04240

http://www.CCIMaine.org

Coastal Enterprises, Inc. (CEI)

30 Federal Street ,Brunswick,Maine 04011

http://www.CEIMaine.org

Penquis Community Action Program (CAP)

262 Harlow Street PO Box 1162,Bangor,Maine 04402

http://www.Penquis.org

York County Community Action Corp. (YCCAC)

6 Spruce Street ,Sanford,Maine 04073

https://yccac.org/

Aroostook County Community Action (ACAP)

771 Main Street ,Presque Isle,Maine 04769

https://acap-me.org/

Downeast Community Partners (DCP)

248 Bucksport Road ,Ellsworth,Maine 04605

http://www.DowneastCommunityPartners.org

Kennebec Valley CAP

101 Water Street ,Waterville,Maine 04901

http://www.KVCAP.org

Avesta Housing

307 Cumberland Avenue ,Portland,Maine 04101

http://www.AvestaHousing.org

Opportunity Alliance

190 Lancaster Street ,Portland,Maine 04101

http://www.OpportunityAlliance.org

Waldo County CAP

9 Field Street, #201 ,Belfast,Maine 04915

https://WaldoCAP.org

Has the Participant requested and received input regarding its HAF planning process from community-based

organizations or organizations that serve potentially eligible homeowners?
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Yes

Community Information

If yes, please list such organizations, including the providers’ address and website if available. Please

indicate by checking the appropriate box below if the provider’s primary purpose is to serve low- and

moderate-income households or to address the impacts of housing discrimination on one or more

demographic groups in the Participant’s jurisdiction.

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Four Directions

20 Godfrey Drive, Orono, Maine 04473

https://FourDirectionsMaine.org

Pine Tree Legal Assistance

PO Bot 547, Portland, Maine 04112

http://www.PTLA.org

MaineHousing

26 Edison Drive, Augusta, Maine 04330

http://www.MaineHousing.org

Western Maine Community Action

20A Church StreetPO Box 200, East Wilton, Maine 04234

http://www.WMCA.org

Community Concepts

240 Bates Street, Lewiston, Maine 04240

http://www.CCIMaine.org

Coastal Enterprises, Inc. (CEI)

30 Federal Street, Brunswick, Maine 04011

http://www.CEIMaine.org

York County Commuity Action

6 Spruce Street, Sanford, Maine 04073

https://yccac.org

Penquis Community Action Program

262 Harlow StreetPO Box 1162, Bangor, Maine 04402

http://www.Penquis.org

Aroostook County Community Action

771 Main Street, Presque Isle, Maine 04769

https://acap-me.org

Downeast Community Partners

248 Bucksport Road, Ellsworth, Maine 04605

http://www.DowneastCommunityPartners.org
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Kennebec Valley CAP

101 Water Street, Waterville, Maine 04901

http://www.KVCAP.org

Avesta Housing

307 Cumberland Avenue, Portland, Maine 04101

http://www.AvestaHousing.org

Opportunity Alliance

190 Lancaster Street, Portland, Maine 04101

http://www.OpportunityAlliance.org

Waldo County CAP

9 Field Street #201, Belfast, Maine 04915

https://WaldoCAP.org

Has the Participant consulted with localities or tribal governments (cities, counties, or rural communities) in

its jurisdiction regarding the needs of eligible homeowners in its jurisdiction?

Yes

Has the Participant provided an opportunity for public input regarding its HAF Plan through public hearings

or published materials?

Yes

If yes, please indicate whether a proposed or draft plan was published, please describe where details about the

comment solicitation were posted, for how long, in what languages, and whether any efforts were made to

make the posting accessible to persons with disabilities or individuals without reliable internet access.

Following receipt of the initial guidance, the Provider held virtual public information-gathering

meetings with interested parties, including such stakeholders as community action providers,

legal aid attorneys, tribal representatives and organizations, utility companies, HAF grantees in

other states, and mortgage servicers. Once a draft plan was developed, Participant posted and

publicized the draft plan between July 15 and July 21, 2021. The draft plan was presented in

English but it was delivered directly to all identified stakeholders including advocacy groups

representing diverse populations. Twenty-five individuals and groups, including homeowners,

counseling providers, advocates and public interest lawyers provided comments regarding the

draft plan. Feedback was also received from municipalities and utility providers. Information

obtained from all parties has been incorporated into the current final draft.

How Will the Participant Continue to Assess the Needs of Eligible

Homeowners?

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address

the needs of potentially eligible homeowners as economic conditions change over time.

Does the Participant plan to update its assessment of community needs within the next year to determine

whether its HAF program design should be updated to address changing needs of potentially eligible

homeowners?
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Yes

What additional data would be helpful to the Participant as it seeks to assess homeowner needs over time?

1) Default data from the Provider's existing foreclosure prevention hotline, intake and housing

counselor referral service; 2) Loan delinquency data from mortgage servicers, as well as

feedback from those servicers on the compatibility and usability of information in the common

data files (CDFs) provided by Participant; 3) Input from groups representing socially

disadvantaged homeowners about the participation rate in the program and whether the

application process presents unexpected barriers that can be overcome; 4) Input from

homeowners and utility companies on program usage, and mean and median delinquency

amounts; and 5) Input from homeowners and municipalities on program usage, and whether

HAF funds, plus tax abatements, result in discharge of pending tax liens.
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Program Design

What are the Program Design Elements Through Which the Participant Will

Deliver HAF Assistance to Eligible Homeowners?

A program design element is a specific activity or program, which is consistent with a qualified expense

category, under which a Participant will disburse HAF funds in accordance with the HAF Plan. Please note

that multiple program design elements may fit under a single qualified expense category; for example, a

mortgage assistance program that has different terms for federally backed mortgages and manufactured-home

mortgages may constitute two separate program design elements, for which case the Participant provides a

separate term sheet or other description for each program design element. 

HAF participants must have at least one program design element intended to reduce mortgage delinquency

among targeted populations. Treasury encourages HAF participants to consider program design elements that

address homeownership preservation for targeted populations in areas where there is a sustained trend of

increasing property taxes or utility costs, including for households that do not have mortgages.

Please identify each qualified expense category in which the Participant will offer a program design element

by checking the boxes below.

mortgage payment assistance 

 mortgage principal reduction, including with respect to a second mortgage provided by a nonprofit

or government entity 

 payment assistance for homeowner’s utilities, including electric, gas, home energy, and water 

 payment assistance for homeowner’s insurance, flood insurance, and mortgage insurance 

 payment assistance for delinquent property taxes to prevent homeowner tax foreclosures 

 payment assistance for down payment assistance loans provided by nonprofit or government

entities 

 financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related

costs related to a period of forbearance, delinquency, or default 

facilitating mortgage interest rate reductions 

 payment assistance for homeowner’s internet service, including broadband internet access service,

as defined in 47 CFR 8.1(b) 

 payment assistance for homeowner’s association fees or liens, condominium association fees, or

common charges 

 measures to prevent homeowner displacement, such as home repairs to maintain the habitability of

a home or assistance to enable households to receive clear title to their properties 
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For each program design element that the Participant will offer, the Participant is required to upload a term

sheet or other description, that, at a minimum, provides the following information regarding that program

design element. Term sheets for all of Participant’s HAF programs may be uploaded together as one

document.

Title Upload Date

Maine - Revised HAF Plan Term Sheets 11/17/2021 2:13 PM

Maine HAF Plan Responses to Treasury November 17 2021 11/17/2021 4:26 PM

Maine - HAF Plan Term Sheets 8/20/2021 12:49 PM

A HAF participant may elect to revise its HAF Plan over time to add or subtract program design elements.

Does the Participant anticipate adding additional program design elements to this HAF Plan within one year

of this submission?

Yes

Treasury has provided sample term sheets to assist HAF participants in developing their HAF plans.

Participants may use these sample term sheets, in whole or in part, as part of their submission. To the extent

the Participant intends to structure the program differently with respect to significant program terms

described in the Sample Term Sheets, Treasury will, in the course of its review of the HAF Plan, request a

justification for how the alternate approach will further the objectives of the HAF, including targeting and

prioritization requirements. In the chart below, the HAF Participant may provide a justification for significant

deviations from the terms described in the sample term sheets upon initial submittal. (optional for initial

submission)

Program Design Element Deviation from sample terms Justification

N/A Not applicable; no material deviations. N/A

Documentation of Homeowner Income

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have

incomes equal to or less than 150% of the area median income or 100% of the median income for the United

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than

100% of the area median income or equal to or less than 100% of the median income for the United States,

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine

homeowner income.

Under the HAF guidance, one permissible approach for determining income is for (1) the household to

provide a written attestation as to household income and (2) the HAF participant to use a reasonable

fact-specific proxy for household income, such as reliance on data regarding average incomes in the

household’s geographic area. Will the Participant allow income to be determined in this way?

Yes

If yes, please describe the fact-specific proxy or proxies to be used for the income determination.
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Since the primary goal of the program is to apply funds where they are needed, the Bureau will

consider fact-specific proxies (alternative evidence, affidavits or other written assertions and

assurances from homeowners) in those cases in which other written documentation is not

available, striving to apply the least restrictive standards that will maintain the integrity of the

program.

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities,

practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases,

the HAF participant is still responsible for making the required determination regarding household income

and documenting that determination. Will the Participant allow applicants to request such waivers or

exceptions?

Yes

Eligible Mortgage Types

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the

Participant’s program design elements.

 First Mortgages 

 Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or

Proprietary Reverse Mortgages) 

 Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security

interest in a dwelling) 

 Second Mortgages 

 Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements,

explain the exclusion.

Not applicable; no exclusions.

How Will the Participant Target HAF Resources Consistent with Statutory

Requirements? 

The Participant must describe how it will target HAF resources in accordance with the HAF guidance.

Targeting strategies are affirmative efforts to inform, encourage the participation of, and facilitate access to

resources for targeted households, including by offering multiple intake formats, engaging with nonprofit

organizations (e.g., housing counselors or legal services organizations) to provide additional pathways into

the program, and providing community outreach, partnerships with housing counseling agencies or legal aid

organizations, or other educational services that are aligned with the HAF participant’s program design, in a

manner that is culturally and linguistically relevant to the targeted communities.

Defining Socially Disadvantaged Individual

Please describe the process the Participant will use to determine whether a homeowner is a “socially

disadvantaged individual” as defined in the HAF guidance.
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As part of the application process, Participant will require an attestation from the applicant

regarding race and ethnicity. The application will explain that the information is necessary for

determination on the issue of preferential consideration for those who would benefit from a

presumption of social disadvantage. Responding will be optional, but at least in the initial stages

of the program, not responding will disqualify the applicant from consideration as socially

disadvantaged. We will revisit this issue, making efforts to discern whether there exist reliable

alternate indicators of the status in lieu of asking applicants to make a self-declaration, and will

propose modifications to the procedural aspect of the plan if appropriate.

Public Communications

Will the Participant engage in a public communications campaign to raise awareness among targeted

populations about the availability of HAF resources, in media such as television, newspapers, online media,

or social media?

Yes

If yes, please indicate whether the public communications campaign will include communications that

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land 

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

Please indicate in which languages, in addition to English, public communications to targeted populations

will be undertaken:

Spanish; Other

Please list any other languages.

French; Somali

Outreach

Will the Participant engage in outreach through partnerships with organizations that focus primarily on

serving homeowners earning incomes below 100% of area median income or socially disadvantaged

individuals and that have the capacity to engage targeted communities in a culturally and linguistically

relevant manner to encourage the submission of applications for HAF resources from targeted populations?

Yes
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If yes, please indicate whether the community outreach efforts will include partnerships with organizations

that primarily target the following populations:

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) individual with limited English proficiency; 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land;

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Please list any other languages.

French; Somali

Housing Counseling and Legal Services

Will the Participant facilitate access for eligible households to housing counseling or legal services?

Yes

If yes, please identify below the providers of housing counseling or legal services that have indicated to the

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s

HAF programs. 

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Waldo County CAP

9 Field Street , Belfast, Maine 04915

https://WaldoCap.org

Coastal Enterprises, Inc.

30 Federal Street , Brunswick, Maine 04011

http://www.CEIMaine.org

Opportunity Alliance

190 Lancaster Street , Portland, Maine 04101

http://www.OpportunityAlliance.org

Avesta Housing

307 Cumberland Avenue , Portland, Maine 04101

http://www.AvestaHousing.org
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Kennebec Valley CAP

101 Water Street , Waterville, Maine 04901

http://www.KVCAP.org

Western Maine Community Action

20A Church Street PO Box 200, East Wilton, Maine 04234

http://www.WMCA.org

Downeast Community Partners

248 Bucksport Road , Ellsworth, Maine 04605

http://www.DowneastCommunityPartners.org

Aroostook County Community Action

771 Main Street , Presque Isle, Maine 04769

https://ACAP-ME.org

York County Community Action Corp.

6 Spruce Street , Sanford, Maine 04073

https://YCCAC.org

Penquis CAP

262 Harlow Street PO Box 1162, Bangor, Maine 04402

http://www.Penquis.org

Community Concepts

240 Bates Street , Lewiston, Maine 04240

http://www.CCIMaine.org

Pine Tree Legal Assistance

PO Box 547 , Portland, Maine 04101

http://www.PTLA.org

Legal Services for the Elderly

5 Wabon Street , Augusta, Maine 04330

https://MaineLSE.org

Targeting specific groups of homeowners

Will the Participant conduct outreach specifically tailored to target potentially eligible households that:

 have mortgages or mortgage assistance contracts held or backed by the Participant? 

 have mortgages backed by any of the following agencies: Federal Housing Administration;

Department of Veterans Affairs; U.S. Department of Agriculture? 

 have privately held mortgages? 

What Efforts will be Made to Address Barriers to HAF Program Participation for

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?
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Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access,

including persons with limited English proficiency and those with disabilities.

Indicate all of the languages, in addition to English, in which the Participant’s HAF application and other

program documents will be made available.

Spanish; Other

Please list any other languages.

French; Somali

Will the Participant’s HAF applications and other program documents be provided in forms that are

accessible to persons with disabilities?

Yes
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Performance Goals

Treasury will consider the goals and benchmarks the Participant proposes to use to measure the effectiveness

of its programs, including whether those goals address the homeowner needs identified by the Participant, the

extent to which the goals are disaggregated by key homeowner characteristics as appropriate for the

jurisdiction, and whether they include a goal focused on reducing mortgage delinquency.

Please describe Participant’s goals and benchmarks for each of its programs with the following program

design elements.

Program

Design

Element

Metric of Success Goal

Mortgage

Reinstatement Numbers of mortgages reinstated.

25 reinstatements in first 3 months

after program operational; 50

reinstatements in subsequent 3-month

periods.

Facilitate

Mortgage

Interest Rate

Reduction

Numbers of households benefiting from

mortgage default resolution program

Fifteen loss mitigation completions in

first 3 months after program is

operational; 30 such loss mitigation

completions in subsequent 3-month

periods.

Payment

Assistance for

Delinquent

Property

Taxes

Numbers of households assisted by property tax

payment program, including liens released.

25 households assisted in first 3

months after program is operational;

50 households assisted in subsequent

3-month periods.

Payment

Assistance for

Homeowners

Utilities

Numbers of households assisted by utility

payment assistance

25 households assisted in first three

months after program operational; 50

households assisted in subsequent

3-month periods

Other

measures to

prevent

homeowner

displacement

Numbers of households benefiting from

insurance payment assistance, HOA fees,

condominium fees, or similar property charges

15 households assisted in first 3

months after program operational; 30

households assisted in subsequent

3-month periods.

Other

measures to

prevent

homeowner

displacement

Number of homeowners assisted/foreclosures

prevented solely through counseling or legal

services without payment of HAF funds to

resolve the homeowner's defaults or

delinquencies

10 households assisted in first 3

months after program operational; 20

households assisted in subsequent

3-month periods.
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Readiness

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan.

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan?

Yes

Does the Participant anticipate significant information technology system upgrades to implement this HAF

Plan?

Yes

Does the Participant have policies or procedures that govern the implementation of each HAF program

design element described in this HAF Plan?

No

If no, is a policy and procedure in development for each HAF program design element described in this HAF

Plan?

Yes

Will the Participant use HAF funds to assist eligible households through a program that was operational

before the Participant first received HAF funds?

No

Will the Participant use any third-party contractor or partner to conduct program administration (such as

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing

compliance) for some or all of the Participant’s HAF programs?

Yes

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or

partners that will conduct program administration?

No

Use of Initial Payment

If the Participant has already received any HAF funds from Treasury, provide the following information

about the use of such funds as of June 30, 2021.
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What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$0.00

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?

No

How much of the HAF funds that the Participant has received been obligated?

$1,400.00

Provide a brief description of how the Participant has used the HAF funds it has received.

Participant hired a Maine public interest attorney with housing expertise to review the draft plan

before it was posted and distributed for public comment. Participant is evaluating software

providers with specific similar experience (rental assistance, and budgeting/disbursement). As

soon as a contract is entered into with a software provider, negotiations with non-profit

organizations will continue and conclude, and contracts will be drafted and signed, since the

capabilities of the software system will dictate the roles of the nonprofit partners.
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Budget

Budgeting of HAF Funds by Program Design Element 

Specify the amounts of HAF funds that the Participant proposes to allocate to each of the following program

design elements, if offered:

Measure Amount

Mortgage Payment Assistance $0.00

Mortgage Principal Reduction $5,000,000.00

Payment Assistance for Homeowner’s Internet Service $100,000.00

Payment Assistance for HOA fees or liens $500,000.00

Payment Assistance for Delinquent Property Taxes $4,500,000.00

Mortgage Reinstatement $24,000,000.00

Facilitate Mortgage Interest Rate Reduction $5,000,000.00

Payment Assistance for Homeowner’s Insurance $1,000,000.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $2,500,000.00

Other measures to prevent homeowner displacement

Measure Amount

Not applicable; all forms of planned assistance covered above. $0.00

Displacement Prevention Sub-Total $42,600,000.00

Counseling or Legal Services

The Participant may allocate up to 5% of its HAF funds for counseling or educational efforts by housing

counseling agencies approved by the Department of Housing and Urban Development or a tribal government,

or legal services, target to households eligible to be served with funding from the HAF related to foreclosure

prevention or displacement.
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Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $1,500,000.00

Legal Services $1,000,000.00

Services Sub-Total $2,500,000.00

Reimbursement of Funds Expended After January 21, 2020

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF

for a qualified expense (with certain limitations, as set forth in the HAF guidance).

Type of Expense Amount

Not applicable; Maine is not seeking any such reimbursement under the guidance. $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

Contracts with nonprofits to assist and counsel homeowners $2,000,000.00

Limited period position to administer program $125,000.00

Ongoing planning and needs assessment to ensure program continues to meet the needs of

Maine homeowners $500,000.00

Development, operation and management of software to offer online application for

homeowners, encompassing several languages, and with the capability to allow

nonprofits to assist homeowners, the Participant to monitor the process, and common data

files to be delivered to mortgage servicers.

$1,275,000.00

Outreach through presentations, television, print media, public service announcements

and social media

$1,000,000.00

Administrative Expenses Sub-Total $4,900,000.00

Total Plan Requested Amount $50,000,000.00
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Amount Requested Confirmation:

Yes
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Contacts

Please identify up to three contacts for the Participant- a primary contact, a designated point of contact for

reporting, and an additional contact.

Primary Contact

Name: William N. Lund

Agency/Office: Maine Bureau of Consumer Credit Protection

Email: william.n.lund@maine.gov

Phone Number: 2076248527

Reporting Contact

Name: Mark Susi

Agency/Office: Maine Bureau of Consumer Credit Protection

Email: mark.e.susi@maine.gov

Phone Number: 2076248527

Additional Contact

Name: Steven Lemieux

Agency/Office: Maine Office of Consumer Credit Protection

Email: steven.lemieux@maine.gov

Phone Number: 2076248527

Proprietary or Otherwise Non-Public Information

Does your plan submission include any information or materials that are proprietary or otherwise non-public?

No

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.

N/A
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Title VI Assurances

You must provide on behalf of the HAF Participant assurances that the HAF Participant will comply with

Title VI of Civil Rights Act of 1964. Please download the assurances, then review, sign, and upload the

signed copy to this page before submitting the HAF Plan.

Title Upload Date

Maine Assurance Compliance Title 3 SIGNED001 8/16/2021 8:30 PM
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Official Certification

I (the undersigned) certify that the information provided in the HAF submission is accurate and complete

after reasonable inquiry of people, systems, and other information available to the HAF Participant. The HAF

participant and I acknowledge that any materially false, fictitious, or fraudulent statement or representation

(or concealment or omission of material fact) in this submission may be the subject of criminal prosecution

under the False Statements Accountability Act of 1996, as amended, 18 U.S.C. § 1001 and also may subject

me and HAF Participant to civil penalties and/or administrative remedies for false claims or otherwise,

(including 31 U.S.C. §3729 et seq.). I am an authorized representative of HAF Participant with authority to

make the above certifications and representations on behalf of the HAF Participant.

Name of HAF Participant:

Maine Bureau of Consumer Credit Protection

Name and Title of Certifying Official

Name: William N. Lund

Title: Superintendent, Maine Bureau of Consumer Credit Protection

Telephone: 2076248527

Email: william.n.lund@maine.gov