HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 1 of 23

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by State of West Virginia

HAF Grantee Plan Name

HAFP-0095
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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 2/10/2022 11:04 AM

Total Plan Requested Amount $50,000,000.00

Record Type State

Application Record SLT-0142

HAF Grantee Plan Status (external) Approved
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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.

• Data provided by the WVHDF – The WVHDF is the largest loan servicer in the State servicing

$873 million in single family mortgage loans. Most of these loans are mortgage revenue bond

loans which programmatically meet the HAF eligibility requirements. Also included are loans

serviced on behalf of FNMA. Data was provided including information on mortgage

delinquencies and forbearances, and breakdowns by demographic factors. Data from the

WVHDF and other mortgage servicers was used to determine average monthly PITI payments,

average reinstatement amounts and other information to develop the program design elements.

The WVHDF reviewed delinquency statistics in its portfolio across racial and ethnic groups and

reviewed census data relating to demographics and poverty levels in the State. 

• Data from on Mortgage Servicing – The WVHDF solicited input from other loan servicing

organizations for information on WV mortgages in their portfolios. This data was used to

determine the number of delinquent WV mortgages and average reinstatement amounts and

average monthly payments. 

• US Census, ACS 5-year est 2015 - 2019: Owner-Occupied Housing Types; Homeownership and

Homeownership Rates by Race/Ethnicity; Households in Owner-Occupied Housing Units by

Mortgage Status.

• HMDA-LAR: Share of Government-Secured Mortgages by Counties/Regions; Share of Loan

Originations to Low-Income Households; Share of Loan Originations to Low- and

Middle-Income Households of Color; Loan Originations by Mortgage Type; Debt-to-Income

Rations for Originated Loans

• ATL Federal Reserve, MAPD: Forbearance & Delinquency Rates;

• CDC, ATSDR: Social Vulnerability Index (SVI) by County.

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.
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Socially disadvantaged individuals are those whose ability to purchase or own a home has been

impaired due to diminished access to credit on reasonable terms as compared to others in

comparable economic circumstances, based on disparities in homeownership rates in a HAF

participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from

circumstances beyond their control. The WVHDF HAF program will consider the following as

socially disadvantaged individuals:

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

American Society

• Residents of majority-minority Census tract

• Individuals with limited English proficiency

• Individuals who live in persistent poverty counties as defined in the HAF guidance

It should be noted that WV lacks diversity. An August 2021 report by US News and World

Report ranks WV as the 2nd least diverse state in the country. Recent census data indicates that

93.1% of WV’s population identifies as white, followed by 3.7% African African American with

the remaining percentage spread across other ethnic groups. Using delinquency information in

the WVHDF loan portfolio, data indicates that although only 6.9% of WV residents identify as a

minority, minority households make up 9.4% of the portfolio delinquencies This information was

taken into consideration when developing the WV program.

In addition to racial and ethnic groups, the WVHDF HAF program will target residents of

counties identified as persistent-poverty counties. The poverty rate in WV is 15.8% compared to

11.4% nationally. Additionally, WV ranks 49th in state median income at $46,711. As defined in

the guidance, 13 WV counties meet the persistent poverty definition. 

WV has the highest homeownership rate in the country at 73.2%. Overwhelmingly, 96.4% of

homeowners identify as white. Although 6.9% of WV population identifies as nonwhite, this

segment of the population accounts for only 3.6% of homeowners according to ACS

demographic and housing.

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

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

• Utility Data – The WVHDF HAF program will provide a maximum of $2500 per household

toward delinquent home energy, water, and wastewater utilities. This amount was determined

through an analysis of the utility costs paid under the ERA program and then increased by a

factor of .75 to account for higher utility costs for a home vs. a smaller rental unit. This average,

as adjusted is $735. However, as evidenced in the ERA, some delinquencies can be much higher.

However, U.S. Treasury HAF guidance stated that program design should leverage utility

assistance from other federal programs specifically created for this purpose. The WVHDF will

provide links and information on other utility program providers on its website and through

social media. Following program launch, if program performance data reveals this amount is

insufficient, an adjustment will be made.

Property Tax - The WVHDF reviewed its loan portfolio data and area property tax amounts to

determine average area property taxes.
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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.

WV was not a hardest hit fund state and therefore did not have previous program data. The

WVHDF has engaged consultants with hardest hit experience to assist in program design.

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

Complete list provided in Appendix to Term Sheet

5710 MacCorkle Ave SE ,CHARLESTON,West Virginia 25304

http://www.wvhdf.com

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

Appendix to Term Sheet provides full list

5710 MacCorkle Ave SE, CHARLESTON, West Virginia 25304

http://www.wvhdf.com

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?

No

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.

The HAF Plan was posted on the WVHDF website requesting public comment. A virtual public

hearing (with phone access) was held June 22, 2021, providing a summary of the HAF program

and seeking input and comments. Notice of the public meeting was posted to the WV Secretary of

State per WV open meeting requirements and on the WVHDF website. A draft Plan was

published on the WVHDF website approximately 2 weeks prior to the public meeting with public

comments accepted through June 21, 2021 by e-mail. Numerous community-based organizations

were provided a draft plan copy so that they could inform the communities. Numerous loan

servicing organizations were provided a draft plan, notified of the public meeting and invited to

comment. On June 6, 2021, a meeting was held with a group of non-profit housing organizations

to gain input into the development of the draft plan in addition to the public meeting.

WV has not received any formal comments from the public since the public meeting. The

WVHDF has received inquiries regarding when the program will be available through both

social media and phone calls to our office. We are informing the public through our website and

social media when we expect the program to open in the first quarter of 2022. We have also

received several informal questions from our housing partners about the program guidelines that

we have answered. We remain open to any idea or suggestion to improve the program.
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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?

Yes

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

Monthly delinquency and loan reinstatement information from loan servicing organizations will

be key to determine if program adjustments are needed. Monthly data will be evaluated to

determine participation of socially disadvantaged individuals and adjustments to outreach will

be made accordingly.
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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

Treasury Term Sheet Final 9/21/2021 1:03 PM

HAF Term Sheets Treasury Revised 12-16-2021 12/15/2021 3:08 PM

West Virginia_HAF-0095_Feedback_11-18-2021 Responses 12/15/2021 3:02 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

Mortgage

Reinstatement

Program

Applicant will not be required to pursue loss

mitigation prior to seeking assistance

Detailed justification provided

with term sheets uploaded.

All Design

Elements

All design elements will allow manufactured

housing affixed or unaffixed to real property.

Detailed justification provided in

uploaded term sheet document.

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?
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Yes

If yes, please describe the fact-specific proxy or proxies to be used for the income determination.

The HAF will compare residence zip code with areas of the state with average AMI below the

100% US AMI similar to the ERA program. The HAF will also allow for proxy based on

eligibility for federal aid programs such as TANF for automatic income eligibility. Written

attestation will be allowed. Homeowners with loans funded through the WV mortgage revenue

bond program will be assumed to be income eligible by proxy.

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.

None excluded

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.
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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.

Socially disadvantaged individuals are those whose ability to purchase or own a home has been

impaired due to diminished access to credit on reasonable terms as compared to others in

comparable economic circumstances, based on disparities in homeownership rates in a HAF

participant’s jurisdiction as documented by the U.S. Census. The impairment must stem from

circumstances beyond their control. The WVHDF HAF program will consider the following as

socially disadvantaged individuals:

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

American Society

• Residents of majority-minority Census tract

• Individuals with limited English proficiency

• Individuals who live in persistent poverty counties as defined in the HAF guidance

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

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?
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Yes

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. 

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

See Addendum to Term Sheet Document

5710 MacCorkle Ave SE , CHARLESTON, West Virginia 25304

http://www.wvhdf.com

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? 
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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?

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

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

Payment

Assistance for

Homeowner’s

Internet

Service

Provide assistance to all eligible

homeowner applicants for internet

service.

Assist 150 households in first six months or all

eligible applications received whichever is less

Payment

Assistance for

Down

Payment

Assist. Loans

Reduce or eliminate second lien DPA

loan delinquencies for eligible

applicant homeowners

Assist 150 households in first six months or all

eligible applications received whichever is less

Payment

Assistance for

Homeowners

Utilities

Reduce threat of utility loss to promote

livability.

Assist 150 households in first six months or all

eligible applications received whichever is less

Mortgage

Reinstatement

Reinstate mortgage delinquency to

reduce housing instability and provide

path forward to take full advantage of

all loan modifications if needed.

Assist 50 HH in first six months or all eligible

applications, whichever is less. .

Mortgage

Payment

Assistance

Provide housing stability for those

needing on-going assistance and time to

work with loan servicers.

Assist 25 HH in first six months or all eligible

applications, whichever is less.

Payment

Assistance for

Delinquent

Property

Taxes

Eliminate tax delinquencies for

homeowners to reduce risk of home

loss due to tax foreclosures

Assist 50 HH in first six months or all eligible

applications received whichever is less
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Payment

Assistance for

Homeowner’s

Insurance

Ensure continued insurance coverage

for at risk households

Assist 75 HH in first six months or all eligible

applications received, whichever is less

Payment

Assistance for

HOA fees or

liens

Eliminate delinquent HOA fees for at

risk households

Assist 20 HH in first six months or all eligible

applications received, whichever is less

Payment

Assistance for

Homeowner’s

Internet

Service

Provide all eligible applicants with

$300 internet stipend.

Provide assistance to 2700 households with

1080 in 2022, 810 in 2023, 540 in 2024 and

270 in 2025. Goal

assumes most assistance will occur in first two

years of program.

Payment

Assistance for

Down

Payment

Assist. Loans

Reduce or eliminate second lien DPA

loan delinquencies for eligible

applicant homeowner

Provide assistance to 300 households with 120

in 2022, 90 in 2023, 60 in 2024 and 30 in 2025.

Goal assumes most assistance will occur in first

two years of program.

Payment

Assistance for

Homeowners

Utilities

Reduce threat of utility loss to promote

livability

Provide assistance to 2700 households with

1080 in 2022, 810 in 2023, 540 in 2024 and

270 in 2025. Goal assumes most assistance will

occur in first two years of program.

Mortgage

Reinstatement

Reinstate mortgage delinquency to

reduce housing instability and provide

path forward to take full advantage of

all loan modifications if needed.

Provide assistance to 2100 households with 840

in 2022, 630 in 2023, 420 in 2024 and 210 in

2025. Goal assumes most assistance will occur

in first two years of program.

Mortgage

Payment

Assistance

Provide housing stability for those

needing on-going assistance and time to

work with loan servicers.

Provide assistance to 1050 households with 420

in 2022, 315 in 2023, 210 in 2024 and 105 in

2025. Goal assumes most assistance will occur

in first two years of program.

Payment

Assistance for

Delinquent

Property

Taxes

Eliminate tax delinquencies for

homeowners to reduce risk of home

loss

Provide assistance to 2000 households with 800

in 2022, 600 in 2023, 400 in 2024 and 200 in

2025. Goal assumes most assistance will occur

in first two years of program.

Payment

Assistance for

Homeowner’s

Insurance

Ensure continued insurance coverage

for at risk households

Provide assistance to 2000 households with 800

in 2022, 600 in 2023, 400 in 2024 and 200 in

2025. Goal assumes most assistance will occur

in first two years of program.

Payment

Assistance for

HOA fees or

liens

Eliminate delinquent HOA fees for at

risk households

Provide assistance to 500 households with 200

in 2022, 150 in 2023, 100 in 2024 and 50 in

2025. Goal assumes most assistance will occur

in first two years of program.
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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?

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?

Yes

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.

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?
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No

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

$304,291.44

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

As of January 31st the WVHDF has only obligated admin funds to develop application portal

and program development actives.
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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 $5,670,000.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $810,000.00

Payment Assistance for HOA fees or liens $375,000.00

Payment Assistance for Delinquent Property Taxes $3,600,000.00

Mortgage Reinstatement $21,000,000.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $4,000,000.00

Payment Assistance for Down Payment Assist. Loans $150,000.00

Payment Assistance for Homeowners Utilities $4,860,000.00

Other measures to prevent homeowner displacement

Measure Amount

none $0.00

Displacement Prevention Sub-Total $40,465,000.00

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.
HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 19 of 23

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $1,785,000.00

Legal Services $250,000.00

Services Sub-Total $2,035,000.00

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

None $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

Direct and Indirect Salary Costs $1,587,242.57

Application and related software $750,000.00

Program Assistance (application review, etc.) Contractor $3,750,000.00

Help Line $30,000.00

Legal $20,000.00

Equipment $25,000.00

Supplies and Postage $45,157.43

Advertising, Outreach and Promotion $750,000.00

Utility Payment Assistance Contractor $291,600.00

Training, temp personnel and misc $251,000.00

Administrative Expenses Sub-Total $7,500,000.00
HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 20 of 23

Total Plan Requested Amount $50,000,000.00

Amount Requested Confirmation:

Yes
HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 21 of 23

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: ERICA BOGGESS

Agency/Office: WV Housing Development Fund

Email: eboggess@wvhdf.com

Phone Number: 3043918638

Reporting Contact

Name: Chad Leport

Agency/Office: WV Housing Development Fund

Email: cleport@wvhdf.com

Phone Number: 3043918644

Additional Contact

Name: Jessica Greathouse

Agency/Office: WV Housing Development Fund

Email: jgreathouse@wvhdf.com

Phone Number: 3043918668

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.
HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 22 of 23

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

HAF Title VI Compliance 9/21/2021 4:09 PM
HAF Grantee Plan - HAFP-0095 -State of West Virginia - Extracted 02/24/2022 16:32:07 Page 23 of 23

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:

State of West Virginia

Name and Title of Certifying Official

Name: ERICA BOGGESS

Title: Erica Boggess

Telephone: 3043918638

Email: eboggess@wvhdf.com