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United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Arizona Department of Housing

HAF Grantee Plan Name

HAFP-0106
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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 12/21/2021 5:12 PM

Total Plan Requested Amount $196,984,339.00

Record Type State

Application Record SLT-0008

HAF Grantee Plan Status (external) Approved

Review Status (internal) Decision Committee 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.

During its planning process, ADOH obtained information from the National Fair Housing

Alliance (NFHA) 2020 Fair Housing Trends Report that provided data on Racial Discrimination

in home buying, access to basic utilities, and segregation in affordable housing. The report states

that there was a small decline in the number of housing discrimination complaints from an

all-time high in 2018 to a still significant 28,880 in 2019.

There were 28,880 reported complaints of housing discrimination in the U.S. in 2019. This is a

reduction of approximately 7.5 percent from 2018’s total of 31,202, which was the largest total

since NFHA began releasing Trends Reports in the early 1990s.

The complaint numbers for 2019 are consistent with the number of complaints filed in recent

years, with the exception of 2018. Of the 2019 complaints, 21,117 (73.12 percent) were processed

by fair housing organizations (FHOs), as compared to 1,771 complaints processed by HUD, 5,953

processed by FHAP agencies, and 39 cases processed by DOJ.

National Fair Housing Alliance. (2020). Fair Housing In Jeopardy. 

https://nationalfairhousing.org/wp-content/uploads/2020/09/NFHA-2020-Fair-Housing-Trends-Report.pdf

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.

Hardest Hit Fund Performance data: Participant operated a HHF program and used data and

experience from this program to create the HAF program design and ultimately made the

decision to fully outsource to a qualified vendor. Fully outsourcing is a key difference between

HAF fund implementation and HHF implementation. ADOH will be using an online application

and payment system to streamline processes and deliver HAF assistance quickly. Additionally,

ADOH will be using templates and implementing procedures that have been developed
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collaboratively for HAF by the National Council of State Housing Agencies (NCSHA) and

mortgage servicers.

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.

The State has established relationships with utility providers during the implementation of its

Emergency Rental Assistance Program (ERAP). ADOH will use the same contracted partner

that formed the ERAP infrastructure to remit assistance for approved applicants to utility

providers. 

Cities in the largest metro area “the Valley” recently reported over 50,000 residential and

business utility delinquencies. The number of electric and gas delinquencies is unknown but

assumed to be similar. Most water and electric utilities have extended pandemic suspensions of

disconnections through the summer months and will resume disconnections in October 2021.

Arizona Republic – Primary Newspaper in Arizona

February 2, 2021 - Over 50,000 residents and businesses in the Valley are behind on utility bills 

Arizona Public Service – Arizona’s largest electricity supplier’s website

“We recognize the financial impact many of our customers have been facing and we’re here to

help. We are suspending service disconnections and waiving late fees from June 1, 2021, to

October 15, 2021"

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.

Under “Best Practices and Coordination with Other HAF Participants”. The plan for

improvement and clearly taking note of HHF challenges were top priority for ADOH while

developing the HAF plan. The following were taken into consideration while comparing HAF

distribution to HHF distribution.

1. Begin assistance with Reinstatement of delinquency;

2. Simple documentation requirements;

3. Structure HAF assistance to be in the form of a Grant;

4. Established infrastructure before program rollout; and

5. Outsource the program as a whole.

The need for a pilot program was not necessary since over the course of the last ten (10) years

ADOH has administered $303,278,099.00 in funds for the U.S. Department of Treasury’s

Hardest Hit Funds program; these federal funds were used to assist with foreclosure prevention

& down payment assistance programs. ADOH complied with all of the U.S. Department of

Treasury’s requirements and in the course of the program, ADOH assisted a total of 11,689

homeowners facing foreclosure through principal reduction, second mortgage settlement,

reinstatement / unemployment / underemployment assistance, short sale assistance, and down

payment assistance. A total of $269,707,494.00 dollars were committed through Hardest Hit

Funding to assist these homeowners and provided housing and market stability.
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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.
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Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Trellis Community Development

1405 E McDowell Rd ,Phoenix,Arizona 85006

https://trellisaz.org/

Northern Arizona Council of Governments (NACOG)

119 E Aspen Ave ,Flagstaff,Arizona 86004

https://nacog.org/

Comite De Bien Estar, Inc.

963 B St ,San Luis,Arizona 85349

https://www.comiteaz.com/

Take Charge America

20620 North 19th Ave. ,Phoenix,Arizona 85027

https://www.takechargeamerica.org/

Southeastern Arizona Governments Organization (SEAGO)

1403 AZ-92 ,Bisbee,Arizona 85603

https://www.seago.org/

Pio Decimo Center Catholic Community Services

848 S 7th Ave ,Tucson,Arizona 85701

https://www.ccs-soaz.org/agencies-ministries/de...

Housing Solutions of Northern Arizona

2304 N 3rd St ,Flagstaff,Arizona 86004

https://www.housingnaz.org/

Community Action Human Resources Agency (CAHRA)

109 N Sunshine Blvd ,Eloy,Arizona 85131

https://www.cahra.org/

Administration of Resources & Choices

5800 W Glenn Dr Suite 330 ,Glendale,Arizona 85301

https://arc-az.org/

Chicanos Por La Causa

1112 E. Buckeye Rd. ,Phoenix,Arizona 85034

https://cplc.org/

Pima County Community Land Trust (PCCLT)

17 N. Linda Avenue ,Tucson,Arizona 85745

https://www.pcclt.org/

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

organizations or organizations that serve potentially eligible homeowners?

Yes
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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

City of Phoenix Human Services Department

200 W Washington St, Phoenix, Arizona 85003

https://www.phoenix.gov/humanservices

City Manager’s Office – City of Phoenix

200 W Washington St, Phoenix, Arizona 85003

https://www.phoenix.gov/citymanager

Pima County Community Action Agency

2797 E Ajo Way, Tucson, Arizona 85713

https://webcms.pima.gov/cms/one.aspx?pageId=24795

Maricopa County Human Services Department

234 N Central Ave#3000, Phoenix, Arizona 85004

https://www.maricopa.gov/5270/HumanServices

Western Arizona Council of Governments (WACO)

1235 S Redondo Center Dr, Yuma, Arizona 85365

https://www.wacog.com/

Arizona Housing Coalition

1495 E Osborn Rd, Phoenix, Arizona 85014

https://www.azhousingcoalition.org/

Wildfire AZ

340 E Palm LaneSte 315, Phoenix, Arizona 85004

https://wildfireaz.org/

Family Housing Resources

3503 N Campbell AveSte 501, Tucson, Arizona 85719

https://www.fhrtucson.org/

Genesis Housing Services

PO Box 1555, Higley, Arizona 85236

https://genesishs.org/

Newtown CDC/CLT

2106 E Apache Blvd#112, Tempe, Arizona 85281

https://newtowncdc.org/
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Pima County Community Land Trust (Pima County CLT)

17 N Linda Ave, Tucson, Arizona 85745

http://N/A

NID Housing Counseling Agency (AZ) (NIDHCA)

2111 E HighlandSte 240, Phoenix, Arizona 85016

https://www.nidhousing.com/ Y

Administration of Resources & Choices

5800 W Glenn Dr Suite 330, Glendale, Arizona 85301

https://arc-az.org/

AZCEND

345 S California St.,, Chandler, Arizona 85225

https://azcend.org/

Chicanos Por La Causa

1112 E. Buckeye Rd., Phoenix, Arizona 85034

https://cplc.org/

Old Pueblo Community Services

4501 East 5th Street UNIT 1,, Tucson, Arizona 85711

https://helptucson.org/

Coconino County Community Services Department

2625 N King St, Flagstaff, Arizona 86004

https://www.coconino.az.gov/143/Community-Services

City of Glendale CAP

5850 W Glendale Ave,, Glendale, Arizona 85301

https://www.glendaleaz.com/live/city_services/c...

Comite De Bien Estar, Inc.

963 B St,, San Luis, Arizona 85349

https://www.comiteaz.com/

Community Action Human Resources Agency (CAHRA)

109 N Sunshine Blvd,, Eloy, Arizona 85131

https://www.cahra.org/

Gila County CAP

107 W Frontier St C,, Payson, Arizona 85541

https://www.gilacountyaz.gov/government/communi...

Housing Solutions of Northern Arizona

2304 N 3rd St,, Flagstaff, Arizona 86004

https://www.housingnaz.org/

Mesa Community Action Network

635 E Broadway Rd.,, Mesa, Arizona 85204

https://www.turnanewleaf.org/
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Pio Decimo Center Catholic Community Services

848 S 7th Ave,, Tucson, Arizona 85701

https://www.ccs-soaz.org/agencies-ministries/de...

Northern Arizona Council of Governments (NACOG)

119 E Aspen Ave,, Flagstaff, Arizona 86001

https://nacog.org/

Southeastern Arizona Governments Organization (SEAGO)

1403 AZ-92, Bisbee, Arizona 85603

https://www.seago.org/

Take Charge America

20620 North 19th Ave., Phoenix, Arizona 85027

https://www.takechargeamerica.org/

The Primavera Foundation, Inc.

151 W. 40th St.,, Tucson, Arizona 85713

https://www.primavera.org/

Trellis Community Development

1405 E McDowell Rd,, Phoenix, Arizona 85006

https://trellisaz.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.

To solicit input on the draft plan, ADOH held a 7-day public comment period and hosted two

virtual public hearings on September 8, 2021 and September 10, 2021. The draft plan was posted

to the ADOH website, with paper copies available upon request. Additionally, given the high

number of Spanish speaking households in AZ, ADOH also posted a Spanish translation of the

draft plan. During each hearing, ADOH presented information on the plan including eligibility

requirements, documentation requirements, disbursement priorities, processes, and

opportunities for partnership. ADOH solicited comments from members of the public via email

and the public hearings. ADOH advertised these hearings in the State’s primary newspapers, on

its website, an e-mail blast to community partners, and all social media outlets available to the

Department (Facebook, Twitter, etc.). In addition to providing information about the public

hearings, the advertisements allowed submission of comments in writing to a designated ADOH

email, HAFComments@azhousing.gov. 

Questions and comments were submitted to ADOH during the 7-day public comment period. A
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total of 35 questions were directly addressed by ADOH and provided insight to the proposed
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program components, funding allocations to rural communities, as well as requests for

clarification on sections of the posted draft plan. All questions were answered verbally in the

public meeting, when possible, and were summarized and posted with a written response.

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?

 Data on manufactured housing loans

 Monthly data from servicers on loan delinquency

 Fair Housing Trends Reporting
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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

HAF Plan - vFINAL Plan with Term Sheets 11.2021 11/24/2021 2:22 PM

ADOH RESPONSE for Resubmission of Plan 11/24/2021 2:02 PM

HAF Plan - vFINAL Plan with Term Sheets 09.2021 10/4/2021 2:06 PM

HAF Plan - vFINAL 08.2021 (1) 8/19/2021 3:30 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

NA NA NA

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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(1) The application intake process always requires an applicant to provide a self-attestation of

income; (2) The system asks the applicant for their stated income along with one form of income

documentation; (3) If the applicant provides documentation, we will use it to verify their income;

(4) If no documentation is provided, we will rely on attestation and proxy; (5) At the time of

application a fact-specific proxy is ran looking for the median household income within the zip

code of the property that is requesting assistance and against the 150% HUD AMI limits set for

the program; (6) Upon the return of fact - the median household income within the zip code is

confirmed to be within the county AMI limits the need for income documentation is waived.

Geographic Area – AZ Zip Codes & County of the primary residence

Data sources of population-level income data – Income by Zip Code, the site uses the most

current US Census Bureau income statistics for United States Zip Codes (

https://www.incomebyzipcode.com/) and Department of Housing and Urban Development

(HUD) Area Median Income (AMI) limits (

https://www.huduser.gov/portal/datasets/il/il2021/select_Geography_haf.odn)

In the application programming, the address is searched to ensure its geographic county and zip

code is correctly identified. ADOH's program identifies HUD AMI for that county and compares

the median household income within the property's zip code to the AMI. The applicant is eligible

if the zip code median income is less than 150% of AMI. If the zip code median income falls

below 100% AMI, the proxy would return "High Priority" and result in prioritization

processing of that application. Applications deemed eligible by this proxy will be adjudicated

without the need to provide income documentation.

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

explain the exclusion.

NA

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.

(1) Member of a group that has been subjected to racial or ethnic prejudice or cultural bias

within American society;

(2) Resident of a majority-minority Census tract; 

(3) Individual with limited English proficiency; 

(4) Resident of a U.S. territory, Indian reservation, or Hawaiian Home Land, or 

(5) Individual who lives in a persistent poverty county, meaning any county that has had 20% or

more of its population living in poverty over the past 30 years as measured by the three most

recent decennial censuses. 

ADOH is using census tract information to identify high minority communities and the Mortgage

nonpayment’s by State tool on the website for the Federal Reserve Bank of Atlanta: 

https://www.atlantafed.org/center-for-housing-and-policy/data-and-tools/mortgage-analytics-and-perform

to identify counties with high delinquency rates. Marketing and outreach efforts will be specific

to those communities and will be language and culturally appropriate. Specific targeting and

outreach events for these communities will be coordinated with contracted Housing Counseling

Agencies and Community Action Agencies. ADOH is encouraging contracted local housing

counseling and community action agencies to use their special relationships with low income and

minority communities to overcome any hesitancy about a government program, documentation

requirements, or lack of experience with technology.

Although ADOH has created its HAF plan to be available to individuals who are at or below

150% AMI, it intends to prioritize assistance to Socially Disadvantaged Individuals by

establishing prioritization within the application intake system where adjudication priority will

be given to those households that are at or below 100% AMI.

Public Communications
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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?

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
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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. 
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Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Administration of Resources & Choices

5800 W Glenn Dr Suite 330 , Glendale, Arizona 85301

https://arc-az.org/

Take Charge America

20620 North 19th Ave. , Phoenix, Arizona 85027

https://www.takechargeamerica.org/

Genesis Housing Services

PO Box 1555 , Higley, Arizona 85236

https://genesishs.org/

Chicanos Por La Causa

1112 E. Buckeye Rd. , Phoenix, Arizona 85034

https://cplc.org/

Pima County Community Land Trust (Pima County CLT)

17 N Linda Ave , Tucson, Arizona 85745

https://www.pcclt.org/

Western Arizona Council of Governments (WACOG)

1235 S Redondo Center Dr , Yuma, Arizona 85365

https://www.wacog.com/

Gila County CAP

107 W Frontier St C , Payson, Arizona 85541

https://www.gilacountyaz.gov/government/communi...

Family Housing Resources

3503 N Campbell Ave Ste 501 , Tucson, Arizona 85719

https://www.fhrtucson.org/

Catholic Community Services of Southern Arizona, Inc.

848 S 7th Ave , Tucson, Arizona 85701

https://www.ccs-soaz.org/agencies-ministries/de...

Housing Solutions of Northern Arizona

2304 N 3rd St. , Flagstaff, Arizona 86004

https://www.housingnaz.org/

NID Housing Counseling Agency (AZ) (NID-HCA)

2111 E. Highland, Ste. 240 , Phoenix, Arizona 85016

https://www.nidhousing.com/

The Primavera Foundation, Inc.

151 W. 40th St. , Tucson, Arizona 85713

https://www.primavera.org/
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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?

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
Page 20 of 27

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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

Avoid utility/internet

service disconnections.

Prevent 4,600 households from utility/internet

disconnection within 24 months; Targeting Vulnerable

Groups; and Reducing Mortgage Delinquencies

Payment

Assistance for

Homeowners

Utilities

Avoid utility/internet

service disconnections.

Prevent 4,600 households from utility/internet

disconnection within 24 months; Targeting Vulnerable

Groups; and Reducing Mortgage Delinquencies

Payment

Assistance for

HOA fees or liens

Avoid home loss due to

delinquent association fees

& lien delinquencies

Prevent 1,250 homes from falling into foreclosure

within 24 months; Targeting Vulnerable Groups; and

Reducing Mortgage Delinquencies

Mortgage

Reinstatement

Avoid home losses due

mortgage delinquency.

Prevent 6,600 home losses within 24 months;

Targeting Vulnerable Groups; and Cure Mortgage

Delinquencies.

This component will include insurance assistance

payment (homeowners, flood, and/or mortgage).

Payment

Assistance for

Delinquent

Property Taxes

Avoid taxrelated

delinquencies at risk of

displacement.

Prevent 1,250 homes from falling into foreclosure

within 24 months; Targeting Vulnerable Groups; and

Reducing Mortgage Delinquencies

Mortgage

Payment

Assistance

Further assist households in

addition to the 12 month

delinquencies previously

paid.

Allow 7,100 households additional funding to regain

stability within 24 months; Targeting Vulnerable

Groups; and Preventing Further Mortgage

Delinquencies

Other measures to

prevent

homeowner

displacement

Address mortgage

delinquencies via other loss

mitigation measures

Prevent 1,000 home losses without the use of HAF for

mortgage delinquencies
Page 21 of 27

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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?

No

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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HAF Grantee Plan - HAFP-0106 -Arizona Department of Housing - Extracted 01/24/2022 13:44:40

Yes

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

$0.00

How many households have applied for HAF assistance?

1,744

How many households has the Participant provided with housing counseling or legal services using HAF

funds?

0

How many households has the Participant provided with assistance using HAF funds?

0

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

To date ADOH has drawn down a total of $4,480,432.97 of the initial 10% payment disbursed to

the Department and holds a balance of $15,218,000.93. Disbursements were for agreed upon

milestone and deliverables for the Financial Assistance Management System (FAMS) to vendor

Speridian, public hearing announcement published in local newspapers, and program flyers.
Page 23 of 27

HAF Grantee Plan - HAFP-0106 -Arizona Department of Housing - Extracted 01/24/2022 13:44:40

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 $29,800,000.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $9,000,000.00

Payment Assistance for Delinquent Property Taxes $9,000,000.00

Mortgage Reinstatement $111,200,000.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $3,000,000.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $18,000,000.00

Other measures to prevent homeowner displacement

Measure Amount

Prevent 1,000 home losses without the use of HAF for mortgage delinquencies while

addressing mortgage delinquencies via other loss mitigation measures $0.00

Displacement Prevention Sub-Total $180,000,000.00

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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HAF Grantee Plan - HAFP-0106 -Arizona Department of Housing - Extracted 01/24/2022 13:44:40

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $0.00

Legal Services $0.00

Services Sub-Total $0.00

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

NA $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

ADOH Staff $1,173,000.00

Vendor/Application System $11,653,424.00

Contingency $1,288,915.00

Housing Counseling Contracts $2,000,000.00

Community Engagement - media cost $869,000.00

Administrative Expenses Sub-Total $16,984,339.00

Total Plan Requested Amount $196,984,339.00

Amount Requested Confirmation:

Yes
Page 25 of 27

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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: Esperanza Padilla

Agency/Office: Arizona Department of Housing

Email: esperanza.padilla@azhousing.gov

Phone Number: 6027711040

Reporting Contact

Name: Cindy Stotler

Agency/Office: Arizona Department of Housing

Email: cindy.stotler@azhousing.gov

Phone Number: 6027711041

Additional Contact

Name: Thomas Simplot

Agency/Office: Arizona Department of Housing

Email: tom.simplot@azhousing.gov

Phone Number: 6027711007

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.
Page 26 of 27

HAF Grantee Plan - HAFP-0106 -Arizona Department of Housing - Extracted 01/24/2022 13:44:40

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 Assurance (5-18-2021) 8/19/2021 4:53 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:

Arizona Department of Housing

Name and Title of Certifying Official

Name: Thomas Simplot

Title: Director

Telephone: 6027711007

Email: tom.simplot@azhousing.gov