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HAF Grantee Plan - HAFP-0190 -State of New Hampshire Treasury - Extracted 02/16/2022 16:45:03

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by State of New Hampshire Treasury

HAF Grantee Plan Name

HAFP-0190
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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 12/8/2021 3:47 PM

Total Plan Requested Amount $50,000,000.00

Record Type State

Application Record SLT-0033

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 Treasury – Treasury provided data, contributed by a number of federal

agencies, including information on mortgage delinquencies and forbearances, breakdowns by

demographic factors, and concentration among mortgage servicers.

• Data from Mortgage Servicing – New Hampshire Housing obtained loan specific data from

Wells Fargo, Freedom Mortgage, CELINK, and Champion that included the amounts past due,

months of delinquencies and those loans that still have not completed a loss mitigation option. 

• Data from Mortgage Servicing – New Hampshire Housing obtained loan specific data loan from

Dovenmuehle Mortgage, Inc for those loans originated by New Hampshire Housing. This specific

data included the amounts past due, months of delinquencies and those loans that still have not

completed a loss mitigation option on a more detailed level. 

• Data from U.S. Census Bureau American Community Survey and Participant Analysis – New

Hampshire Housing obtained demographic information. 

• Data provided by the Federal Housing Administration (FHA), Fannie Mae, Rural Development

and Federal Housing Finance Agency (FHFA) - It is estimated that approximately 70% of the

mortgages in New Hampshire are federally backed.

• University of New Hampshire Carsey School of Public Policy’s report on COVID-19 Economic

Crisis: Total jobs in June 2021 are estimated at 656.6K, compared to pre-pandemic levels of

689K. 

• Data provided by the Mortgage Bankers Association Delinquency report - As of March 31, 2021

the report indicated that 4.74% of the loans in New Hampshire were delinquent, with 3.28%

being seriously delinquent (90 days or more).

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.

• National Association of Realtors Research Group “2021 Snapshot of Race and Home Buying in

America,” February 2021 - This study outlays homeownership trends and affordability by race,
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home buyer demographics, and home buyers and fair housing specifically as it relates to the

economic impact caused by the coronavirus pandemic. 

• Data from U.S. Census Bureau American Community Survey – The Participant assessed

geographic and demographic information across the state to determine census tracts that have a

majority-minority population. Data tables used in the assessment were obtained from the U.S.

Census Bureau American Community Survey 2015-2019 5-year estimate

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.

• Municipalities, the NH Municipal Association, and NH Legal assistance were all included in our

stakeholder meetings. Although no quantitative data was available, all expressed the need for

property tax payment assistance. 

• Eversource Energy, Liberty Utilities and New Hampshire Electric Cooperative have provided

data to the general public in response to a request of information for the New Hampshire Public

Utilities Commission. Delinquency varied by provider and ranged from 20-40% of customers.

Data cannot be separated out by rental/homeownership.

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.

New Hampshire Housing is currently administering the New Hampshire Emergency Rental

Assistance Program. New Hampshire Housing plans to use similar processes and operational

procedures, modified as necessary to adapt to the specific needs and requirements of HAF.

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.
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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

AHEAD

262 Cottage Street ,Littelton,New Hampshire 03561

http://www.homesahead.org

NeighborWorks Southern NH

801 Elm Street ,Manchester,New Hampshire 03101

http://www.nwsnh.org

NH Legal Assistance

117 North State Street ,Concord,New Hampshire 03301

http://www.nhla.org

The Way Home

214 Spruce Street ,Manchester,New Hampshire 03103

http://www.thewayhomenh.org

The Housing Partnership

767 Islington Street Suite 2D,Portsmouth,New Hampshire 03801

http://www.housingpartnership.org

603legalaid.org

15 Green Street ,Concord,New Hampshire 03301

http://www.nhlegalaid.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

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.
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Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

The Way Home

214 Spruce Street, Manchester, New Hampshire 03103

http://www.thewayhomenh.org

AHEAD

262 Cottage Street, Littleton, New Hampshire 03103

http://www.homesahead.org

NeighborWorks Southern New Hampshire

801 Elm Street, Manchester, New Hampshire 03101

http://www.nwsnh.org

New Hampshire State Insurance Department

21 S Fruit Street, Suite 14, Concord, New Hampshire 03301

http://www.nh.gov/insurance

Granite State Organizing Project

27 Lowell Street # 303, Manchester, New Hampshire 03101

http://www.granitestateorganizing.org

New Hampshire Legal Assistance

117 North State Street, Concord, New Hampshire 03301

http://www.nhla.org

603legalaid.org

15 Green Street, Concord, New Hampshire 03301

http://www.nhlegalaid.org

Fannie Mae

1100 15th Street NW, Washington, District of Columbia 20005

http://www.fanniemae.com

Unites States Department of Agriculture – Rural Development

87 State Street, Suite 324, Montpelier, Vermont 05601

http://www.rd.usda.gov

New Hampshire State Insurance Department

21 S Fruit Street, Suite 14, Concord, New Hampshire 03301

http://www.nh.gov/insurance

New Hampshire Health and Human Services

40 Terrill Park Drive, Concord, New Hampshire 03301

http://www.dhhs.nh.gov

Charter Communication

12 South Street, Concord, New Hampshire 03301

http://www.spectrum.com
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New Hampshire Banking Department

53 Regional Drive, #200, Concord, New Hampshire 03301

http://www.nh.gov/banking

New Hampshire Community Loan Fund

7 Wall Street, Concord, New Hampshire 03301

http://www.communityloanfund.org

New Hampshire Bankers Association

100 N Main Street, #504, Concord, New Hampshire 03301

http://www.nhbankers.com

Mortgage Bankers and Broker’s Association – New Hampshire

P.O. Box 2815, Concord, New Hampshire 03302

http://www.mbba-nh.org

Woodsville Guaranty Savings Bank

28 S Main Street, Lisbon, New Hampshire 03585

http://www.theguarantybank.com

New Hampshire Association of Realtors

11 S. Main Street, #301, Concord, New Hampshire 03301

http://www.nhar.org

Mascoma Bank

235 Main Street, Lancaster, New Hampshire 03584

http://www.mascomabank.com

Liberty Utilities

116 N Main Street, Concord, New Hampshire 03301

http://www.libertyutilites.com

Eversource

780 N Commercial Street, Manchester, New Hampshire 03101

http://www.eversource.com

Granite United Way/211NH

22 Concord St, #2, Concord, New Hampshire 03301

http://www.graniteuw.org

Comcast

1701 John F Kennedy Blvd, Philadelphia, Pennsylvania 19103

http://www.comcast.com

Granite State Independent Living

21 Chenell Drive, Concord, New Hampshire 03301

http://www.gsil.org

State Farm

1 State Farm Plaza, Bloomington, Illinois 61710

http://www.statefarm.com
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Aspen Insurance Agency

40 Stark Road, Manchester, New Hampshire 03101

http://www.optisure.com

New Hampshire Municipal Association

25 Triangle Park Drive, Concord, New Hampshire 03301

http://www.nhmunicipal.org

Cooperative Credit Union Association – New Hampshire

845 Donald Lynch Blvd, Marlborough, Massachusetts 01752

http://www.ccua.org

Easterseals New Hampshire

555 Auburn Street, Manchester, New Hampshire 03103

http://www.easterseals.com/nh

New Hampshire Charitable Foundation

37 Pleasant Street, Concord, New Hampshire 03301

http://www.nhcf.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.

New Hampshire Housing held six stakeholder meetings which included a total of 42 participants.

These meetings included mortgage banking & real estate professionals; insurance and

community association representatives; housing counselors & legal services; community

organizations and non-profit groups that focus on socially disadvantaged populations; utility

providers; and state and town municipalities. These meetings were available for attendance via

in person, virtual and phone.

Staff has interacted frequently with these diverse stakeholders to gather input while drafting the

plan. Additionally, staff has attended numerous national calls with other HAF state providers

and with national servicers to assure we considered best practices.

In accordance with law and Treasury’s HAF Guidance, New Hampshire Housing developed a

draft HAF Plan for submission to Treasury, made the draft HAF Plan available for public

comment, held a Public Hearing on September 8, 2021, and accepted public comments up until

September 13, 2021 via email. 
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This public hearing was attended by 41 individuals, representing 25 organizations, and 8 of the

10 different counties in New Hampshire. Of the organizations present, 44% primarily serve LMI

households and 60% directly address the impacts of housing discrimination.

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?

The state reserves the right to submit additional programs to US Treasury for consideration

based on homeowner needs and/or program results. New Hampshire Housing will be reassessing

the need for additional programs or changes in current programs continually from the launch.

Specifically, New Hampshire Housing will conduct a review every three months. At that time,

New Hampshire Housing will determine whether any changes need to be made to eligibility

requirements, the document submission process, and/or program maximums, or if there is a need

to establish additional programs. New Hampshire Housing is committed to helping resolve

defaults that threaten a homeowner’s ability to sustain ownership of the property.
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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

NH HAF Plan Program Term Sheets - Revised - 12.08.21 12/8/2021 11:26 AM

Response to Treasury's Feedback on NH HAF Plan - 12.06.21 12/8/2021 11:30 AM

Complete NH HAF Plan - Revised - 12.08.21 12/8/2021 11:26 AM

HAF Program Term Sheets - NH - Treasury Upload 9.24.21 9/24/2021 4:18 PM

NH HAF Plan Program Details - Revised - 12.08.21 12/8/2021 11:26 AM

NH HAF Plan Executive Summary - Revised - 12.08.21 12/8/2021 11:26 AM

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 N/A 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?
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Yes

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

New Hampshire Housing will initially be requiring income documentation during application

submittal. If this requirement is found to barrier for application approval, New Hampshire

Housing reserves the ability to revise the document requirements for borrower eligibility to

ensure a proper balance between helping homeowners while ensuring adequate eligibility

safeguards are in place. At that time, New Hampshire Housing may accept option one as a

permissible approach.

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.

N/A

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
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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.

New Hampshire Housing will require an attestation to determine if the applicant falls within the

definition of a socially disadvantaged individual as provided by the HAF Treasury guidelines.

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; Vietnamese; Arabic; Other

Please list any other languages.

French, Indonesian, Kinyarwanda, Nepali, Portuguese, Swahili, & Google Translate offerings

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. 

Please list any other languages.

French, Indonesian, Kinyarwanda, Nepali, Portuguese, Swahili, & Google Translate offerings

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. 
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Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

AHEAD

262 Cottage Street , Littleton, New Hampshire 03561

http://www.homesahead.org

NeighborWorks Southern NH

801 Elm Street , Manchester, New Hampshire 03101

http://www.nwsnh.org

The Way Home

214 Spruce Street , Manchester, New Hampshire 03103

http://www.thewayhomenh.org

The Housing Partnership

Street, Suite 2D , Portsmouth, New Hampshire 03801

http://www.housingpartnership.org

New Hampshire Legal Assistance and 603 Legal Aid

15 Green Street , Concord, New Hampshire 03301

http://www.nhla.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?

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.
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Google Translate offerings

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.
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Program

Design Element Metric of Success Goal

Payment

Assistance for

Homeowners

Utilities

• Number of applicants that avoid

disconnection of services

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 1,000 homeowners (this amount

includes the assistance for internet services) 

• Commit $3,000,000(this includes funds

committed for internet services)

Payment

Assistance for

Homeowner’s

Internet Service

• Number of applicants that avoid

disconnection of services 

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 1,000 homeowners (this amount

includes the assistance for utility services) 

• Commit $3,000,000(this includes funds

committed for utility services)

Payment

Assistance for

HOA fees or

liens

• Number of applicants that avoid

displacement

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 420 homeowners (included in this

amount are the applicants applying for

property tax assistance, and insurance

payment assistance) 

• Commit $8,400,000 (this includes funds

committed for insurance and property

services)

Payment

Assistance for

Homeowner’s

Insurance

• Number of applicants that avoid

displacement or the increased cost of a

force placed policy

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 420 homeowners (included in this

amount are the applicants applying for

property tax assistance, and association due

assistance) 

• Commit $8,400,000 (this includes funds

committed for association and property tax

services)

Payment

Assistance for

Delinquent

Property Taxes

• Number of applicants that avoid

displacement due to HAF funds

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 420 homeowners (included in this

amount are the applicants applying for

insurance assistance, and association due

assistance) 

• Commit $8,400,000 (this includes funds

committed for insurance and association

costs services)

Mortgage

Reinstatement

• Number of applicants that avoid

displacement 

• Fund amount expended to assist

applicants

• Number of days from application to

funding

• Assist 1,430 homeowners

• Commit $28,600,000

Other measures

to prevent

homeowner

displacement

See Complete NH HAF Plan for overall,

broad measures NH believes also serve

as indicators of success for the State's

program.

Providing best measures or indicators of

success for NH's HAF 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?

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?

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.
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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?

$1,563,558.00

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

Some of the initial deposit has been used to secure a position dedicated to the HAF program;

hiring a consultant to assist with plan development and some Communication, Outreach, &

Marketing efforts. New Hampshire has allocated additional initial HAF funds received to

housing counseling, legal servicers, and New Hampshire’s technology & administrative vendor.
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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 $0.00

Payment Assistance for Homeowner’s Internet Service $500,000.00

Payment Assistance for HOA fees or liens $500,000.00

Payment Assistance for Delinquent Property Taxes $7,400,000.00

Mortgage Reinstatement $28,600,000.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $500,000.00

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

N/A $0.00

Displacement Prevention Sub-Total $40,000,000.00

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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Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $1,250,000.00

Legal Services $1,250,000.00

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

N/A $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

IT Costs $1,000,000.00

Administrative Services – Program management, underwriting, call center, marketing and

outreach

$6,500,000.00

Administrative Expenses Sub-Total $7,500,000.00

Total Plan Requested Amount $50,000,000.00

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: Mari Voisine, HAF Program Manager

Agency/Office: New Hampshire Housing Finance Authority

Email: mvoisine@nhhfa.org

Phone Number: 6033109339

Reporting Contact

Name: Mari Voisine, HAF Program Manager

Agency/Office: New Hampshire Housing Finance Authority

Email: mvoisine@nhhfa.org

Phone Number: 6033109339

Additional Contact

Name: Ignatius MacLellan, Managing Director, Homeownership Division

Agency/Office: New Hampshire Housing Finance Authority

Email: imaclellan@nhhfa.org

Phone Number: 6033109270

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.
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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

NH Assurance of Compliance with Civil Rights Requirements - HAF 9/24/2021 5:57 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:

State of New Hampshire Treasury

Name and Title of Certifying Official

Name: Monica I. Mezzapelle

Title: State Treasurer

Telephone: 6032712624

Email: monica.mezzapelle@treasury.nh.gov