HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 1 of 38

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by New York State

HAF Grantee Plan Name

HAFP-0066
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 2 of 38

United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 11/12/2021 4:00 PM

Total Plan Requested Amount $539,458,517.00

Record Type State

Application Record SLT-0042

HAF Grantee Plan Status (external) Funded
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 3 of 38

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.

• U.S. Census American Community Survey 5-year estimates (2015-2019): The Census Bureau

provides summary tables by various geographic levels (including county, zip code, census tract)

on a variety of economic and demographic characteristics. Their Public Use Microdata Summary

provides these characteristics at the household level. These data sources were used to identify

areas with high shares of homeowners – both mortgage-holders and non-mortgage-holders – who

are income eligible and/or socially disadvantaged. We also used PUMS data to model the impact

of COVID on household incomes.

• Black Knight MAPD data: The Federal Reserve Bank of Atlanta provided Mortgage Analytics

and Performance Dashboard (MAPD) data from Black Knight in aggregated form. The data

included information on mortgage performance, including county and zip code-level delinquency

and forbearance rates, for each month from April 2020 and January 2021. The data were used to

identify areas with high levels of mortgage distress, as well as trends over time.

• Data collected from county tax assessors: NYSHCR engaged the New York State County

Treasurers and Finance Officers Association to survey their members about tax collections in

2019 and 2020. These data are not collected or compiled centrally, and data available varies

greatly by county. We received data and feedback from 6 counties and New York City.

• NYSHCR and NYC HDC Administrative data: NYSHCR used administrative data on our own

portfolio of limited-equity cooperatives, as well as administrative data from New York City’s

Housing Development Corporation limited-equity coops, to identify developments where

residents were delinquent on maintenance payments.

• Home Mortgage Disclosure Act data: The Consumer Finance Protection Bureau provides data

on home mortgage originations aggregated to the Census Tract level. The data include

information on the household’s income and race/ethnicity, as well as information about the loan

(loan type, servicer information, loan amount, etc.)

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.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 4 of 38

In our Needs Assessment, HCR used forbearance and delinquency data as well as State

Department of Labor data on unemployment rates and COVID impacted industry statistics to

compare against census tracts level data showing high rates of homeownership among Socially

Disadvantaged New Yorkers, and high rates of homeowners earning less than 100% of the Area

Median Income. This overlap is guiding our outreach and marketing planning to ensure we are

targeting households who are lower income, who meet the definition of socially disadvantaged,

and who are likely in some type of economic and/or housing distress. 

We also relied on an HCR analysis using Home Mortgage Disclosure Act (HMDA) across the

nearly 5000 census tracts in New York State to analyze mortgage rejection rates for mortgage

applicants of color as compared to white applicants from the same census tract. We found high

levels of mortgage applications submitted by households of color in just over 1400 census tracts,

and in more than half of those geographies, rejection rates for applicants of color were at least

1.5 times higher as compared to white applicants (in some cases the disparity was significantly

higher.)

In planning for HAF we analyzed how these areas have also been impacted by homeowner

distress using data sources outlined above.

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.

HCR surveyed the New York State County Treasurers and Finance Officers Association, a

state-wide trade association that represents Counties responsible for tax, sewage and water

collections. They were able to provide county tax delinquency data from roughly 20 counties

comparing arrearages during COVID versus delinquencies during 2019. The findings led us to

extrapolate an increase in delinquency from 1% during non COVID years to closer to 2% during

the pandemic.

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.

HCR looked at application trends, average award amounts, processing times, and other key data

points from the MAP program, a $80 million program that ran in NY State during the last

foreclosure crisis, and which was administered by the same CDFI partner that we have engaged

under HAF. Some key decision points that came from that data:

- Structuring the funds as recorded lien created immense bottlenecks and did not hold much

advantage from an enforcement perspective (as compared to what we are proposing for HAF

which is an unsecured UCC lien).

- Better controls on taking in applications were needed to avoid raising expectations. In the MAP

program a high number of applications made it through the prequalification and submission

stage and later had to be rejected due to a lack of remaining funds. Significant feedback during

our public comment period spoke to this issue and urged us to avoid this under HAF.

- Looking at turn times for processing applications across different homeowner types under

MAP led us to the decision to create a separate case management team for mortgaged applicants

who will be negotiating with the servicers. This type of engagement requires subject matter
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 5 of 38

expertise, and by creating separate teams we will allow the non-mortgaged Case Management

team to process less complicated applications more quickly.

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

Affordable Housing Partnership of the Capital Region

255 Orange St. ,albany,New York 12210

http://www.ahphome.org

Allegany County Community Opportunities & Rural Development

Corp. (ACCORD)

84 Schuyler Street P.O. Box 573,Belmont,New York 14183

https://www.accordcorp.org/

American Debt Resources

384 Larkfield Rd. Suite 1,East Northport,New York 11731

http://www.americandebtresources.com
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 6 of 38

Arbor Housing and Development

26 Bridge St., ,Corning,New York 14830

http://www.arbordevelopment.org

Belmont Housing Resources of WNY

2393 Main St. ,Buffalo,New York 14214

http://www.Belmonthousingwny.org

Bridge Street Development Corporation

460 Nostrand Avenue ,Brooklyn,New York 11216

http://www.bsdcorp.org

Bronx Legal Services

349 E 149th Street 10th Floor,Bronx,New York 10455

https://www.legalservicesnyc.org/

Brooklyn Bar Association Volunteer Lawyers Project

44 Court St., , NY 11216 Suite 1206,,Brooklyn,New York 11216

http://www.Brooklynvlp.org

Brooklyn Legal Servicers

105 Court Street, 4th Floor,,Brooklyn,,New York 11201

https://www.legalservicesnyc.org/our-program/br...

Buffalo Urban League

15 Genesee St. ,Buffalo,New York 14203

http://www.buffalourbanleague.org

Capital District Women's Bar Association Legal Project, Inc. (The

Legal Project

24 Aviation Road Suite 101,Albany,New York 12205

http://www.legalproject.org

Economic Opportunity Council of Suffolk, Inc.

31 W. Main St Suite. 300,Patchogue,New York 11772

http://www.eoc-suffolk.com

Empire Justice Center

1 West Main Street Suite 200,Rochester,New York 14614

http://www.empirejustice.org

Frank H. Hiscock Legal Aid Society

351 S. Warren St ,Syracuse,New York 13202

http://www.hlalaw.org

Friends of the North Country, Inc.

1387 Hardscrabble Road, ,Cadyville,North Carolina 12918

https://www.friendsofthenorthcountry.org

Hispanic Brotherhood, Inc.

59 Clinton Avenue ,Rockville Center,New York 11570

https://www.hispanicbrotherhood.org/
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 7 of 38

Hudson River Housing

313 Mill Street ,Poughkeepsie,New York 12601

http://www.hudsonriverhousing.org

JASA Legal Services for Elder Justice

97-77 Queens Blvd Suite 600,Queens,New York 11374

http://www.jasa.org

Legal Aid of Rockland County

2 Congers Road, Suite 1, New City, NY 10956 Suite 1,New City,New

York 10956

http://www.legalaidrockland.org

Legal Assistance of Western New York, Inc.

361 South Main Street ,Geneva,New York 14456

http://www.lawny.org

Legal Services NYC

40 Worth Street Suite 606,New York,New York 10013

http://www.lsnyc.org

LONG ISLAND HOUSING PARTNERSHIP

180 OSER AVE ,HAUPPAUGE,New York 11784

http://www.lihp.org

NEIGHBORHOOD HOUSING SERVICES OF STATEN ISLAND

192 CORSON AVENUE 10301 ,Staten Island,New York 10310

http://www.NHSOFSI.ORG

Neighborhood Housing Services of Jamaica, Inc.

89-70 162 Street, Jamaica ,Jamaica,New York 11432

http://www.nhsj.org

Neighbors Helping Neighbors, Inc.

621 DeGraw Street ,Brooklyn,New York 11217

http://www.nhnhome.org

New York Legal Assistance Group

100 Pearl Street ,New York,New York 10004

http://www.nylag.org

Orange County Rural Development Advisory Corp

2 South Montgomery St ,Walden,New York 12586

http://www.ocrdac.org

Queens Legal Services

8900 Sutphin Blvd 5th Floor,Jamaica,New York 11435

http://www.legalservicesnyc.org/our-program/queens

The Bronx Neighborhood Housing Services CDC Inc.,

1451 East Gun Hill Road ,Bronx,New York 10469

http://www.BronxNHS .org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 8 of 38

The Housing Council at PathStone

75 College Avenue ,Rochester,New York 14607

http://www.Thehousingcouncil.org

Troy Rehabilitation and Improvement Program, Inc.

415 River Street ,Troy,New York 12108

http://www.triponline.org

Westchester Residential Opportunities, Inc.

470 Mamaroneck avenue Suite 401,White Plains,New York 10605

http://www.wroinc.org

Western New York Law Center

37 Franklin Street Suite 210,Buffalo,New York 14202

http://www.wnylc.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.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 9 of 38

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

400 foundation

132 Odell Clark Place, New York, New York 10030

http://www.400foundation.org

Nassau county office of minority affairs

One West Street, Westbury, New York 11501

http://www.nassaucountyny.org

St. John Baptist Church

184 Goodell Street, Buffalo, New York 14204

http://www.stjohnbaptistbuffalo.org

First Baptist Cathedral of Westbury

212 Garden Street, Westbury, New York 11590

http://m.facebook.com/FBCofWestbury

NYS Rural Housing Coalition

79 North Pearl Street#3, Albany, New York 12207

http://www.ruralhousing.org

Neighborhood Housing Preervation Coalition

126 State StreetSuite 302, Albany, New York 12207

http://www.npcnys.org

Greater Faith Ministries

260 Quincy Street, Brooklyn, New York 11201

http://m.facebook.com/GreaterFaithMinistries

La Fuerza Unida, Inc

40 Glen StreetSuite 1, Glen Cove, New York 11542

http://www.lfuinc.org

United Church of Jesus Christ

3936 Bronxwood Ave,, Bronx, New York 10452

http://www.unitedchurchbx.org

Refuge Apostolic Church

106 Broadway,, Freeport, New York 11520

http://www.refugefreeportny.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?
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 10 of 38

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 HCR draft NYS HAF plan was published on June 11th on As previously mentioned, in

creating out original Needs Assessment we surveyed the New York Association of the HCR

website in full, as well as a summary of the plan which was posted in four languages (English,

Spanish, French Creole and Chinese). A public hearing was held on June 23rd during which the

public was provided an opportunity to comment on the plan. The public comment period

remained open until July 2nd. In addition, we have created a public email account where

potential applicants and stakeholder may still submit comments or request more information

about the HAF program.

We published advertisements in three statewide newspapers to announce a virtual public hearing

and sent notice of the public hearing to an HCR stakeholder list comprised of more than 250

housing non-profits who serve both rural and urban communities in every county of New York

State. In addition, we held several stakeholder briefings for faith-based leaders, manufactured

housing advocates, and a network of more than 85 housing counseling and legal services provides

who work directly with low- income homeowners at risk of foreclosure. HCR has created a

dedicated HAF email address which remains open where members of the public can send us

information or request to be contacted when the application period is open.

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?

-A database with information about the number of loan modifications offered and accepted,

particuarly with regard to borrowers who have a federally backed mortgage by FHA, Fannie

Mae, Freddie, Mac, VA, and USDA.

-The number of new foreclosure filings broken out by state and by loan type during the 4th

Quarter of 2021 and for all four quarters of 2022.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 11 of 38

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 
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 12 of 38

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

NYS HAF Termsheets 9.13.21 9/13/2021 6:52 PM

NYS HAF Response to Treasury 11.5.21 11/5/2021 5:55 PM

NYS HAF Reponse to Treasury 11.11.21 11/11/2021 1:42 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
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 13 of 38

Principal

Reduction and

Mortgae

Reinstatement

NYS HAF is requesting

two deviations:

- We would like to treat

these as one intervention

- We will limit applications

to those who are deliquent,

those who have exhausted

forbearance and thos who

are within 60 days of

forbearance expiration

NYS HAF, consistent with direction from Treasury,

intends to assist applicants with exhausting all available

loss mitigation options before making a final award. To

assist applicants in this process we will onboard a special

Case Management team of attorneys with deep subject

matter expertise in loss mitigation who will work with

applicants through this process. As this team identifies

cases where barriers to obtaining a modification can be

advanced by providing HAF funds, we will need flexibility

to offer the servicer a partial payoff of arrears

(reinstatement), a principal reduction or potentially both.

There is no clear way to predict the intervention needed

until the negotiation with the Servicer is well underway

and the applicants current income is known. We will need

the ability to move between these options and if we are

required to come to Treasury for permission to move funds

in the event that our predictions require a greater than 10%

adjustment, this will likely create a tremendous slow down

in our ability to bring applications to completion. 

In addition, we proposing to limit this intervention to

applicants who are delinquent, whose forbearance has

expired or who are within 60 days of forbearance from the

date of application. We are applying this threshold because

we anticipate receiving far more applications than the NYS

HAF program will be able to address, and we want to

prioritize applicants who are at the greatest risk of

displacement.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 14 of 38

Mortgage

Assistance

Payments

-We are calling this

Forward Assistance

Payment to capture non

mortgaged borrowers

- We are proposing limiting

it to applicants who are

unemployed or who have

exhausted unemployment

benefits at the time of

application (or if an adult

contributing member of the

household meets this

criteria)

- We are seeking an

exception to allow

"current" homeowners who

meet the unemployment

requirement to apply for

forward payments

NYS HAF believes all types of homeowners (as opposed to

solely mortgaged borrowers) that are currently unemployed

are equally vulnerable to displacement. It could be argued

that non mortgaged borrowers are at even greater risk of

displacement because eviction and foreclosure is a much

faster process under NY State law in courts that oversee

claims against cooperators behind on maintenance fees,

manufactured homeowners delinquent on chattel or

personal loans, and property tax foreclosures, as compared

to mortgage foreclosures which are very long because NY

is a judicial foreclosure state.

We are limiting this intervention to unemployed applicants

because we believe that the NYS HAF program is going to

be well oversubscribed based on our data driven needs

assessment. For this reason, at least during our initial

application phase, we feel we must limit applications to

those who are most vulnerable. 

During our public hearing and open comment period, we

received a lot of feedback from stakeholders and elected

officials about homeowners who struggled to stay current

on their housing payments during the pandemic but are

now in very difficult financial circumstances. For this

reason, we are asking for an exception to allow current

homeowners who are also unemployed at the time of

application to be considered eligible for forward payments.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 15 of 38

Income

Qualification

and Socially

Disadvantaged

Targeting

-We are proposing to open

the NYS HAF only to

applicants who earn equal

to or less than 100% of the

AMI, at least for the initial

application period.

-We are proposing to set

aside a minimum of 40% of

all funds for applicants

who meet the definition of

Socially Disadvantaged

and we have added

Vulnerable Populations to

this proposed set-aside.

Our needs assessment suggests that the need for

homeowner intervention will be far greater than what the

NYS HAF program will be able to address. There are 1.7

million homeowners in NY who earn less than 100% of

AMI, and based on housing distress indicators, including

unemployment, delinquency, forbearance rates, property

tax delinquency etc, we believe well over 100,000

homeowners may need assistance. Based on our funding

allocation, we estimate that we will be able far less

homeowners even if the average award is less than the

$50,000 cap.

For this reason, we are planning to open the application

window for a 30- day period initially and limit applications

to households at or below 100% AMI. If at the end of 30

days, the program is not oversubscribed, we will extend for

an additional period until fully subscribed. This will allow

us to manage application flow and public expectations

about the availability of funding. However, in light of that

timeframe, we also want to ensure that applicants who may

have a more difficult time applying are not excluded from

the program. We propose a 40% set-aside which will be

reserved for Socially Disadvantaged and Vulnerable

Populations. That set-aside application window will open

and close on its own timeline (30 days or until fully

subscribed.) And as previously stated, if applications that

meet these criteria exceed the 40% set-aside, we will

continue to accept those applications until the overall

program is fully subscribed.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 16 of 38

NYS HAF

Payments

Directly to

Homeowners

We propose allowing HAF

awards to be remitted

directly to homeowners. If

a homeowner requests the

NYS HAF make payment

directly to a 3rd party

creditor (bank, coop, tax

collecting authority etc)

NYS HAF will

accommodate that request

provided the payment can

be executed within a

reasonable timeframe. The

only exception to this will

be in circumstances where

a mortgaged borrower

cannot be brought current

unless a payment is applied

directly to the unpaid

principal balance and

remitted directly to the

servicer.

HCR did an analysis of the 3rd parties with whom we will

need to coordinate payments on behalf of homeowners.

The findings are extremely daunting. Depending on where

you are in the state and due to the defused nature of the

property tax collection, we may need to find right-party

contacts at 63 county finance offices, and potentially

hundreds of municipal governments and school board

authorities. In the cooperative space, we have identified

500 coops that may likely have members who need HAF

assistance. Almost half of these are “self-managed”

meaning there is no management company to contact and

individual board of director contacts may have to be

tracked down to remit payment. In the Manufactured Home

space, retail installment contracts are very common and

often controlled by individual Park owners who do not

reside in the same town as the manufactured home park

and are frequently based out of state. In light of this, HCR

has serious concerns that payments to 3rd parties may

significantly slow our ability to provide relief to

homeowners in a timely fashion.

Moreover, HCR believes that the applicants applying for

HAF funds will be highly committed to taking pro-active

steps to preserve their homes and should be empowered to

take control over this process. HCR’s long history working

exclusively with low-and moderate-income families have

demonstrated that good financial practices are a necessity,

and consequently this population is inclined to make good

financial decisions. We are confident that giving

homeowners agency over their long-term housing stability

is sound government policy.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 17 of 38

Property

Charge

Default v

Arrears

Satisfaction

- While this is not

technically a deviation

from the Treasury Sample

Term Sheets, we are calling

this intervention Arrears

Satisfaction (as opposed to

Property Charge Default

Resolution).

- We are also including

manufactured homeowners

in this category,

recognizing that those who

reside in manufactured

home parks (as opposed to

on fee simple land) will not

have a mortgage but a

chattel loan or retail

installment contract and

will not seek support

through the mortgage

intervention.

- We are proposing that

under Arrears Satisfaction,

we not be required to make

specific HAF allocations to

support one type of

homeowner versus another,

but rather all homeowners

who are delinquent on

non-mortgage arrears can

apply for the total funding

allocated to this

intervention.

The primary reason for not allocating funds within the

Arrears Satisfaction category is that once we establish that

all funds will be reserved for applicants earning 100% of

AMI or less, and create a 40% set-aside for Socially

Disadvantaged and Vulnerable Populations, all applicants

are likely to be equally in need and equally at risk. Having

to cut off applications from a particular type of homeowner

until getting Treasury approval to reallocate funds could

severely slow down our ability to process applications

quickly. We will, of course, track all applications across

homeowner type and report to both Treasury and out to the

pubic on how many applications are receive and ultimately

fund under each category of homeowner.

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.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 18 of 38

NYS HAF will use State Department of Labor to verify household income. This source is the

most accurate and up to date and was used for similar purposes in the first NYS rent relief

program. Applicants who cannot be verified using this proxy will still be eligible to apply but will

need to provide income documentation as outlined in our term sheets.

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?

No

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.

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.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 19 of 38

The NYS HAF program is proposing to set aside 40% of all program funds for applications that

meet the definition of Socially Disadvantaged defined as racial and ethnic minorities who have

been historically subject to housing discrimination, and we are proposing to expand that

definition for the purposes of the 40% set aside to include "Vulnerable Populations" which we

define as senior citizens, those with limited access to the internet, those with limited English

proficiency and applicants who are living with a disability.

In our application portal, we will ask applicants to self-identify according to these categories and

provide an attestation that this information (as well as all other non-documented information

provided) is truthful. If the 40% set-aside becomes "over-subscribed" we will continue to accept

applications from Socially Disadvantaged and Vulnerable Populations until the total program

funding is fully committed.

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; Chinese; Korean; Russian; Arabic; Haitian Creole; Other

Please list any other languages.

Bengali, Polish and Italian

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?
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 20 of 38

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.

Bengali, Polish and Italian

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

Brooklyn Legal Services

105 Court Street 4th Floor, Brooklyn, New York 11201

https://www.legalservicesnyc.org/our-program/br...

Bridge Street Development Corp

460 Nostrand Ave , Brooklyn, New York 11211

http://www.bsdcorp.org

CAMBA

1720 Church Street 2nd Floor, Brooklyn, New York 11226

http://www.camba.org

Allegany County Community Opportunities and Rural Development

Corp

84 Schuyler Street PO Box 573, Belmont, New York 14813

https://www.accordcorp.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 21 of 38

Arbor Housing and Development

26 Bridge Street , Corning, New York 14830

http://www.arbordevelopment.org

Better Community Neighborhoods

670 Franklin Street , Schenectady, New York 12305

http://www.bcnihousing.org

Brooklyn Legal Services Corp A

260 Broadway Suite 2, Brooklyn, New York 11211

http://www.bka.org

Belmont Housing Resources

2393 Main Street , Buffalo, New York 14214

http://Belmonthousingwny.org

Bronx Legal Services

349 E 149th Street 10th Floor, Bronx, New York 10456

https://www.legalservicesnyc.org

Buffalo Urban League

15 Genesee Street , Buffalo, New York 14203

http://www.buffalourbanleague.org

American Debt Resources

384 Larkfield Road , East Northport, New York 11731

http://www.americandebtresources.com

Albany County Rural Housing Alliance

24 Martin Road , Albany, New York 12210

http://www.acrha.org

Affordable Housing Partnership of the Capital Region

255 Orange Street , Albany, New York 12210

http://www.ahphome.org

Brooklyn Bar Association

44 Court Street Suite 1206, Brooklyn, New York 11201

http://www.Brooklynvlp.org

Neighbors Helping Neighbors, Inc.

621 DeGraw Street , Brooklyn, New York 11217

http://www.nhnhome.org

New York Legal Assistance Group

100 Pearl Street , New York, New York 10004

http://www.nylag.org

NHS of Queens CDC, Inc.

60-20 Woodside Avenue, LL , Woodside, New York 11377

http://www.nhsofqueens.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 22 of 38

The Legal Aide Society

199 Water Street, 3FL, New York, NY 10038 3rd Floor, New York, New

York 10038

https://legalaidnyc.org/

Queens Volunteer Lawyers Project

90-35 148th Street , Jamaica, New York 11435

http://QCBA.org/probono

The Bronx Neighborhood Housing Services CDC Inc.,

1451 East Gun Hill Road , Bronx, New York 10469

http://Bronx NHS .org

RUPCO

289 Fair Street Kingston , Kingston, New York 12401

http://www.rupco.org

Rockland Housing Action Coalition

475 Route 304 Suite 1, New CIty, New York 10956

http://www.rhachomes.org

Westchester Residential Opportunities, Inc.

470 Mamaroneck avenue Suite 410, White Plains, New York 10605

http://www.wroinc.org

SafeGuard CCS

67 Ft Salonga Rd Northport NY 11768 , Northport, New York 11768

http://www.safeguardcredit.org

Western Catskills Community Revitalization Council, Inc

125 Main St , Stamford, New York 12167

http://westerncatskills.org

Staten Island Legal Services

36 Richmond Terr Ste 205 Suite 205, Staten Island, New York 10301

http://Legalservicesnyc.org

West Side Neighborhood Housing Services, Inc.

355 Connecticut Street , Buffalo, New York 14213

http://www.nwcpbuffalo.org

Pratt Area Community Council, Inc. dba IMPACCT Brooklyn

1000 Dean Street Suite 420, Brooklyn, New York 11238

http://www.impacctbrooklyn.org

United Tenants of Albany

255 Orange Street, Albany, NY 12210 , Albany, New York 12210

http://www.utalbany.org

Western NY Law Center

37 Franklin Street Suite 210, Buffalo, New York 14202

http://www.wnylc.com
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 23 of 38

NHS Brooklyn, CDC Inc

2806 Church Avenue, Brooklyn, NY 11226 , Brooklyn, New York 11226

http://www.NHSBROOKLYN.ORG

Queens Volunteer Lawyers Project

90-35 148th Street , Jamaica, New York 11435

http://QCBA.org/probono

Putnam County Housing Corporation

11 Seminary Hill Road , Carmel, New York 10512

http://www.Putnamhousing.com

NEIGHBORHOOD HOUSING SERVICES OF STATEN ISLAND

192 CORSON AVENUE , Staten Island, New York 10301

http://www.NHSOFSI.ORG

The Housing Council at PathStone

75 College Avenue , Rochester, New York 14607

http://Thehousingcouncil.org

Touro College Jacob D. Fuchsberg Law Center

225 Eastview Drive, Central Islip, NY 11722 , Central Islip, New York

11722

http://www.tourolaw.edu

Queens Legal Services

8900 Sutphin Blvd 5th Floor, Jamaica, New York 11435

https://www.legalservicesnyc.org/our-program/qu...

Northfield LDC of Staten Island

160 Heberton Avenue, Staten Island, NY 10302 , Staten Island, New

York 10302

http://www.Northfieldldc.org

Utica Neighborhood Housing Service Inc - DBA UNHS

Neighborworks HomeOwnershipCenter

1611 Genesee Street , Utica, New York 13501

http://Utica Neighborhood Housing Service Inc -...

Troy Rehabilitation and Improvement Program, Inc.

415 River Street, Troy New York 12180 , Troy q, New York 12180

http://www.triponline.org

CSS of Rochester

1050 University Ave Suite A, Rochester, New York 14607

http://www.cccsofrochester.org

Catholic Charities of Chemung/Schuyler

215 East Church Street , Elmira, New York 14901

http://www.cs-cc.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 24 of 38

Long Island Housing Services, Inc.

640 Johnson Avenue Suite 8, Bohemia, New York 11716

http://www.LIFairHousing.org

Housing Assistance Counsel of Essex

103 Hand Avenue PO BOX 157, Elizabethtown, New York 12932

http://www.hapec.org

Frank H. Hiscock Legal Aid Society

351 S. Warren St , Syracuse, New York 13202

http://www.hlalaw.org

Metro Interfaith Housing Management Corp

21 New Street , Binghamton, New York 13903

http://www.Metrointerfaith.org

Labor and Industry for Education, Inc.

112 Spruce Street Cedarhurst, NY 11516 , Cedarhurst, New York 11516

http://www.lifetech.org

Legal Assistance of Western New York, Inc.

361 South Main Street , Geneva, New York 14456

http://lawny.org

Legal Services NYC

40 Worth Street, Suite 606, NY, NY 10013 Suite 606, New York, New

York 10013

http://www.lsnyc.org

Legal Services of the Hudson Valley

90 Maple Ave, White Plains, NY 10601 , White Plains, New York 10601

http://www.Lshv.org

Mutual Housing Association of New York

470 Vanderbilt Avenue , Brooklyn, New York 11211

http://www.mutualhousingny.org

Cypress Hill LDC

3214 Fulton Street , Brooklyn, New York 11208

http://www.cypresshills.org

Neighborhood Housing Services of Jamaica, Inc.

89-70 162 Street , Jamaica, New York 11432

http://www.nhsj.org

Economic Opportunity Council of Suffolk

31 W. Main St Suite 300, Patchogue, New York 11772

http://www.eoc-suffolk.com

Legal Aid Bureau of Buffalo, Inc.

290 Main Street, Suite 400, Buffalo, NY 1402 Suite 400, Buffalo, New

York 14022

http://legalaidbuffalo.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 25 of 38

Fulton Community Development Agency

125 West Broadway , Fulton, New York 13069

http://www.fultoncda.com

Consumer Credit Counseling of Buffalo

40 gardenville Pkwy Suite 300, West Seneca, New York 14224

http://www.consumercreditbuffalo.org

Home HeadQuarters

538 Erie Blvd. , Syracuse, New York 13204

http://www.homehq.org

Neighborhood Housing Services Of New York City

307 West 36th Street 12th Floor, New York, New York 10018

http://www.nhsnyc.org

La Fuerza Unida

40 Glen St. Suite Suite 1, Glen Cove, New York 11542

http://www.lfuinc.org

Galvan Housing Resources, Inc.

252 Columbia St. , Hudson, New York 12534

http://www.galvanfoundation.org/historic-preser...

Human Development Services of Westchester, Inc.

930 Mamaroneck Ave , Mamaroneck, New York 10543

http://www.hdsw.org

Community Development Corporation of Long Island

2100 Middle Country Road , Centereach, New York 11720

http://www.cdcli.org

Housing and Family Services of Greater New York, Inc.

415 Albemarle Rd Brooklyn, NY 11218 , Brooklyn, New York 11218

http://brooklynhousing.org

Nassau/Suffolk Law Services

One Helen Keller Way, Hempstead, NY 11550 , Hempstead, New York

11550

http://www.nslawservices.org

Mobilization for Justice, Inc.

100 William Street 6th Floor, New York, New York 10038

http://mobilizationforjustice.org

Empire Justice Center

1 West Main Street Suite 200, Rochester, New York 14614

http://www.empirejustice.org

Community Housing Innovations

75 S Broadway Suite 340, White Plains, New York 10601

http://www.communityhousing.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 26 of 38

Friends of the North Country, Inc.

1387 Hardscrabble Road , Cadyville, New York 12918

https://www.friendsofthenorthcountry.org

Grow Brooklyn

1474 Myrtle Avenue , Brooklyn, New York 11237

http://www.growbrooklyn.org

Housing Help Inc

91 Broadway Suite 10, Greenlawn, New York 11740

https://www.housinghelpinc.org

Legal Aid Society of Northeastern New York, Inc.

95 Central Avenue, Albany, NY 12206 , Albany, New York 12206

http://www.lasnny.org

Legal Aid Society of Rockland County, Inc.

2 Congers Road, Suite Suite 1, New City, New York 10956

http://www.legalaidrockland.org

City Bar Justice Center

42 West 44th Street , New York, New York 10036

http://citybarjusticecenter.org

Hispanic Brotherhood, Inc.

59 Clinton Avenue , Rockville Center, New York 11570

https://www.hispanicbrotherhood.org/

Central Islip Civic Council, Inc.

68 Wheeler Road , Central Islip, New York 11722

http://centralislipciviccouncil.org

JASA Legal Services for Elder Justice

97-77 Queens Blvd. Suite 600 Queens NY 11374 Suite 600, Queens,

New York 11374

http://www.jasa.org

Capital District Women's Bar Association Legal Project, Inc. (The

Legal Project

24 Aviation Road, STE 101, Albany, NY 12205 Suite 101, Albany, New

York 12205

http://www.legalproject.org

Neighborhood Housing Services of Brooklyn (Bed-Stuy) CDC, Inc.

DBA Brooklyn Neighborhood Services

506 MacDonough Street, Brooklyn, NY, 11233 , Brooklyn, New York

11233

http://www.bnscdc.org

LONG ISLAND HOUSING PARTNERSHIP

180 OSER AVE , Hauppauge, New York 11784

http://www.lihp.org
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 27 of 38

Nassau Bar Foundation Inc ( Nassau County Bar Association 501c3)

15th and west Streets, Mineola , Mineola, New York 11501

http://www.nassaubar.org

Chautauqu Opportunities

10825 Bennett Rd , Dunkirk, New York 14048

http://www.chautauquaopportunities.com

Hudson River Housing

313 Mill Street, Poughkeepsie, NY 12601 , Poughkeepsie, New York

12601

http://www.hudsonriverhousing.org

Keuka Housing Council, Inc.

160 Main St , Penn Yan, New York 14527

http://www.keukahousingcouncil.org

Legal Aid Society of Mid-New York Inc.

120 Bleecker Street Utica NY 13501 , Utica, New York 13501

http://www.lasmny.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; Chinese; Korean; Russian; Haitian Creole; Other

Please list any other languages.

Bengali, Polish and Italian

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

accessible to persons with disabilities?
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 28 of 38

Yes
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 29 of 38

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.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 30 of 38

Program

Design

Element

Metric of Success Goal

Mortgage

Reinstatement

Roughly 7000 mortgaged

borrowers will be brought current

on their mortgages

Provide full mortgage reinstatement for roughly

7000 borrowers for whom loss mitigation is not a

viable option within 36 months

Mortgage

Principal

Reduction

Roughly 6000 mortgaged

homeowners will avoid default or

foreclosure

Enable roughly 6000 mortgaged borrowers to

achieve an affordable loan modification within 36

months

Payment

Assistance for

HOA fees or

liens

Prevent roughly 1400 evictions of

cooperators who are behind on

their monthly fee

Pay off arrears for roughly 1400 cooperators within

12 months

Other

measures to

prevent

homeowner

displacement

Achieve 6 months of housing

stability for roughly 240 non

mortgaged homeowners at

imminent risk of eviction or in-rem

foreclosure

Assist roughly 240 non mortgaged homeowners

who are unable to pay monthly housing costs

(taxes, chattel, coop fees) and who are unemployed

or severely underemployed within 12 months

Payment

Assistance for

Delinquent

Property

Taxes

Prevent roughly 3000 in-rem tax

foreclosures

Pay off arrears for roughly 3000 non mortgaged

homeowners who are behind on property taxes

(including sewer and water) within 24 months

Other

measures to

prevent

homeowner

displacement

Prevent roughly 900 evictions for

manufactured homeowners

Pay off arrears for roughly 900 manufactured

homeowners who are behind on their chattel or

retail installment loans within 12 months

Mortgage

Payment

Assistance

Achieve 6 months of housing

stability for roughly 1000

mortgaged homeowners at

imminent risk of default or

foreclosure

Assist roughly 1000 mortgaged homeowners who

are delinquent or coming out of forbearance and

who are unemployed or severely underemployed

within 12 months

Other

measures to

prevent

homeowner

displacement

Roughly 5000 mortgaged

borrowers will receive a

Reasonable Home Retention Offer

and be brought current on their

mortgages

Assist roughly 5000 mortgaged homeowners with

obtaining a reasonable loss mitigation offer from

their mortgage servicer without the need for NYS

HAF financial assistance
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 31 of 38

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?
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 32 of 38

No

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

$0.00

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

To date we have not expended any of the funds recieved in the first 10% allocation from

Treasury. We have committed funds out of the Administration Budget to our CDFI

Administration Partner and to vendors who working to set up the online application and Case

Managment systems.
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 33 of 38

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 $12,653,971.00

Mortgage Principal Reduction $189,275,408.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $17,377,159.00

Payment Assistance for Delinquent Property Taxes $35,592,007.00

Mortgage Reinstatement $185,135,823.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $0.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $0.00

Other measures to prevent homeowner displacement

Measure Amount

Payment Assistance for Non Mortgaged Borrowers $878,694.00

Arrears Satisfaction for Manufactured Home Borrowers $10,143,752.00

Displacement Prevention Sub-Total $451,056,814.00

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-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 34 of 38

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $0.00

Legal Services $7,500,000.00

Services Sub-Total $7,500,000.00

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

none $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 35 of 38

Type of Expense Amount

Staff and Case Management $35,657,419 

Technology and Tech Support $4,704,798 

Professional Services (Financial, Legal, Other) $3,020,976 

Communications 

(External Affairs, Marketing, Outreach Partners) $1,832,395 

Overhead (Equipment, rental and Office support) $4,259,081 

HCR Staff and Technical Support $500,000

Reserve for Year 4 and 5 $30,927,035

New York State has engaged a non-profit CDFI, Sustainable Neighborhoods LLC (SN

LLC), to serve as program administrator for the NYS HAF program. SN LLC has been a

leader across the state for the last 12 years specifically managing large program

dedicated to foreclosure prevention and homeownership preservation. Under direction

from NY State Homes & Community Renewal (HCR), SN LLC will be responsible

implementing and managing all aspects of the NYS HAF program including the call

center, the development and maintenance of the program technology, case management

and oversight of vendors, quality control and assurance, financial management and

disbursement of grant funds to homeowners, and overall program compliance with local,

state and federal law. HCR has engaged SN LLC for a three-year contract with the

intention to complete our assistance to at-risk homeowners in that timeframe. Under our

current contract we are capping the administrative expenses to no more than 10% . In

addition, HCR will use less than 1% of administrative funds for supporting internal staff

and technical assistance . The remaining 4% of eligible administrative funds will be held

in reserve by HCR to address any additional expenses needed to complete the program

in three years, or in the event that the program needs to extend into years four and five to

complete our homeowner assistance goals. If the 4% reservere not needed for

administration of the program, HCR will reallocate those funds to direct homeowners

assistance at the earliest possible date.

$80,901,703.00

Administrative Expenses Sub-Total $80,901,703.00

Total Plan Requested Amount $539,458,517.00

Amount Requested Confirmation:

Yes
HAF Grantee Plan - - HAFP-0066 New York State - Extracted 02/15/2022 22:21:37 Page of 36 38

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: Terri Crowley

Agency/Office: Office of the State Comptroller

Email: tcrowley@osc.ny.gov

Phone Number: 5184024102

Reporting Contact

Name: Dina Levy

Agency/Office: New York State Homes and Community Renewal

Email: dina.levy@nyshcr.org

Phone Number: 9732027441

Additional Contact

Name: Rachel Wieder

Agency/Office: New YOrk State Homes and Community Renewal

Email: rachel.wieder@nyshcr.org

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.

No information provided in our plan is considered proprietary
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 37 of 38

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

Title VI Assurances NY 8/20/2021 4:04 PM
HAF Grantee Plan - HAFP-0066 -New York State - Extracted 02/15/2022 22:21:37 Page 38 of 38

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:

New York State

Name and Title of Certifying Official

Name: Terri Crowley

Title: Executive Deputy Comptroller For Operations

Telephone: 5184024102

Email: tcrowley@osc.ny.gov