HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 1 of 24

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by State of Georgia

HAF Grantee Plan Name

HAFP-0102
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 2 of 24

United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 12/21/2021 6:27 PM

Total Plan Requested Amount $354,185,231.00

Record Type State

Application Record SLT-0037

HAF Grantee Plan Status (external) Funded
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 3 of 24

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 FHA Neighborhood Watch – Public facing FHA application used by participant.

• CoreLogic-Subscription to provide participant with information regarding loan delinquency

for targeting.

• Black Knight- Housing and mortgage distress information used for plan.

• Atlanta Federal Reserve Bank- Housing and mortgage distress information used for plan.

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?

No

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.

SOCIALLY AND ECONOMICALLY DISADVANTAGED METRICS:

•To target the areas having the greatest need, GHFA examined metrics for the state at the county

and/or zip code level, for housing and mortgage distress, socially disadvantaged populations,

economically distressed, and disadvantaged areas.

Socially Disadvantaged
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 4 of 24

Minority Concentration

%, Rural Location, Low to Moderate Income (<$75k), Unemployment, Household Poverty

Status

2018 - 2020 

County/Zip 

Census Bureau ACS

Economic Distress & Disadvantaged 

COVID Forbearance, Unemployment, Rural Location, FFIEC Distressed Area Designation

Poverty Status, HUD AMI, Low to Moderate Income (< $75k) 

2020 – 2021

2018 - 2020 

County/Zip

County/Zip 

Census Bureau ACS, FFIEC, BLS

Census Bureau ACS, IPUMS, CHAS

Housing & Mortgage Distress 

90 days+ Delinquency, Foreclosure, COVID Forbearance

2020 - 2021 

County/Zip 

CoreLogic, Black Knight, Atlanta Federal Reserve Bank

FFIEC - Federal Financial Institutions Examinations Council

ACS – American Community Survey

BLS – Bureau of Labor Statistics

IPUMS - Integrated Public Use Microdata Series
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 5 of 24

CHAS - Comprehensive Housing Affordability Strategy (HUD)

SOCIALLY DISADVANTAGED

Socially disadvantaged individuals are those that have been subject to racial or ethnic prejudice

or cultural bias because of their identity. There is a rebuttable presumption that the following

individuals are socially disadvantaged: Black Americans, Hispanic Americans, Native

Americans, Asian Americans, and Pacific Islanders. 

Risk factors reviewed include income, household poverty status, minority population, and rural

location.

ECONOMICALLY DISADVANTAGED

Georgia has a population of 10.5 million, with an overall poverty rate of 16%. According to the

Census Bureau, of the 3.8 million households in Georgia, the 2018 median income was $58,000.

While Georgia’s unemployment rate has dropped to 3.9%, 19 counties still have unemployment

rates over 5%, mostly in the rural a

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.

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

inform its program design.

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

Yes

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

design?

Yes

How Has Community Engagement and Public Participation Informed the

Participant’s Planning?

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

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

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

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

statutory targeting requirements.

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

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 6 of 24

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

Atlanta Legal Aid

54 Ellis St. NE ,Atlanta,Georgia 30303

https://atlantalegalaid.org/

Georgia Legal Services

104 Marietta St NW #240 ,Atlanta,Georgia 30303

https://www.georgialegalaid.org/

D&E A Housing & Economic Power Center

4532 Jonesboro Rd ,Forest Park,Georgia 30297

https://www.depower.org/

Habitat for Georgia

PO Box 4143 ,Columbus,Georgia 31914

https://www.habitatgeorgia.org/

Georgia Advancing Communities Together

250 Georgia Avenue, SE, Suite 350 ,Atlanta,Georgia 30312

https://georgiaact.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-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 7 of 24

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

CCCS of the Savannah Area, Inc.

7505 Waters Ave, Suite C-11, Savannah, Georgia 31306

https://www.cccssavannah.org

HomeFirst Housing Resource Services, Inc.

653 Second St., Suite 203, Macon, Georgia 31201

https://www.homefirstgeorgia.org/

CCCS of West Georgia/Family Center of Columbus

1350 15th Avenue, Columbus, Columbus, Georgia 31901

https://thefamilyctr.org/

Family Visions Outreach, Inc.

601 W. Price St., Sylvester, Georgia 31791

http://familyvisionsoutreach.org

CSRA Economic Opportunity Authority, Inc.

1261 Greene St., Augusta, Georgia 30901

https://www.csraeoa.org/

Georgia Sustainable Community Venture

3330 Madison St. , College Park, College Park, Georgia 30337

https://gscommunityventures.com/

Help the People Program Housing Counseling Agency

3567 Covington Hwy- Rear Bldg, Decatur, Georgia 30032

http://N/A

Hancock Community Development Corporation

300 Henderson Ext, Athens, Georgia 30606

http://www.hancockcdc.org/

Totally Free, Inc.

84 Buckingham Place, Suite B, Brunswick, Georgia 31525

https://totallyfreeinc.org/

Hope Through Divine Intervention

385 Holly St. NW, Atlanta, Georgia 30318

https://htdi.org/

JCVision and Associates Inc.

135 East M.L. King Jr. Drive, Hinesville, Georgia 31313

http://jcvision.com/

Urban League of Greater Columbus, Inc.

802 1st Ave., Columbus, Columbus, Georgia 31901

https://www.ulgcyp.org/
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 8 of 24

Resources for Residents and Community of Georgia, Inc.

100 Flat Shoals Ave SE, Atlanta, Georgia 30316

https://www.rrc-atl.org/

Southwest Georgia United Empowerment Zone, Inc.

123 South 7th St, Cordele, Georgia 31015

https://swgau.org/

The Homeowners Employment Corporation

2440 Wall St. SE Suite B2, Conyers, Georgia 30013

https://www.homeownerscorp.com/

Valdosta-Lowndes County Habitat for Humanity

2010 E. Cypress St., Valdosta, Georgia 31601

http://www.valdostahabitat.org/

Veteran's Center

8060 Webb Rd Unit 741202,, Riverdale, Georgia 30274

http://N/A

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

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

No

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

or published materials?

Yes

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

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

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

A draft of Georgia’s proposed Homeowner Assistance Fund program and the scheduled public

hearing date were posted on DCA’s website June 21, 2021. Notice of the posting and public

hearing date was disseminated to lenders, servicers, housing counselors, and community leaders

and service providers.

DCA received only one comment prior to the June 28, 2021 virtual public hearing, held with 45

attendees. Homeowners attending the hearing were interested in learning when the assistance

would be available and the process to apply. Community leaders offered their support to the

program and homeowners. The hearing was recorded and posted.

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.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 9 of 24

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

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

homeowners?

Yes

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

• Data from loan servicers

• Review of delinquency by zip code and county from CoreLogic

• Review of ineligible applicants to determine if program should be adjusted to remove any

barriers.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 10 of 24

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-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 11 of 24

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

Updated HAF-Grantee-Plan-Template 11/22/2021 12:54 PM

HAF-Grantee-Plan-Template 8/19/2021 10:43 AM

Georgia_HAFP-0102_Feedback_Response 11/22/2021 12:55 PM

Terms sheet upload attachment 8/19/2021 10:43 AM

Georgia_HAFP-0102_Feedback_Response 12.15.21 12/21/2021 6:12 PM

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

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

of this submission?

Yes

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

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

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

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

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

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

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

submission)

Program

Design

Element

Deviation from sample terms Justification

Mortgage

Assistance

At this time GHFA is not offering a

monthly mortgage assistance

program but would like to offer

some type of assistance for

homeowners whose income has not

recovered from the pandemic

hardship.

Homeowners who have not recovered from the

pandemic hardship can receive an additional 3

monthly payments in a onetime payment to their

lender or servicer, in conjunction with reinstatement

or principal curtailment. This will allow time to

recover or work out options with their lender or

servicer.

Utilities

At this time GHFA is not offering a

separate utility assistance program,

as there could be options through

nonprofit agencies. The utility

design element has been included

with other Housing Related

Expenses.

Homeowners who need mortgage reinstatement or

principal curtailment can also request help with

delinquent utility bills, to eliminate having to apply to

another agency.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 12 of 24

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.

If a fact specific proxy is needed, household income will be determined by Census Tract data at

zip code level.

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.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 13 of 24

Contracts for Deed or Land Contract: Seller retains rights to the property, and he can cancel the

contract if the buyer defaults even once on payments, and unable to verify delinquency.

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.

The definition of Socially Disadvantaged Individual has been provided with the application

documents: Those whose ability to purchase or own a home has been impaired due to diminished

access to credit on reasonable terms as compared to others in comparable economic

circumstances, based on disparities in homeownership rates in the state as documented by the US

Census. Indicators of impairment may include being a (1) member of a group that has been

subjected to racial or ethnic prejudice or cultural bias within American society; (2) resident of a

majority-minority Census tract; (3) individual with limited English proficiency; (4) resident of a

US territory, Indian reservation, or Hawaiian Home Land; or (5) individual who lives in a

persistent-poverty county (any county that has had 20% or more of its population living in

poverty over the past 30 years as measured by the three most recent decennial censuses.)

Applicants can sign an affidavit if they identify as a Socially Disadvantaged Individual.

Additionally, an applicant that fails to provide the affidavit but who lists the ethnicities

previously identified will be considered Socially Disadvantaged.

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) 
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 14 of 24

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

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

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

will be undertaken:

Spanish

Outreach

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

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

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

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

Yes

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

that primarily target the following populations:

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

American society; 

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

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

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Housing Counseling and Legal Services

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
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 15 of 24

Atlanta Legal Aid

54 Ellis St. NE , Atlanta, Georgia 30303

https://atlantalegalaid.org/

Hancock Community Development Corporation

300 Henderson Ext. , Athens, Georgia 30606

http://www.hancockcdc.org/

HomeFirst Housing Resource Services, Inc.

653 Second St., Suite 203 , Macon, Georgia 31201

https://www.homefirstgeorgia.org/

Hope Through Divine Intervention

385 Holly St. NW, , Atlanta, Georgia 30318

https://htdi.org/

Totally Free, Inc.

84 Buckingham Place, Suite B, , Brunswick, Georgia 31525

https://totallyfreeinc.org/

Georgia Legal Services

104 Marietta St NW #240, , Atlanta, Georgia 30303

https://www.georgialegalaid.org/

CCCS of the Savannah Area, Inc.

7505 Waters Ave, Suite C-11 , Savannah, Georgia 31306

https://www.cccssavannah.org

CSRA Economic Opportunity Authority, Inc.

1261 Greene St. , Augusta, Georgia 30901

https://www.csraeoa.org/

Southwest Georgia United Empowerment Zone, Inc.

123 South 7th St , Cordele, Georgia 31015

https://swgau.org/

CCCS of West Georgia/Family Center of Columbus

1350 15th Avenue , Columbus, Georgia 31901

https://thefamilyctr.org/

JCVision and Associates Inc.

135 East M.L. King Jr. Drive , Hinesville, Georgia 31313

http://jcvision.com/

Family Visions Outreach, Inc.

601 W. Price St. , Sylvester, Georgia 31791

http://familyvisionsoutreach.org

Georgia Sustainable Community Venture

3330 Madison St. , College Park, Georgia 30337

https://gscommunityventures.com/
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 16 of 24

Help the People Program Housing Counseling Agency

3567 Covington Hwy- Rear Bldg , Decatur, Georgia 30032

http://N/A

Resources for Residents and Community of Georgia, Inc.

100 Flat Shoals Ave SE , Atlanta, Georgia 30316

https://www.rrc-atl.org/

The Homeowners Employment Corporation

2440 Wall St. SE Suite B2 , Conyers, Georgia 30013

https://www.homeownerscorp.com/

Urban League of Greater Columbus, Inc.

802 1st Ave., , Columbus, Georgia 31901

https://www.ulgcyp.org/

Valdosta-Lowndes County Habitat for Humanity

2010 E. Cypress St. , Valdosta, Georgia 31601

http://www.valdostahabitat.org/

Veteran's Center

8060 Webb Rd Unit 741202 , Riverdale, Georgia 30274

http://N/A

Targeting specific groups of homeowners

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

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

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

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

 have privately held mortgages? 

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

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?

Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access,

including persons with limited English proficiency and those with disabilities.

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

program documents will be made available.

Spanish

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

accessible to persons with disabilities?

Yes
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 17 of 24

Performance Goals

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

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

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

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

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

design elements.

Program Design Element Metric of Success Goal

Mortgage Reinstatement Number of Home losses prevented due to HAF

funds

5,000 homeowners

assisted in first 24

months

Mortgage Principal

Reduction

Number of Home losses prevented due to HAF

funds

250 homeowners

assisted in first 24

months

Payment Assistance for

HOA fees or liens

Number of homeowners assisted with

homeowner’s association or condominium fees

200 homeowners

assisted in first 24

months

Payment Assistance for

Homeowners Utilities

Number of homeowners assisted with past due

utility payments

200 homeowners

assisted in first 24

months

Payment Assistance for

Homeowner’s Insurance

Number of homeowners assisted with past due

insurance payments

200 homeowners

assisted in first 24

months

Payment Assistance for

Delinquent Property Taxes

Number of homeowners assisted with

delinquent property taxes

200 homeowners

assisted in first 24

months
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 18 of 24

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?

No

Use of Initial Payment

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

about the use of such funds as of June 30, 2021.

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?

$0.00
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 19 of 24

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

Pilot program with HFA portfolio scheduled for the week of 8.16.21. Secured application and

reporting system, set up office, hired staff. Pilot program for our in-house Bond loans beginning

the week of August 16, 2021.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 20 of 24

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 $25,000,000.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $2,634,106.00

Payment Assistance for Delinquent Property Taxes $3,000,000.00

Mortgage Reinstatement $275,000,000.00

Facilitate Mortgage Interest Rate Reduction $0.00

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

Payment Assistance for Down Payment Assist. Loans $5,000,000.00

Payment Assistance for Homeowners Utilities $3,000,000.00

Other measures to prevent homeowner displacement

Measure Amount

None $0.00

Displacement Prevention Sub-Total $316,634,106.00

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-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 21 of 24

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $2,400,000.00

Legal Services $500,000.00

Services Sub-Total $2,900,000.00

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

Salaries $23,301,375.00

Professional Services $5,161,250.00

Other Operating Expenses $4,688,500.00

Marketing/Outreach $1,500,000.00

Administrative Expenses Sub-Total $34,651,125.00

Total Plan Requested Amount $354,185,231.00

Amount Requested Confirmation:
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 22 of 24

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: Kelly Farr

Agency/Office: Governor's Office of Planning and Budget

Email: kelly.farr@opb.georgia.gov

Phone Number: 4046563820

Reporting Contact

Name: Jen Wade

Agency/Office: Governor's Office of Planning and Budget

Email: jennifer.wade@opb.georgia.gov

Phone Number: 4047826172

Additional Contact

Name: Tonya Cureton Curry

Agency/Office: Georgia Department of Community Affairs

Email: tonya.curry@dca.ga.gov

Phone Number: 4046790607

Proprietary or Otherwise Non-Public Information

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

No

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 23 of 24

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

6._HAF-Title_VI_Assurance_(5-18-2021)signed 8/19/2021 11:45 AM
HAF Grantee Plan - HAFP-0102 -State of Georgia - Extracted 02/24/2022 00:12:07 Page 24 of 24

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 Georgia

Name and Title of Certifying Official

Name: Jennifer Wade

Title: Grants Manager

Telephone: 4047826172

Email: jennifer.wade@opb.georgia.gov