CRITERIA LIEN EXTINGUISHMENT PROGRAM TERMS

Revised 10.12.22

Brief description HAF funds may be used to extinguish liens (i.e. fully pay off loans) to promote long-term housing stability. This program will typically 

be reserved for applicants who are part of the state's most vulnerable population (i.e. elderly, disabled, etc.)

This program option may also be offered to other applicants on a case-by-case basis.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the homeowner’s 

primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Applicant's mortgage payoff balance cannot exceed the program cap.

• Applicant must be considered part of the state's most vulnerable population (i.e. elderly, disabled, etc.). Exceptions to this requirement will be 

considered on a case-by-case basis.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed electronically through 

Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide tax form or 

 current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common Data File) from lenders which 

is integrated within the grants management system (Counselor Direct). In the event third-party data verification is not available, the applicant may be 

required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

Applicant must be eligible for mortgage reinstatement assistance or have been previously approved for mortgage reinstatement 

assistance. Exceptions to this policy will be considered on a case-by-case basis.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA PRINCIPAL REDUCTION PROGRAM TERMS

REVISED 10.12.22

Brief description HAF funds may be used to supplement other assistance options offered by the program. Principal Reductions will promote additional 

long-term housing stability by reducing a borrower's total debt. This program will typically be reserved for applicants who accepted a 

loss mitigation option prior to engaging the program, which fully reinstated their loan and yielded them ineligible for Mortgage 

Reinstatement Assistance. Applicants would be eligible for assistance totaling all deferred / mitigated amounts including escrow 

shortages and corporate advances, not to exceed the program cap. In addition, applicants who already received assistance may 

qualify for a supplemental escrow payment if the lender's Annual Escrow Analysis indicates there is a shortage, which must be paid in 

full to avoid an increase in the monthly payments.

This program option may be offered to other applicants on a case-by-case basis.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the homeowner’s 

primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Applicant must have accepted a loss mitigation option to mitigate arrearages accrued after January 20, 2020.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed electronically through 

Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide tax forms 

 or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common Data File) from lenders which 

is integrated within the grants management system (Counselor Direct). In the event third-party data verification is not available, the applicant may be 

required to submit additional supporting documentation.

• Documentation demonstrating applicant accepted loss mitigation option sometime after January 20, 2020 but prior to receiving any assistance from 

LAHAF for their mitigated amounts.

• Annual Escrow Analysis, if needed.

Loan eligibility criteria

specific to the 

program

Applicant must have accepted a loss mitigation option sometime after January 20, 2020 but prior to receiving reinstatement assistance 

from LAHAF for their mitigated amounts OR can substantiate an escrow shortage due to increased insurance premiums.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments may be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA LOAN RECAST PROGRAM TERMS

Revised 10.12.22

Brief description HAF funds may be used to recast mortgages, as allowed by investors, to promote long-term housing stability by reducing a borrower's 

regular monthly mortgage payments. This program will typically be reserved for applicants who have indicated they are unable to 

afford the regular monthly mortgage payment moving forward. The program may be used as the initial award to fully reinstate 

mortgages OR as supplemental awards after a mortgage has been reinstated, depending on available funding.

This program option may also be offered to other applicants on a case-by-case basis.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the homeowner’s 

primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Applicant must have indicated they are unable to afford the regular monthly mortgage payment moving forward. Exceptions to this policy will be 

considered on a case-by-case basis.

• Statement of current ability to maintain any required regular payments after the principal amount is reduced (OR) Ability to resume any required 

regular payments with assistance from Grantee Mortgage Payment Assistance Program.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed electronically through 

Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide tax forms 

 or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common Data File) from lenders which 

is integrated within the grants management system (Counselor Direct). In the event third-party data verification is not available, the applicant may be 

required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

N/A

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA REINSTATEMENT MORTGAGE PAYMENT PROGRAM TERMS

Revised 10.12.22

Brief description The Homeowner Assistance Fund will eliminate or reduce past due payments and other delinquent amounts, including 

payments under a forbearance plan, on forward mortgages, reverse mortgages, loans secured by manufactured homes, or 

contracts for deed.

Program funds may be used to bring an account fully current, with no remaining delinquent amounts, and to repay amounts 

advanced by the lender or servicer on the borrower’s behalf for property charges, including property taxes, hazard 

insurance premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, 

planned unit development fees, homeowners’ association fees or utilities that the servicer advanced to protect lien position. 

Payment may also include any reasonably required legal fees.

Program funds will be used only to supplement other loss mitigation options offered by the servicer under investor 

requirements or where, without program funds, the homeowner would not qualify for that loss mitigation option.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the 

homeowner’s primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Statement of current ability to resume any required regular payments after account is reinstated (OR) Ability to resume any 

required regular payments with assistance from Grantee Mortgage Payment Assistance Program.

• For reverse mortgages, homeowner has entered a repayment plan and homeowner otherwise qualifies.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when 

possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is 

signed electronically through Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to 

 provide tax forms or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common 

Data File) from lenders which is integrated within the grants management system (Counselor Direct). In the event third-party 

data verification is not available, the applicant may be required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

Delinquent by at least one payment, including any payments during a forbearance period.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA LOSS MITIGATION WITH STATE CONTRIBUTION PROGRAM TERMS

Revised 10.12.22

Brief description HAF funds will be used to supplement loss mitigation options offered by the servicer under investor requirements or where, without 

HAF funds, the homeowner would not qualify for that loss mitigation option. Loss mitigation workout plans typically result in 

lower/more affordable regular monthly payments for mortgagors. This program will typically be reserved for applicants whose total 

arrearage exceeds the program cap, and the applicant cannot pay the overage AND/OR who have indicated they are unable to afford 

the regular monthly payment moving forward. This program option may also be offered to other applicants on a case-by-case basis.

HAF Funds may be used to bring accounts fully current by way of loss mitigation, with no remaining delinquent amounts, and to repay 

amounts advanced by the lender or servicer on the borrower’s behalf for property charges, including property taxes, hazard insurance 

premiums, flood or wind insurance premiums, ground rents, condominium fees, cooperative maintenance fees, planned unit 

development fees, homeowners’ association fees or utilities that the servicer advanced to protect lien position. Payment may also 

include any reasonably required legal fees.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the homeowner’s 

primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Applicant's total arrearage must exceed the current program cap, and the applicant is unable to pay the overage (AND/OR) Applicant 

has indicated they are unable to afford the regular monthly payment going forward even if their mortgage were fully reinstated by the 

program. Exceptions to this criterion will be considered on a case-by-case basis.

• Statement of current ability to resume any required regular payments after account is reinstated (OR) Ability to resume any required 

regular payments with assistance from Grantee Mortgage Payment Assistance Program.

• For reverse mortgages, homeowner has entered a repayment plan and homeowner otherwise qualifies.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed 

electronically through Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide 

 tax forms or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common Data File) 

from lenders which is integrated within the grants management system (Counselor Direct). In the event third-party data verification is 

not available, the applicant may be required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

N/A

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA FUTURE MORTGAGE PAYMENT ASSISTANCE PROGRAM TERMS

Revised 10.12.22

Brief description In order to promote both short-term and long-term housing and financial stability, the Homeowner Assistance Fund will 

provide up to six months of future payments for all applicants approved for mortgage payment assistance, which may 

include, but is not limited to, Reinstatement Assistance, Principal Reduction, Loan Recast, or Loss Mitigation with State 

Contribution.

Program funds will be used to supplement other loss mitigation measures offered by the servicer or where program funds 

are necessary for the homeowner to qualify for other such loss mitigation measures.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the 

homeowner’s primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Statement of current ability to resume any required regular payments after account is reinstated (OR) Ability to resume any 

required regular payments with assistance from Grantee Mortgage Payment Assistance Program.

• For reverse mortgages, homeowner has entered a repayment plan and homeowner otherwise qualifies.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is 

signed electronically through Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to 

 provide tax form or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common 

Data File) from lenders which is integrated within the grants management system (Counselor Direct). In the event third-party 

data verification is not available, the applicant may be required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

No additional forbearance available.

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the lender or servicer as appropriate.

LOUISIANA
CRITERIA ASSISTANCE FOR NON-ESCROWED HOMEOWNERSHIP EXPENSES

Brief description HAF funds may be used to supplement other assistance options offered by the program. Financial assistance may be provided for nonescrowed items including homeowner's insurance, flood insurance, HOA and condominium fees and liens, and property taxes. This 

program will be reserved for applicants who do not have a mortgage or applicants who have a mortgage that does not include one or 

more of the expenses listed above. 

This program option may be offered to other applicants on a case-by-case basis.

Maximum amount of 

assistance per 

homeowner

Each Homeowner will be eligible for the assistance detailed below, up to $50,000 in total assistance from the Grantee, to be used only 

for expenses related to the homeowner’s primary residence. 

Expense Categories:

1. Homeowner's Insurance: all past due amounts, if any, plus the amount due at the next renewal, not to exceed 12 months.

2. Flood Insurance: all past due amounts, if any, plus the amount due at the next renewal, not to exceed 12 months.

3. HOA and Condominium Fees: all past due amounts, if any, plus the amount due at the next renewal, not to exceed 12 months.

4. Property Taxes: all past due amounts, if any, plus the amount due at the next period, not to exceed 12 months.

Program policy will define a process for exceptions to the maximum assistance. The LAHAF Program will separately track and report 

each of the four expense categories above as per the US Treasury budgetary guidelines.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• One or more of the four expense categories listed above must not be included as part of a mortgage escrow payment.

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed electronically through 

Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide tax forms 

 or current paystubs.

• Current statements or invoices from each vendor for which the applicant is requesting assistance.

Loan eligibility criteria

specific to the 

program

N/A

Form of assistance Assistance will be structured as a non-recourse grant.

Payment 

requirements

Payments will be made directly to the vendor.

LOUISIANA
CRITERIA MEASURES TO PREVENT HOMEOWNER DISPLACEMENT

Brief description HAF funds may be used to supplement other assistance options offered by the program. In order to prevent future delinquencies, 

foreclosures, and defaults, a subset of *RestoreLA applicants may receive mortgage payment assistance while they are displaced 

from their home because of repairs and/or reconstruction completed under the RestoreLA program. This will lessen the financial 

burden of applicants having to pay their mortgage and rental expenses of a second residence. This option will typically be reserved 

for a subset of RestoreLA applicants who have elected for the State of Louisiana to handle their construction needs.

This program option may be offered to other applicants on a case-by-case basis. 

*RestoreLA is a HUD-funded CDBG-DR block grant to aid in repairs of Louisiana homes damaged by natural disasters.

Maximum amount of 

assistance per 

homeowner

Qualified homeowners will be eligible for up to $50,000 in total assistance from the Grantee to be used only for the homeowner’s 

primary residence. Program policy will define a process for exceptions to the maximum assistance.

Homeowner eligibility

criteria and

documentation 

requirements

Same as General Eligibility Requirements plus:

• Referral by the RestoreLA program

Documentation Requirements:

• Primary residence—LA uses third party state tax commission data for ownership and occupancy verification when possible

• Release of Information Authorization Form—LA include forms with the electronic grant application submittal which is signed electronically through 

Adobe Sign.

• Income documentation—LA has multiple tier source of third party data verification:

 1. Louisiana Workforce Commission 2020 - 2022 reported income and unemployment benefits;

 2. Proxy methodology using census tract data;

 3. In the event third party data is not available for verification in grant management system, then applicant is required to provide tax forms 

 or current paystubs.

• Mortgage holder—LA obtains this information through the application and then verifies information with CDF (Common Data File) from lenders which 

is integrated within the grants management system (Counselor Direct). In the event third-party data verification is not available, the applicant may be 

required to submit additional supporting documentation.

Loan eligibility criteria

specific to the 

program

Loan must be current. If not, applicant should also apply for mortgage reinstatement assistance.

Form of assistance Assistance will be structured as a non-recourse grant and will not count as Duplication of Benefits for the RestoreLA program.

Payment 

requirements

Payments will be made directly to the mortgage lender or servicer as appropriate.

LOUISIANA