Page 1 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Virginia Housing Development Authority

HAF Grantee Plan Name

HAFP-0092
Page 2 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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 12/13/2021 11:57 AM

Total Plan Requested Amount $258,444,431.00

Record Type State

Application Record SLT-0003

HAF Grantee Plan Status (external) Funded
Page 3 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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.

Census ACS Demographic Data, ZIP Code, 2015-1019

HUD CHAS Data, Locality/County, 2013-2017; AMI housing data

CoreLogic, Loan Level Market Analytics Servicing Data for Virginia, ZIP Code, July 2021

CoreLogic, Custom LLMA Analytics Report for Virginia, ZIP Code, July 2021

Core Logic, Open Liens Data for Virginia, Address Level, July 2021

Core Logic, Demographic Info from Location Inc for Virginia, ZIP Code, July 2021

CDC SVI, Social Vulnerability, Count/Census Tract, 2018

Census Bureau Community Resilience Estimates, County, 2018, 2019

Bureau of Labor Statistics Unemployment Numbers, Locality, April 2021

Virginia Employment Commission Unemployment Numbers, Locality, April 2021

CFPB Mortgage Delinquency Data, County, metro and non-metro areas, September 2020

Virginia Realtors Home Values, County, May 2021

VA DOT Manufactured Homes, Locality, July 2021

US Department of Treasury, Loan Data

Virginia State Data and Virginia Housing Mortgage Loan Portfolio Data, ZIP Code, July 2021

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.

• Dragas Center for Economic Analysis and Policy, Strome College of Business, Old Dominion

University: 2020 State of the Commonwealth, December 2020. Annual report documents

quantitative data on experience and impacts of economy in Virginia, analyzing disparate impacts

on minority populations.

• Neal, M., Young, C. (2020), Delinquent Homeowners in Neighborhoods of Color are less Likely

to be Protected by Forbearance, Urban Institute. Researchers analyzed credit bureau data and

ACS data to determine delinquency rates and forbearance uptake among racial groups. 

• National Fair Housing Alliance, 2021 Fair Housing Trends Report. This report provides an
Page 4 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

annual snapshot of fair housing enforcement activities across the nation. 

• Young, C. (2018), 50 Years after the Fair Housing Act – Inequality Still Lingers, Trulia

Research Special Reports. Analysis produced in partnership between National Fair Housing

Alliance and Trulia, with input from Kirwan Institute for the Study of Race and Ethnicity (Ohio

State University). The report analyzes housing disparities including unequal housing

opportunities across racial and ethnic groups but was not specific to Virginia.

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?

No

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.

N/A. Virginia did not participate in the Hardest Hit Fund program.

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.
Page 5 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Accomack-Northampton Planning District Commission

23372 Front Street ,Accomac,Virginia 23301

https://www.a-npdc.org/accomack-northampton-pla...

Appalachian Community Action & Development Agency,

Inc.(AppCAA)

175 Military Lane ,Gate City,Virginia 24251

https://appcaa.org/

Blue Ridge Housing Network

134-A Peyton Street Front,Royal,Virginia 22630

http://blueridgehousingnetwork.org/

Catholic Charities of Eastern Virginia, Inc.

5361 Virginia Beach Blvd. ,Virginia Beach,Virginia 23462

https://cceva.org/services/financial-housing-co...

Norfolk Redevelopment & Housing Authority - HomeNet

Homeownership Center

555 E Main St ,Norfolk,Virginia 23510

http://www.nrha.us/

Central Virginia Housing Coalition

2300 CHARLES STREET ,FREDERICKSBURG,Virginia 22401

https://centralvahousing.org/

centro de apoyo Familiar

6231 Leesburg Pike Suite 410,Falls Church,Virginia 22044

https://mycaf.org/

Child & Family Services of Eastern Virginia d/b/a The Up Center

150 W. Boush Street Ste. 500,Norfolk,Virginia 23510

https://www.theupcenter.org/

Danville Redevelopment and Housing Authority

35 Jones Crossing ,Danville,Virginia 24541

https://www.drhava.com/

Hampton Redevelopment Housing Authority

1 Franklin Street Suite 603,Hampton,Virginia 23669

http://www.hamptonrha.com/

Commonwealth Catholic Charities

1601 Rolling Hills Drive ,Richmond,Virginia 23229

https://www.cccofva.org/
Page 6 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Community Housing Partners

48 Depot Street NE ,Christiansburg,Virginia 24073

https://www.communityhousingpartners.org/

Northern Virginia Family Services

10455 White Granite Dr #100,Oakton,Virginia 22124

https://www.nvfs.org/

Cornerstones

11150 Sunset Hills Road Suite 210,Reston,Virginia 20190

https://www.cornerstonesva.org/

Piedmont Housing Alliance

682 Berkmar Cir ,Charlottesville,Virginia 22901

https://piedmonthousingalliance.org/

First Home Alliance

3138 Golansky Blvd Suite 202,Woodbridge,Virginia 22192

https://firsthomealliance.org/

James City County

101 Mounts Bay Road ,Williamsburg,Virginia 23185

https://www.jamescitycountyva.gov/

Latino Economic Development Corporation of Washington, DC

2300 9th Street South Suite 300 B,Arlington,Virginia 22204

https://www.ledcmetro.org/

Hampton Roads Community Action Program, Inc.

2410 Wickham Avenue ,Newport News,Virginia 23607

https://hrcapinc.org/

Helping Overcome Poverty's Existence

680 West Main Street ,Wytheville,Virginia 24382

https://www.wythehope.org/

Housing Opportunities Made Equal of Virginia, Inc. (HOME)

626 East Broad Street Suite 400,Richmond,Virginia 23219

https://homeofva.org/

Korean Community Service Center of Greater Washington

7700 Little River Turnpike #406,Annandale,Virginia 22003

http://www.kcscgw.org/

New River Community Action, Inc.

1093 E Main St ,Radford,Virginia 24141

https://newrivercommunityaction.org/

STOP Inc

5700 Thurston Ave STE 101,Virginia Beach,Virginia 23455

https://www.stopinc.org/
Page 7 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Lynchburg Community Action

1010 Main St ,Lynchburg,Virginia 24504

https://lyn-cag.org/

People Incorporated of Virginia

1173 W Main St ,Abingdon,Virginia 24210

https://www.peopleinc.net/

Quin Rivers, Inc. dba Thrive Virginia

7911 Courthouse Cir, ,New Kent,Virginia 23124

https://thriveva.org/

Skyline Community Action Partnership

532 S Main St ,Madison,Virginia 22727

http://skylinecap.org/

Southeast Rural Community Assistance Project, Inc

347 Campbell Ave SW ,Roanoke,Virginia 24016

http://www.southeastrcap.org/

Southside Outreach Group

1425 Seymour Dr ,South Boston,Virginia 24592

https://www.ssorg.org/

Southside Community Development & Housing Corporation

1624 Hull St ,Richmond,Virginia 23224

https://www.scdhc.com/

Urban League of Hampton Roads, Inc.

7300 Newport Avenue ,Norfolk,Virginia 23505

https://ulhr.org/

Suffolk Redevelopment and Housing Authority

530 E Pinner St ,Suffolk,Virginia 23434

https://www.suffolkrha.org/

Telamon Corporation

808 Moorefield Park Drive #106, State Office -

Virginia,Richmond,Virginia 23236

https://www.telamon.org/

Total Action Against Poverty D/B/A Total Action For Progress

302 2nd St SW,Roanoke,Virginia 24001

https://tapintohope.org/

Virginia Cooperative Extension - Prince William County

8033 Ashton Avenue Suite 105,Manassas,Virginia 20109

https://prince-william.ext.vt.edu/

Volunteers of America Chesapeake, Incorporated

7901 Annapolis Road ,Lanham,Maryland 20706

https://www.voachesapeake.org/
Page 8 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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.

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Latino Economic Development Corporation of Washington, DC

2300 9th Street SouthSuite 300 B, Arlington, Virginia 22204

https://www.ledcmetro.org/

Virginia Realtors

10231 Telegraph Road, Glen Allen, Virginia 23059

https://virginiarealtors.org/

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

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

Yes

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

or published materials?

Yes

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

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

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

This HAF Plan was informed by a virtual public hearing (phone and video access) held August 5

regarding housing needs and the Virginia Mortgage Relief Program. Draft Plan was published

on July 21, 2021, public comments accepted through August 6, 2021- by mail, e-mail, and web

submission. Draft plan published in English and Spanish to three websites, and numerous

community-based organizations were informed of this publication so that they could inform

communities they serve. An ASL interpreter was provided at the public hearing. Public notice

was published in 5 newspapers of general circulation along with electronic listing posted to the

Virginia Town Hall and Virginia Commonwealth Calendar. It was physically posted to the area

designated for public notices at Virginia Housing’s headquarters lobby, CEO’s office, and The

City of Richmond Circuit Court. It was emailed to 240+ industry professionals, local officials,

and nonprofits focusing on homeownership issues and the Draft Plan was emailed to all 200 of
Page 9 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

the HUD Housing Counselors in the Commonwealth. Sessions were held with Virginia Housing’s

Homeowner Advisory Group, The Virginia Bankers Association, and Agriculture and farmers’

stakeholders, including: Virginia Farm Bureau, the Black Family Land Trust, Office of

Farmland Preservation, Virginia Department of Agriculture and Consumer Services, and the

Virginia Secretary of Agriculture and Forestry’s staff. The Virginia Department of Housing and

Community Development posted information on the public hearing on their Virginia Rent Relief

Program webpage. Information about the plan was posted to Virginia 2-1-1.

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?

None known at this time
Page 10 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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 
Page 11 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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

Virginia Term Sheets_Final 8/17/2021 4:25 PM

Virginia Consolidated Term Sheet.revised 12.11.21 12/13/2021 10:50 AM

Virginia Response to Treasury Feedback Revised 12.11.21 12/13/2021 11:54 AM

Virginia Response to Treasury Feedback 11/18/2021 10:13 AM

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

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

of this submission?

Yes

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

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

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

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

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

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

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

submission)

Program

Design

Element

Deviation from sample terms Justification

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Requires bankruptcy court

approval to participate

The requirement is not a bar to participation, but

however is required in order for a servicer or other

payee to accept payment on the eligible applicant’s

behalf if the property owner is in bankruptcy.
Page 12 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Applicants that have been in a

forbearance plan and gone

through the loss mitigation

process (such as a HUD partial

claim) are not eligible for

VMRP. However, if there is a

subsequent eligible financial

hardship, they may be eligible

if all other criteria are met.

Virginia Housing believes that a program requirement

forcing applicants to first seek Loss Mitigation options

through their servicers would be burdensome on both

the homeowners and loan servicers and therefore has

excluded this as a requirement from the program

design. While Virginia Housing is not requiring VMRP

applicants seeking mortgage payment assistance to first

seek loss mitigation relief from their loan servicer, the

requirement that applicants that have been in a

forbearance plan and gone through the loss mitigation

process are not eligible is intended to be consistent with

Treasury guidance recommending participants to avoid

using HAF funds in a manner that replaces other

loss-mitigation resources. These individuals may be

eligible for future VMRP programs approved by

Treasury in amendment(s) to this HAF Plan.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Socially disadvantaged

individual (SDI) may be any

household member and such

household can have income up

to the 150% AMI limit, as

defined in the Treasury

guidance.

Unclear from Treasury guidance whether the SDI must

be the homeowner. However, a more broad application

of SDI to any household member appears to be

consistent with the guidance’s intent.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Expenses due prior to 1/21/20

are not eligible. If such

expenses are owed, applicant

must have other sources of

funds or agreement with

servicer to address.

This is a decision Virginia Housing is making as a

prioritization of funds, given limited program resources.

It also reflects that, based upon Virginia Housing’s

experience administering the landlord component of the

Virginia Rent Relief Program which covers only past

due amounts after April 1, 2020, these expenses are

unlikely to be COVID related.
Page 13 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Use of fact specific proxy

(FSP) only on an exception

basis.

In addition to a self-attestation of income, Virginia

Housing intends to income qualify applicants using

income documentation. FSP (together with a

self-certification) will be used on an exception basis

only where documenting income proves to be

impossible or impractical based on extenuating

circumstances (such as the examples listed in Treasury

guidance). This is not expected to be an unnecessary

impediment given that individuals that have obtained

homeownership have a history of providing this

documentation in connection with loan qualification.

Also this requirement will be a guard against fraudulent

self-attestations for the integrity of the program.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

New Treasury Guidance dated

August 2, 2021, changed

eligible expenses related to

hardship such that

“Homeowners are eligible to

receive amounts allocated to a

HAF participant under the

HAF if they experienced a

financial hardship after

January 21, 2020 (including a

hardship that began before

January 21, 2020, but

continued after that date)”.

The program has not adopted

the “including a hardship that

began before January 21,

2020, but continued after that

date” and requires that

hardship begin after January

21, 2020.

This is a decision Virginia Housing is making as a

prioritization of funds, given limited program resources.

It also reflects that, based upon Virginia Housing’s

experience administering the landlord component of the

Virginia Rent Relief Program which covers only past

due amounts after April 1, 2020, these expenses are

unlikely to be COVID related.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

In instances where there is no

outstanding mortgage on a

dwelling, but other housing

expenses are being paid with

HAF funds (such as real estate

taxes and insurance), Virginia

Housing will apply an

eligibility criterion that the

current assessed value of the

land and dwelling (as

determined by the local taxing

authority) does not exceed the

applicable current conforming

loan limit (CLL).

This is consistent with the CLL requirement where

there is a mortgage outstanding, and it guards against

the political and reputational risk to the program if

expenses were paid on high value properties rather than

properties accessible for ownership by first-time

homeowners and other low- and moderate-income

Virginians (Virginia Housing’s mission).
Page 14 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

In addition to paying a

qualifying loan and insurance

on an unattached mobile

home, Virginia Housing

proposes to pay personal

property tax (on the housing

unit) and delinquent lot rental

fees on behalf of eligible

applicants owning unattached

mobile homes.

Personal property tax and lot fees on an unattached

mobile home are not specifically enumerated in the

Treasury guidance; however, it does seem consistent

with the intent of the program and is analogous to real

estate tax on an attached mobile home. Unpaid personal

property tax could lead to a lien on the unattached

mobile home. Unpaid lot fees could cause the owner of

the unit to be forced to leave the mobile home park.

Also, the cost of the land is included in the payment on

an attached mobile home loan, so lot rent on an

unattached unit seems analogous. Note that applications

for only lot rental fees would be referred to the Virginia

Rent Relief Program for payment; however, if other

expenses are being paid, the lot rent will be paid from

VMRP to avoid homeowner having to make multiple

applications for relief to separate programs.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

Mortgage principal reduction,

mortgage interest rate

reductions, utilities, internet

service, home repairs,

assistance to enable

households to receive clear

title to their properties,

counseling or educational

efforts or legal services for

applicants are not eligible uses

of Virginia HAF funds.

This is a decision Virginia Housing is making as a

prioritization of funds, given limited program resources.

State, local, and private utility relief programs in

Virginia provide a source of funds for these payments.

Regarding home repairs, home equity lines of credit

(HELOCs) and other second loans are eligible for

VMRP reinstatement and in some cases continuing

monthly payments. Regarding clearing title, U.S.

Department of Agriculture is providing $67 million in

competitive loans through the new Heirs’ Property

Relending Program, which aims to help agricultural

producers and landowners resolve heirs’ land

ownership and succession issues. Also, Virginia

Housing has created a website 

www.StayHomeVirginia.com with information for

homeowners on federal programs, housing counselors,

foreclosure prevention and legal aid contacts and

Virginia Housing intends to also add these links to its

VMRP web site.

Further, apart from VMRP and not to be reimbursed by

HAF funds, Virginia Housing is committed to

providing Housing Counseling resources to support the

Virginia HUD-approved Housing Counseling Network.

Through a program utilizing Virginia Housing’s net

assets, it has provided HUD-approved Housing

Counseling Programs approximately $2.5 million

annually. In FY22 we have increased our commitment

to $3.5 million. The increase in funds is to specifically

support to housing counseling and education services,

to households facing housing instability such as

eviction, default, foreclosure, or loss of income that

caused or could cause eviction, default, foreclosure or

homelessness. Virginia Housing intends to hold

information sessions with the housing counselors once

the final VMRP program is announced.
Page 15 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

2-4 unit properties are not

eligible.

This is a decision Virginia Housing is making as a

prioritization of funds, given limited program resources.

Also, rent relief programs are likely to provide adequate

support for the owner of these quasi-investment

properties in many cases.

Mortgage

Reinstatement,

Mortgage

Payment,

Taxes,

Insurance,

HOA/Condo

Fees, Payment

Assistance on

Down

Payment Loan

A program assistance cap of

$30,000 or 20 months of

assistance, whichever is less,

is in place. If requested

assistance exceeds this

amount, applicant must have

other sources of funds or

agreement with servicer to

address.

This is a decision Virginia Housing is making as a

prioritization of funds, given limited program resources.

It reflects a reasonable estimate of maximum mortgage

assistance needed by affected low- and

moderate-income Virginians during the covered period

after reviewing Virginia Housing’s loan portfolio

delinquency information and the other data sources

listed in this document. The amount and duration are

consistent with other peer Housing Finance Agencies.

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?

No

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
Page 16 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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.

Not applicable, as no exclusions are being made.

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.

VMRP eligibility requirements will permit Treasury’s priority for socially disadvantaged

individuals to be satisfied by any household member, rather than by only the applicant

themselves. In the absence of clear Treasury Guidance to the contrary, this broader and more

inclusive application of the socially disadvantaged individual definition appears to be consistent

with the overall goals of the HAF program and is in keeping with Virginia Housing’s mission.

The VMRP pre-screening process provides the Treasury definition of Socially Disadvantaged

Individual to the applicant and asks whether or not the applicant or anyone in his or her

household meets the definition. Applicants who select yes, will be classified as socially

disadvantaged.

Public Communications
Page 17 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Will the Participant engage in a public communications campaign to raise awareness among targeted

populations about the availability of HAF resources, in media such as television, newspapers, online media,

or social media?

Yes

If yes, please indicate whether the public communications campaign will include communications that

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

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

American society; 

 resident of a majority-minority Census tract; (3) 

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

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

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

will be undertaken:

Spanish

Outreach

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

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

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

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

Yes

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

that primarily target the following populations:

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

American society; 

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

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

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Housing Counseling and Legal Services
Page 18 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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

HUD Housing Counseling Agencies

Multiple Agencies , Richmond, Virginia 23224

https://www.vhda.com/Homebuyers/Pages/Housing-C...

Virginia Legal Aid

Multiple Agencies , Richmond, Virginia 23229

https://www.valegalaid.org/

Virginia Poverty Law Center

919 East Main Street Suite 610, Richmond, Virginia 23219

https://vplc.org/what-we-do/

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?
Page 19 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Yes
Page 20 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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 Payment

Assistance

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

AMI

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

mortgage payment assistance

provided

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 3,000 homeowners

 Assist at least 1,500 homeowners at 100% AMI

or below

 Assist at least 1,500 socially disadvantaged

homeowners

 Commit $65M dollars of mortgage payment

assistance

 $32.5M dollars to 100% AMI or below

 $32.5 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
Page 21 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Mortgage

Reinstatement

 Number of mortgages

reinstated

 Number of homeowners at

or below 100% AMI assisted

 Number of socially

disadvantaged homeowners

assisted

 Dollar value paid for

mortgage reinstatement

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners

 Number of days spent to

provide assistance

 Assist 6,400 homeowners

 Assist at least 3,200 homeowners at 100% AMI

or below

 Assist at least 3,200 socially disadvantaged

homeowners

 Commit $115M dollars of mortgage payment

assistance

 $57.5M dollars to 100% AMI or below

 $57.5M dollars to socially disadvantaged

 Average of 60 days or less to provide assistance

Payment Assistance for

Homeowner’s

Insurance

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

AMI

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

insurance payment

assistance provided

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners

 Number of days spent to

provide assistance

 Assist 1200 homeowners

 Assist at least 600 homeowners at 100% AMI

or below

 Assist at least 600 socially disadvantaged

homeowners

 Commit $8M dollars of homeowner’s or other

property insurance payment assistance

 $4M dollars to 100% AMI or below

 $4M dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
Page 22 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Payment Assistance for

HOA fees or liens

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

AMI

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

home ownership cost

assistance provided

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners

 Number of days spent to

provide assistance

 Assist 1200 homeowners

 Assist at least 600 homeowners at or below

100% AMI

 Assist at least 600 socially disadvantaged

homeowners

 Commit $8M dollars of homeowner,

condominium association payment assistance

 $4M dollars to 100% AMI or below

 $4M dollars to socially disadvantaged

 Average of 60 days or less to provide assistance

Payment Assistance for

Down Payment Assist.

Loans

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

AMI

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

assistance provided

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners

 Number of days spent to

provide assistance

 Assist 1200 homeowners

 Assist at least 600 homeowners at or below

100% AMI

 Assist at least 600 socially disadvantaged

homeowners

 Commit $8M dollars of mortgage payment

assistance for second mortgage down payment

assistance loans

 $4M dollars to 100% AMI or below

 $4M dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
Page 23 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Payment Assistance for

Delinquent Property

Taxes

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

AMI

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

property tax assistance

provided

 Dollar value provided to

homeowners at or below

100% AMI

 Dollar value provided to

socially disadvantaged

homeowners

 Number of days spent to

provide assistance

 Assist 2000 homeowners

 Assist at least 1000 homeowners at or below

100% AMI

 Assist at least 1000 socially disadvantaged

homeowners

 Commit $11M dollars of property tax payment

assistance

 $5.5M dollars to LMI

 $5.5M dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
Page 24 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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?

No

Does the Participant anticipate significant information technology system upgrades to implement this HAF

Plan?

No

Does the Participant have policies or procedures that govern the implementation of each HAF program

design element described in this HAF Plan?

Yes

Will the Participant use HAF funds to assist eligible households through a program that was operational

before the Participant first received HAF funds?

No

Will the Participant use any third-party contractor or partner to conduct program administration (such as

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing

compliance) for some or all of the Participant’s HAF programs?

Yes

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or

partners that will conduct program administration?

Yes

Use of Initial Payment

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

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

What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$249,757.25

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?
Page 25 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Yes

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

$1,389,954.68

How many households have applied for HAF assistance?

432

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

funds?

0

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

18

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

The initial 10% allocation of HAF funding is being used to perform the VMRP Pilot. Virginia

Housing may defer reimbursement of administrative costs of the needs assessment, VMRP

design, public hearing, technology system solution (licenses for which our VMRP consultant is

providing as part of our contract), all other fees to our VMRP consultant, and all other

administrative costs until receipt of the balance of HAF Funds from Treasury and make such

reimbursement from those additional funds, in order to maximize Pilot Program Funds.

11/18/2021 See uploaded document in Term sheet Agreement
Page 26 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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 $65,900,329.90

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $8,786,710.65

Payment Assistance for Delinquent Property Taxes $11,573,421.31

Mortgage Reinstatement $115,833,883.19

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $8,786,710.65

Payment Assistance for Down Payment Assist. Loans $8,786,710.65

Payment Assistance for Homeowners Utilities $0.00

Other measures to prevent homeowner displacement

Measure Amount

NA $0.00

Displacement Prevention Sub-Total $219,667,766.35

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.
Page 27 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $0.00

Legal Services $0.00

Services Sub-Total $0.00

Reimbursement of Funds Expended After January 21, 2020

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF

for a qualified expense (with certain limitations, as set forth in the HAF guidance).

Type of Expense Amount

NA $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

Planning $2,000,000.00

Community Engagement $2,810,000.24

Needs Assessment $1,000,000.00

Contracted Services $25,000,000.00

Systems, Comms, Data Software Access, Support and Management $1,669,070.88

Project Delivery & Compliance Services/Supplies $3,545,000.00

Agency Labor $2,752,593.53

Administrative Expenses Sub-Total $38,776,664.65

Total Plan Requested Amount $258,444,431.00

Amount Requested Confirmation:
Page 28 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

Yes
Page 29 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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: Llewellyn Anderson

Agency/Office: Virginia Housing Development Authority

Email: llewellyn.anderson@virginiahousing.com

Phone Number: 8043435812

Reporting Contact

Name: Malika Mickey

Agency/Office: Virginia Housing Development Authority

Email: malika.mickey@virginiahousing.com

Phone Number: 8043435877

Additional Contact

Name: Malika Mickey

Agency/Office: Virginia Housing Development Authority

Email: malika.mickey@virginiahousing.com

Phone Number: 8043435877

Proprietary or Otherwise Non-Public Information

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

No

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.
Page 30 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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

Civil Rights Document 8-17-21 8/17/2021 5:36 PM
Page 31 of 31

HAF Grantee Plan - HAFP-0092 -Virginia Housing Development Authority - Extracted 02/15/2022 15:49:04

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:

Virginia Housing Development Authority

Name and Title of Certifying Official

Name: Llewellyn Anderson

Title: Managing Director of Federal Programs

Telephone: 8043435812

Email: llewellyn.anderson@virginiahousing.com