HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 1 of 23

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by State of Alabama

HAF Grantee Plan Name

HAFP-0195
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 2 of 23

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 12/1/2021 6:10 PM

Total Plan Requested Amount $125,695,705.00

Record Type State

Application Record SLT-0027

HAF Grantee Plan Status (external) Funded
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 3 of 23

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. See 2.1 within attached plan.

• Data from Mortgage Servicing – The Alabama Housing Finance Authority (AHFA) worked

with ServiSolutions to obtain data on mortgage delinquencies among loans originated by AHFA.

See 2.1 within attached plan. 

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

AHFA obtained data from the Federal Housing Administration (FHA) regarding single-family

active loans and demographic information. See Section 2.1 within attached plan. 

• Congressional Research Service “The 10-20-30 Provision: Defining Persistent Poverty

Counties” February 24, 2021 – We reviewed the persistent poverty counties across the state to

identify geographic areas where homeowners are considered socially disadvantaged. See Section

2.1 within attached 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?

Yes

If yes, please list and, briefly describe each source of quantitative data.

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

America,” February 2021 - This study outlays homeownership trends and affordability by race,

home buyer demographics, and home buyers and fair housing specifically as it relates to the

economic impact caused by the coronavirus pandemic. See Section 2.1 within the attached plan. 

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

geographic and demographic information across the state to determine census tracts that have a
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 4 of 23

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

Census Bureau American Community Survey 2015-2019 5-year estimate, Table: B03002. See

Section 2.1 within the attached plan. 

• Data from Industry Reports – The Participant obtained data from Data USA to identify certain

populations with limited English proficiency. See Section 2.1 within the attached plan.

• Data from My Tribal Area – AHFA obtained data on owner-occupied households per ACS for

two Indian reservations located within the state. See Section 2.1 within the attached plan.

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.

• Hardest Hit Fund Performance: Participant operated a HHF program and used experience

from this program 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?

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.
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 5 of 23

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Community Service Programs of West Alabama

527 Black Bears Way ,Tuscaloosa,Alabama 35401

https://www.cspwal.com/

Legal Services of Alabama

PO Box 20787 ,Montgomery,Alabama 36120

https://legalservicesalabama.org/

Community Action Partnership of Huntsville/Limestone & Madison

Counties

PO Box 3975 3516 Stringfield Road ,Huntsville,Alabama 35810

https://www.caa-htsval.org/

Center for Fair Housing

2867 Zelda Road ,Montgomery,Alabama 36106

https://centralalabamafairhousing.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-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 6 of 23

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Association of County Commissions of Alabama

2 N. Jackson St., Montogmery, Alabama 36104

https://www.alabamacounties.org/

Alabama League of Municipalities

535 Adams Ave, Montgomery, Alabama 36102

https://almonline.org/

The Alabama Indian Affairs Commission

717 S Lawrence St, Montgomery, Alabama 36104

https://aiac.alabama.gov/

Alabama Association of Habitat for Humanity Affiliates

3831 Pepperell Parkway, Opelika, Alabama 36801

https://alabamahabitat.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.

Public participation for the proposed HAF plan was presented for review and comment in a

public hearing format and direct solicitation from organizations that primarily serve low-,

moderate-income households, members of groups that have been subjected to racial or ethnic

prejudice or cultural bias within American society, residents of majority-minority Census tracts,

Indian Reservations, persistent poverty counties and individuals with Limited English

Proficiency.

The public hearing was in-person, and was conducted in a location, format, and time-of-day that

was reasonably accessible to all citizens (particularly low-income and moderate-income citizens).

Elected officials, public agencies, community groups, and interested parties were notified of such

public hearing(s) via the publication of a notice in a newspaper of general circulation within the

state of Alabama, by the posting of a notice on the AHFA website, email message(s) that are sent

to interested parties, or by such other manner(s) as may be requested or required. A two (2)

week public notice period was given for such a public hearing, and a public comment period that

lasted for a minimum period of five (5) days to a maximum period of thirty (30) days was

provided after the conclusion of the public hearing.
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 7 of 23

To supplement the public hearing, AHFA has already directly solicit feedback from HUD

housing counseling agencies, legal assistance organizations, local and tribal governments, and

homeowner-related trade organizations. The draft HAF was be posted, and these organizations

were given an opportunity to participate by sending comments directly to AHFA and/or

attending and commenting during the public hearing.

The draft HAF plan was made available to those individuals with Limited English Proficiency

and for those with a disability. To achieve this goal, AHFA posted the plan in English, Spanish,

Korean and in an Americans with Disabilities Act (“ADA”) accessible format.

How Will the Participant Continue to Assess the Needs of Eligible

Homeowners?

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address

the needs of potentially eligible homeowners as economic conditions change over time.

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

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

homeowners?

Yes

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

The MAA program will initially target HAF funds to bring eligible homeowners current on their

mortgage payments inclusive of principle, interest, and escrow (taxes and insurance, if

applicable), and stabilize housing. Although this is the primary focus of the program, AHFA

recognizes there are additional homeowner needs throughout the state, therefore, during the first

year of the program AHFA will monitor program performance, review additional data as it

becomes available and continue to assess the needs of Alabama households.

Continued homeowner assessment will examine needs for:

1. Payment assistance for delinquent property taxes

2. Payment assistance for homeowner, flood, and mortgage insurance

3. Payment assistance for homeowner association fees, liens, condominium association fess or

common charges

4. Homeowner Displacement Prevention, including home repairs, overcrowding alleviation and

title clearance

5. Reverse Mortgage Assistance

Data related to these needs listed above will be helpful in the assessment. At the conclusion of

additional homeowner needs assessments, and the availability of funds, AHFA will determine the

addition or subtraction of program design elements.
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 8 of 23

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-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 9 of 23

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

AL. Response 12/1/2021 6:07 PM

FINAL AHFA HAF Plan 9/28/2021 11:57 AM

AHFA HAF Updated Plan 12/1/2021 6:07 PM

AL HAF Sample Term Sheet - 11.22.21 - Updated 12/1/2021 5:53 PM

FINAL AL HAF Term Sheet 9/28/2021 11:56 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)
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 10 of 23

Program Design

Element

Deviation from sample

terms Justification

Mortgage Reinstatement

and Mortgage Payment

Assistance

HAF funds will not be

required to be only a

supplement to other loss

mitigation options offered

by the servicer under

investor requirements or

where, without HAF

funds, the homeowner

would not qualify for that

loss mitigation.

AHFA believes a loss mitigation analysis would

hamper the disbursement of funds to

homeowners and further delay vital assistance

to prevent foreclosure, eviction and homeowner

abandonment. Therefore, this requirement was

removed from the term sheet.

Mortgage Reinstatement

Reverse mortgages are not

an eligible mortgage for

assistance.

AHFA believes, based on the data-driven needs

assessment, the most pressing need in Alabama

is assistance for first mortgages, second

mortgages, and loans secured by manufactured

housing. Further, the data available at the time

of assessment did not include reverse

mortgages. AHFA will continue to assess the

needs of Alabama households and seek out

reverse mortgage needs in the future.

All Programs

Program will not offer

interest free loans payable

upon transfer on the

property and forgivable

over a period of time.

The program will be offering non-recourse

grants.

Property Charge Default

Resolution

HAF Funds may be used

to pay past due property

taxes, insurance premiums,

HOA fees, condominium

fees, cooperative

maintenance or common

charges that threaten

sustain ownership of the

property

AHFA believes the intent of these funds is to

address mortgage-related arrears and will be

focusing resources accordingly. Unless these

expenses are already accounted for in mortgage

payment escrow, they will not be included in

the term sheet. Need for this type of assistance

will be included in future needs assessments.

Utility/Internet/Broadband

Payment Assistance

Provide funds to resolve

delinquent payments for

utility and/or internet

access services.

AHFA believes the intent of these funds is to

address mortgage-related arrears and will be

focusing resources initially accordingly.

Additionally, there are programs in the state

offering this type of assistance at this time.

Mortgage Payment

Assistance Program, and

Loan Modification

Program

Repairs to a dwelling to be

made habitable so it may

serve as the homeowner’s

primary residence

Due to the overwhelming need for mortgage

assistance and reinstatement, AHFA will not be

offering rehabilitation assistance at this time.

AHFA will include home rehabilitation into

future needs assessments.

Documentation of Homeowner Income
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 11 of 23

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.

Written attestation plus a reasonable fact-specific proxy can be used for household income. The

homeowner will provide a written attestation as to household income, and AHFA will use a proxy

for the homeowner’s income verification. If the household is in a census tract with any of the

following distress and/or low-income designations, the household will be presumed to meet

income verification requirements:

a. FHFA Duty to Serve designations of Areas of Concentrated Poverty.

b. FFIEC designations of distressed, underserved, poverty, remote rural and/or unemployment.

c. HUD designations of Racial and/or Ethnic Areas of Concentrated Poverty; or

d. HUD designations of Qualified Census Tracts for use in the Low-Income Housing Tax Credit

(“LIHTC”) Program.

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 
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 12 of 23

 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.

Based on the data-driven needs assessment, the most pressing needs in Alabama are assistance

for first mortgages, second mortgages, and loans secured by manufactured housing.

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 Program will use a two-step method to determine whether a homeowner is a “socially

disadvantaged individual” as defined by the HAF guidelines. 

The first step is to verify if the Applicant’s home address falls within either 1) a

majority-minority Census tract, 2) a U.S. Territory, Indian reservation or Hawaiian Home Land,

or 3) a persistent-poverty county (meaning 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). If the Applicant resides within one of the geographic areas, they are

designated “socially disadvantaged” automatically. 

If the applicant does not fall within one of the geographic areas described above. The second

step, our application will have a section in which the applicant can self-attest to qualifying as a

“socially disadvantaged individual”. The attestation will ask the applicant if they identify as a

“socially disadvantaged individual” based on the following definition: “Socially disadvantaged

individuals are those whose 1) 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, stemming from circumstances

beyond the individuals control 2) member of a group that has been subjected to racial or ethnic

prejudice or cultural bias within American society or 3) individual with limited English

proficiency”. This will be a yes/no question in response to the definition above.

If the Applicant satisfies step one or provides a self-attestation in step two, the applicant will be

considered a “socially disadvantaged individual.”

Public Communications
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 13 of 23

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; Korean

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
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 14 of 23

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

Community Service Programs of West Alabama

527 Black Bears Way , Tuscaloosa, Alabama 35401

https://www.cspwal.com/

Legal Services of Alabama

P.Ol Box 30787 , Montgomery, Alabama 36120

https://legalservicesalabama.org/

Community Action Partnership of Huntsville/Limestone & Madison

Counties

3516 Stringfield Road , Huntsville, Alabama 35810

https://www.caa-htsval.org/

Targeting specific groups of homeowners

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

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

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

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

 have privately held mortgages? 

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

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?

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

including persons with limited English proficiency and those with disabilities.

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

program documents will be made available.

Spanish; Korean
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 15 of 23

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-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 16 of 23

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

• Number of homeowners assisted

o Number of homeowners assisted

with income less than 100% AMI

o Number of socially disadvantaged

homeowners assisted

• Dollar amount of mortgage payment

assistance provided

o Dollar amount provided to

homeowners with income less than

100% AMI

o Dollar amount provided to socially

disadvantaged homeowners

• Number of mortgages reinstated

• Dollar amount paid for mortgage

reinstatement

• Number of days spent to provide

assistance

• Assist 3,000 homeowners

o Assist 1,300 LMI homeowners

o Assist 1,400 socially disadvantaged

homeowners

• Commit $70M dollars of mortgage

payment assistance

o $42M dollars to LMI

o $28M dollars to socially disadvantaged

• 45 days to provide assistance

Facilitate Mortgage

Interest Rate

Reduction

• Number of mortgages refinanced 

o Homeowners with income less than

100% AMI

o Socially disadvantaged

homeowners

• Dollar amount paid for mortgage

refinance

o Homeowners with income less than

100% AMI

o Socially disadvantaged

homeowners

• Assist 1,300 homeowners

o Assist 500 LMI homeowners

o Assist 600 socially disadvantaged

homeowners

• Commit $30M dollars to refinance

mortgages

o $18M for mortgage refinancing for

homeowners with income less than 100%

AMI

o $12M for mortgage refinancing for

socially disadvantaged homeowners
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 17 of 23

Readiness

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan.

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan?

Yes

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

Plan?

Yes

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

design element described in this HAF Plan?

Yes

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

before the Participant first received HAF funds?

No

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

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

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

Yes

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

partners that will conduct program administration?

Yes

Use of Initial Payment

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

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

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

$148,190.00

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 18 of 23

Yes

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

$3,100,000.00

How many households have applied for HAF assistance?

366

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?

62

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

This disbursement information is through 9/24/2021. AHFA received the initial 10% payment

from US Treasury. The initial payment is being used for program administration expenses as

well as a pilot program. Additional details on the pilot program are within section 5.6 of the

attached Plan.
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 19 of 23

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 $35,278,460.00

Mortgage Principal Reduction $15,000,000.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $0.00

Payment Assistance for Delinquent Property Taxes $0.00

Mortgage Reinstatement $35,278,459.00

Facilitate Mortgage Interest Rate Reduction $15,000,000.00

Payment Assistance for Homeowner’s Insurance $0.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $0.00

Other measures to prevent homeowner displacement

Measure Amount

N/A $0.00

Displacement Prevention Sub-Total $100,556,919.00

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-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 20 of 23

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $3,142,393.00

Legal Services $3,142,393.00

Services Sub-Total $6,284,786.00

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 and benefits $6,380,000.00

Professional Services $8,275,000.00

Information Technology & Communications $1,100,000.00

Advertising $1,250,000.00

Building, leases & equipment $550,000.00

General and administrative $1,299,000.00

Administrative Expenses Sub-Total $18,854,000.00

Total Plan Requested Amount $125,695,705.00

Amount Requested Confirmation:

Yes
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 21 of 23

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: Carrie Hamaker

Agency/Office: Alabama Housing Finance Authority

Email: chamaker@ahfa.com

Phone Number: 3342449200

Reporting Contact

Name: Cathy Jame

Agency/Office: Alabama Housing Finance Authority

Email: cjames@ahfa.com

Phone Number: 3342449200

Additional Contact

Name: Jimmy McLemore

Agency/Office: Alabama Housing Finance Authority

Email: jmclemore@ahfa.com

Phone Number: 3342449200

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-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 22 of 23

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

FINAL Assurances of Compliance 9/28/2021 12:55 PM
HAF Grantee Plan - HAFP-0195 -State of Alabama - Extracted 02/15/2022 22:02:45 Page 23 of 23

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 Alabama

Name and Title of Certifying Official

Name: Cathy James

Title: Business Development Manager

Telephone: 3342449200

Email: cjames@ahfa.com