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United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Pennsylvania Housing Finance Agency (PHFA)

HAF Grantee Plan Name

HAFP-0131
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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 12/17/2021 1:11 PM

Total Plan Requested Amount $350,361,655.00

Record Type State

Application Record SLT-0075

HAF Grantee Plan Status (external) Funded
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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.

1. Home Mortgage Disclosure Act loan level data (2007 to 21019).

2. U.S. Census, American Community Survey (ACS), 5-year Estimates (2015-2019). Homeowner

Counts, race/ethnicity, median income, MSAs.

3. Pennsylvania HFA Borrower Records (July 2021).

4. Bureau of Labor Statistics, Local Area Unemployment Numbers, (2020 to Q1 2021).

5. ZIP Code-level Mortgage Analytics and Performance Data (MAPD) compiled by BlackKnight

and provided by Federal Reserve Bank of Atlanta (Q1 2021). 

6. Federal Reserve Bank of Philadelphia analysis of U.S. Census Longitudinal

Employer-Household Dynamics (2018). Census tract level estimates of employment at risk for

job loss due to COVID-19.

7. Pennsylvania Utilities Law Project (2021). Number of at-risk accounts and dollar amounts for

at-risk accounts for select utility providers in PA – February 2021 and July 2021.

8. Philadelphia Legal Assistance, Foreclosure in Philadelphia (July 2021). Current rates of

mortgage and real estate tax foreclosure by neighborhood in Philadelphia. 

https://docket.philalegal.org/data/foreclosure-report/

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or

housing finance market?

No

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its

planning about how to target and best serve eligible homeowners at risk of displacement due to utility

arrearage or tax foreclosure?

Yes

If yes, please list and, briefly describe each source of quantitative data.
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1. Western Pennsylvania Regional Data Center Allegheny County and City of Philadelphia tax

delinquency. List of tax delinquent properties and arrearages. 

2. Pennsylvania Utilities Law Project delinquent utility account data. Number of at-risk accounts

and dollar amounts for at-risk accounts for select utility providers in PA – February 2021 and

July 2021.

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.

• HEMAP. HEMAP is a long established state-run program that provides assistance to

homeowners with conventional mortgages who are facing foreclosure; PHFA administers

HEMAP. The HEMAP mechanism is that servicers send PA Act91 Notices to homeowners at the

point where a foreclosure would be filed; the foreclosure cannot be filed until the rights under

Act91 are exhausted (i.e., homeowners do not apply for help or they apply for help and are

denied). If PHFA approves an application, the lender is brought current and the foreclosure is

not filed. These data helped quantify the characteristics of the recent history of Pennsylvanians

facing foreclosure as well as the communities within which they lived. 

• PHFA loan servicing portfolio. Data on PHFA’s loan servicing portfolio was critical to the

process because the HAF Pilot was targeted to these homeowners who were delinquent and at

risk of foreclosure. Servicing data on these homeowners allowed for a quantification of the

degree to which homeowners were behind in their mortgage payments and the total arrearages

they had accumulated. These data also allowed for an understanding of delinquency by

homeowners’ level of income as well as the communities within which homeowners resided. 

• University of Pennsylvania, Department of City Planning. In 2019, the University of

Pennsylvania, Department of City Planning, was contracted to created a Comprehensive Housing

Study for the Commonwealth. This broad reaching analysis of housing needs, supply, demand

and policy issues including homeownership, rental, transportation, employment and other

critical housing/community development issues. The data was evaluated for each county and

resulted in a housing “snapshot/profile” for each county that has helped guide localized housing

programs.

• CFPB Report of the demographics of mortgage borrowers at-risk of displacement as a result of

the pandemic.

https://files.consumerfinance.gov/f/documents/cfpb_characteristics-mortgage-borrowers-during-covid-19-

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

statutory targeting requirements.

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

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?

Yes

Provider information

If yes, please list such providers, including the providers’ address and website. Please indicate by checking

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income

households or to address the impacts of housing discrimination on one or more demographic groups in the

Participant’s jurisdiction.

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Tenfold

308 East King Street ,Lancaster,Pennsylvania 17602

https://wearetenfold.org/

Northwest Counseling Service, Inc.

6521 North Broad Street ,Philadelphia,Pennsylvania 19126

http://www.nwcsinc.org

Southwestern Pennsylvania Legal Aid

10 W. Cherry Avenue ,Washington,Pennsylvania 15301

https://spla.org/

Pathstone

450 Cleveland Avenue ,Chambersburg,Pennsylvania 17201

http://www.pathstone.org

Justice at Work

990 Spring Garden Street, Suite 300 ,Philadelphia,Pennsylvania 19123

https://www.justiceatworklegalaid.org/

Laurel Legal Services

16 E. Otterman Street ,Greensburg,Pennsylvania 15601

https://laurellegalservices.org/

Housing Transitions

226 East Nittany Avenue ,State College,Pennsylvania 16804

http://www.housingtransitions.org/housing-found...

Intercultural Family Services, Inc.

4225 Chestnut Street ,Philadelphia,Pennsylvania 19104

http://www.ifsinc.org
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Southwest Community Development Corporation

6328 Paschall Ave ,Philadelphia,Pennsylvania 19142

http://www.southwestcdc.org

Urban League of Pittsburgh

610 Wood Street; 2nd Floor ,Pittsburgh,Pennsylvania 15222

http://ulpgh.org/

United Communities of Southeast Philadelphia

2029 South 8th Street ,Philadelphia,Pennsylvania 19148

http://www.ucsep.org

Advantage Credit Counseling Services, Inc.

2403 Sidney Street ,Pittsburgh,Pennsylvania 15203

http://www.advantageccs.org

Affordable Housing Centers of PA

846 North Broad Street ,Philadelphia,Pennsylvania 19130

http://www.ahcopa.org

Blair County Community Action Program

2301 Beale Avenue ,Altoona,Pennsylvania 16601

http://www.blaircap.org

New Kensington Community Development Corp

2771 Ruth Street, Suite 1 ,Philadelphia,Pennsylvania 19134

http://www.nkcdc.org/

Urban League of Philadelphia

121 South Broad St; 10th Floor ,Philadelphia,Pennsylvania 19107

http://www.urbanleaguephila.org

Center for Family Services

213 W Center St ,Meadville,Pennsylvania 16335

http://www.ctrforfamilyservices.org

Mt. Airy CDC

6703 Germantown Avenue, Suite 200 ,Philadelphia,Pennsylvania 19119

http://www.mtairycdc.org

Neighborworks Western Pennsylvania

710 Fifth Avenue; Suite 1000 ,Pittsburgh,Pennsylvania 15219

http://www.neighborworkswpa.org/

Center in the Park

5818 Germantown Avenue ,Philadelphia,Pennsylvania 19144

http://www.centerinthepark.org

BASE, Inc.

447 South Prince Street ,Lancaster,Pennsylvania 17603

https://baseinc.org/
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Philadelphia Chinatown Development Corporation

301-305 North 9th Street ,Philadelphia,Pennsylvania 19107

http://chinatown-pcdc.org/

Schuylkill Community Action

225 North Centre Street ,Pottsville,Pennsylvania 17901

https://schuylkillcommunityaction.com/

Asociación Puertorriqueños en Marcha, Inc.

1900 North 9th St ,Philadelphia,Pennsylvania 19122

http://www.apmphila.org

Philadelphia Legal Assistance

718 Arch Street, Suite 300N ,Philadelphia,Pennsylvania 19106

https://philalegal.org/

Clarifi

1635 Market Street, Suite 510 ,Philadelphia`,Pennsylvania 19103

http://www.clarifi.org

Chester Community Improvement Project

23 E. 5th St. 2nd Floor ,Chester,Pennsylvania 19013

http://www.cciphousing.org/

North Penn Legal Services

559 Main Street, Suite 200 ,Bethlehem,Pennsylvania 18018

https://www.nplspa.org/

Trehab

36 Public Avenue ,Montrose,Pennsylvania 18801

http://www.trehab.org

Willissae''s Agency For Vision and Empowerment (WAVE)

134 South Highland Avenue, Suite 6 ,Pittsburgh,Pennsylvania 15206

http://www.waveoflife.org

Pennsylvania Utility Law Project

118 Locust Street ,Harrisburg,Pennsylvania 17101

https://www.rhls.org/utilities/pulp/

Unemployment Information Center

112 North Broad Street; 11th Floor ,Philadelphia,Pennsylvania 19102

http://www.philaup.org

Urban League of Pittsburgh

610 Wood Street; 2nd Floor ,Pittsburg,Pennsylvania 15222

http://ulpgh.org/

Genesis Housing

1430 DeKalb Street; Suite 2020 ,Norristown,Pennsylvania 19401

http://genesishousing.org/
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Cumberland County Housing and Redevelopment Authorities

114 North Hanover Street ,Carlisle,Pennsylvania 17013

http://www.cchra.com

Grace Neighborhood Development Corporation

5221 Oxford Avenue ,Philadelphia,Pennsylvania 19124

http://www.gndchca.com/

Pennsylvania Institutional Law Project

718 Arch Street, Suite 304 ,Philadelpahia,Pennsylvania 19106

https://pailp.org/

St. Martin Center, Inc.

1701 Parade St ,Erie,Pennsylvania 16503

http://www.stmartincenter.org

Housing Opportunities of Beaver County

282 East End Avenue ,Beaver,Pennsylvania 15009

http://www.hobcinfo.org

Congreso De Latinos Unidos, Inc.

216 West Somerset Street ,Philadelphia,Pennsylvania 19133

http://www.congreso.net/

Philadelphia Council for Community Advancement

2042-48 Arch Street ,Philadelphia,Pennsylvania 19103

http://www.pccahousing.org

Warren-Forest Counties Economic Opportunity Council

1209 Pennsylvania Ave ,Warren,Pennsylvania 16365

https://wfeoc.org

Neighborhood Legal Services

928 Penn Avenue ,Pittsburgh,Pennsylvania 15222

https://www.nlsa.us/

Northwestern Legal Services

1001 State Street, Suite 700 ,Erie,Pennsylvania 16501

https://www.nwls.org/

Liberty Resources

112 North 8th Street, Suite 600 ,Philadelphia,Pennsylvania 19106

http://www.libertyresources.org

MidPenn Legal Services

213-A North Front Street ,Harrisburg,Pennsylvania 17101

https://www.midpenn.org/

Media Fellowship House

302 S Jackson Street ,Media,Pennsylvania 19063

http://www.mediafellowshiphouse.org/
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Community Legal Services

1424 Chestnut Street ,Philadelphia,Pennsylvania 19102

https://clsphila.org/

Temporary Housing Foundation

226 East Nittany Avenue ,State College,Pennsylvania 16804

http://www.housingtransitions.org/housing-found...

Pennsylvania Interfaith Community Programs Inc

40 East High Street ,Gettysburg,Pennsylvania 17325

https://www.adamscha.org/picpi

Legal Aid of Southeastern Pennsylvania

151 W. Marshall Street, Building 1 ,Norristown,Pennsylvania 19401

https://www.lasp.org/

Norris Square Community Alliance

174 Diamond Street ,Philadelphia,Pennsylvania 19122

http://www.nscaphila.org

Greater Erie Community Action Committee

18 West Ninth Street ,Erie,Pennsylvania 16501

http://www.gecac.org

Housing Partnership of Chester County

41 W Lancaster Ave ,Downington,Pennsylvania 19335

http://housingpartnershipcc.com

Butler County Homeownership Program

114 Woody Drive ,Butler,Pennsylvania 16001

http://www.housingauthority.com/homeownership-p...

Community Progress Council, Inc.

226 East College Avenue ,York,Pennsylvania 17403

http://yorkcpc.org/

Action-Housing

611 William Penn Place; Suite 800 ,Pittsburgh,Pennsylvania 15219

http://www.actionhousing.org

Community Action Partnership of Mercer County

75 South Dock Street ,Sharon,Pennsylvania 16146

http://www.capmercer.org/

Blueprints

150 West Beau Street, Suite 304 ,Washington,Pennsylvania 15301

http://www.myblueprints.org

Credit Counseling Center

832 Second Street Pike ,Richboro,Pennsylvania 18954

http://www.creditcounselingcenter.org
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Greater Philadelphia Asian Social Service Center

4943 North 5th Street ,Philadelphia,Pennsylvania 19120

http://www.gpasspa.org

Greater Philadelphia Asian Social Service Center

4943 North 5th Street ,Philadelphia,Pennsylvania 19120

http://www.gpasspa.org

ESPERANZA

4261 North 5th Street ,Philadlephia,Pennsylvania 19133

http://www.esperanza.us

Community Justice Project

118 Locust Street ,Philadelphia,Pennsylvania 17101

https://www.communityjusticeproject.org/

Berks Community Action Program, Inc.

645 Penn Street, 3rd Floor ,Reading,Pennsylvania 19601

http://www.bcapberks.org

Pennsylvania Health Law Project

123 Chestnut Street, Suite 400 ,Philadelphia,Pennsylvania 19106

https://www.phlp.org/en/

Neighborhood Housing Services Greater Berks, Inc.

213 North 5th Street; Suite 1030 ,Reading,Pennsylvania 19601

http://www.nhsgreaterberks.org

Mon Valley Initiative

305 East Eighth Avenue ,Homestead,Pennsylvania 15120

http://www.monvalleyinitiative.com

Fayette County Community Action Agency, Inc.

140 N Beeson Ave ,Uniontown,Pennsylvania 15401

http://www.fccaa.org

Community Action Committee of the Lehigh Valley

1337 East 5th Street ,Bethlehem,Pennsylvania 18015

http://www.caclv.org

NeighborWorks Northeastern PA

815 Smith Avenue ,Scranton,Pennsylvania 18504

http://www.nwnepa.org

Westmoreland Community Action

226 South Maple Avenue ,Greensburg,Pennsylvania 15601

http://westmorelandca.org/

Bucks County Housing Group

626 Jacksonville Road, Suite 140 ,Warminster,Pennsylvania 18974

http://www.bchg.org/
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Regional Housing Legal Services

2 Easton Road ,Glenside,Pennsylvania 19038

https://www.rhls.org/

Commission on Economic Opportunity

165 Amber Lane ,Wilkes-Barre,Pennsylvania 18702

http://www.ceopeoplehelpingpeople.org

American Credit Counseling Institute

603 Swede Street ,Norristown,Pennsylvania 19401

http://www.americancci.org

West Oak Lane Community Development Corporation

1624 East Wadsworth Avenue ,Philadelphia,Pennsylvania 19150

http://www.westoaklanecdc.org

HACE F/K/A Hispanic Association of Contractors and Enterprises

167 West Allegheny Avenue ,Philadelphia,Pennsylvania 19140

http://www.hacecdc.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.

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Adams County Housing Authority

40 East High Street, Gettysburg, Pennsylvania 17325

https://www.adamscha.org/

Office of Councilman Green

City Hall, Room 594, Philadelphia, Pennsylvania 19107

https://phlcouncil.com/derekgreen/

Ceiba

174 Diamond Street, Philadelphia, Pennsylvania 19122

https://www.ceibaphiladelphia.org/
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Community Charities LLC

10 North 3rd Street, Pottsville, Pennsylvania 17901

http://NONE

United Neighborhood Centers of North Eastern PA

425 Alder Street, Scranton, Pennsylvania 18505

https://www.uncnepa.org/

State College Community Land Trust

1315 South Allen Street, Unit 306, State College, Pennsylvania 16801

http://www.scclandtrust.org/

Chester County DCD

313 West Market Street, West Chester, Pennsylvania 19380

https://www.chesco.org/204/Community-Development

County of Berks

633 Court Street, Reading, Pennsylvania 19601

http://www.co.berks.pa.us

PA Association of Realtors

500 North 12th Street, Lemoyne, Pennsylvania 17043

https://www.parealtors.org/

Senator Tim Kearney

130 South State Road, Ste. 101, Springfield, Pennsylvania 19064

https://www.senatorkearney.com/

The Reinvestment Fund

1700 Market Street, Philadelphia, Pennsylvania 19104

https://www.reinvestment.com/

STEP, Inc.

2138 Lincoln Street, Williamsport, Pennsylvania 17701

http://www.stepcorp.org

Our West Bayfront

404 West 8th Street, Erie, Pennsylvania 16507

https://ourwestbayfront.org/

Community Action Association of Pennsylvania (CAAP)

222 Pine Street, Harrisburg, Pennsylvania 17101

https://www.thecaap.org/

The Energy Association of PA*

800 North 3rd Street, Harrisburg, Pennsylvania 17102

https://www.energypa.org/

United Way of Pennsylvania

20 Erford Road, Ste. 215, Lemoyne, Pennsylvania 17043

https://www.uwp.org/
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Lower Merion Narbeth League of Women Voters

PO Box 233, Ardmore, Pennsylvania 19003

http://www.lwvlmn.org

Redevelopment Authority of the City of Erie

626 State Street, Erie, Pennsylvania 16507

https://www.redeveloperie.org/

Housing Authority of the City of Pittsburgh

200 Ross Street, Pittsburg, Pennsylvania 15219

https://hacp.org/

Chester County DCD

313 West Market Street, West Chester, Pennsylvania 19380

https://www.chesco.org/204/Community-Development

PA Public Utility Commission

400 North Street, Harrisburg, Pennsylvania 17120

https://www.puc.pa.gov/

Philadelphia Association of Community Development Corporations

1315 Walnut Street, Ste. 1600, Philadelphia, Pennsylvania 19107

https://pacdc.org/

Habitat for Humanity of the Greater Harrisburg Area

4109 Derry Street, 1st Floor, Harrisburg, Pennsylvania 17109

https://harrisburghabitat.org/

Expert Community Care Management

1601 Sassafras Street, Erie, Pennsylvania 16502

https://www.eccm.org/

Centre County United Way

126 West Pine Grove Road, Pine Grove Mills, Pennsylvania 16868

https://www.ccunitedway.org/

Columbia County Housing Authority

700 Sawmill Road, Ste. 101, Bloomsburg, Pennsylvania 17815

https://www.cchrapa.org/

AGAPE

19 East 7th Street, Bloomsburg, Pennsylvania 17815

https://www.agapelovefromabove.org/

Centre County Adult Services

3500 East College Avenue, Ste. 120, State College, Pennsylvania 16801

https://centrecountypa.gov/308/Adult-Services

Borough of State College

243 South Allen Street, State College, Pennsylvania 16801

https://www.statecollegepa.us/
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Center for Community Action

195 Drive In Lane, Everett, Pennsylvania 15537

https://www.centerforcommunityaction.org/

Merakey

4700 Wissahickon Avenue, Philadelphia, Pennsylvania 19144

https://www.merakey.org/

Housing Alliance of PA

309 Florence Avenue, Apt. 914N, Jenkintown, Pennsylvania 15219

https://housingalliancepa.org/

SEDA Council of Governments

201 Furnace Road, Lewisburg, Pennsylvania 17837

https://seda-cog.org/

CREATE Lab, Carnegie Mellon University

5000 Forbes Avenue, Carnegie Mellon University, Pittsburgh,

Pennsylvania 15213

https://www.cmucreatelab.org/home

Indiana County Dept. of Human Services

300 Indian Springs Road, Ste. 203, Indiana, Pennsylvania 15701

https://www.humanservices-countyofindiana.org/

County of Blair Dept of Social Services

423 Allegheny Street, Ste. 411B, Hollidaysburg, Pennsylvania 16648

http://www.dss.blairco.org/

Temporary Housing Foundation

217 East Nittany Avenue, State College, Pennsylvania 16801

https://housingtransitions.org/housing-foundation/

Urban Affairs Coalition

1207 Chestnut Street, Philadelphia, Pennsylvania 19107

https://uac.org/

York County Human Services

110 West Market Street, Ste. 401, York, Pennsylvania 17401

https://yorkcountypa.gov/county-human-services....

PA Save Our Home Coalition*

112 North Broad Street, 11th Floor, Philadelphia, Pennsylvania 19102

https://www.facebook.com/PASaveOurHomes

Philadelphia Federal Reserve

Ten Independence Mall, Philadelphia, Pennsylvania 19106

https://www.philadelphiafed.org/

Narberth Community Food Bank

201 Sabine Avenue, Narbeth, Pennsylvania 19072

https://narberthcommunityfoodbank.org/
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South Central Assembly

582 East Front Street, Marietta, Pennsylvania 17547

http://www.southcentralassembly.org/

Heritage Realty Group Inc.

1023 Benner Pike, State College, Pennsylvania 16801

http://www.heritagerealtystatecollege.com

Lawrence County Community Action

241 Grant Street, New Castle, Pennsylvania 16101

https://lccap.org/

Centre County Government

420 Holmes Street, Bellefonte, Pennsylvania 16823

https://centrecountypa.gov/

Affordable Housing Advocates

3 Rathton Road, York, Pennsylvania 17403

https://ahadvocates.org/

Habitat for Humanity of Greater Centre County

1155 Zion Road, Belleforte, Pennsylvania 16823

https://habitatgcc.org/

United Way of Lackawanna and Wayne Counties

615 Jefferson Avenue, #304, Scranton, Pennsylvania 18510

https://www.uwlc.net/

Tableland Services, Inc

535 East Main Street, Somerset, Pennsylvania 15501

http://www.capfsc.org/

York Habitat for Humanity

33 South Seward Street, York, Pennsylvania 17404

https://www.yorkhabitat.org/

Centre County Housing and Land Trust

1315 South Allen Street, Unit 306, State College, Pennsylvania 16801

http://www.cchlt.org/

County of Perry

2 East Main Street, New Bloomfield, Pennsylvania 17086

https://perryco.org/

Philadelphia Housing Development Corporation

1234 Market Street, 17th Floor, Philadelphia, Pennsylvania 19107

https://phdcphila.org/

Servants to All

4 South Centre Street, Pottsville, Pennsylvania 17901

https://www.servantstoall.org/
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South Hills Interfaith Movement

5301 Park Avenue, Pittsburgh, Pennsylvania 15227

https://shimcares.org/

City of Sharon

155 West Connelly Boulevard, Sharon, Pennsylvania 17654

https://www.cityofsharon.net/

Erie County Department of Human Services

154 West Ninth Street, Erie, Pennsylvania 16501

https://eriecountypa.gov/departments/human-serv...

United Way of Erie County

650 East Avenue, 3200, Erie, Pennsylvania 16503

https://www.unitedwayerie.org/

The HOME Foundation

226 East Nittany Avenue, 2nd Floor, State College, Pennsylvania

16801

https://thehomefoundationcc.org/

Spanish American Civic Association

545 Pershing Avenue, Lancaster, Pennsylvania 17602

http://www.sacapa.org

Monroe County Fiscal Office

One Quaker Plaza, Room 204, Stroudsburg, Pennsylvania 18360

http://www.monroecountypa.gov/Dept/Fiscal/Pages...

PA Association of County Human Service Administrators

2789 Old Post Road, Harrisburg, Pennsylvania 17110

http://www.pachsa.org

United Way of Greater Phila & Southern NJ

1800 JFK Boulevard, Ste. 1200, Philadelphia, Pennsylvania 19103

https://unitedforimpact.org/

County Commissioners Association of PA

2789 Old Post Road, Harrisburg, Pennsylvania 17110

https://www.pacounties.org/

Fayette County Redevelopment Authority

86 West Main Street, Uniontown, Pennsylvania 15401

https://www.racfpa.org/

Wesley Family Services

1045 4th Avenue, New Kensington, Pennsylvania 15068

https://wfspa.org/

Central Susquehanna Opportunities

Two East Arch Street, Shamokin, Pennsylvania 17872

https://www.csocares.org/
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New Cumberland Borough

1120 Market Street, New Cumberland, Pennsylvania 17070

https://newcumberlandborough.com/

PA Department of Banking and Securities

17 North Second Street, Ste. 1300, Harrisburg, Pennsylvania 17101

https://www.dobs.pa.gov

Pocono Mountains United Way

301 McConnell Street, Stroudsburg, Pennsylvania 18360

https://poconounitedway.org/

Hill District Consensus Group

1835 Centre Avenue, Pittsburg, Pennsylvania 15219

https://www.hdcg.org/

PA Dept of Human Services

625 Forster Street, Harrisburg, Pennsylvania 17120

https://www.dhs.pa.gov

Fair Housing Rights Center in Southeastern Pennsylvania and

Lakeside Global Inst

444 North 3rd Street, Ste. 110, Philadelphia, Pennsylvania 19123

http://fairhousingrights.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.

PHFA held multiple public meetings in July 2021 with target audiences including PA Legal

Service Providers as well as HUD and Neighborworks Housing Counseling Service Providers. In

addition, PHFA held two statewide hearings (September 8 and 14) via virtual public meeting

format. PHFA partnered with 19 community and government agencies, with a particular focus

on including organizations that coordinate services for socially disadvantaged homeowners, to

encourage their local program partners and constituents to attend the hearing and provide

feedback. PHFA leveraged the ability of community agencies and organizations in publicizing

these meetings. Further, public meetings were advertised on the PHFA HAF web page 

https://www.phfa.org/haf/ and publication of public notices. The draft plan was published at 

https://www.phfa.org/forms/haf/pahaf-draft-plan.pdf. A public comment period was open from

September 11, 2021 to October 11, 2021.
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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?

- Monthly data from servicers on loan delinquency

- Data related to utility delinquency for homeowners from utility companies

- Data related to property tax delinquency

- Data from community partners related to mortgage delinquency, default, and other challenges

faced by socially disadvantaged homeowners

- Effectiveness of marketing and communication strategy

- Data on second mortgages

- Sheriff sale and tax foreclosure from local municipalities

- Data on unemployment claims
Page 19 of 39

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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 
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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

PA HAF Term Sheets 11 10 11/10/2021 3:22 PM

PAHAF Responses to Treasury Feedback for Approval Final 12-17 12/17/2021 1:03 PM

PAHAF PLAN FINAL 10.18.21 11/10/2021 9:32 PM

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

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

of this submission?

No

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

No Significant Deviations N/A N/A

Documentation of Homeowner Income

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have

incomes equal to or less than 150% of the area median income or 100% of the median income for the United

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than

100% of the area median income or equal to or less than 100% of the median income for the United States,

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine

homeowner income.

Under the HAF guidance, one permissible approach for determining income is for (1) the household to

provide a written attestation as to household income and (2) the HAF participant to use a reasonable

fact-specific proxy for household income, such as reliance on data regarding average incomes in the

household’s geographic area. Will the Participant allow income to be determined in this way?

Yes

If yes, please describe the fact-specific proxy or proxies to be used for the income determination.
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The program will use an income attestation that includes attestation of income for all household

members aged 18 years or older coupled with a fact specific proxy for household income. The

proxy will rely on the median income for homeowners within the borrower’s census tract, using

geospatial data sources. Any borrower attesting to income within program income limits and

living in a census tract where the median income for homeowners is equal to or below the county

median income for homeowners will be presumed to meet program income qualification.

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities,

practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases,

the HAF participant is still responsible for making the required determination regarding household income

and documenting that determination. Will the Participant allow applicants to request such waivers or

exceptions?

Yes

Eligible Mortgage Types

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the

Participant’s program design elements.

 First Mortgages 

 Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or

Proprietary Reverse Mortgages) 

 Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security

interest in a dwelling) 

 Second Mortgages 

 Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements,

explain the exclusion.

Second mortgages have been excluded to preserve funding for homeowners whose first mortgage

is delinquent. PHFA will evaluate data over the term of the program to determine if an

adjustment to this policy is needed.

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.
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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.

PHFA will use the most recent definition of socially disadvantaged provided by the Treasury in

the August 2, 2021 HAF Guidance. PHFA 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. The PHFA pre-screening or application

process will collect applicant responses and data points to compare against the attributes of the

Treasury Socially Disadvantaged definition to make a determination about socially

disadvantaged classification.

Public Communications

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

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

or social media?

Yes

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

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

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

American society; 

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

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

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

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

will be undertaken:

Spanish

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
Page 23 of 39

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

that primarily target the following populations:

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

American society; 

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

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

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Housing Counseling and Legal Services

Will the Participant facilitate access for eligible households to housing counseling or legal services?

Yes

If yes, please identify below the providers of housing counseling or legal services that have indicated to the

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s

HAF programs. 

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

MidPenn Legal Services

213-A North Front Street , Harrisburg, Pennsylvania 17101

https://www.midpenn.org/

Blueprints

150 West Beau Street, Suite 304 , Washington, Pennsylvania 15301

http://www.myblueprints.org

Community Action Committee of the Lehigh Valley

1337 East 5th Street , Bethleham, Pennsylvania 18015

http://www.caclv.org

Credit Counseling Center

832 Second Street Pike , Richboro, Pennsylvania 18954

http://www.creditcounselingcenter.org

Cumberland County Housing and Redevelopment Authorities

114 North Hanover Street , Carlisle, Pennsylvania 17013

http://www.cchra.com
Page 24 of 39

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Community Legal Services

1424 Chestnut Street , Philadelphia, Pennsylvania 19102

https://clsphila.org/

North Penn Legal Services

559 Main Street, Suite 200 , Bethlehem, Pennsylvania 18018

https://www.nplspa.org/

Regional Housing Legal Services

2 Easton Road , Glenside, Pennsylvania 19038

https://www.rhls.org/

Action-Housing

611 William Penn Place; Suite 800 , Pittsburgh, Pennsylvania 15219

http://www.actionhousing.org

Northwestern Legal Services

1001 State Street, Suite 700 , Erie, Pennsylvania 16501

https://www.nwls.org/

Bucks County Housing Group

626 Jacksonville Road, Suite 140 , Warminster, Pennsylvania 18974

http://www.bchg.org/

Intercultural Family Services, Inc.

4225 Chestnut Street , Philadelphia, Pennsylvania 19104

http://www.ifsinc.org

Community Justice Project

118 Locust Street , Harrisburg, Pennsylvania 17101

https://www.communityjusticeproject.org/

Legal Aid of Southeastern Pennsylvania

151 W. Marshall Street, Building 1 , Norristown, Pennsylvania 19401

https://www.lasp.org/

Neighborhood Legal Services

928 Penn Avenue , Pittsburgh, Pennsylvania 15222

https://www.nlsa.us/

Community Action Partnership of Mercer County

75 South Dock Street , Sharon, Pennsylvania 16146

http://www.capmercer.org/

Congreso De Latinos Unidos, Inc.

216 West Somerset Street , Philadelphia, Pennsylvania 19133

http://www.congreso.net/

Affordable Housing Centers of PA

846 North Broad Street , Philadelphia, Pennsylvania 19130

http://www.ahcopa.org
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Center in the Park

5818 Germantown Avenue , Philadelphia, Pennsylvania 19144

http://www.centerinthepark.org

Fayette County Community Action Agency, Inc.

140 N Beeson Ave , Uniontown, Pennsylvania 15401

http://www.fccaa.org

Housing Opportunities of Beaver County

282 East End Avenue , Beaver, Pennsylvania 15009

http://www.hobcinfo.org

Philadelphia Council for Community Advancement

2042-48 Arch Street , Philadelphia, Pennsylvania 19103

http://www.pccahousing.org

Grace Neighborhood Development Corporation

5221 Oxford Avenue , Philadelphia, Pennsylvania 19124

http://www.gndchca.com/

Willissae''s Agency For Vision and Empowerment (WAVE)

134 South Highland Avenue, Suite 6 , Pittsburgh, Pennsylvania 15206

http://www.waveoflife.org

BASE, Inc.

447 South Prince Street , Philadelphia, Pennsylvania 17603

https://baseinc.org/

Center for Family Services

213 W Center St , Meadville, Pennsylvania 16335

http://www.ctrforfamilyservices.org

Housing Transitions

226 East Nittany Avenue , State College, Pennsylvania 16804

http://www.housingtransitions.org/housing-found...

United Communities Southeast Philadelphia

2029 South 8th Street , Philadelphia, Pennsylvania 19148

http://www.ucsep.org

Warren-Forest Counties Economic Opportunity Council

1209 Pennsylvania Ave , Warren, Pennsylvania 16365

https://wfeoc.org

American Credit Counseling Institute

603 Swede Street , Philadelphia, Pennsylvania 19401

http://www.americancci.org

Pennsylvania Health Law Project

123 Chestnut Street, Suite 400 , Philadelphia, Pennsylvania 19106

https://www.phlp.org/en/
Page 26 of 39

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Pennsylvania Utility Law Project

118 Locust Street , Harrisburg, Pennsylvania 17101

https://www.rhls.org/utilities/pulp/

Mon Valley Initiative

305 East Eighth Avenue , Homestead, Pennsylvania 15120

http://www.monvalleyinitiative.com

Neighborhood Housing Services Greater Berks, Inc.

213 North 5th Street; Suite 1030 , Reading, Pennsylvania 19061

http://www.nhsgreaterberks.org

Philadelphia Chinatown Development Corporation

301-305 North 9th Street , Philadelphia, Pennsylvania 19107

http://chinatown-pcdc.org/

Justice At Work

990 Spring Garden Street, Suite 300 , Philadelphia, Pennsylvania 19123

https://www.justiceatworklegalaid.org/

Neighborworks Western Pennsylvania

710 Fifth Avenue; Suite 1000 , Pittsburgh, Pennsylvania 15219

http://www.neighborworkswpa.org

Asociación Puertorriqueños en Marcha, Inc.

1900 North 9th St , Philadelphia, Pennsylvania 19122

http://www.apmphila.org

Commission on Economic Opportunity

165 Amber Lane , Wilkes-Barre, Pennsylvania 18702

http://www.ceopeoplehelpingpeople.org

Tenfold

308 East King Street , Lancaster, Pennsylvania 17602

https://wearetenfold.org/

Unemployment Information Center

112 North Broad Street; 11th Floor , Philadelphia, Pennsylvania 19102

http://www.philaup.org

West Oak Lane Community Development Corporation

1624 East Wadsworth Avenue , Philadelphia, Pennsylvania 19150

http://www.westoaklanecdc.org

HACE F/K/A Hispanic Association of Contractors and Enterprises

167 West Allegheny Avenue , Philadelphia, Pennsylvania 19140

http://www.hacecdc.org

Liberty Resources

112 North 8th Street, Suite 600 , Philadelphia, Pennsylvania 19106

http://www.libertyresources.org
Page 27 of 39

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Pennsylvania Institutional Law Project

718 Arch Street, Suite 304 , Philadelphia, Pennsylvania 19106

https://pailp.org/

Philadelphia Legal Assistance

718 Arch Street, Suite 300N , Philadelphia, Pennsylvania 19106

https://philalegal.org/

Southwestern Pennsylvania Legal Aid

10 W. Cherry Avenue , Washington, Pennsylvania 15301

https://spla.org/

Media Fellowship House

302 S Jackson Street , Media, Pennsylvania 19063

http://www.mediafellowshiphouse.org/

NeighborWorks Northeastern PA

815 Smith Avenue , Scranton, Pennsylvania 18504

http://www.nwnepa.org

New Kensington Community Development Corp

2771 Ruth Street, Suite 1 , Philadelphia, Pennsylvania 19134

http://www.nkcdc.org/

Northwest Counseling Service, Inc.

6521 North Broad Street , Philadelphia, Pennsylvania 19126

http://www.nwcsinc.org

Urban League of Philadelphia

121 South Broad St; 10th Floor , Philadelphia, Pennsylvania 19107

http://www.urbanleaguephila.org

Laurel Legal Services

16 E. Otterman Street , Greensburg, Pennsylvania 15601

https://laurellegalservices.org/

Clarifi

1635 Market Street, Suite 510 , Philadelphia, Pennsylvania 19103

http://www.clarifi.org

Norris Square Community Alliance

174 Diamond Street , Philadelphia, Pennsylvania 19122

http://www.nscaphila.org

Greater Philadelphia Asian Social Service Center

4943 North 5th Street , Philadelphia, Pennsylvania 19120

http://www.gpasspa.org

Schuylkill Community Action

225 North Centre Street , Pottsville, Pennsylvania 17901

https://schuylkillcommunityaction.com
Page 28 of 39

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Unemployment Information Center

112 North Broad Street; 11th Floor , Philadelphia, Pennsylvania 19102

http://www.philaup.org

Advantage Credit Counseling Services, Inc.

2403 Sidney Street , Pittsburgh, Pennsylvania 15203

http://www.advantageccs.org

Berks Community Action Program, Inc.

645 Penn Street, 3rd Floor , Reading, Pennsylvania 19601

http://www.bcapberks.org/

Mt. Airy CDC

6703 Germantown Avenue, Suite 200 , Philadelphia, Pennsylvania 19119

http://www.mtairycdc.org

Community Progress Council, Inc.

226 East College Avenue , York, Pennsylvania 17403

http://yorkcpc.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

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

accessible to persons with disabilities?

Yes
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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%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

mortgage payment

assistance provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 1986 homeowners

 Assist at least 1192 homeowners at 100% AMI or

below

 Assist at least 993 socially disadvantaged

homeowners

 Commit $14,895,000 dollars of mortgage payment

assistance

 $8,937,000 dollars to 100% AMI or below

 $7,447,500 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
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Mortgage

Reinstatement

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

reinstatement assistance

provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 8,738 homeowners

 Assist at least 5243homeowners at 100% AMI or

below

 Assist at least 4369 socially disadvantaged

homeowners

 Commit $262,152,000 dollars of mortgage payment

assistance

 $157,291,200 dollars to 100% AMI or below

 $131,076,000 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance

Payment

Assistance for

Homeowners

Utilities

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

utility assistance provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 2483 homeowners

 Assist at least 1490 homeowners at 100% AMI or

below

 Assist at least 1241 socially disadvantaged

homeowners

 Commit $7,447,500 dollars of homeowner’s or other

property insurance payment assistance

 $4,468,500 dollars to 100% AMI or below

 $3,723,750 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
Page 31 of 39

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Payment

Assistance for

Homeowner’s

Insurance

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

insurance payment

assistance provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 497 homeowners

 Assist at least 298homeowners at 100% AMI or

below

 Assist at least 248 socially disadvantaged

homeowners

 Commit $1,489,500 dollars of homeowner’s or other

property insurance payment assistance

 $893,700 dollars to 100% AMI or below

 $744,750 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance

Payment

Assistance for

HOA fees or liens

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

homeowner/condo

association assistance

provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 596 homeowners

 Assist at least 357 homeowners at 100% AMI or

below

 Assist at least 298 socially disadvantaged

homeowners

 Commit $2,979,000 dollars of homeowner’s or other

property insurance payment assistance

 $1,787,400 dollars to 100% AMI or below

 $1,489,500 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance
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Payment

Assistance for

Delinquent

Property Taxes

 Total number of

homeowners assisted

 Number of homeowners

assisted at or below 100%

US Median Income

 Number of socially

disadvantaged homeowners

assisted

 Total dollar amount of

delinquent tax payment

assistance provided

 Dollar value provided to

homeowners at or below

100% US Median Income

 Dollar value provided to

socially disadvantaged

homeowners.

 Number of days spent to

provide assistance

 Assist 1787 homeowners

 Assist at least 1072 homeowners at or below 100%

AMI

 Assist at least 894 socially disadvantaged

homeowners

 Commit $8,937,000 dollars of property tax payment

assistance

 $5,362,200 dollars to LMI

 $4,468,500 dollars to socially disadvantaged

 Average of 60 days or less to provide assistance

Other measures to

prevent

homeowner

displacement

 Total dollar amount of

housing counseling and

legal services funded

 Total number of housing

counseling and legal

services agencies funded

 Number of homeowners

receiving housing

counseling assistance

 Number of homeowners

whose displacement has

been prevented

 Commit $17,500,000 to housing counseling agencies

and legal service

 Fund 61 legal service providers and HUD-certified

housing counseling agencies to provide services to

homeowners to prevent displacement

 Assist at least 20,781 homeowners through housing

counseling and legal aid services
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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?

No

If no, is a policy and procedure in development for 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.
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What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$0.00

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?

Yes

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

$0.00

How many households have applied for HAF assistance?

239

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

funds?

20

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

106

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

The initial 10% allocation of HAF funding has been used to perform the Needs Assessment and

develop the HAF Plan, as well as to design and start up a pilot program. The pilot program

began in August 2021.
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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 $14,895,000.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $2,979,000.00

Payment Assistance for Delinquent Property Taxes $8,937,000.00

Mortgage Reinstatement $262,152,000.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $1,489,500.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $7,447,500.00

Other measures to prevent homeowner displacement

Measure Amount

N/A $0.00

Displacement Prevention Sub-Total $297,900,000.00

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.
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Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $8,750,000.00

Legal Services $8,750,000.00

Services Sub-Total $17,500,000.00

Reimbursement of Funds Expended After January 21, 2020

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

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

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

Type of Expense Amount

N/A $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

Contracted Services (Outreach, Program Management, 

Needs, Assessment, Planning, Eligibility Processing, Reporting,

System Design)

$31,461,655.00

General Administration of HAF $3,500,000.00

Administrative Expenses Sub-Total $34,961,655.00

Total Plan Requested Amount $350,361,655.00

Amount Requested Confirmation:

Yes
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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: Bryce Maretzki

Agency/Office: PHFA

Email: bmaretzki@phfa.org

Phone Number: 7177801867

Reporting Contact

Name: Kelly Wilson

Agency/Office: PHFA

Email: kwilson@phfa.org

Phone Number: 7177801819

Additional Contact

Name: Holly Zugay

Agency/Office: PHFA

Email: hzugay@phfa.org

Phone Number: 7177803852

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.
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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

Assurances of Compliance with Civil Rights Requirements 11/10/2021 9:32 PM

Assurances of Compliance with Civil Rights Requirements 11/10/2021 9:30 PM
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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:

Pennsylvania Housing Finance Agency (PHFA)

Name and Title of Certifying Official

Name: Robin Weissmann

Title: Executive Director and CEO

Telephone: 7177803911

Email: rwiessmann@phfa.org