United States Department of the Treasury 

Homeowner Assistance Fund Plan 

Submitted by Washington State Housing Finance Commission 

HAF Grantee Plan Name 

HAFP-0336 

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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 4/20/2022 3:02 PM 

Total Plan Requested Amount $173,153,935.00 

Record Type State 

Application Record SLT-0050 

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. 

Treasury June 11, 2021 re: Data to Support HAF Plans 

HMDA 2020 Market Share Analysis 

Washington state delinquency reports for WSHFC portfolio 

Regular updates from Mortgage Bankers Association 

Regular updates from WSHFC's portfolio servicers 

MBA Feb 2022 Delinquency, Foreclosure & Forbearance Report 

Treasury 11/29/2021 HECM Data for HAF Plans 

Analysis of WSHFC Downpayment Assistance Program usage by race and geography, 

Intellectyx, January 2021 

Washington State Homeowner Assistance Fund Market Research Report, The Vida Agency, 

March 2022 

Marketing & Outreach Strategy: Washington State Homeowner Assistance Fund, The Vida 

Agency, March 2022 

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. 

Consumer Financial Protection Bureau (CFPB) published a Special Issue Brief: Characteristics 

of Mortgage Borrowers During the COVID-19 Pandemic, May 2021 

National Association of Realtors: A Snapshot of Race and Home Buying in America, February 

2022 

Washington State Homeowner Assistance Fund Market Research Report, The Vida Agency, 

March 2022 

Marketing & Outreach Strategy: Washington State Homeowner Assistance Fund, The Vida 

Agency, March 2022 

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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. 

HAF Pilot Program 2022; obtained small sample size used to determine nature of loans currently 

in foreclosure (not stopped by foreclosure moratoria), SDI composition and amounts of 

arrearages. Used to analyze program limits and outreach efforts. 

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. 

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Provider Name 

Provider Address 

Provider Website 

Provider 

Primarily 

Serves 

LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

Northwest Justice Project 

311 North 4th Street #201 ,Yakima,Washington 98901 

https://nwjustice.org/home 

Washington Homeownership Resource Center 

17544 Midvale Avenue North ,Seattle,Washington 98133 

https://www.homeownership-wa.org/ 

OIC of Washington – Prosperity Center 

903 West 3rd Avenue ,Moses Lake,Washington 98837 

https://www.yvoic.org/ 

Parkview Services 

17544 Midvale Avenue North ,Seattle,Washington 98133 

https://www.parkviewservices.org/ 

Urban League of Metropolitan Seattle 

105 14th Avenue ,Seattle,Washington 98122 

https://urbanleague.org/ 

El Centro de la Raza 

2524 16th Avenue Sourth ,Seattle,Washington 98144 

https://www.elcentrodelaraza.org/ 

American Financial Solutions 

500 Pacific Avenue, Suite 550 ,Bremerton,Washington 98337 

https://www.myfinancialgoals.org/ 

Spokane Neighborhood Action Partners (SNAP) 

3102 West Whistalks Way ,Spokane,Washington 99224 

https://www.snapwa.org/ 

Rural Resources Community Action 

956 South Main Street ,Colville,Washington 99114 

https://ruralresources.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. 

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Organization Name 

Organization Address 

Organization Website 

Organization 

Primarily 

Serves LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

Washington State Commission on Hispanic Affairs 

1110 Capitol Way South, Suite 220, Olympia, Washington 98501 

https://www.cha.wa.gov/ 

Washington State Commission on African American Affairs 

1110 Capitol Way South, Suite 220, Olympia, Washington 98501 

https://caaa.wa.gov/ 

WSHFC - Racial Justice and Equity Team (RJET) 

1000 Second Avenue, Suite 2700, Seattle, Washington 98104 

http://www.wshfc.org 

HomeSight 

5117 Rainier Avenue South, Seattle, Washington 98118 

http://homesightwa.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. 

Proposed Plan was published March 11, 2022 

Notice of Proposed plan was published on Commission website (www.wshfc.org) on March 11, 

2022 

Notice of Proposed plan, public comment period, public comment meeting and WSHFC 

Commission meeting public hearing emailed to WSHFC stakeholder list (approximately 10,000 

recipients) 

Comments on the Proposed Plan could be sent to the WSHFC via email (haf@wshfc.org), on-line 

survey or at public comment meeting and Public Hearing at WSHFC Commission meeting on 

March 24, 2022. 

Public Comment meeting on Proposed Plan held March 16, 2022 via Zoom and telephone. 

Public Comment open until 5:00 pm on March 23, 2022 

Public Hearing held at meeting of WSHFC Board of Commissioners on March 24, 2022 via 

Zoom and telephone. 

Outreach efforts were primarily in English although Google translate was available. Efforts on 

behalf of those with disabilities or individuals without reliable internet access were consistent 

with the required Washington state process for WSHFC public meetings. 

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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? 

Site-specific race-based mortgage information. 

Mortgage information regarding SDI 

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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 

WA State Response to Treasury 4.18.2022 4/19/2022 10:57 AM 

HAF Term Sheets Combined UPDATED 4.15.2022 4/15/2022 5:17 PM 

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

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

of this submission? 

Yes 

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

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

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

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

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

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

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

submission) 

Program 

Design 

Element 

Deviation 

from sample 

terms 

Justification 

General -

Housing 

Counseling 

and Civil 

Legal Aid 

Allow hotline, 

counseling and 

civil legal aid 

to provide 

no-cost 

services to 

ALL 

homeowners 

throughout the 

state of 

Washington 

without regard 

to AMI 

program limit. 

For more than a decade, but especially during the Great Recession, it was 

proven that providing homeowners with the Hotline (1-877-894-4663) via 

statutory forms and outreach ensures Homeowners can receive the help 

they need. Our default counseling network does not charge a homeowner 

for the services provided, nor does it provide services based upon income 

levels—all homeowners in the state of Washington have historically 

received free default counseling services. We believe that there should not 

be an AMI limit on those that can access the services of the Hotline and 

HAF-funded housing counselors. We believe this would be unduly 

burdensome on the non-profit providers as well as cause confusion through 

program outreach. 

This deviation would also extend to Civil Legal Aid for the same reasons. 

However, Civil Legal Aid on its own has maximum income requirements 

to be eligible to access the services related to poverty level of applicants. 

Of course, HAF financial assistance would be subject to the guideline limit 

of 150% AMI (and as proposed by the WSHFC in its HAF plan the 

financial assistance limit would be for those 100% of AMI or below). 

Documentation of Homeowner Income 

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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. 

It is the WSHFC's intention to make this process as easy on the applicants as possible and reduce 

burdensome document requirements where it can. At this time, we have not formally adopted a 

fact-based proxy but are open to using this if it will make the application process easier on 

underserved applicants. We intend to discuss this process in detail with our proposed IT and 

Administrative solution and if it is determined there is an established best-practice for this 

process--and it meets our goal of reducing the burden on the homeowner--we will consider it. 

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. 

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N/A 

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 WSHFC has determined that its program will be available to those that earn under 100% of 

AMI. All program participants will be asked to complete a SDI attestation (using Treasury's 

definition). However, the WSHFC believe that for the program to be truly successful, the 

OUTREACH component of the program must target SDI, historically underserved communities 

and those that do not trust the government. It is the WSHFC's intention to focus its outreach on 

reaching those communities by using culturally appropriate messaging delivered via the 

established networks within traditionally underserved communities. Those could consist of the 

"by and fors", churches and other trusted local partners. The WSHFC strongly believes that its 

efforts must be focused on those that do not traditionally have access to governmental programs. 

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 

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

will be undertaken: 

Spanish; Chinese; Vietnamese; Other 

Please list any other languages. 

Somali 

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. 

Please list any other languages. 

Somali 

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. 

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Provider Name 

Provider Address 

Provider Website 

Provider 

Primarily 

Serves 

LMI 

Households 

Provider 

Addresses 

Impact of 

Housing 

Discrimination 

Northwest Justice Project 

311 North 4th Street #201 , Yakima, Washington 98901 

https://nwjustice.org/home 

Washington Homeownership Resource Center 

17544 Midvale Avenue North , Seattle, Washington 98133 

https://www.homeownership-wa.org/ 

American Financial Solutions 

500 Pacific Avenue, Suite 550 , Bremerton, Washington 98337 

https://www.myfinancialgoals.org/ 

Parkview Services 

17544 Midvale Avenue North , Seattle, Washington 98133 

https://www.parkviewservices.org/ 

Urban League of Metropolitan Seattle 

105 14th Avenue , Seattle, Washington 98122 

https://urbanleague.org/ 

Rural Resources Community Action 

956 South Main Street , Colville, Washington 99114 

https://ruralresources.org/ 

El Centro de la Raza 

2524 16th Avenue Sourth , Seattle, Washington 98144 

https://www.elcentrodelaraza.org/ 

OIC of Washington – Prosperity Center 

903 West 3rd Avenue , Moses Lake, Washington 98837 

https://www.yvoic.org/ 

Spokane Neighborhood Action Partners (SNAP) 

3102 West Whistalks Way , Spokane, Washington 99224 

https://www.snapwa.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? 

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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; Chinese; Vietnamese; Korean; Tagalog; Russian; Other 

Please list any other languages. 

Somali 

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 

Other 

measures to 

prevent 

homeowner 

displacement 

Overall Program Metrics. 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

hoped that, as necessary, funding 

can flow to various program 

components as demand 

necessitates. 

Assuming each program to have 

applicants seeking on average 

75% of the available grant, it is 

estimated that a total 3,667 

households could be served as 

follows: 

$60,000 Grant Program: At 

$45,000 (75%) per household it 

could serve 2,333 households. 

$15,000 Grant Program: At 

$11,250 (75%) per household it 

could serve 1,333 households. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Mortgage 

Reinstatement 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Mortgage Reinstatement: 

Assuming maximum grant of 

$60,000, it is estimated that 

approximately 1,425 

homeowners could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 2,850 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

1,900 homeowners will be 

served. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Mortgage 

Principal 

Reduction 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Principal Reduction: 

Assuming maximum grant of 

$60,000, it is estimated that 

approximately 438 homeowners 

could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 875 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

583 homeowners will be served. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Facilitate 

Mortgage 

Interest Rate 

Reduction 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Interest Rate Modification: 

Assuming maximum grant of 

$60,000, it is estimated that 

approximately 438 homeowners 

could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 875 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

583 homeowners will be served. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Payment 

Assistance for 

Delinquent 

Property 

Taxes 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Property Taxes: 

Assuming maximum grant of 

$15,000, it is estimated that 

approximately 550 homeowners 

could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 1,100 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

733 homeowners will be served. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Payment 

Assistance for 

HOA fees or 

liens 

Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Homeowner Association/Condo 

Association Fees: 

Assuming maximum grant of 

$15,000, it is estimated that 

approximately 550 homeowners 

could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 1,100 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

733 homeowners will be served. 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

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Although the application 

requirements necessitated 

allocating funding to specific 

portions of the program, the 

WSHFC considers the programs 

as two overall programs: The 

$60,000 Grant Program and the 

$15,000 Grant Program. It is 

anticipated that, as necessary, 

funding can flow to various 

program components as demand 

necessitates. 

Specific to the budget set asides 

as set forth in the application, the 

following program component, 

individually, could serve 

households as follows: 

Insurance: 

Assuming maximum grant of 

$15,000, it is estimated that 

approximately 550 homeowners 

could be served. 

Assuming 50% of maximum 

grant per program, it is estimated 

that approximately 1,100 

homeowners could be served. 

For purposes of this Metric of 

Success we will estimate that 

75% of the maximum grant 

amount is used and estimate that 

733 homeowners will be served. 

Payment 

Assistance for 

Homeowner’s 

Insurance 

Other 

measures to 

prevent 

homeowner 

displacement 

Overall Program Effectiveness 

Distribution of all available funds by/on June 30, 

2024: The Commission seeks to have all of its funds 

distributed by June 30, 2024. 

Preventing Affordable Foreclosures: The HAF 

program goals should align with the overall program 

goals of foreclosure assistance in the state of 

Washington: Prevent All Avoidable Foreclosures. 

Understanding that not ALL foreclosures can or 

should be “prevented”, the programs—including the 

HAF Program—should work alongside all efforts to 

ensure that homeowners that can be saved from an 

unwanted foreclosure are able to be saved from an 

unwanted foreclosure. To that end, it could be stated 

that the HAF program goal is 100% of avoidable 

foreclosures are avoided. 

Socially Disadvantaged Individuals: It is our intention 

to reach Socially Disadvantaged Individuals (SDI). 

We intend to track SDI eligibility throughout the 

counseling support services as well as the actual 

financial relief. However, we are specifically setting a 

goal of 75% of the financial assistance associated with 

this program component be provided to Socially 

Disadvantaged Individuals. 

1) Impact and reach to lower 

AMI; 2) Impact and reach to 

SDI; and 3) Geographic 

distribution. 

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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? 

Yes 

If yes, has the documentation for that pre-existing program been adapted to HAF requirements (please 

answer yes if the pre-existing program already complied with HAF program requirements)? 

Yes 

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? 

No 

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Use of Initial Payment 

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

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

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

$0.00 

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

No 

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

$0.00 

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

The answers above are responses directly to the question as posed which contains the statement 

"as of June 30, 2021." However, funds were committed from the initial drawdown between 

January 1, 2022 and the date of this submission and details thereof were partially captured in the 

Interim Report supplied to Treasury earlier. Further explanation of the ALLOCATIONS related 

to the initial 10% received from Treasury are set forth in the WA State Response to Treasury 

4.18.2022 as submitted in the Term Sheet section of this application. 

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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 $0.00 

Mortgage Principal Reduction $7,300,781.25 

Payment Assistance for Homeowner’s Internet Service $0.00 

Payment Assistance for HOA fees or liens $3,028,781.25 

Payment Assistance for Delinquent Property Taxes $3,120,562.50 

Mortgage Reinstatement $95,118,750.00 

Facilitate Mortgage Interest Rate Reduction $21,902,343.75 

Payment Assistance for Homeowner’s Insurance $3,028,781.25 

Payment Assistance for Down Payment Assist. Loans $0.00 

Payment Assistance for Homeowners Utilities $0.00 

Other measures to prevent homeowner displacement 

Measure Amount 

PILOT Program: The PILOT Program assists homeowners that are currently facing a 

recorded non-judicial foreclosure, judicial foreclosure, or other judicial lien 

extinguishment action by providing a grant to end the pending sale or lawsuit. The grant 

amount is $60,000. 

$11,000,000.00 

Displacement Prevention Sub-Total $144,500,000.00 

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 $5,411,060.47 

Legal Services $3,246,636.28 

Services Sub-Total $8,657,696.75 

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 

This field required to complete application process. However, no funds are requested. $0.00 

Reimbursement Sub-Total $0.00 

Allocation of Administrative Expenses 

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Type of Expense Amount 

The Washington state Default/Foreclosure "Hotline" 1-877-894-4663. This is the 

statutory phone number supplied to those in mortgage default all throughout the 

default/foreclosure process. The WSHFC intends this number be the touchpoint for the 

HAF program. 

$2,000,000.00 

IT and Administrative Support. Turnkey Vendor (still to be identified): Web-based 

application intake and processing system; application review, prioritizatino, underwriting 

and approval; calculation and disbursement of payments; reporting; call center operations. 

$9,000,000.00 

Homeowner assistance for direct application preparation and completion for HAF 

Financial Assistance Program(s) provided by counselors or civil legal aid. 

$2,000,000.00 

WSHFC Administration Fee (1%) to administer the program. $1,731,539.35 

Department of Commerce for administrative and outreach support (however, we are 

currently in discussions with Commerce and a portion or all of these funds may be 

returned to the WSHFC. If and when that happens the returned portion will be added to 

Outreach). 

$715,393.00 

Miscellaneous expenses used for PILOT Program and large plan development (mailer, 

consultants, etc.) $20,000.00 

PILOT Program Administrative fee to HomeSight for PILOT program administration $880,000.00 

Outreach for HAF Program and to underserved communities to encourage participation in 

the program. 

$3,649,305.90 

Administrative Expenses Sub-Total $19,996,238.25 

Total Plan Requested Amount $173,153,935.00 

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: Lisa DeBrock 

Agency/Office: WSHFC - Homeownership Division 

Email: lisa.debrock@wshfc.org 

Phone Number: 2062874461 

Reporting Contact 

Name: Rich Zwicker 

Agency/Office: WSHFC - Homeownership Division 

Email: rich.zwicker@wshfc.org 

Phone Number: 2062874480 

Additional Contact 

Name: Corinna Obar 

Agency/Office: WSHFC - Homeownership Division 

Email: corinna.obar@wshfc.org 

Phone Number: 2062874414 

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 

6. EXECUTED HAF-Title VI Assurance (5-18-2021) 3/30/2022 7:32 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: 

Washington State Housing Finance Commission 

Name and Title of Certifying Official 

Name: Rich Zwicker 

Title: Grant Administrator 

Telephone: 2062874480 

Email: rich.zwicker@wshfc.org 

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