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Facing difficulty with your mortgage can be incredibly stressful, but the Nevada mortgage relief program offers a crucial lifeline for homeowners experiencing financial hardship. The primary source of this aid is the Nevada Homeowner Assistance Fund (HAF), a federally funded initiative designed to prevent mortgage delinquencies and foreclosures.
This resource provides a clear path to understanding the help available through HAF, including its specific programs. We will walk through eligibility requirements, the necessary documents for your application, and explore other vital foreclosure prevention resources available to Nevadans, ensuring you have the information needed to secure your home.
For Nevada homeowners facing the risk of mortgage delinquency or foreclosure, the Nevada Homeowner Assistance Fund (HAF) is the most direct source of aid. Understanding its purpose, current status, and the organizations that manage it is the first step toward accessing this critical support.
What is the Nevada HAF?
The Nevada Homeowner Assistance Fund is a federally funded program created through the American Rescue Plan Act of 2021. This legislation allocated approximately $120 million to Nevada to provide direct relief to homeowners who suffered a financial hardship associated with the COVID-19 pandemic. The program's core mission is to prevent mortgage delinquencies, defaults, and foreclosures, thereby promoting housing stability across the state.
Is the HAF Program Still Available?
It is essential for homeowners to understand the program's current status. The Nevada HAF is actively "winding down," and the remaining funds are limited. This means that while assistance is still being provided, the window of opportunity is closing.
Submitting an application does not guarantee the receipt of funds; assistance is contingent upon the availability of the remaining program money. The federal government has stipulated that all funds must be expended by September 30, 2025, adding a firm deadline to the program's operations. This limited availability underscores the urgency for eligible homeowners to apply as soon as possible.
Who Administers the Program? Understanding NAHAC's Role
The HAF program is federally funded and overseen by the Nevada Housing Division, but the day-to-day administration is handled by a dedicated non-profit organization: the Nevada Affordable Housing Assistance Corporation (NAHAC). NAHAC was approved by the U.S. Department of the Treasury to manage Nevada's HAF funds, which were previously known as the Hardest Hit Fund.
When a homeowner applies for HAF assistance, they are interacting directly with NAHAC's team of trained professionals. Importantly, all services provided by NAHAC for the HAF program are completely free of charge. Homeowners should be cautious of anyone requesting a fee for help with a loan modification or HAF application, as this is a common scam tactic. For direct, legitimate assistance, homeowners can contact NAHAC at (888) 320-6526.
The Nevada HAF is comprised of distinct programs tailored to specific types of financial hardship. Identifying which program aligns with your circumstances is key to a successful application. The two primary programs are the Unemployment Mortgage Assistance Program (UMA) and the Mortgage Reinstatement Assistance Program (MRAP).
Unemployment Mortgage Assistance Program (UMA)
The UMA program is designed for eligible Nevada homeowners who have lost income due to unemployment or significant underemployment. This program offers a crucial buffer, providing forward-looking support to help households regain their financial footing.
Key features of the UMA program include:
To be eligible, at least one homeowner must be receiving, or have received since January 21, 2020, Unemployment Insurance Benefits (UIB). Homeowners must be aware that the Unemployment Mortgage Assistance Program will be closed effective June 30, 2025. After this date, all applicants will need to seek aid through the MRAP.
Mortgage Reinstatement Assistance Program (MRAP)
The Mortgage Reinstatement Assistance Program (MRAP) is the broader component of the Nevada HAF. Its purpose is to help income-qualified homeowners who have fallen behind on their payments and need a one-time infusion of funds to cure their delinquency and avoid foreclosure. MRAP is designed to resolve past-due amounts and bring a mortgage completely current.
MRAP provides funds to cover all aspects of a mortgage delinquency, including:
To be eligible for MRAP, a homeowner's mortgage and/or other housing-related expenses must be at least 30 days past due at the time of their application. This program serves as the primary avenue for assistance for any homeowner who needs help catching up on payments.
General HAF Eligibility Requirements
While UMA and MRAP target different situations, they share a common set of foundational eligibility criteria. A homeowner must meet these general requirements to qualify for any assistance through the Nevada HAF.
| Requirement Category | Details |
|---|---|
| Financial Hardship | Must have experienced a financial hardship associated with the COVID-19 pandemic after January 21, 2020 (e.g., loss of income, reduction in hours, or increased costs for healthcare or family care). |
| Income Limits | Household income must be equal to or less than 150% of the Area Median Income (AMI) for their county or 100% of the median income for the United States, whichever is greater. |
| Property Type | Must own and occupy a single-family home (1-4 units), condominium, or a manufactured/mobile home located in Nevada. The property must serve as the primary residence. |
| Loan Status | The unpaid principal balance of the first mortgage, at the time of origination, must not have exceeded the conforming loan limit set by the federal government for that year. |
| Residency | Must be a legal U.S. resident or a lawful permanent U.S. resident, and currently reside in the state of Nevada. |
| Exclusions | The property cannot be abandoned, vacant, or condemned. Homeowners who are in an active bankruptcy are typically not eligible for assistance. |
Navigating the application for any assistance program can feel daunting. The Nevada HAF process is structured to be as straightforward as possible through an online portal. Following the steps and preparing documents in advance can significantly streamline the experience.
How to Apply: From Pre-Screening to Submission
The application for the Nevada Homeowner Assistance Fund is managed entirely through the official program website, https://www.nevadahaf.com/. The process is broken down into several distinct stages:
Your Document Checklist: Gathering What You Need
The most common cause for application delays is incomplete documentation. Gathering all necessary paperwork beforehand is the best way to ensure a smooth process.
| Document Category | Specific Documents Needed | Purpose & Expert Tips |
|---|---|---|
| Identity Verification | Legible copy of a Nevada-issued Driver's License or ID and a Social Security Card for all borrowers on the mortgage and any associated spouses/domestic partners. | Purpose: To verify your identity and confirm you are a Nevada resident. Expert Tip: Ensure the address on your ID matches the property address. If it does not, you must provide a written statement explaining why, along with two recent utility bills showing your name and the property address. |
| Property Verification | Your most recent first-loan mortgage statement, your most recent Homeowner's Association (HOA) statement (if applicable), and your most recent property tax statement (if your taxes are not included in your mortgage payment). | Purpose: To confirm ownership and obtain correct account numbers for your mortgage servicer, HOA, and tax authority. Expert Tip: Use the very latest statements you have received. Submitting outdated documents can lead to rejection or processing delays. |
| Income Verification | Documentation for all household members over 18. This can include: pay stubs covering the last 30 days, the previous year's filed federal tax return (all schedules), or benefit award letters for Social Security, disability, pension, or public assistance. | Purpose: To verify that your total household income falls within the program's limits. Expert Tip: Remember to gather income documents for every adult in the household, not just the borrowers on the mortgage. For self-employed individuals, a recent Profit and Loss statement is often required. |
| Proof of Hardship | A signed Hardship Affidavit and, if applying for the UMA program, a signed Unemployment Affidavit. | Purpose: These forms are your official, signed statement detailing the nature of your pandemic-related financial hardship. Expert Tip: The affidavits are included within the online application itself. Read them carefully and be clear and honest in your description of the hardship. |
| Authorization Forms | A signed Attestation Statement and a signed Third-Party Authorization (TPA). | Purpose: These legal forms grant NAHAC permission to communicate directly with your mortgage lender and other payees on your behalf to verify information and arrange payments. |
As the Homeowner Assistance Fund winds down, it is crucial to be aware of other support available in Nevada. The state has several long-standing programs and non-profit services designed to help residents avoid foreclosure.
The Nevada Foreclosure Mediation Program (FMP)
Nevada law provides a powerful right to homeowners facing foreclosure. The Foreclosure Mediation Program (FMP) allows homeowners to enter into a formal mediation with their lender to explore alternatives to foreclosure.
This right is triggered upon receiving a "Notice of Default (or Breach) and Election to Sell." The homeowner has exactly 30 days to elect to participate in the FMP. During mediation, a neutral third party facilitates a discussion where both parties must negotiate in good faith to find a solution, such as a loan modification.
Free, Expert Help: HUD-Approved Housing Counseling
For any homeowner feeling overwhelmed, the most effective step is to contact a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agency. These non-profits provide expert, confidential, and typically free services to help homeowners understand their options.
A certified housing counselor can:
Agencies like Neighborhood Housing Services of Southern Nevada (NHSSN) and Community Services of Nevada (CSNV) are dedicated to this work. You can find a local agency using the official HUD Counseling Agency Lookup tool: https://www.hud.gov/counseling.
Legal Assistance and Other Non-Profit Support
Several Nevada organizations offer targeted legal and social service assistance.
While mortgage relief focuses on crisis intervention, it is helpful to understand the broader landscape of housing support in Nevada. The state offers several programs aimed at making homeownership more accessible and affordable.
Down Payment Assistance and Homebuyer Programs
The Nevada Housing Division (NHD) and Nevada Rural Housing (NRH) run several programs to help families purchase a home.
Navigating the threat of foreclosure is challenging, but Nevada offers a strong network of resources. The key to success is to take proactive, informed steps as early as possible.
The most critical takeaways are:
If you are feeling overwhelmed or unsure where to begin, your single best first step is to make a phone call. Reach out to a free, HUD-approved housing counselor or contact the Nevada Affordable Housing Assistance Corporation (NAHAC) directly at (888) 320-6526.
These experts are equipped to provide personalized guidance for your specific situation. Facing financial hardship is difficult, but you do not have to go through it alone. By utilizing the resources available, you can find a path toward stabilizing your finances and securing your home.
The Nevada Mortgage Relief Program, officially the Nevada Homeowner Assistance Fund (HAF), was a federally funded initiative designed to help homeowners who experienced financial hardship due to the COVID-19 pandemic. It provided grants to cover mortgage payments, property taxes, and other housing-related costs to prevent foreclosure.
No. The Nevada Homeowner Assistance Fund portal closed to new applications in late 2023. The program operated with a limited amount of federal funding, which has since been fully allocated to eligible Nevada homeowners. Be wary of any website claiming to accept new HAF applications today.
Eligibility for the now-closed Nevada HAF program required homeowners to have experienced a pandemic-related financial hardship after January 21, 2020. Applicants also had to meet specific income limits, occupy the property as their primary residence, and demonstrate a need for mortgage assistance to avoid delinquency or foreclosure.
The Nevada mortgage relief program primarily covered delinquent mortgage payments to reinstate a loan. Funds could also be used for other essential housing costs, including property taxes, homeowner's insurance, and Homeowners Association (HOA) or condominium fees. The goal was to provide comprehensive support for housing stability.
No, the financial assistance provided was a grant, not a loan. Homeowners who received aid through the Nevada mortgage relief program are not required to repay the funds. This structure was designed to alleviate financial burdens without creating future debt for struggling households.
With the HAF program closed, your best option for foreclosure prevention is contacting a HUD-approved housing counseling agency in Nevada. These non-profit counselors offer free, expert advice on budgeting, communicating with your lender, and exploring available loan modification or other mortgage assistance options.
For immediate help, you should first contact your mortgage servicer to discuss your situation and any internal workout options they offer. Additionally, you can call 2-1-1 or contact Nevada Legal Services for guidance on your rights and potential legal aid for foreclosure prevention.
Yes, the Nevada Homeowner Assistance Fund did provide financial aid for past-due utility payments. This included essential services like electricity, gas, home energy, and water. The assistance was intended to prevent service disconnections and help homeowners manage all their crucial housing-related expenses.
The Nevada HAF program closed because it was a temporary emergency resource with a finite amount of funding from the federal American Rescue Plan Act. The state successfully committed its entire allocation to assist thousands of homeowners, fulfilling the program's objective and leading to its conclusion.
To avoid scams, never pay an upfront fee for help with mortgage assistance. Be skeptical of unsolicited calls or emails guaranteeing loan modifications or foreclosure prevention. Always verify that you are working with a legitimate, HUD-approved housing counseling agency or your actual mortgage servicing company.
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