[College Hill Topeka] Fwd: KHAF Program is Open!

[Katrina Shaw]

---------- Forwarded message ---------
From: Rachelle Vega-Retana <rvretana at topeka.org>
Date: Mon, May 2, 2022 at 12:56 PM
Subject: KHAF Program is Open!
To:


*The Kansas Homeowner Assistance Fund (KHAF)
<https://kshousingcorp.org/kansas-homeowner-assistance-fund> program is
open for applications!  Don’t wait, apply today!  Funds are limited.*



The program’s goal is to aid homeowners in *avoiding foreclosure* by assisti
ng with homeownership related expenses.

*Applicants must be at least 30 days past due on their mortgage or property
taxes/charges to qualify for assistance types.*

For application assistance -* KHAF Call Center at 855-307-KHAF (5423)* or
complete the KHAF Contact Us Form
<https://forms.office.com/pages/responsepage.aspx?id=oF1VzqfOBUqq7Z9-kOWz--a0x7oCR49PqqlfeCYOQUlUN1dQVE9UUENRTVJQSFJXRllVTExSMzZNUS4u>
.



*Qu**a**lifications *

Ø The household gross income must not be more than 150 percent (150%) of the
area median income (AMI) for the County in which the property is located or
100% US Median Income. See *KHAF Income Chart.
<https://kshousingcorp.org/wp-content/uploads/2022/04/KHAF-Income-Limits.pdf>*

Ø The property must be located within the state of Kansas.

Ø The property must be the applicant’s primary residence.

Ø The applicant must be the owner of the property.

Ø Applicants *must be at least 30 days past due* on their mortgage or
property taxes/charges to qualify for assistance types.

Ø There must be a pandemic-related financial hardship after January 21,
2021 (loss of income or increase in expenses).

Ø Original mortgage amount must be within conforming loan limits
<https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Conforming-Loan-Limits-for-2022.aspx>
.



*E**ligible Properties*

Ø Owner Occupied, Primary Residences (second homes and investment
properties are *not* eligible for assistance).

Ø Single Family Residences, One to Four Unit Dwellings, Condos,
Manufactured Homes (affixed and unaffixed) and Townhomes.



*Assistance Terms*

Ø $45,000 Max Assistance Amount (this is a combination of up to $35,000 in
mortgage reinstatement and payment assistance plus up to $10,000 in
property charges and utility/internet/broadband assistance) provided as a
grant up to $25,000 and a two-year forgivable loan for mortgage related
assistance more than $25,000.



*Assistance Types*



*Mortgage Reinstatement **Assis**t**ance*

Ø *Mortgage must be past due by at least 30 days.*

Ø Assistance up to $35,000.

Ø Reinstatement assistance must bring the mortgage current by curing all
past-due amounts.

Ø This assistance covers *past due primary mortgage, second mortgages,
reverse mortgages, and even non-traditional loans such as land contracts
(contract for deed) or manufactured homes. *



*Mortgage Payment Assistance*

Ø *Must have current mortgage delinquency.*

Ø Combined assistance (including reinstatement) up to $35,000.

Ø Up to six (6) months of forward payment assistance paid directly to
mortgage servicer.



*Property Charges Assistance*

Ø *Property charges and/or taxes must be past due by at least 30 days.*

Ø Assistance up to $10,000 maximum (inclusive of utility/internet/broadband
assistance when applicable).

Ø This assistance covers *past due* property charges including property
taxes, insurance premiums (including homeowner’s insurance and flood
insurance), homeowner association fees, condominium association fees,
cooperative maintenance, and common charges.



*Utility/Internet/Broadband Assistance*

Ø *Must have mortgage or property tax/charge delinquency to qualify.*

Ø Assistance up to $10,000 maximum (inclusive of property charges
assistance when applicable).

Ø This assistance covers *past due* electricity, water, wastewater, gas,
home energy, internet, and broadband.



*H**ow do I Start?*

Ø To apply for assistance, register for your online account and complete an
on-line application.
<https://khaf.mortgagereliefapp.com/content2/access/login>

Ø For questions, please contact the *KHAF Call Center at 855-307-KHAF
(5423)* or complete the KHAF Contact Us Form
<https://forms.office.com/pages/responsepage.aspx?id=oF1VzqfOBUqq7Z9-kOWz--a0x7oCR49PqqlfeCYOQUlUN1dQVE9UUENRTVJQSFJXRllVTExSMzZNUS4u>
.



*Application status* can be checked at any time by logging into your account
<https://khaf.mortgagereliefapp.com/content2/access/login>.



KHAF Flyer
<https://kshousingcorp.org/wp-content/uploads/2022/04/KHAF_Flier_JU_411.pdf>

KHAF Application System
<https://khaf.mortgagereliefapp.com/content2/access/login>

KHAF Fact Sheet
<https://kshousingcorp.org/wp-content/uploads/2022/04/KHAF-Fact-Sheet-English.pdf>

KHAF Application Checklist
<https://kshousingcorp.org/wp-content/uploads/2022/04/KHAF-Applicant-Checklist-English.pdf>

Additional Resources
<https://kshousingcorp.org/wp-content/uploads/2022/02/Additional-Housing-Resources-KHAF-1.pdf>





<mstanley at kshousingcorp.org>



Rachelle Vega-Retana, Grants Administrator

City of Topeka, Dept. of Planning & Development

Division of Housing Services

620 SE Madison St
<https://www.google.com/maps/search/620+SE+Madison+St?entry=gmail&source=g>.
1st Floor – Unit 8

Topeka, Ks. 66607

Phone: (785) 368-4490

Fax:      (785) 368-2546

Email:    rvretana at topeka.org



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