Potential Eligibility Questionnaire

Initial Eligibility *

Are all the statements below true for your household? 1) My household experienced financial hardship after 1/21/20 associated with COVID-19 2) My household has income at or below 150% of the area median income or 100% of the median income for the United States, whichever is greater; 3) I currently own and occupy a primary residence in New Mexico; and (4) My original loan balance did not exceed $417,000, or the conforming loan limit in place at the time the loan was originated.

You are ineligible for the HAF program.

Based on your input, it appears you are likely ineligible for the HAF program.

Payment Delinquency

Are you delinquent by at least one housing payment, including any payments during a forbearance period, or, in the case of a reverse mortgage, do you have outstanding property charges whether in default or in a repayment plan (a payment will be considered delinquent one day following the due date)?

Partial Claim

Are you seeking assistance to pay a Partial Claim (PC) or other subordinate mortgage that resulted from resolving delinquencies related to a COVID-19 forbearance?

You are ineligible for the HAF program

Based on your input, it appears you are likely ineligible for the HAF program.

Resume Housing Payments

Are you able to resume your housing payment(s) following receiving assistance if your current payment remains the same?

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program, which could include payment of a partial claim or other subordinate mortgage resulting from resolving delinquencies related to COVID-19 forbearance.

You may be eligible to receive free homeownership counseling and/or legal services

Principal Residence Delinquency

For my principal residence, I am delinquent on my ______.

Resume Payment

Are you able to resume payment following receiving assistance?

You may be eligible for the Property Charge Default Resolution Program

You may be eligible to receive free homeownership counseling and/or legal services.

Does your household meet the criteria below?

Does your household: 1) struggle to sustain housing payments due to unemployment; 2) have homeownership loan payments exceeding 40% of your household’s gross income; and 3) have a household member that is unemployed and receiving unemployment benefits?

You may be eligible for the Homeownership Loan Payment Assistance program

You may be eligible for the Homeownership Loan Payment Assistance program along with free homeownership counseling and legal services.

Resume Payment

Are you able to resume your housing payment(s) following receiving assistance if your current payment remains the same?

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program, which could include reinstatement.

Loss Mitigation Options

Does the entity that you make your housing payments to offer loss mitigation options and are you eligible for loss mitigation?

You may be eligible to receive free homeownership counseling and/or legal services.

Loss Mitigation Payment Reduction

Has your servicer offered you a loss mitigation option that would reduce your payment enough that you will be able to resume your housing payment but also requires additional one-time funding to complete the modification?

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program

You may be eligible for the Mortgage Reinstatement/Loss Mitigation Program, which could principal reduction, along with free homeownership counseling and/or legal services.

You may be eligible to receive free homeownership counseling and/or legal services

You may be eligible to receive free homeownership counseling and/or legal services.

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Homeowner Assistance Fund Potential Eligibility Questionnaire

Potential Eligibility Questionnaire