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Getting started with HARP: See if you qualify
Thank you for your interest in the Homeowner Assistance and Reconstruction Program (HARP). The Eligibility Questionnaire is now closed. Applicants who already submitted will be contacted if eligible to move forward.
New eligibility questionnaire submissions are no longer being accepted.
If you already submitted an Eligibility Questionnaire, you will still be considered. If you are eligible to move forward, you will receive an email from the program to complete a full application in Neighborly.
If you have any questions, email
housingsupport@reoregon.org or contact our Call Center at 877-510-6800 or 541-250-0938 for assistance.
People who were renters at the time of the wildfires and straight-line winds in 2020 should go to the
Housing Support Services page for more information.
Requirements
Homeowners may qualify for HARP if they meet the following requirements:
- They owned a primary residence in the county of Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion.
- Their home was damaged or destroyed due to wildfires and/or straight-line winds in 2020.
- Your home has
at least $3,000 in remaining construction repairs.
- They are in good standing on their mortgage and property taxes, meaning their statements show they are current on payments or are on a payment plan. Please note the following:
- Homeowners may still apply to HARP if they are not in good standing, but they must prove they are working to resolve the issue or that they are on a payment plan before they can receive an award.
- Homeowners’ lenders must consent to the homeowners’ participation in HARP.
- Housing counselors will be provided if homeowners need assistance.
- If you are participating in home purchase, you must be at or below
120% of the area median income.
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If you are participating in the reimbursement pathway, some costs, such as land and home purchase or replacement, are limited to households with incomes at or below 120% of the area median income. See the reimbursement page for details.
Homeowners seeking
reimbursement must meet HARP habitability standards and must have already paid for home repairs before applying to HARP or by January 10, 2025, whichever was earlier.
Other important conditions
HARP will also consider the following factors to determine if you qualify:
- Certain damaged structures are NOT eligible for HARP assistance. These structures include second homes, foreclosed homes, recreational vehicles, campers, detached structures, unpermitted housing units, mixed-use buildings, and multiplexes with five or more units.
- Costs for non-primary housing structures (e.g., sheds or garages) may be eligible under certain circumstances.
- Homeowners who own properties that were damaged not by wildfires
but by straight-line winds in 2020 may be eligible for HARP assistance.
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New owners of a home damaged in the disaster are not eligible for HARP assistance.
- HARP can fund construction
anywhere in the eight affected counties. If you have not yet recovered and would like assistance with a home purchase, HARP can help you purchase an existing home that does not require any additional work or repairs anywhere within the State of Oregon. Applicants are encouraged to talk with a program representative before purchasing a new home.