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Getting started with HARP: See if you qualify
All survivors whose homes were damaged or destroyed as a result of wildfires and/or straight-line winds in 2020 deserve safe, affordable, permanent housing. The Homeowner Assistance and Reconstruction Program (HARP) may be able to help.
To qualify, homeowners must meet the requirements below and submit an Eligibility Questionnaire. Based on the questionnaire responses, ReOregon will determine whether a homeowner can proceed with a HARP application.
Get started on a HARP Eligibility Questionnaire. You will not need any documentation to answer the questions.
Start the questionnaire 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.
-
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.
For a printable version of HARP qualifications, see our
Do You Qualify for HARP? fact sheet.
Other important conditions
HARP will also consider the following factors to determine if you qualify:
- Homeowners who own
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.
- Homeowners who own properties that were damaged not by wildfires
but by straight-line winds in 2020 may be eligible for HARP assistance.
-
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.
If you are eligible for HARP, ReOregon will send you an email inviting you to apply, so be sure to check your inbox often for an email from Neighborly!
The last day to submit your application is
Dec. 31.