What to expect

Complete an eligibility questionnaire

Before applying for HARP, you must fill out and submit the online Eligibility Questionnaire. This form provides basic information about your household and your property. It helps us determine if you are eligible to apply for HARP.

Submit your HARP application

If HARP thinks you might be eligible, ReOregon will invite you to submit your application and documents online, by mail, or in person at a ReOregon Intake Center. You must stop all in-progress construction and repairs when you submit your application.

ReOregon reviews your eligibility

After ReOregon receives your completed HARP application and documents, we will review them to determine if you are eligible for HARP. We will check your identity, household income, and property details.

ReOregon checks for duplication of benefits

If another program, insurance company, or third party has already provided the funds needed to repair, rebuild, or replace a property, homeowners participating in HARP cannot claim HARP assistance for the same purpose unless they have an unmet financial need that requires additional funding. This is considered duplication of benefits (DOB).

You must notify ReOregon about funds you have already received, and you will be responsible for contributing those funds to your project. Avoiding DOB enables ReOregon to distribute HARP funds to more survivors who need assistance.

Schedule and complete a property inspection with ReOregon

All HARP rebuilding, repair, replacement, and reimbursement projects need property inspections.* This ensures your project will not negatively affect the surrounding environment or the people living in the home.

ReOregon determines your preliminary HARP grant award

ReOregon calculates how much HARP assistance you might get based on your project's estimated cost and the information you provided.

Confirm the terms of your grant with ReOregon

Before your project can be funded and move forward, you need to agree to and sign all documents and forms in your HARP Grant Agreement. For rehabilitation, reconstruction, or replacement projects, you will also be required to contribute any DOB funds you may have received (see step 4 above) before program funds can be awarded to the project.

Monitor construction on your property with ReOregon

ReOregon can help you make sure that the home you are building, repairing, or buying consistently meets HARP standards, HUD housing quality standards, and any local requirements.

Move into your home and confirm project completion

Once construction is done, you can request a final building inspection to make sure all work was completed according to HARP guidelines and state and local codes, and that your home meets HUD’s housing quality standards.