Homeowner Assistance and Reconstruction Program (HARP)

About HARP

ReOregon opened HARP so qualified homeowners whose properties were damaged or destroyed by wildfires and/or straight-line winds in 2020 can get the financial assistance needed to repair, rebuild, or replace their homes.

Read how HARP helped survivors rebuild homes and find stability.

Eligibility Questionnaire Closed

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 invitation from Neighborly to complete a full application.

If you have any questions, email housingsupport@reoregon.org or contact our Call Center at 877-510-6800 or 541-250-0938 for assistance.

HARP status and next steps

HARP timeline

Eligibility Questionnaire Period: Closed
Application Invitations: Ongoing for homeowners who have already submitted the eligibility questionnaire
Full Application Window: Only available to invited applicants

I missed the eligibility questionnaire — can I still apply?

No. New questionnaire submissions are no longer being accepted. Only homeowners who have already submitted will be considered.

I already submitted the eligibility questionnaire. What happens next?

Your eligibility questionnaire will be reviewed. If you are eligible to move forward, you will receive an email from Neighborly inviting you to complete the full HARP application.

When to visit a local ReOregon Intake Center

Homeowners who have been invited to complete the full HARP application can seek assistance in person at the ReOregon Intake Center closest to them. One of OHCS’ local partner organizations can help collect documents and complete the application once a homeowner qualifies.

Homeowners should bring the following information:

Proof of ownership for a home damaged or destroyed by wildfires and/or straight-line winds in 2020
Proof that the damaged or destroyed home was a primary residence
Proof of current income
Details about property insurance or other disaster assistance recovery funds received
Proof of identity (such as photo ID)

Services HARP offers to qualified homeowners

ReOregon can help survivors decide which option suits their situation and preferences. Depending on a property’s needs, HARP may be able to help with the following:

Rehabilitation

Repairing an originally damaged or replacement stick-built or manufactured home; homeowners must have at least $3,000 in remaining repairs to be eligible for the path.

Reconstruction

Building a new stick-built home on owned or leased land.^[1]

Manufactured Home Replacement

Replacing a damaged manufactured home on land a homeowner currently owns, currently leases, or will secure a lease for.^[2]

Home Purchase

Purchasing a stick-built or manufactured home that is already installed.

Reimbursement

Recover costs you already spent to repair, rebuild, or replace your home.

What to expect if you participate in HARP

Although the HARP application and program steps may take time to complete, ReOregon is here to support you fully along the way. Watch the short video below for a start-to-finish overview of the process.

You can also visit the “What to expect” webpage for a step-by-step guide through the HARP process.

HARP participants' responsibilities

HARP participants are required to contribute the following to their projects:

Any other recovery awards received previously that were intended to help with home repair or replacement (see Duplication of Benefits section)
Additional funds needed to complete the project but that exceed the maximum award
Any participant-requested project elements (such as premium appliances) that exceed project standards

If a homeowner qualifies for HARP, they can replace their damaged or destroyed home with a similar home of comparable size (subject to program maximums). HARP normally calculates awards based on the origingal damaged property type and size, the household size, and the benefits already received by the homeowner.

If the damaged home was overcrowded by U.S. Department of Housing and Urban Development (HUD) standards (such as having more than two children per bedroom), the HARP replacement home may be larger than the original.

Before submitting a HARP application, homeowners should keep these points in mind:

HARP can fund construction anywhere within the eight affected counties.

If a homeowner moves elsewhere, HARP can only help with the reimbursement or purchase of an existing home that does not require any additional work or repairs.

Applicants are encouraged to talk with a HARP representative before taking further recovery actions like selling their home, purchasing a new home, or signing a lease.

Applicants should be aware that once an application is submitted, a Stop Work Order will be issued. This means all repair work and contract signing must stop. This pause is necessary for ReOregon to complete an accurate damage assessment and better determine the value of any remaining work.

Read the full policy manual to learn more.

For more information, email housingsupport@reoregon.org, or call or text the ReOregon Call Center at 877-510-6800 or 541-250-0938.

Footnotes:

^[1] Homeowners can request HARP assistance to replace a destroyed stick-built home with a new manufactured home. Home can be located on the same site as the destroyed home, or (if that property has been sold) on a different lot purchased in the county of Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion. ^

^[2] Homeowners who lost a manufactured home can request HARP assistance with a stick-built replacement home through the Home Purchase pathway. Awards are calculated based on the original damaged home, so homeowners may need to contribute additional funds because the cost of a stick-built home is higher. ^