The Homeowner Assistance Fund (HAF) program is winding down and program funding is limited. Effective June 30, 2025, the Unemployment Mortgage Assistance Program will be closed. Hope is still here. You may apply under the Mortgage Reinstatement Assistance Program if you are employed or unemployed and in need of mortgage assistance after June 30th. Representatives are available between the hours of 8:00 AM and 4:00 PM Pacific Standard Time to take calls at (888) 320-6526.
Approval of an application does not guarantee receipt of foreclosure prevention assistance if program funding has been exhausted, or the Nevada HAF Program is otherwise terminated.
UMA will provide temporary financial assistance to eligible Nevada homeowners who wish to remain in their homes but have suffered a loss of income due to unemployment.
- Experienced involuntary job loss due to COVID-19 pandemic that occurred on or after January 21, 2020.
- At least one homeowner must currently be unemployed and receiving Unemployment Insurance Benefits (UIB) or have received UIB any time on or after January 21, 2020.
- Benefit/Assistance for up to 6 months.
- Includes insurance, taxes, and HOA fees.
- Will include reinstatement of delinquent first mortgage loan, non-escrowed taxes, HOA fees, and homeowner’s insurance.
- Up to $65,000 per household.
- Up to six monthly payments, continued recertification of employment status required.
- Household income must be equal to or less than 150% of the area median income or 100% of the median income for the United States, whichever is greater.
- Homeowner must own and occupy a single family Nevada home (1-4 unit), condominium or manufactured/mobile home and it must be their primary residence.
- A 3-year forgivable lien may be required. No lien is required for mobile/manufactured homes that are not converted to real property.
- Eligible financial hardship must have occurred after the purchase of the home and within the timeframe specified above.
- Properties with a 1st priority mortgage secured by a Home Equity Line of Credit (HELOC) must be past the drawdown period.
- Loan balance on the date the loan was originated must not exceed the conforming loan limit amount set by the federal government on the year the loan was originated.