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Oregon Housing and Community Services

Homeowner Assistance and Reconstruction Program (HARP)

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About HARP

HARP  

ReOregon launched 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.

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 HARP assistance

 

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 owns, leases, or will secure a lease for[2]

 

Home Purchase

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

If you prefer, you can download printable versions of the HARP Benefits Fact Sheet and the HARP Construction Pathways Flowchart.

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.

For a printable description of roles and responsibilities during each step, see our What to Expect: Working with the Homeowner Assistance and Reconstruction Program Team flowchart.

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 expenses needed to complete the project but that exceed the maximum award, except for site costs and some other excluded costs
  • Any 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 benefits based on eligible damage, benefits already received by the homeowner, and square footage of the original property.

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

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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 purchase of an existing home that does not require any additional work or repairs.
  • Applicants are encouraged to talk with a HARP representative before purchasing a new home.
  • At present, HARP cannot reimburse any money a homeowner has already spent to repair or restore their home. However, if funds become available at a later date, reimbursement may be possible. For this reason, ReOregon recommends keeping all rebuilding receipts and records.
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    How to get started

    Fill out an Eligibility Questionnaire

    The first step toward participating in HARP is to fill out a HARP Eligibility Questionnaire, which will help ReOregon determine whether a homeowner is qualified to apply. If so, they will receive an email invitation from Neighborly to begin the full application process.

    Visit a local ReOregon Intake Center

    Homeowners can also apply for HARP 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 other insurance or other disaster recovery assistance funds received
    • Proof of identity (such as photo ID)

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

    Contact us

    Call our Call Center at 877-510-6800 or 541-250-0938, or make an in-person appointment at a local ReOregon Intake Center to learn more.

    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, but the homeowner must be able to contribute additional funds because the cost of a stick-built home is higher. ^