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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 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.

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

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 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 (H​UD) standards (such as having more than two children per bedroom), the HARP 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 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.
  • 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.
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.​

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.


How to get started

Fill out an Eligibility Questionnaire

The first step toward participating in HARP is to fill out an 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 property 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 ReOregon Intake Center closest to you 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 through the Home Purchase path. Awardsar 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. ^