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Getting started with HARP: See if you qualify
All survivors whose homes were damaged or destroyed as a result of wildfires and/or straight-line winds in 2020 deserve safe, affordable, permanent housing. The Homeowner Assistance and Reconstruction Program (HARP) may be able to help.
To qualify, homeowners must meet the requirements below and submit an
Eligibility Questionnaire. Based on the questionnaire responses, ReOregon will determine whether a homeowner can proceed with a HARP application.
U.S. citizenship or legal residency is not necessary to apply to HARP.
Get started on a HARP Eligibility Questionnaire. You will not need any documentation to answer the questions.
Start the questionnaire People who were renting their homes at the time of the wildfires and straight-line winds in 2020 should take the
renter survey.
Requirements
Homeowners may qualify for HARP if they meet the following requirements:
- They owned a primary residence in the county of Clackamas, Douglas, Jackson, Klamath, Lane, Lincoln, Linn, or Marion.
- Their home was damaged or destroyed due to wildfires and/or straight-line winds in 2020.
- They have remaining construction repairs of at least $3,000.
- They are in good standing on their mortgage and property taxes, meaning their statements show they are current on payments or are on a payment plan. Please note the following:
- Homeowners may still apply to HARP if they are not in good standing, but they must prove they are working to resolve the issue or that they are on a payment plan before they can receive an award.
- Homeowners’ lenders must consent to the homeowners’ participation in HARP.
- Housing counselors will be provided if homeowners need assistance.
For a printable version of HARP qualifications, see our
Do You Qualify for HARP? fact sheet.
Other important conditions
HARP will also consider the following factors to determine if you qualify:
- Homeowners who own
certain damaged structures are NOT eligible for HARP assistance. These structures include second homes, foreclosed homes, recreational vehicles, campers, detached structures, unpermitted housing units, mixed-use buildings, and multiplexes with five or more units.
- Homeowners who own properties that were damaged not by wildfires
but by straight-line winds in 2020 may be eligible for HARP assistance.
-
New owners of a home damaged in the disaster are not eligible for HARP assistance.
If you are eligible for HARP, ReOregon will send you an email inviting you to apply, so be sure to check your inbox often for an email from Neighborly!