The purpose of the HAF Program is to assist eligible SRMT tribal homeowners with financial assistance to prevent mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacements of homeowners experiencing financial hardship; additionally, to assist with mortgage reinstatement after January 21, 2020.

What type of assistance will be available?

  • Mortgage payment assistance; HUD Home housing payments
  • Financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing costs related to a period of forbearance, delinquency, or default
  • Payment Assistance for:
    • Utilities, including electric, gas, home energy, and water
    • Internet service, including broadband internet access service
    • Homeowners insurance, flood insurance, and mortgage insurance
  • Payment assistance for delinquent property taxes to prevent homeowner tax foreclosures
  • Measures to prevent homeowner displacement, such as home repairs to maintain the habitability of a home or assistance to enable households to receive clear title to their properties
  • Individual homeowners' performance plan, including budget and financial literacy skills

Who is Eligible?

The SRMT HAF Program is for eligible homeowners who meet the following conditions:

  • Homeowners must be tribal members or have the eligibility to be enrolled members of the SRMT
  • Homeowners must reside in the jurisdiction of Akwesasne or within the 15-mile radius
  • Homeowners must own and reside in the home for which they are applying
  • Homeowners that have received financial hardship after January 21, 2020, due to job loss, reduction in income, or increased costs due to healthcare or the need to care for a family member
  • Homeowners must meet the household income limits as defined by the SRMT HAF Program

How long is assistance available?

Eligible homeowners may receive up to 6 months of assistance; recertification is required at 3 months.  To qualify for recertification, applicants must have completed one financial empowerment class and 30 days of expense tracking. 

What documents will a homeowner be required to show as proof of eligibility? 

  • Fully completed and notarized HAF Program application
  • SRMT Tribal enrollment card or proof you are eligible for a SRMT Tribal enrollment card
  • Documentation showing homeownership 
  • Proof of Annual Household Income Documents for everyone over 18.  This includes but is not limited to full and part-time employment, Canadian income, all income from public assistance agencies, social security, pension, SSI, disability, armed forces reserve, unemployment compensation, rental income, alimony, child support, and grants. 
    • A copy of your most recent IRS form 1040 (first two pages only) 
    • Pay stubs or a letter from your employer 
    • SSI/Disability/PA/etc. award letter
    • If the homeowner is self-employed, the applicant must have a notarized attestation letter outlining the type of work performed and income earned in the last 12 months
    • Employment attestation form 

Submit the following documentation if applicable:

  • If you are behind in Mortgage payment(s): documents showing arrears and interest/penalties accrued
  • If you are behind in Utility payments (s), copy of your most recent utility bills showing the amount owed, the utility provider, and the account number. 
  • All bills MUST be in the homeowner’s name to be eligible

What is required of me?

  • to attend ONE financial empowerment class
  • to meet with the Program Manager to track expenses and create a self-sustainability plan
  • to submit bills on time to ensure payments are made in a timely manner
  • to update the file as to any new family members coming into or leaving home
  • to update the file as to any new or loss of income for anyone over the age of 18 who lives in the home
SRMT HAF Income Guidelines
Household Size12345678
Annual Income Limits$58,500$66,800$75,200$83,500$90,200$96,900$103,600$110,300

For more information contact: HAF Program at (518)358-2272, ext. 2560 or alexandra.david@srmt-nsn.gov

Helpful Documents

GreenPath Lender Self-Help Guide

GreenPath Budgeting Worksheet

Homeowners Assistance Fund Program Application