Utility Assistance For Homeowners

The New Mexico Homeowner Utility Assistance Program can provide eligible homeowners with assistance to cover past due utility services. Eligible households may receive a combined total of up to $1,000.00 for all utility assistance.

AM I ELIGIBLE?

1. Are a homeowner in New Mexico

2. Have experience financial hardship after January 21, 2020 associated with the COVID-19 pandemic

3. Meet the program’s income limits

WHAT DOES IT COVER?

Eligible utility includes:

  • Electric
  • Gas
  • Internet
  • Water
  • Sewer
  • Trash
  • Fuel
  • Wood
  • Pellets

Required Documents

Identification (ID)

Valid state or government issued Driver’s License or Identification (ID)

Income Verification

Acceptable documentation – only those that apply to your household are required:

  • Employment wages: paychecks, verification of income
  • Self employment: profit and loss statements, recent tax return/filing
  • Social security, pensions, retirement, disability, etc.: current benefits letter
  • Unemployment insurance, worker’s compensation, severance compensation
  • Any public assistance (General Assistance or TANF) payments from state or local income support office
  • Child support, family support
  • Armed forces pay
Proof of Homeownership

Any one (1) of the following:

  • Mortgage/homeownership loan statement
  • Mobile or manufactured home loan statement
Utility Bills

Past due utility bills. Screenshots are allowed.

How to Apply for Homeowner Utility Assistance

1. Collect all necessary documents for application

2. Click Apply below

3. Create a new username and password for you application

Save this information to access your application later!

4. Once inside the application, click on New Application

5. Select Homeowner Utility Assistance Program

6. Fill out and submit the application with all proper documents

Important Information

Processing and Review Time

Applications can not be processed until complete. Please include all documents prior to submitting applications.  

A member of our team will contact you if we require additional information.

It may take up to five weeks from submission of a complete application to receive requested funds.

A limited amount of funding is available for this program. Applications are processed in the order they are received. Utility assistance will be capped at $1,000 per household.

 

Funding 

If your application is approved, assistance payments will be sent directly to your utility provider.

Utility assistance provided does not have to be repaid.

 

Mortgage Assistance

If you are also seeking mortgage assistance, you will need to apply to the Homeowner Assistance program separately. See information below. 

Are you looking for Mortgage Assistance?

The New Mexico Homeowner Assistance Fund (HAF) program will provide housing grants to income-eligible households experiencing financial hardship associated with the COVID-19 pandemic.

These grants are to fund mortgage payments, taxes, and insurance up to $20,000 per household, to maintain housing and/or to reduce housing cost delinquency.

New Mexico homeowners can apply for (1) home loan reinstatement, (2) payment assistance for households receiving unemployment benefits and (3) assistance for homeownership insurance costs and delinquent property taxes.

Visit the Mortgage Finance Authority to learn more and apply.

Frequently Asked Questions (FAQs)

What is the New Mexico Homeowner Assistance Fund?

The New Mexico Homeowner Assistance Fund (HAF) program will provide housing grants to income-eligible households experiencing financial hardship associated with the COVID-19 health crisis.

 The program was created to prevent ​​homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities, and displacements of homeowners experiencing financial hardship after January 21, 2020.

Am I eligible for utility assistance for homeowners?

You may be eligible for homeowner utility assistance if you:

  1. Are a homeowner in New Mexico
  2. Have experience financial hardship after January 21, 2020 associated with the COVID-19 pandemic

Meet the program’s income limits

What is the maximum amount of utility assistance I can receive?

The maximum amount of utility assistance a household may receive is $1,000. As an applicant, you are responsible for deciding how to allocate your $1,000 for utility assistance.

If you owe more than $1,000 in utility bills, you must decide which utility service gets awarded what amount. For example, you may decide to pay your water provider $400, your electricity provider $200, and gas provider $400.

What documents do I need to have ready to apply for assistance?

Applicants need the following documents to complete their application:

  1. Identification (ID)
  2. Income verification
  3. Proof of homeownership

Utility bills

Can funds be used to pay future utility payments?

No. Utility assistance can only be used to pay past-due utility services.

What are financial hardships?

Eligible hardships related to COVID-19 include, but are not limited to, unemployment, reduction in work hours, increased expenses, or complete loss of income. During the application process, homeowners will be required to attest to their financial hardship.

How do I know if I meet the income qualification?

Eligible applicants for utility and mortgage assistance must be at 150% of the Area Median Income by county or 100% of the Median Income for the entire United States, whichever is greater. 

 

View program income limits by County here.

What type of utility assistance is available for homeowners?

The Homeowner Utility Assistance Program can provide eligible homeowners with assistance to cover past due/delinquent utility services. Eligible households may receive a combined total of up to $1,000.00 for all utility assistance.

Eligible utility includes:

  • Electric
  • Gas
  • Internet
  • Water
  • Sewer
  • Trash
  • Fuel
  • Wood
  • Pellets

Will I receive financial assistance?

The program will send utility assistance payments directly to your utility provider.

Do I need to pay back the assistance?

No. HAF funds will be disbursed to utility providers on behalf of eligible homeowners. Only in the instance of fraud or wrongful misrepresentation would an applicant have to repay the funds.

How do I apply for utility assistance as a homeowner?

  1. Collect all necessary documents for application
  2. Click on the Apply button above
  3. Create a new username and password for your application.
    Save this information to access your application later!
  4.  Once inside the application, click on New Application
  5.  Select Homeowner Utility Assistance Program
  6.  Fill out and submit the application with all proper documents

Where do I apply for mortgage assistance?

Visit the Mortgage Finance Authority Homeowner Assistance Fund to learn and apply for mortgage assistance.

Why are there two different applications for mortgage assistance and utility assistance?

The Homeowner Assistance Program is being jointly administered by the New Mexico Mortgage Finance Authority and the Department of Finance and Administration.

Let’s make staying in your home easier, together.

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