Guide to Veterans Housing Assistance

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Our Mission

Be Financially Responsible

When the Veterans Housing Assistance Policy was adopted in 2015, it was based on the Resources and Development Committee’s recommendation of providing free (grant) homes to veterans. This would mean a significant lost in revenue from homebuyer payments and rental payments. The Board also considered the looming possibility of the Navajo Nation’s Indian Housing Block Grant (IHBG) funding decreasing in the foreseeable future. At the time, it was a concern of the NHA that the U.S. Department of Housing and Urban Development would begin to use the American Community Survey (ACS) as its data source for the IHBG funding formula. The implementation of ACS data, resulted in the NHA receiving $79,157,653 for PY 2018 which is $5,808,265 decrease from the $84,965,918 received in PY 2017. IHBG funding is on a declining trend and is expected to decrease annually.

Assisting More Veterans

After reconsidering all relevant factors and recalculating the number of homes that would be provided to veterans as grant homes and those that would not pay rent, the amount of funds set aside annually would not meet the needs of all or even most veterans and only a few would receive assistance. With the intent to serve more veterans, and with the looming potential funding decreases, on June 1, 2018 the NHA Board passed the amended NHA Public Rental Policy, the NHA Shi’ Shighan Homeownership Program Policy and the NHA Mutual Help Homeownership Opportunity Program Policy. These new revisions would potentially result in assisting a greater number of veterans, rather than giving a limited number of veterans more benefits.

WHO IS ELIGIBLE?

Any head of household Navajo Veteran or widow(er) or Gold Star parent who meets the income and veterans policies program requirements are eligible for benefits. All veterans may apply for the Veterans housing program, however dishonorably discharged veterans will not be eligible for veteran housing benefits. 

Who is Ineligible?

  • Criminal background & convicted felonies per policy
  • Applicants assisted before through other federal programs
  • Applications lacking all supporting documents

Low Income

In accordance with NAHASDA, a family’s gross total income will determine income eligibility for a low-income Veteran family.  A family must be (below 80% median income) to qualify as low-income. See chart below.

Non-Low Income

A veteran non-low income family (above 80% but below the 100%) may not receive the same assistance as a low income veteran family. Other options may apply. 

Application Process

The Navajo Housing Authority has two wonderful programs currently offered to serve our Navajo veterans. Interested persons can apply for either the Public Rental or the Homeownership Program. As with any of our housing programs you must apply for admission, at any one of our Housing Management Offices. 

It is important the NHA abides by rules and regulations set forth by the U.S. Department of Housing and Urban Developments NAHASDA requirements as well as the Navajo Nation laws. Therefore, to ensure compliance NHA asks for the following documents.  

Standard Application Forms

  • APPLICANTS CONSENT TO RELEASE OF INFORMATION
  • SALARY OR GRANT VERIFICATION FORM
  • INVOLUNTARY/SUBSTANDARD DISPLACEMENT CERTIFICATION FORM
  • VERIFICATION OF NON-HOUSING ASSISTANCE
  • RENTAL HISTORY FORM
  • MAP TO CURRENT RESIDENCE
  • CRIMINAL BACKGROUND CHECK

Who Can Apply?

Any head of household Navajo Veteran or widow(er) or Gold Star parent can apply for admission, at any of the NHA Housing Management Offices. You will need to submit the following documents:

Veteran

  • Housing Application
  • Income verification for all adult household members
  • Social Security Cards for all household members
  • Certificate of Indian Blood for all household members
  • Honorably discharged with DD-214

Widow(er)

  • Housing Application
  • Income verification for all adult household members
  • Social Security Cards for all household members
  • Certificate of Indian Blood for all household members
  • Shall have ONE (1) OF THE FOLLOWING THREE (3): Death certificate of deceased veteran; DD-1300, Report of Casualty; DD2064, certificate of death
  • Valid Marriage License (Marriage License (Church, Navajo Nation, Traditional Navajo wedding, Common Law, or validation of marriage by court decree)
  • DD214 of deceased Veteran as honorably discharged

Gold Star Head of Household Parent

  • Housing Application
  • Shall have ONE OF THE FOLLOWING THREE (3):
  • Death certificate of deceased veteran; DD-1300, Report of Casualty; dd2064, certificate of death
  • Birth Certificate of deceased veteran

Benefits

Public Rental

The selected eligible Veterans or widow(er) or Gold Star parent applicant and or tenants(s) whose total family income is below 80% Adjusted Median Income based on HUD’s income limits may have a veterans discount of up to fifty dollars ($50) toward their monthly rent payment. For example if Veteran A is paying $56 a month to NHA for rental payments and upon meeting eligibility requirements for the Veterans Housing Program, Veteran A’s new rental payment may be $56 – ($50 discount) = $6. Other benefits offered to Navajo Veterans through NHA’s programs may include:

  • PREFERENCE POINTS (wait list)
  • ELIGIBILITY DEDUCTIONS
  • UTILITY ALLOWANCES
  • SERVICE CONNECTED DISABILITY INCOME EXCLUSION
  • TRANSFER OF TENANTS i.e. LOCATION, ACCESSIBILITY, HOME SIZE

Homeownership

In accordance with NAHASDA, total family income (below 80% median income) will determine income eligibility for a low income Veteran family. Eligible veterans interested in homeownership can benefit for a one-time discount of up to $10,000 to go towards the purchase price of the home. 

A veteran non-low income  (80-100% Adjusted Median Income) family may not receive the same assistance as a low income veteran family. Other options may apply. 

Existing Units

In the case of an existing home, a one-time discount assistance up to, but not to exceed $10,000 may be applied to a current eligible veteran home buyer’s remaining amortization balance, after all equity accounts are applied as assistance toward the purchase price of the unit. If the payoff balance is less than $10,000, any unused portion of the $10,000 will not be paid out or transferred.

Purchase of Renovated Home

In the case of a vacant and renovated home, that has a completed value appraisal, a subsequent qualified veteran home buyer may qualify for a one-time discount assistance, up, to but not to exceed $10,000. The discount will be applied as a first payment toward the equity balance of the home. In addition to the monthly payment a minimum administrative fee may apply.

New Development/Construction

In the case of a new development home a one-time amount not to exceed $10,000 will be applied as a first payment, toward the equity balance of the unit. This will include the veterans’ monthly house payment, determined by family income and other factors. In addition to the monthly payment a minimum administrative fee may apply.

Apply at these locations

Arizona

Chinle, Arizona Phone: (928) 674-8500

Dilcon, Arizona Phone: (928) 657-3353

Fort Defiance, Arizona Phone: (928) 729-6310

Ganado, Arizona Phone: (928) 755-6450

Kayenta, Arizona Phone: (928) 697-3100

Pinon, Arizona Phone: (928) 725-3680

Tuba City , Arizona Phone: (928) 283-5500

New Mexico

Crownpoint, New Mexico Phone: (505) 786-4000

Navajo, New Mexico Phone: (505) 777-2770

Ojo Amarillo, New Mexico Phone: (505) 960-7300

Pinehill, New Mexico Phone: (505) 775-1120 Press “1”

Shiprock, New Mexico Phone: (505) 368-2030

Thoreau, New Mexico Phone: (505) 905-7000

Tohajiilee, New Mexico Phone: (505) 908-2400

Tohatchi, New Mexico Phone: (505) 733-3001

Frequently Asked Questions

Is the Navajo Nation Office of the President and Vice-President, Navajo Nation Council, and Veterans Department aware of the Veteran Assistance Housing Policy changes?

Yes, educating various departments was identified as the first step for the Navajo Housing Authority to begin as part of the roll out for the new veteran’s policy.

I already have a mortgage, how can the Navajo Housing Authority and Veteran Assistance Housing Policy assist me?

NHA may provide assistance, but this may depend on the type of assistance being requested. This would be on a case-by-case basis, and It would be best to visit any NHA Housing Management Office.

I already have a home but with no infrastructure, could Navajo Housing Authority assist with infrastructure?

Currently, the policies and the NHA’s Indian Housing Plan has not been revised to address this type of assistance for privately owned homes. The Navajo Nation, however, does have programs to provide this type of assistance.

Why is Navajo Housing Authority changing the policy?

The decision of the Board of Commissioners to change the policies  was a matter of financial responsibility and funds availability, which ultimately determined a change in procedures and processes. The amendments were made to better serve our Navajo Nation Veterans.

When is Navajo Housing Authority going to help Veterans and not take from the Veterans?

The Navajo Housing Authority is one of many programs providing assistance to Navajo Veterans. The assistance provided to veterans includes a subsidized amount associated to the payment schedule, disability income not included as income, and other allowable deductions.

Why didn’t the Navajo Housing Authority Board approve the pay-off amount of $6.4 million?

The NHA Board determined it was not a good financial decision to continue with policies or the directives associated with providing free (grant) homes. The Board, in its decision, considered funding levels and the number of potential veterans to be served.

Why isn’t the NHA Executive team coming out to the Housing Management Offices to talk with the Veterans?

The NHA Executive Branch currently has a Veterans Liaison whose main duties will include informing the Navajo Nation’s leadership and veteran’s agencies.