Native Community Capital

In the first quarter of this year, we successfully provided $6.1M+ in funding to Navajo homeowners through the Navajo Homeowner Assistance Fund (NHAF). 48 homeowners received NHAF grants.

This brings our total number of homeowners supported through the NHAF program to 365, with $17.9M+ in deployed funding since the program began in 2021.

With the NHAF program scheduled to end on September 30, 2026, we will continue to review applications and serve homeowners in the months ahead.

Please join us tomorrow, 5/29, at 1pm MDT/ 12pm MST for a Facebook Live where we will provide additional updates on the NHAF program and answer any questions you may have.

Heads up! We’re still accepting applications for Navajo homeowners who live on-reservation.

If you are an enrolled Navajo tribal member making payments on your home located on the Navajo Nation and experienced a COVID-related financial hardship any time after January 21st, 2020, the Navajo Homeowner Assistance Fund (NHAF) may be able to pay up to $150,000 of your remaining home loan.

Application portal is now open for the Mortgage Principal Reduction Assistance (MPRA) Program on a first come first serve basis. Homeowners must meet all eligibility requirements. Limited funds are available.

Apply today at nativecap.org/nhoafund.

The portal is now open for the Mortgage Principal Reduction Assistance program only!

If you are an enrolled Navajo Nation tribal member, have an outstanding principal loan balance on your primary home located on the Navajo Nation, and have experienced a COVID-related financial hardship any time after January 21, 2020, the Navajo Homeowner Assistance Fund (NHAF) may be able to help pay off up to $150,000 of your remaining home loan. Must meet all eligibility requirements.

Apply today at nativecap.org/nhoafund.

Interested in applying for the Mortgage Principal Reduction Assistance (MPRA) program?

Start prepping now so that when the portal re-opens on 4/1, you have a head start on your application.

Step 1: Confirm that you are eligible — applicant must meet all eligibility requirements to be considered for assistance

Step 2: Begin collecting all of the required documentation needed to submit your application

Step 3: Set your alarm for 10am MST

For more information on the eligibility and documentation requirements for the MPRA program, visit us online at nativecap.org/nhoafund.

The portal will re-open on Wednesday, 4/1!

We will only be accepting applications for the Mortgage Principal Reduction Assistance Program (MPRA) at this time.

If you are an enrolled Navajo Nation tribal member, have an outstanding principal loan balance on a home you own on the Navajo Nation, and have experienced a COVID-related financial hardship any time after January 21, 2020, the Navajo Homeowner Assistance Fund (NHAF) may be able to help pay up to $150,000 of your remaining home loan. Must meet all eligibility requirements.

Learn more at nativecap.org/nhoafund.

Receiving messages like this one from a homeowner in St. Michaels, AZ, is a reminder of the impact that the Navajo Homeowner Assistance Fund (NHAF) has within our community.

We started working with this homeowner in June 2025. They qualified for the Mortgage Reinstatement Assistance (MRA) and the Monthly Mortgage Payment Assistance (MMPA) Programs. These NHAF programs provide financial relief that paid off a large delinquent mortgage balance, and made additional mortgage assistance payments.

We are committed to supporting Navajo families through the NHAF programs mentioned, as well as Mortgage Principal Reduction Assistance and other programs. To learn more about NHAF and the programs provided, visit us online: https://www.nativecap.org/nhoafund/

🎉 EXCITING NEWS 🎉

In the month of October, Native Community Capital obligated over $2M through the Navajo Homeowner Assistance Fund (NHAF) — the highest monthly amount to date.

We believe in the importance of keeping our community informed as we continue our work with NHAF. Starting this month, we'll provide regular updates that will include monthly and total amounts for obligated funds, as well the monthly and total number of clients served.

Learn more about NHAF and what this program offers: https://www.nativecap.org/nhoafund/

Myth or Fact?

The Navajo Homeowner Assistance Fund (NHAF) has seen lots of social commentary and official inquiry as of late.

Swipe through this post as we break down 5 common myths about NHAF.

To learn more about NHAF, visit us online: https://www.nativecap.org/nhoafund/