; and (B) once the eligible mortgagor applies for the Program, the foreclosure sale shall be halted until after the eligible mortgagor’s Program application has been evaluated. (3) Contents of application (A) In general In applying for the Program, an eligible mortgagor shall provide the servicer with proof of the following information: (i) The eligible mortgagor is subject to a financial hardship that makes the eligible mortgagor unable to continue making timely payments on the eligible mortgage loan. (ii) The eligible mortgagor is eligible to pay the monthly rent amount described under subsection (c)(1) and such amount is no more than 31 percent of the eligible mortgagor’s monthly income. (iii) The eligible mortgagor currently lives in the property and intends to continue doing so during the 1-year lease term. (B) Ability to pay higher percentage of income in rent Notwithstanding subparagraph (A)(ii), if an eligible mortgagor believes they are able pay the monthly rent amount despite such amount exceeding 31 percent of the eligible mortgagor’s monthly income, the eligible mortgagor may request that the Secretary of Housing and Urban Development review their information, along with any contributing factors the eligible mortgagor may have (such as a low debt burden) and, if the Secretary notifies the eligible mortgagor that the Secretary agrees that the eligible mortgagor is able to pay a monthly rent amount that is equal to a percentage of their monthly income that is higher than 31 percent, such higher percentage shall be used for purposes of subparagraph (A)(ii). (4) Effect of junior liens If an eligible mortgagor applies for a Program with respect to a single family property subject to a junior lien— (A) if the servicer of the Program is also the holder of the junior lien, the servicer shall release the junior lien and, subject to the other requirements of this section, the eligible mortgagor shall be eligible to participate in the Program