Financial Assistance for Homeowners; Creates Homeowners' Assistance Fund within Department of Commerce for specified purposes; provides expenses that qualify under fund; requires secretary of department to allocate certain amount of funds for administrating & overseeing fund, to provide technical assistance to eligible entities, & to inspector general of department to oversee certain programs; specifies how secretary must allocate funds to eligible entities; requires eligible entities to request funds within certain time period; requires secretary to disburse & reallocate funds within certain time period.