There are numerous mortgage assistance programs available – state and federal – that may provide relief to distressed homeowners. If you’re burdened by an unaffordable mortgage, behind on payments or in danger of foreclosure, there are programs that may help you, even if you’ve been turned down or ineligible in the past.

In addition to current and recently expanded programs, Arizona has created a flexible mortgage loan program and the Attorney General has set aside $20 million from the National Mortgage Settlement Funds to help distressed homeowners.

The Arizona Mortgage Relief Fund is a statewide program, administered by Neighborhood Housing Services of Phoenix, to provide loans to borrowers struggling to stay in their homes. Download the AZ Mortgage Relief Fund flyer here.

To access these funds, borrowers will need to work with housing counselors. Counselors can guide homeowners to new and expanded programs available now, including those who may have been turned down for one or more programs in the past. These services are provided free of charge.


One-time Recovery - Reinstatement Assistance

Arizona Mortgage Relief Fund: If you are at least two payments behind on your mortgage payments, but you have resolved any temporary hardship that caused you to fall behind, you may be eligible for a one-time recovery loan. The loan may also be part of an AZ Mortgage Relief loan modification. Download the AZ Mortgage Relief Fund flyer.

To find out if you qualify, contact your local housing counselor or the fund administrator, NHS Phoenix at (602) 258-1659 or www.nhsphoenix.org.


Lower Interest Rates — Loan Refinance

In today's housing market, many homeowners have experienced a decrease in their home's value. Programs are available to help you than can lower your interest rate through refinance.

  • Home Affordable Refinance Program (HARP): If you are current on your mortgage and have been unable to obtain a traditional refinance because the value of your home has declined, you may be eligible to refinance through HARP, a U.S. government program. HARP is designed to help you refinance into a new affordable, more stable mortgage. 
  • Arizona Mortgage Relief Fund: If you are current on your mortgage, but your debt ratio puts you at risk for falling behind, Arizona Mortgage Relief Funds may be available to refinance your loan to help you attain a more affordable mortgage. Download the AZ Mortgage Relief Fund flyer.

To find out if you qualify, contact your local housing counselor or the fund administrator, NHS Phoenix at (602) 258-1659 or www.nhsphoenix.org.



Lower Payments — Loan Modification

  • Home Affordable Modification Program (HAMP): HAMP, a U.S. government program, lowers your monthly mortgage payment to make your payments more affordable. Forty percent of consumers receiving a typical HAMP modification see a drop in monthly mortgage payments according to The Urban Institute Report: NFMC Program Evaluation, Dec. 2011. Second lien modifications may also be available under HAMP. 
  •  Arizona Mortgage Relief Fund: If you are at least two payments behind, and program assistance can modify your loan to help you attain a more affordable mortgage, there may be funds to help you in the form of a principal reduction. Download the AZ Mortgage Relief Fund flyer.

To find out if you qualify, contact your local housing counselor or the fund administrator, NHS Phoenix at (602) 258-1659 or www.nhsphoenix.org.



Home Again Foreclosure Relocation Assistance

Home Again provides relocation assistance to Arizona families and individuals who lost their home to foreclosure or at risk of foreclosure and who meet funding eligibility guidelines.

Financial relocation assistance may include:

  • Security deposits
  • Utility deposits
  • Moving expenses
  • First month’s rent

Eligibility requirements:

  • Lost a home due to unavoidable foreclosure within the last 5 years (as a homeowner or tenant)
  • At risk of becoming homeless due to foreclosure within 30 days (as owner or tenant)
  • Meet the household income qualifications
  • Ability to pay rent and utilities


For more information, contact:

Central & Northern Arizona: 855-250-7700,  e-mail at HomeAgain@cc.az.org or CatholicCharitiesAZ.org/HomeAgain  

Southern Arizona: 855-622-2801, e-mail at HomeAgain@ccs-pio.org or ccs-soaz.org/ 



Hardest-Hit Assistance

The Save Our Home AZ program, administered by the Arizona Department of Housing, provides assistance to eligible Arizona homeowners in the form of unemployment/underemployment mortgage assistance, principal reduction assistance for modification or eligible refinances, reinstatement of deliquent payments, second lien elimination, and short sale assistance. Learn more about these programs here