Housing Counseling & Programs
Foreclosure Prevention Counseling
ARC offers assistance to homeowners facing foreclosure in Southern Arizona and Maricopa County. If you are in the process of, are at risk of losing your home to foreclosure, ARC’s experienced certified counselors are here to help. For no cost, ARC counselors will help you assess your current situation, understand your options, submit a loan modification package and negotiate with your lender. Our experienced counselors will give you guidance every step of the way.
ARC provides assistance to distressed homeowners through the following services:
- Foreclosure Prevention Education
- Forbearance Agreement
- Deed in Lieu of Foreclosure
- Short Sales
- Pre/Post Purchase Homeowner Counseling
- Refinancing Counseling
- State-Sponsored Foreclosure Prevention Options
Save our Home Arizona (SOHA) – The Save Our Home AZ program, sponsored by the Arizona Department of Housing, was created to assist responsible homeowners to avoid foreclosure on their primary Arizona residence. Qualified homeowners may be eligible for assistance in the form of unemployment/underemployment mortgage payment assistance, second mortgage settlement or principal reduction.
Federally-Sponsored Sponsored Foreclosure Prevention Options
Making Homes Affordable Modification Program (HAMP)
HAMP is designed to help homeowners who have been impacted by financial hardship and are delinquent on their mortgage payments. With HAMP, your loan is modified to make your monthly mortgage affordable.
A HAMP modification may be an option if:
- You are ineligible to refinance
- You are facing a long-term hardship
- You are behind on your mortgage payments or likely to fall behind soon
- Your loan was originated on or before January 1, 2009 (i.e., the date you closed your loan)
- Your loan is owned by Fannie Mae or Freddie Mac – or is serviced by a participating mortgage company.
The Home Affordable Refinance Program (HARP) can help homeowners who are current on their mortgage payments but are in need of refinancing options. To be eligible for HARP, your mortgage must be held by either Fannie Mae or Freddie Mac.
The first step for mortgage assistance is to attend one of ARC’s group orientations with our housing counseling staff. This is an informative meeting that covers all the information you need to start the process.
Orientations take place every other Monday in our Tucson office, and twice monthly in our Glendale office. Call 520-623-9383 in Tucson and 602-374-2226 in Glendale to register and get started!
Note: Be cautious of scams. Do not sign your deed over to anyone or make a payment to anyone other than your mortgage servicer without seeking your servicer’s approval directly. Contact ARC today!
ARC is certified by HUD as a Housing Counseling Agency and has adopted The National Industry Standards for Homeownership Education, Counseling and Foreclosure Intervention. Housing counselors are individually certified with Neighborworks Center for Homeownership Counseling and Education (NCHEC).