Housing
Housing
Here you will find tools and resources on how to navigate renters and mortgage assistance programs, as well as State actions to provide relief for Arizonans.
Governor Ducey and the Arizona Department of Housing announced $197 million to launch the Homeowner Assistance Fund.
The Centers for Disease Control and Prevention extended the eviction moratorium, which will expire on October 3, 2021.
Governor Doug Ducey today announced the Arizona Department of Economic Security will be launching a new Emergency Rental Assistance Program to provide financial assistance and housing stability.
Governor Doug Ducey announced $7 million to expand available rental assistance through the Arizona Department of Housing's Rental Eviction Assistance Program and the Rental Property Owner Preservation Fund.
Governor Ducey signed an executive order extending an eviction moratorium on residential evictions until October 31, 2020. The order also allocated $650,000 for Community Action Agencies to improve staffing and administration of rental assistance programs and $5 million to establish the Foreclosure Prevention Program.
Governor Ducey announced $5 million in new funding as a part of Arizona Department of Housing’s (ADOH) Rental Eviction Prevention Assistance Program to help Arizonans struggling to pay rent due to the COVID-19 outbreak. Rental assistance is available to renters whose primary residence is in Arizona and who have seen a reduction in income (that when annualized does not exceed 100% of the area’s median income) due to COVID-19.
ARIZONA HOMEOWNER ASSISTANCE FUND
The Arizona Department of Housing launched a one-time program to help keep low-income homeowners in their homes. The Homeowner Assistance Fund was established with funds from the American Rescue Plan Act and will help with mortgage payments and home-related expenses. While intended to prevent foreclosure, homeowners may also use the funds for past due utilities and internet services, property taxes, insurance, HOA fees and more.
Eligibility
- Income equal to or less than 150% of the area median income
- Experienced a financial hardship after Jan. 21, 2021
Homeowners who have experienced financial hardship related to COVID-19 may work with ADOH counselors on their applications.
ARIZONA EMERGENCY RENTAL ASSISTANCE PROGRAM
The U.S. Department of Treasury provided $492 million to the state of Arizona as part of a COVID-19 relief package. The Arizona Department of Economic Security (DES) was award $289 million to directly support large cities and counties for direct payments for rent, rental arrears, utilities, utility arrears, and other expenses related to housing stability incurred due to the COVID-19 pandemic.
DES will serve Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Navajo, Santa Cruz, Pinal, Mohave and Yavapai counties. Residents in these counties may apply for housing and utilities assistance starting February 23, 2021.
Arizona Eviction Prevention Assistance
The Save Our Home AZ (“SOHAZ”) Program offers Principal Reduction Assistance, Monthly Mortgage Subsidy Assistance for under and unemployed Arizonans and Second Lien Elimination Assistance to qualified Arizona homeowners. The program’s goal is to aid Arizona’s homeowners in avoiding foreclosure by assisting with mortgage affordability (a payment that does not exceed 31 percent of gross income) inclusive of property taxes and Homeowner’s Association (HOA) fees. Your lender's agreement to participate may be required, since mortgage assistance is provided directly to lenders on the homeowner’s behalf.
RENTER QUALIFICATION SELF-ASSESSMENT
MORTGAGE QUALIFICATION SELF-ASSESSMENT
Community Action Agencies in Arizona offer emergency eviction and utility assistance for renters and homeowners. Find programs in your county below.
VIEW COMMUNITY ACTION AGENCIES
FEDERAL MORTGAGE ASSISTANCE AND LOAN LOOKUP TOOLS
If your ability to pay your mortgage is impacted there are tools to lookup your loan provider to see if you are eligible to delay making your monthly mortgage payments for a temporary period during which you will not incur late fees or face foreclosure.
HOMEOWNER'S GUIDE TO SUCCESS
The Consumer Financial Protection Bureau developed this guide for homeowners to navigate financial hardships due to COVID-19. Homeowners can find information on late payments, connect with experts, learn how to work best with loan servicers and view mortgage assistance options.