Earlier this year, President Joe Biden signed the American Rescue Plan Act of 2021 into law. This law created a Homeowner Assistance Fund to provide $10 billion to the states to help struggling homeowners catch up on mortgage payments, utility costs, past-due property taxes, and other housing-related expenses. As part of the federal American Rescue Plan Act, eligible homeowners in Arizona affected by COVID-19 can apply for part of the $197 million allocated to the state.
Homeowners can use funds to catch up on mortgage delinquencies and prevent defaults and foreclosures. Funds can also be applied to other housing-related expenses, like delinquent utility bills, for internet services, and to pay different property costs.
Specifically, you can apply for financial assistance to cover any of the following types of housing-related expenses:
To get housing assistance from this fund, you must have:
You also must be applying for assistance for your primary residence. Second homes and investment properties don't qualify.
Go to haf.azhousing.gov to submit your application. You can apply with any device, like a laptop, tablet, or cell phone, with an internet connection. You'll need to provide some documentation, like a government-issued ID (such as a driver's license), proof that you own the home, income documentation (like pay stubs, W2s, and tax filings), and mortgage documents.
If you need help with your application, the state Department of Housing has contracted with housing counselors who are available to provide assistance to homeowners having difficulties with technology or who require special assistance. Or you can contact a HUD-approved housing counselor through HUD's website.
Once your application is approved, payment will be sent directly to your loan servicer.
This relief is in addition to COVID-19 forbearances for homeowners with federally backed mortgage loans. For most federally backed mortgage loans, the option to get a forbearance will last until the national emergency ends.
Even if your loan isn't federally backed, your servicer might offer a forbearance or another form of relief, like a waiver of late fees or a loan modification, if the COVID crisis has financially impacted you.
Effective date: December 13, 2021