Foreclosure does not happen overnight. Whether you have missed your house payments or are afraid you will in the future there may be resources available to assist you.
The State of Arizona is actively working to address the complex issues of the foreclosure problem. The City of Scottsdale has compiled a courtesy list of resources that may assist you with a current or potential future foreclosure situation or assist you in the home buying process.
Resource links include information on how to find a HUD approved housing counselor, when and how to contact a lender, mortgage assistance and re-financing programs available and other valuable money saving tips.
- Save Our Home AZ - Arizona's federally funded mortgage and short sale assistance program, for more information and qualification criteria, go to www.azhousing.gov or call 1-877-448-1211.
- Avoiding Foreclosure Scams
- Scottsdale's First Time Homebuyers Program through Newtown Community Development Corporation
- United States Department of Housing and Urban Development (HUD) - The US Department of Housing and Urban Development provides tips and steps to avoid foreclosure and to resolve mortgage difficulties.
- Arizona Governor’s Office Hotline - Call to reach a local Arizona foreclosure counselor, 24 hrs, 7 days a week
- HOPE NOW provides HUD approved housing counselors - The HOPE NOW Homeowner’s Hotline is administered by the Homeownership Preservation Foundation, an independent nonprofit that provides HUD-approved counselors dedicated to helping homeowners.
- Arizona Department of Housing (ADOH) provides homeownership counseling service
- Find your Mortgage Servicer online
- Tips to avoiding foreclosure
- The Department of Commerce - A resource for the community to find help to keep their homes, find jobs and protect their savings
- Freddie Mac - Provides a list of approved lenders and local real estate professionals to assist homebuyers in purchasing homes through HomeSteps
- Freddie Mac - Provides tips on pre and current foreclosure situations and home buying resources
- Fannie Mae - Provides tips on pre and current foreclosure situations and home buying resources
- Tips for refinancing to make your home more affordable
- AZ 211 - Provides resources to the community such as child care, jobs, health care, and insurance
- Arizona Department of Financial Institutions (DFI) investigates foreclosure rescue scams - If you believe you are a victim of a foreclosure rescue scam, you should file a formal written complaint with the Arizona Department of Financial Institutions (DFI).
- Arizona Attorney General - report foreclosure rescue scams and predatory lending - Consumer fraud, as defined by Arizona law, is any deception, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise. If you believe you have been the victim of consumer fraud, you may file a complaint with the Attorney General's Office.
- Arizona Residential Landlord Tenant Act
- Predatory Lending Hotline
- AZ Law Help - Partnership of volunteer lawyers to assist in finding lenders who help homeowners avoid foreclosure, coordinated by the State Bar of Arizona, the Arizona Foundation for Law Related Education and the Arizona Supreme Court
- Better Business Bureau - A resource to check on companies reputations and complaint records before doing business with them