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), and/or reduction of negative equity (amount owned on a mortgage that exceeds the current market value of the property). Your lender must agree to participate, since mortgage assistance is provided directly to lenders on the homeowner’s behalf.
For additional program information read the Program Fact Sheet and Program Application Process Details.
To see if you might be eligible for assistance through the SOHAZ Program or to begin an application for assistance click on the Self Assessment and Online Applications quick link on the right.
If you wish to speak to a free Housing Counselor, dial toll-free 1-877-448-1211. Other SOHAZ Program questions may be directed to the Arizona Department of Housing, Monday through Friday, from 8:00 a.m. – 5:00 p.m. by dialing (602) 771-1000. Information on other eviction and foreclosure programs in Arizona is available here.
For those interested in tracking assistance provided through the Hardest Hit Fund, reports may be accessed on the Hardest Hit Fund page.
|In addition to other eligibility criteria, all assisted homeowners must be a borrower (i.e., a person obligated to repay the loan) on the loan secured by the mortgage to be assisted.|