The Homeowner Affordability and Stability Plan (HASP) announced last year by the Obama Administration that will provide relief for many Arizona families at risk of foreclosure. The details and guidelines can be found at FinancialStability.gov.

Borrowers can get basic information about eligibility through the self-assessment tools provided at, MakingHomeAffordable.gov, and also by reviewing Questions & Answers (en español) designed to help homeowners determine if they might be eligible for modification assistance.

Borrowers who are delinquent and have not yet been in contact with their lender should call their servicer or a HUD-approved housing counselor immediately. There is no fee to borrowers for assistance. The list of Arizona counseling agencies can be found at www.hud.gov. Homeowners should beware of any organization that attempts to charge a fee for housing counseling or modification of a delinquent loan.

In addition, you should be cautious before you agree to any proposal that promises to save you from foreclosure because often times these proposals result in the loss of your equity as well as your home.

If you believe you are a victim of a mortgage rescue scam or a consumer fraud, file a complaint with the Attorney General’s office or call Consumer Information and Complaints Unit at 602.542.5763 (Phoenix); 520.628.6504 (Tucson) and (toll free in State Arizona, outside Maricopa and Pima Counties) 800.352.8431.