Listings for Financial / Mortgage Counseling

Financial

Finances impact every part of our lives. As we age, finances can be strained by a fixed income, familial obligations, changes in the economy, and more. Resources, both public and private, in the community can help you to navigate your personal financial situations.

Mortgage Counseling

Often when taking a new mortgage or acquiring a reverse mortgage, you will have to go through mortgage counseling. Sometimes this is required by the Federal Housing Administration (FHA) or your lender. Counseling sessions typically take between 60-90 minutes. When you call to make an appointment with a mortgage counselor, you will be asked to provide certain information such as your age and your gross monthly income, in addition to other questions related to your financial situation.

See the glossary for descriptions of all categories


Administration of Resources and Choices (ARC)

Home Owner Assistance Fund, Home Buyer Program and Reverse Mortgage

1625 N. Alvernon, Ste 101
Tucson, AZ 85712

(520) 623-9383

Fax: (520) 623-9577

Email: info@arc-az.org

https://www.arc-az.org

  • Low Income

description
The Homeowner Assistance Fund (HAF):
Helps eligible individuals and families who have experienced financial difficulties from COVID-19 (since January 2020) pay mortgage delinquencies and balances due, past due utilities, unpaid homeowners’ insurance, and taxes.

Home Buyer Programs:
Affordable lending now makes it possible for more individuals and families to consider homeownership than ever. ARC’s certified Housing Counseling professionals use a Home Buyer Readiness Survey to create individual plans that can help you achieve successful homeownership.

You can expect to receive the following benefits upon completion of ARC’s “Home Buying and Pre-Purchase Services” program:

Education and Counseling
Eligibility Review for Down Payment Assistance
Home Purchase Budget Preparation
Credit Score Review and Credit Counseling
Home Buyer Education Class Certification
Evaluation of Various Lending Programs
Mortgage Readiness Review
How much home is right for you?
Know your borrowing potential
Review lender opportunities

Reverse Mortgage Counseling:
Let ARC’s professional counselors help you determine if a Reverse Mortgage is right for you. The initial consultation is free. You must be 62 years or older to apply.

A Reverse Mortgage Can…
Create a tax-free income stream for life
Provide security to age in place
Eliminate loan payments during your lifetime
Call us for an appointment: (520) 301-5126

business hours
Monday - Thursday 9am-5pm; Friday 9am-4pm

costs
Frees for credit reports and reverse mortgage program, Please call for details.

Catholic Community Services - Pio Decimo Center

Tax Services

140 W. Speedway Blvd., Ste 230
Tucson, AZ 85705

(520) 622-2801

Fax: (520) 388-9172

Email: annab@ccs-soaz.org

https://www.ccs-soaz.org/services/detail/tax-services

  • Low Income
  • Spanish Services

description
Catholic Community Services - Pio Decimo Center provides volunteer income tax assistance to low-income older adults. Pio Decimo is a HUD-approved housing counseling agency that offers mortgage counseling, including pre-purchase and default resolution. We also offer Services for older refugees through the SORP program, which supports obtaining citizenship for refugees 65 and older.

service area
Tucson

business hours
M - F 8:00 AM - 5:00 PM

Family Housing Resources, Inc.

3505 N. Campbell Avd., Ste 501
Tucson, AZ 85719

(520) 318-0993 ext: 109

Fax: (520) 323-3788

Email: info@fhrinc.net

http://fhrtucson.org

  • Low Income
  • Spanish Services

description
Family Housing Resources (FHR) is a HUD-certified counseling agency. FHR assists low to moderate-income individuals and families with housing resources and information, including financial management and budget counseling, pre-purchase counseling, pre-purchase home buyer education workshops, and predatory lending education.
FHR also manages six rental properties for low to moderate-income households and may have units depending on availability. One of the properties that FHR manages is a senior living community for low-income seniors, Silverwood Casitas. There is currently a 2-year waitlist and no availability at this property.

business hours
M - F 8:00 AM - 4:00 PM

Money Management International

2401 W. Peoria Ave., Ste 120
Phoenix, AZ 85029

(602) 246-4520

https://www.moneymanagement.org/locations/arizona/phoenix

description
Money Management International provides credit counseling, debt management plans, foreclosure counseling, homebuyer counseling, credit report reviews, reverse mortgage counseling, bankruptcy counseling, and representative payee services to consumers struggling with debt, budgeting, housing, and student loan concerns. Services are available by phone, online, and face-to-face. Counseling is available by telephone 24/7, so no matter where you live or what time of day it may be, when you’re ready to speak with a counselor, we’re here to help - 866-550-8004.

business hours
Tues–Thurs 9:00AM –3:00PM by Appointment

Pima County Community Land Trust (PCCLT)

17 N. Linda Ave.
Tucson, AZ 85745-2960

(520) 603-0587 ext: 121

Email: Maggie@pcclt.org

https://www.pcclt.org

  • Spanish Services

description
Pima County Community Land Trust (PCCLT) is committed to developing permanently affordable housing, promoting community revitalization, and providing programs and services that help low-moderate income families achieve, preserve, and sustain housing.
As a HUD-approved housing counseling agency, we provide pre-purchase, homeowner and renter individual counseling services to identify obstacles and create an action plan to overcome them and include a review of finances (income/expenses), preparing a budget, and reviewing credit. We host education workshops that focus on financial management, homebuyer education, and homeowner advocacy. PCCLT manages a pipeline of permanently affordable homes available for sale and rent.
We offer down payment assistance to purchase a home and have monetary assistance for those experiencing hardship.

Due to the ongoing COVID-19 crisis, we are not currently scheduling in-person appointments or accepting walk-ins.
However, we are scheduling all of our services via phone or videoconferencing and will gladly make accommodations as needed. Contact us by phone or email. All messages are returned promptly.



business hours
M - Th 9:30 AM - 5:30 PM, F - Su Closed

Southwest Fair Housing Council

2130 S Cerro Dr
Tucson, AZ 85713

(520) 798-1568 ext: 3

Fax: (520) 620-6796

Email: Cheri@swfhc.com

http://swfhc.com/

  • Spanish Services

description
Our vision is to eliminate all forms of illegal discrimination related to housing. We do this through education (free classes) and enforcement. We offer free help to everyone who is experiencing unlawful housing discrimination. The Southwest Fair Housing Council (SWFHC) was established in 1986. We are a non-profit 501c3 fair housing organization based in Tucson, Arizona, which provides services throughout Arizona. SWFHC advocates for and facilitates the enforcement of the Federal and State Fair Housing Acts in addition to the Non-discriminatory Ordinances of different Arizonan municipalities. Free, remote classes are offered online so everyone can learn about their rights and responsibilities in fair housing. Questions such as can I have my emotional support animal, a monkey, in my apartment? Can they have a policy that states we don't rent to any felons? These and many more get answered in our free online, real-time classes.

service area
Tucson

business hours
M - F 8:00 AM - 5:00 PM

costs
0 Free We are a grant-funded organization

The Primavera Foundation., Inc.

Homeownership Program and Financial Capability

151 W. 40th St.
Tucson , AZ 85713

(520) 882-5383 ext: 135

Email: education@primavera.org

https://www.primavera.org/

  • Low Income
  • Spanish Services

description
The Primavera Foundation., Inc. is a HUD-approved housing counseling agency that offers mortgage counseling, including pre-purchase.

service area
Tucson

business hours
M - F 9:00 AM - 5:00 PM

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