Arizona Affordable Housing
Home ownership stabilizes families and neighborhoods
The past few years have held many challenges for the citizens of Arizona. The state’s economy continues to struggle as the rising unemployment rate and significant depreciation in home values continues to exacerbate the foreclosure problem in Arizona. Current economic conditions have put more individuals and families into distress than at any other time in recent history, requiring Arizona to serve a growing population with ever-dwindling resource. Families and individuals are struggling to survive during this very difficult economic time, and to ensure services are available for low-income families on an ongoing basis, leaders have an opportunity to demonstrate their innovation and collaboration. Home ownership stabilizes families and neighborhoods, is a source of personal pride and self-worth, and increases and focuses a family's emotional investment in the surrounding community. A smart community supports its residents in all their economic diversity and insures the availability of decent, affordable housing throughout the community to perpetuate the ongoing individual and community benefits stemming from home ownership.
Mortgage lending standards are holding back homebuyer demand
As in past downturns, renewed job growth and stronger consumer confidence are needed to spark the housing recovery. However, unemployment rates are still high and confidence remains relatively low. In addition, the persistent decline in home prices, the ongoing foreclosure crisis, the large shares of underwater homeowners, and tight lending standards are all holding back homebuyer demand. With an unusually large number of households leaving homeownership and a small number of renter households buying homes, the national homeownership rate has dipped to levels not seen in a decade.
First-time buyers are key to a strong recovery in the homeowner market. The potential for first-timers to drive growth is clear from the lift in both home sales and prices that came with the expiration of the tax credit programs in 2009 and 2010. While many households aspire to homeownership, underwriting standards may stand in their way. Low downpayment loans, a common means of entry for many moderate-income homebuyers, are largely unavailable outside of FHA-insured mortgage programs. The combination of higher income, downpayment, and credit score requirements in today’s broader mortgage market will prevent many borrowers from getting the loans today that they would have qualified for in the 1990s before the housing boom and bust. While a return to more stringent standards is clearly warranted, there is concern that overly rigid guidelines may restrict access of low- and moderate-income households to the benefits of homeownership. Read more
- Arizona Department of Housing
- Arizona Community Action Association
- Smart Growth America
- National Housing Trust
- Arizona Volunteers of America
- Arizona USDA Rural Development
- Habitat for Humanity of Arizona
- American Recovery & Reinvestment
- Arizona Housing Association
- Arizona Housing Authorities
- Housing and Urban Development
- FHLBank Community Programs
- Community Housing Resources of Arizona
- Making Home Affordable Program
- Arizona Housing Alliance
- Stardust Center for Affordable Homes
- Sustainable Cities Collective
- Arizona Rental Housing Search
- National Rural Housing Coalition
Providing housing and community revitalization to benefit the people of Arizona
In an effort to allow for greater coordination and innovation of housing related services at the state level, the Legislature established the Arizona Department of Housing (ADOH) and the Arizona Housing Finance Authority (AZHFA). These two entities were established so that state government in Arizona could assist in developing the tools to impact an area of growing concern for the state, an issue that impacts the lives of all Arizonans—homes for working families.
Through ADOH the Arizona Home Foreclosure Prevention Funding Corporation provides unemployment, underemployment and reinstatement mortgage payment assistance as well as short sale assistance in addition to principal reduction assistance to qualified Arizona homeowners.
Special Needs Help
“ADOH serves as the lead agency for the homeless and community planning Continuum of Care...”
“Save Our Home AZ offers AZ homeowners assistance with two foreclosure prevention programs...”
Helping people & changing lives
Arizona Community Action Association unites communities to end poverty through community based initiatives and solutions. The Arizona Community Action Association is a 501 (c)(3) non-profit agency created in 1967 to address poverty across Arizona. Through a collaboration of nearly 300 organizations and individuals, ACAA develops and implements strategies to address and ultimately eliminate poverty.
ACAA advocates for the promotion and protection of services, programs, and policies which promote the well-being and self-sufficiency of all Arizonans. ACAA works collaboratively with our partners statewide to promote fair and affordable energy costs, access to emergency assistance, asset development, food security and affordable housing.
“Promoting economic self sufficiency for low-income people in Arizona through collaborations...”
“Engaging in research and education related to developing solutions to poverty in Arizona...”
Making communities work for everyone
Smart Growth America (SGA) works with communities to help them use land strategically, make the most of existing resources and invest strategically to catalyze private development. SGA is dedicated to providing best practices to local leaders in urban, suburban and rural communities working to create housing and transportation choices near jobs, shops and schools. SGA provides the resources to refine and implement local priorities with smart growth strategies.
Technical assistance has been made possible by a grant from the U.S. Environmental Protection Agency. The grant will be used to provide assistance to communities across the nation on how to develop local solutions to help their communities grow in ways that benefit families and businesses while protecting the environment and preserving a sense of place.
“Targeted assistance to communities that face common development problems in Arizona...”
“Providing the resources to refine and implement local priorities in Arizona with smart growth strategies...”
Preserving and improving affordable housing to strengthen communities
The National Housing Trust preserves and revitalizes affordable apartments to better the quality of life for the families and elderly who live there. Saving affordable housing is the essential first step in solving our nation’s housing dilemma. The National Housing Trust is the only national nonprofit engaged in housing preservation through public policy advocacy, real estate development, and lending.
The National Housing Trust advances federal, state, and local policies that create equitable and sustainable communities by safeguarding our nation's affordable homes. Partnering with investors to raise the capital necessary to buy and renovate affordable apartments that are deteriorating or at risk of being converted to market rate the National Housing Trust
“Dedicated to sustainable development that reduces energy use and creates a healthier environment...”
“Helping federal, state, and local policy leaders incorporate green incentives into housing programs...”
Over 30 service programs run by Volunteers of America help low-income families
Volunteers of America Arizona (VOA) Branch offers affordable housing for seniors, individuals with disabilities, and families aspiring to own their own home. VOA has an array of affordable housing options to assist in matching applicants with apartment homes. The apartments offer various subsidy programs, meaning the rent paid by the resident is subsidized either through federally funded project based Section 8, or the tax credit program or in partnership with United Way.
In addition to housing options, VOA offers programs and support services at their housing facilities. VOA has a strong Service Coordination program which matches residents' needs with services available in the community; computer centers at many apartment buildings, meal programs, transportation programs, social activities and several commodities programs.
Campus of Care
“Volunteers of America will continue to prove that there are no limits to caring for people in Arizona...”
“Providing local human service programs and opportunities for individual & community involvement...”
Financial and technical assistance to rural individuals, families, communities, and businesses
The USDA Rural Development mission goal is to provide or partner with others in providing the financial and technical resources to assist Arizona private citizens, small businesses, nonprofit organizations, communities, cities and counties in assuring that each rural community has what it takes to improve the quality of life and be successful.
The overall mission of USDA Rural Development is to improve the quality of life for rural Americans. Working closely with profit and non-profit sectors, along with state, tribal, and local governments, USDA Rural Development changes the way in which the Federal government does business. Ensuring rural citizens can participate fully in the global economy and by providing assistance programs to rural Americans for a stronger economy to be built and improving the quality of life for all.
Helping Rural Communities
“Grants are available to qualified organizations to develop programs to assist low-income rural areas...”
“Program assistance is provided in many ways, including guaranteed loans, grants and education...”
Working with Arizona families, sponsors and communities to build affordable, green, quality homes
Founded in 1976 by Millard and Linda Fuller, Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry dedicated to eliminating substandard housing and homelessness worldwide and to making adequate, affordable shelter a matter of conscience and action. Habitat has built and renovated over 200,000 houses worldwide since 1976.
Habitat for Humanity’s work is accomplished at the community level by Arizona affiliates — independent, locally run, nonprofit organizations. Each Habitat affiliate coordinates all aspects of home building in its local area — fund raising, building site selection, partner family selection and support, house construction, and mortgage servicing. Habitat for Humanity works in partnership with people in need to build and renovate decent, affordable housing.
Strong Housing Values
“Through home sponsors, donations, and volunteer time, building affordable homes in Arizona...”
First Time Ownership
“Building better lives with affordable housing help for low-income individuals in local communities...”
Expanding online government operational procedures at the state level
In February of 2009, President Obama and the U.S. Congress signed the American Recovery and Reinvestment Act to jumpstart the economy, save and create jobs, provide a helping hand to people affected by the recession, stabilize state and local budgets, and make investments that will provide long-term economic benefits.
While the funds won't solve all of the challenges facing Arizona and the nation, they are critical to getting Arizona back on track. The funds will help rebuild our infrastructure, grow the economy, stabilize the budget and get Arizonan’s back to work. The Recovery Act is designed to stimulate the economy through measures that, among other things, create jobs, preserve and improve access to affordable health care, and protect those in greatest need.
“Providing transparency of ARRA funds by listing the appropriation of earmarked funds in detail...”
“Arizona’s goal is to maximize stimulus dollars in order to strengthen the economy and create more jobs...”
Manufactured home news, legislative representation, education and networking
The Arizona Housing Association (AHA) strives to make manufactured housing a standard way of life in Arizona. AHA’s Mission is to help people experience the lifestyle associated with home ownership in the most economical way. Manufactured homes exist to provide comfort, safety and convenience in the most economical and desirable way.
AHA works to promote fair laws and regulations, increase and improve financing options, promote a positive image of manufactured housing, provide technical analysis and counsel, and remove zoning barriers to the use of manufactured housing. Through these various programs and activities, AHA promotes the use of manufactured housing so that more Arizonan’s will be able to realize their dream of homeownership.
Built For Living
“Manufactured homes are built inside a controlled factory environment for quality assurance...”
“As housing costs climb, home ownership is simply beyond the financial reach of a growing number...”
Community property and housing programs for low and moderate income residents
Arizona housing programs are designed to create solutions to abandoned, substandard and unaffordable housing by assisting in the development of housing for low and moderate income individuals and families. These home programs are formed to assist in creating and maintaining affordable housing grants, funds for affordable housing assistance and promoting economic opportunity with for Arizona homeowners and home buyers.
Housing programs provide quality, affordable housing opportunities and promote independence for lower income families, elderly and persons with disabilities. Community downpayment assistance funds are provided to low and moderate income residents to provide annual grants on a formula basis to entitlement cities and counties to assist in developing communities.
“Rehabilitation of residential and non-residential structures, construction of public facilities and...”
“Partnering with local organizations and individuals to advocate for positive housing change...”
Arizona Department of Housing and Urban Development - HUD
HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination. HUD offers many government assisted programs and resources for Arizona homebuyers and renters.
HUD awards grants to local organizations and groups for a variety of purposes. Working with local nonprofit organizations to invest in their communities through property rehabilitation and resell to first time home buyers and low to moderate income families. HUD programs have helped millions of people from being homeless by supporting local communities initiatives.
Making Homes Affordable
“Tackling the economic, financial, and community development issues of the current environment...”
“Transparency, participation, and collaboration that form Arizona’s affordable low-income housing...”
Federal Home Loan Bank System cooperative bank that offers low-cost banking services
The Federal Home Loan Bank System provides a stable source of funding to federally insured depository institutions. 12 regional banks in the Federal Home Loan Bank System, which raises funds in the global financial markets and distributes the proceeds to members and local communities. Each year 10 percent of annual net income is set aside to provide funding for affordable housing development and down payments and closing costs for eligible homebuyers purchasing a home.
Serving the needs throughout Arizona, including the homeless, first-time homebuyers, elderly, low-income persons with HIV/AIDS and families making home repairs. The benefits of FHLB extend beyond providing a home for low-income families – the programs ensure affordable housing for future generations, creates jobs and stimulates economic growth.
Making a Difference
FHLBANK San Francisco
“Serving the housing needs of communities by providing community development initiatives locally...”
Low Cost Financing
“Affordable home loans and economic development credit to local communities and neighborhoods...”
Helping low-to-moderate income families purchase their first home
Community Housing Resources of Arizona (CHRA) is a Phoenix-based, 501(c)(3) non-profit organization created to help low-to-moderate income families purchase their first home. CHRA also promotes fair housing and equal housing opportunities by educating families about the advantages and responsibilities of home ownership.
Many Arizona households could qualify for a mortgage today but don't apply because they're unaware of particular programs, or simply assume their applications will be denied. CHRA links these families with appropriate financial programs to make their dreams of home ownership a reality. CHRA’s service territory is state-wide though the majority of clients live in and around Maricopa County.
“CHRA offers counseling to help existing homeowners make the financial adjustments necessary...”
“Downpayment and closing cost grants for mortgage programs designed for low income home buyers...”
Stabilizing the housing market and helping struggling homeowners get relief
In February 2009, the Obama Administration introduced a comprehensive Financial Stability Plan to address the key problems at the heart of the current crisis to get our economy back on track. A critical piece of that effort is Making Home Affordable, a plan to stabilize the housing market and help struggling homeowners get relief and avoid foreclosure.
Arizona homeowners can connect with free HUD-approved counseling organizations, locate free events in their area, find the application documents necessary to apply for the Making Home Affordable Program, as well as find answers to frequently asked questions and much more. The Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable.
Help for Homeowners
“Providing eligible home owners the opportunity to modify their mortgages to make them affordable...”
“Provides opportunities for homeowners who can no longer afford to stay in their home but want to avoid...”
Supporting and advocating for quality housing that Arizonans can afford
The Arizona Housing Alliance is a statewide coalition whose members come from all over the state and include developers, lenders, investors, non-profit agencies, government entities, housing authorities, academia and individuals who care about safe, decent, affordable housing for all Arizonans.
The Alliance engages in activities to support and advocate for quality housing that Arizonans can afford. Emphasis is concentrated on homeownership and the marginalization of renters and renter households. The Alliance conducts activities throughout the year to carry out its mission through education, advocacy and cooperative partnerships. Using state of the art technology, the Alliance is a one-stop shop for information, news, and training.
“Reducing unnecessary foreclosures; and supporting permanent supportive housing...”
“Shared equity ownership can help families avoid foreclosure and losses from declining home values...”
Research, educational outreach, advocacy and design innovation
The Stardust Center for Affordable Homes & the Family opened its doors at the ASU Downtown Campus in January 2005. Through research, educational outreach, advocacy and design innovation, the ASU Stardust Center for Affordable Homes and the Family supports organizations, neighborhoods, and professionals in their efforts to improve the growth of quality affordable homes and sustainable communities.
The ASU Stardust Center for Affordable Homes and the Family works with many organizations in Arizona to increase the development of quality affordable housing, drives research projects, and launches the design and building of innovative and environmentally sustainable ("green") prototype affordable homes that can be easily replicated by builders.
Making A Difference
“Well-designed affordable housing is fundamental to the sustainability of every city and community...”
“Affordability covers a range of household incomes, demographic and cultural conditions in Arizona...”
The worlds best thinks on the urban future
Sustainable Cities Collective is an editorially independent, moderated community for leaders of major metropolitan areas, urban planning and sustainability professionals. Content and resources are for all who work in or are interested in urban planning, sustainable development and urban economics. Looking at issues such as transportation, building practices, community planning & development, education, water, health and infrastructure, we hope to create a community where people can get involved and learn about the advances in how cities are becoming smarter and greener in the 21st century.
The Sustainable Cities Collective is published by Social Media Today LLC. and is sponsored by by Siemens AG, the worldwide leading supplier of production, transportation, lighting and building technologies.
“Community for leaders of major metropolitan areas, urban planning and professionals...”
“Looking at issues such as transportation, building practices, community planning & development...”
Providing access to Arizona rental housing opportunities
Arizona Housing Search provides information about rental properties. Property owners and managers, including Housing Authorities and private landlords, can use this service to manage their property listings free of charge. Listings can include pictures, maps, and information about nearby amenities. Property owners and housing authorities can register and manage their listings online or via phone and fax.
Arizona Housing Search was developed by SocialServe.com, a nonprofit dedicated to helping people access affordable housing and supportive services by developing solutions that utilize leading-edge technology. Listing Affordable Housing, Rental Housing, Section 8 Housing, Accessible Housing and For Sale Housing.
“Free online locator service to be used by anyone to search and find rental housing in Arizona...”
“Home listings can include pictures, maps, and feature information about nearby local amenities...”
Support for the need for affordable rural housing for the low-income
In 1969 a group of concerned rural community activists, public officials, and non-profit developers formed the National Rural Housing Coalition (NRHC) to fight for better housing and community facilities for low-income rural people. Today, NRHC is still on the job in the nation’s capital promoting and defending the principle that rural people have the right, regardless of income, to a decent place to live or an affordable home, clean drinking water, and basic community services.
National Rural Housing Coalition works to focus policy makers on the needs of rural areas by direct advocacy and by coordinating a network of rural housing advocates around the nation.
An Effective Advocate
“Promote a non-profit delivery system for rural housing and community development programs...”
“Design new programs and improve existing programs to better serve the rural poor communities...”