Supporting Housing Needs in 2020

We are so grateful to those corporate businesses that are stepping up during this unprecedented time and would like to recognize and show our utmost gratitude for Wells Fargo whose funding support has allowed us to pivot our work and focus on the most pressing needs of our community. Thank you, Wells Fargo, from our entire team and the larger community that we serve.

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Worried about your Mortgage?

Many homeowners are experiencing financial hardship during the COVID-19 pandemic or are worried that they will experience such hardship soon. Here is a comprehensive guide for all you need to know that was issued by the Housing Finance Policy Center of the Urban Institute.  The Guide to Mortgage Solutions During the COVID-19 Pandemic will help homeowners who are worried about making their mortgage payments understand what resources may be available and how to obtain it. 

The Urban Institute is the trusted source for unbiased, authoritative insights that inform consequential choices about the well-being of people and places in the United States. They are a nonprofit research organization that believes decisions shaped by facts, rather than ideology, have the power to improve public policy and practice, strengthen communities, and transform people’s lives for the better.

Mortgage Relief for Homeowners

If you are experiencing a hardship such as job loss, income reduction, or sickness due to COVID-19 and you are no longer able to make your mortgage payment, your mortgage servicer is available to help with mortgage relief options, including:

  • Payment relief through a forbearance plan offers a reduction or suspension of your mortgage payments for up to 12 months, offered in increments of up to six months
  • Late fee relief during your forbearance plan period
  • Repayment options following your forbearance, including a repayment plan to catch up gradually or a permanent loan modification that aims to maintain or reduce your monthly payment

Additionally, foreclosure and eviction relief may be available through the federal CARES Act signed into law on Friday, March 27, 2020.

Contact Your Mortgage Servicer: If you’re concerned about your mortgage payments, take the first step and call your mortgage servicer—that’s the company listed on your monthly statement— to request help. Have your financial information handy when you call and note that many servicers are experiencing increased call volumes and hold times due to COVID-19.


Notice of Continued Operations

Hello valued client. We hope you are doing well and staying safe during these difficult times. Although many businesses have had to close temporarily due to the Covid-19 pandemic, we continue to offer services to the community. You can continue to contact the main office phone number at 520-318-0993 or send an email to for any questions or other inquiries. Voicemail and email messages will be checked and returned regularly. 

Due to recent social distancing guidelines instituted by the CDC and the state of Arizona, FHR’s in-person Homebuyer Education Workshop has been suspended. Fortunately, we can offer the Homebuyer Education Workshop online at a discounted price for FHR’s clients. This online workshop, through eHome America, meets the same requirements for Down Payment Assistance that FHR’s in-person workshop provides. FHR’s in-person Homebuyer Education Workshop will return once it has been deemed safe to do so. Housing counseling appointments are also be conducted telephonically until further notice. Submission of documents can be completed electronically on FHR’s Client Portal on or via email. Thank you very much for your support and patience while we adjust to changes in operations to ensure the safety of our clients!