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  What is CHRA?
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. The organization offers:
  • comprehensive, bi-lingual, one-on-one pre-purchase counseling covering credit review, budget management and assistance in qualifying for a mortgage.

  • down payment/closing cost grants and subsidies funded by various sources, used in conjunction with lending programs designed specifically for lower income home buyers.

  • default/delinquency counseling to help homeowners make the financial adjustments necessary for them to keep their homes.

There will always be first time home buyers -- young people starting out, older people on fixed incomes, and families with low-to-moderate incomes. Many of these households could qualify for a mortgage 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 Origins, Scope and Funding

CHRA was incorporated as a Community Housing Resource Board (CHRB) in 1988. CHRBs were an outgrowth of the Department of Housing and Urban Development (HUD) to promote fair housing and equal housing opportunity. HUD dropped its sponsorship of CHRBs in 1996, but the Phoenix organization continued to serve home buyers and changed its name to Community Housing Resources of Arizona to better reflect its scope. CHRA's service territory is state-wide though the majority of clients live in and around Maricopa County.

Key funding sources include government programs, banks, contracts with private entities, foundations and other non-profit organizations.

Community Housing Resources of Arizona provides accessibility, participation, services and employment for all eligible persons regardless of race, color, religion, sex, handicap, familial status or national origin