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    Arizona Civil Legal Needs Community Survey

    Civil legal organizations in Arizona are seeking your input to increase their ability to meet the civil legal needs of Arizona's lower income residents. Please complete this survey to assist in improving civil legal services in Arizona.
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    Encuesta de Necesidades Legales Civiles de Arizona

    Las organizaciones legales civiles en Arizona buscan su opinión para aumentar su capacidad de satisfacer las necesidades legales civiles de los residentes de bajos ingresos de Arizona. Por favor complete esta encuesta para ayudar a mejorar los servicios legales civiles en Arizona.
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    Loans and Contracts

    2. Home
    3. Money and Debt
    4. Loans and Contracts
    Dictionary

    Legal Write-Ups

    The Servicemembers Civil Relief Act

    Summary of SCRA's key provisions and how service members may exercise their rights under the law.

    SCRA Cell Phone Contracts

    Understand how to terminate cell phone contract without any penalties, for active service members.

    SCRA Auto Lease Termination

    Discover how to terminate an auto lease without any penalties, for active service members.

    6% Interest Rate Cap for Service Members

    Learn how to lower interest rates on debt collected prior to military service.

    The Ins and Outs of VA Home Loans

    Comprehensive breakdown of different types of VA loans, how they may benefit service members, and the rules that apply to each loan.

    What is a Certificate of Eligibility?

    Learn why a Certificate of Eligibility (COE) is needed to apply for a VA Home Loan and how to apply.  

    VA Purchase Loans

    Purchase Loans help you purchase a home at a competitive interest rate often without requiring a down payment or private mortgage insurance.  Learn how service members can get this VA Home Loan. 
     

    Native American Direct Loan Program

    U. S. Department of Veterans’ Affairs direct loan program for eligible Native American service members who want to buy or build a home on federal trust lands.
     

    VA Interest Rate Reduction Refinance Loan

    An Interest Rate Reduction Refinance Loan (IRRRL) may let service members replace their current VA Home Loan with a new one with different terms.  

    VA Cash-Out Refinance Loan

    A Cash-Out Refinance Loan may let service members replace their current loan with a new one with different terms.   

    Deficiency on VA Home Loans

    Comprehend what deficiency is and how service members in Arizona are advised to proceed during foreclosure with a VA home loan.
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    Find Legal Help

    Understanding Military Legal Assistance and Civil Matters
    Many civil legal matters can be handled by a military legal assistance attorney at no cost to service members, find out how.
    Go to the webpage: AmericanBar.org
    Documents

    Documents

    Servicemembers Civil Relief Act Infographic

    The SCRA eases financial buderns for those serving on active duty by postponing, suspending, or lessening certain financial oblications.
    Visit: Finred.usalearning.gov
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    Helpful Online Resources

    VA Home Loan Types

    Learn more about the different programs, and find out if you can get a Certificate of Eligibility for a loan.
    Visit: VA.gov

    VA Loans

    General overview of VA loans with additional resources to other components that discuss getting a loan with the VA.
    Visit: Military.com
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    Videos

    Overview of VA Home Loans and How to Apply

    VA Home Loans: Applying, Refinancing, Credit Scores, Cash Out, & More

    Native American Direct Loan Program for Veterans