When Deborah Torzone saw the Arizona Department of Housing was launching a mortgage assistance program late last year, she thought she finally had found reprieve from her pandemic employment struggles.

Torzone applied for about $20,000 in mortgage assistance on Nov. 5, days after the application portal opened. Months passed with no assistance.

Meanwhile, her mortgage lender, Chase Bank, told her it would move to foreclose on her home unless she entered into a 40-year loan modification.

She was only five years away from paying off her loan before the pandemic hit.

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