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Arkansas · Get help now

Free foreclosure help in Arkansas

In Arkansas the first call depends on what you have received so far. Housing counselors and your servicer handle workouts, legal aid and private lawyers handle anything that needs a court filing, and the state's regulators take complaints. Because a statutory foreclosure has no judge, getting legal help before the sale date matters more here than in most states.

Free HUD counselor: (800) 569-4287

Reviewed against Arkansas law and official sources on October 11, 2026. General information, not legal advice.

Ask for help in Arkansas

Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.

For example: a sale date, what your servicer has told you, or what changed in your income. Please do not include your loan number, Social Security number or bank details.

Free, and there is nothing to buy. A person reads your message and replies by email, or by phone if you leave a number. We never ask for a fee and we do not sell your details. See the privacy policy.

Who to call first, by situation

  • You are not behind yet but a payment is at risk

    Now

    Call your servicer and ask what options it has before you miss a payment. The Arkansas Attorney General: Foreclosure page explains what to ask for and reminds you to get any offer in writing.

  • You are behind but have no notice

    Within days

    Contact a HUD-approved housing counselor, whose help is free, and ask your servicer about loan modification and forbearance. Read Arkansas Law Help: Foreclosure for a plain explanation of loss mitigation options in Arkansas.

  • You received the pre-foreclosure packet or a notice of default and intention to sell

    The same week

    Apply to Legal Aid of Arkansas at 1-800-952-9243 or through its online application. If you do not qualify, use the Arkansas Bar Association: Arkansas Find A Lawyer directory. Defenses must be raised in court before the sale.

  • You were served with a foreclosure lawsuit

    Well inside the 30 days to answer

    Contact Legal Aid of Arkansas or a private attorney right away. The Arkansas Judiciary: Self-Help Resources page lists legal assistance links, but it has no foreclosure forms.

  • A sale date is set

    Today

    Call the trustee or attorney named in the notice to confirm the date and ask for the reinstatement amount. Call your servicer about a postponement, and call Legal Aid of Arkansas or a licensed attorney about your options before the sale.

  • Your servicer is not following the rules

    As soon as it happens

    File a complaint with the Arkansas Securities Department, which licenses mortgage companies and loan officers, at (800) 981-4429 or through its online form. You can also use Arkansas Attorney General: File a Complaint. A complaint does not stop a sale.

  • A company offers to save your home for a fee

    Before you sign or pay

    The Arkansas Attorney General says collecting a fee before providing full services violates Arkansas law in most cases. Ask the Arkansas Securities Department about the company and never sign your deed over to anyone who promises to save the home.

Official and nonprofit help in Arkansas

None of these charge homeowners for foreclosure help.

Arkansas Homeowner Assistance Fund (HAF)

Closed. The program's website says the Arkansas Homeowner Assistance Program is closed, all financial assistance has been paid out and the application portal is permanently closed. The U.S. Treasury also reports that the Homeowner Assistance Fund period ended on September 30, 2026. The program site says free housing counseling is still available to homeowners who applied for or received help, at 888-989-0964. We did not find another state-run mortgage assistance program that is open today.

Check the program’s current status

Common questions in Arkansas

Is the Arkansas Homeowner Assistance Fund still taking applications?

No. The program's site says the Arkansas Homeowner Assistance Program is closed and the application portal is permanently closed. It lists 888-989-0964 for free housing counseling for homeowners who applied for or received help.

Where can I get free legal help with foreclosure in Arkansas?

Legal Aid of Arkansas takes applications at 1-800-952-9243 and online for people who meet its eligibility guidelines. Arkansas Law Help has a free foreclosure guide that was last updated in September 2026.

Who regulates mortgage companies in Arkansas?

The Arkansas Securities Department licenses mortgage loan activity under the Arkansas Fair Mortgage Lending Act and takes complaints against mortgage companies and loan officers. The Attorney General also tells homeowners to call the department with questions about foreclosure rescue companies.

Step by step

More on foreclosure in Arkansas

Understand the process

What is happening and how much time there is.

Weigh your options

What can stop it, and what happens if it goes ahead.

Get help now

Who to call, and what to do when a sale is scheduled.

Back to the Arkansas overview

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Sources for this page

  1. Ark. Code § 18-60-304 (FindLaw copy, current as of March 28, 2024)
  2. Ark. Code § 18-60-307 (FindLaw copy)
  3. Ark. Code § 18-50-111 (FindLaw copy)
  4. Legal Aid of Arkansas: Apply for Legal Aid
  5. Arkansas Securities Department: File A Complaint
  6. Ark. Code § 18-50-103 (FindLaw copy, current as of March 28, 2024)
  7. Ark. Code § 18-50-104 (FindLaw copy)
  8. Ark. Code § 18-50-105 (FindLaw copy)
  9. Ark. Code § 18-50-107 (FindLaw copy)
  10. Ark. Code § 18-50-108 (FindLaw copy)
  11. Ark. Code § 18-50-109 (FindLaw copy)
  12. Ark. Code § 18-50-112 (FindLaw copy)
  13. Ark. Code § 18-50-114 (FindLaw copy)
  14. Ark. Code § 18-50-116 (FindLaw copy)
  15. Ark. Code § 18-50-117 (FindLaw copy)
  16. Ark. Code § 18-49-103 (FindLaw copy)
  17. Ark. Code § 18-49-105 (FindLaw copy)
  18. Ark. Code § 18-49-106 (FindLaw copy)
  19. Arkansas General Assembly: Act 306 of 2025 (HB1238), adding Ark. Code § 18-50-118
  20. Arkansas General Assembly: Code Sections Amended, Title 18, 2025 Regular Session
  21. Arkansas Law Help (Legal Aid of Arkansas): Foreclosure, last updated September 28, 2026
  22. Arkansas Attorney General: Foreclosure
  23. Arkansas Attorney General: Foreclosure Rescue and Loan Modification Scams
  24. Arkansas Homeowner Assistance Fund (program site, administered by ADFA)
  25. U.S. Department of the Treasury: Homeowner Assistance Fund
  26. Arkansas Securities Department: Mortgage Loans