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HOUSING HELP

soulight started this conversation

SOURCES TO GO TO FOR : FREE HELP FIXING YOUR HOME

  • FREE HELP WITH PAYING RENT
  • housing help for the disabled
  • Finding low income housing
  • housing for seniors
  • low income housing support
  •  sources for helping you so that you don't lose your house, if you can't afford the mortgage
  • Learn about HUD housing
 
07/28/09
New information about universal design and accessibility options and plans for those of us with disabilities :
http://www.disability.gov/housing/accessibility_%26_universal_design
 
 
 
 
 
07/07/09
Here are some of the things that you can get help with as a disabled/senior person from the National Home Modification Program : * Please note : I am not sure if this program is for both the disabled and seniors. It may be only for seniors. Please check each program that you find for your state for details.
 

"HOME MODIFICATION refers to converting or adapting the environment to make tasks easier, reduce accidents, and support independent living. Examples of home modification include:

  • Lever door handles that operate easily with a push
  • Handrails on both sides of staircase and outside steps
  • Ramps for accessible entry and exit
  • Walk-in shower
  • Grab bars in the shower, by the toilet, and by the tub
  • Hand-held, flexible shower head
  • Lever-handed faucets that are easy to turn on and off
  • Sliding shelves and lazy susan in corner cabinet
  • C or D ring handles on cabinet doors and drawers for easy gripping"
http://www.usc.edu/dept/gero/nrcshhm/directory/
 
 
 

06/ 22/09 

FOR NON - ELDERLY DISABLED  FAMILIES : VOUCHERS TO GET OUT OF A NURSING HOME INTO YOUR OWN PLACE


The U.S. Department of Housing and Urban Development (HUD) today joined President Obama's commemoration of the 10th anniversary of the Supreme Court's Olmstead decision by announcing rental assistance to 4,000 non-elderly families with disabilities, including 1,000 vouchers specifically targeted to those transitioning out of nursing homes and other care facilities.

This information has recently been updated, and can be read by visiting this link:  http://www.disabilityinfo.gov/digov-public/public/DisplayPage.do?parentFolderId=118

 

 

 01/18/09

Will our new change of government be able to turn the housing situation around for the disabled , single parents , seniors , ethnic minorities and low income households ? We all hope and pray that it will .

There is a huge uphill battle ahead , but things do have to change somehow. With our new government coming up soon , we all need to pray for the people who are so courageous to take the reins with our country in such a state as it is. God Bless Barak Obama and his staff as they bravely fight the fight.Here is a "state of the housing market" as it is right now for many people in our country :

http://news.yahoo.com/s/ap/20090118/ap_on_bi_ge/housing_thirty_eight_percent

 

 

07/14/08

Here is a new source for looking for housing . It looks great ! I hope it works for you.

~    Shelter Listings is a nation-wide community effort made possible by its users.

 

With over 2,900 listings we depend on our visitors and volunteers to build and maintain our database. Our listings include emergency shelters, homeless shelters, day shelters, transitional housing, residential drug and alcohol rehabilitation programs and permanent affordable housing. We're dedicated to helping the homeless and low-income find the shelter they need

http://www.shelterlistings.org/

 

 

01/21/08

 

HERE is a great free downpayment program ! See if you qualify .

Congratulations on taking your first step toward owning your own home!

We'll give you 2% to 10% down payment on your home purchase, depending on your needs.

PIC is a non-profit organization dedicated to helping you become a homeowner. Our mission is to gift down payments to qualified buyers and help the community as a result. PIC provides a down payment with no repayment and no second mortgage or lien of any type. It is a true gift to you! 

http://www.partnersincharity.org/new_site/

 

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MODIFICATION PROGRAMS AND FUNDING FOR THE DIFFERENTLY ABLED

 

Different types of funding programs may be available depending on the type of home modification you need. grants etc for fixing up house/apartment
help you find local hud office where you apply for help for things like roof repair/bathroom remodel (for handicap access etc income must be less then 80% of median income of area.

HOME REPAIR ASSISTANCE

 

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ANOTHER PROGRAM ABOUT THE DISABLED AND HOUSING CHALLENGES

If our government  would provide more  in the way of finances for the disabled ,we wouldn't need this site. Since we do need the site , here it is :

 

OPENING DOORS - A HOUSING INITUATIVE FOR THE DISABILITY COMMUNITY

 

 

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Here are possible places you can look if you need help to pay for needed home modifications:

 

If the work is prescribed by your doctor you may be able to claim a Medical deduction on your Form 1040 income tax return. 

Get contributions/donations/in-kind work from others (family members, Kiwanis Club, Rotary Club, other private foundations or community service groups, churches, sorority/fraternity service organizations or craftsmen's unions).

Under the Technology Related Assistance to Individuals with Disabilities Act of 1988 (Tech Act), many states have programs that offer assistance on evaluating equipment and locating funds.

 Ask your local Center for Independent Living for information on funding and resources that support "independent living in the community".

Funds may be available for home modifications under a Medicaid Home and Community-Based Services Waiver in your state. Contact your county welfare office for Medicaid eligibility.

Call your local Social Security office to see if any of the equipment you need might be covered under Medicare.

If you or your spouse is a veteran, call your local VA to see if funding is available.

Contact your local public housing authority (Office of Community Services, Supportive Services, Section 8, etc.). Ask, "Is there low income assistance available for housing modifications for people with disabilities?"

 

 

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HUD's National Servicing Center (Scroll down for more HUD information )

 

The goal of HUD's National Servicing Center is to help FHA homeowners by working with lenders to find creative solutions to avoid foreclosure. We also provide direction and training to lenders and Housing Counseling agencies, who are then better able to provide assistance to homeowners.

 For assistance call toll-free (888) 297-8685

(http://www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm)

 

 

 

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Neighborhood Assistance Corporation of America


 This is a non-profit housing services and community advocacy organization. Helps with refinancing to avoid foreclosure.

(http://www.naca.com)

 

 

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FOR LOW INCOME , VERY LOW INCOME , AND SENIORS

Rebuilding Together's mission is to preserve and revitalize houses and communities, assuring that low-income homeowners, from the elderly and disabled to families with children, live in warmth, safety, and independence. In partnership with communities, our goal is to make a sustainable impact.

We make this impact through providing necessary repairs free of charge to existing homeowners. These necessary repairs often include home modifications, roofing, plumbing, and electrical repairs and/or improvements - our goal is to provide a warm, safe and dry environment for low-income homeowners , enabling them to live independently and with dignity.

PAGE TO FIND A PROGRAM NEAR YOU

 

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FOR PEOPLE WHO LIVE IN RURAL AREAS : HELP PAYING RENT , HOUSING REPAIR ASSISTANCE AND GRANTS FOR OBTAINING A HOME

http://www.rurdev.usda.gov/rhs/common/indiv_intro.htm

 

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Community Action Agencies 

 often help with housing needs , including weatherization and other housing repairs. Find one near you and see what they offer :

FIND A COMMUNITY ACTION AGENCY NEAR YOU

 

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Weatherization and Weatherization Plus programs

help low income , elderly and disabled with weather proofing your home ,and some programs now include assistance with making you home a safer place to live .

Check out what is avalable in your area by using the map on this page : 

GOVERNMENT WEATHERIZATION PROGRAMS BY STATE

 HOW DO I APPLY FOR WEATHERIZATION ?

 

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This is for RURAL VERY LOW INCOME only.

Please read carefully and go to the page link for complete information .

Applicant Eligibility -for LOANS and GRANTS


Applicants must own and occupy a home in a rural area;

and be a citizen of the United States or reside in the United States after having been legally admitted for permanent residence or on indefinite parole. Loan recipients must have sufficient income to repay the loan. Grant recipients must be 62 years of age or older and be unable to repay a loan for that part of the assistance received as a grant. Applicant's income may not exceed the very low-income limit set forth in RD Instructions.  
 
               
VERY LOW INCOME REPAIR LOANS AND GRANTS

To find a Rural repair loan or grant near you , use the following map :

SEARCH MAP

 

 

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  More low income and very low income housing assistance :

RURAL HOME DOT ORG LINKS BY STATE

 

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HELP WITH PAYING FOR RENT IF YOU ARE NOT ELDERLY , BUT YOU ARE DISABLED

HELP PAYING RENT IF YOU ARE DISABLED

 

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AmeriCares HomeFront

works in certain areas in Connecticut and New York . This includes Fairfield, Hartford and New Haven Counties in Connecticut, as well as Westchester County, NY.

HOW TO GET HELP -HOME OWNERS GUIDELINES.

 

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Looking For  LOW INCOME Housing

 If you are looking for affordable/low income housing , this organization has an idea that  I have not heard of before. It is a good idea , though . Here is their suggestion.


"I am looking for housing that is affordable. Who can help me? As a policy advocacy organization, NLIHC is not able to provide direct assistance to people looking for affordable housing.  However, there are places you can look for help.

Every member of Congress has a staff member whose job it is to assist the people they represent, that is, their constituents with issues such as the ones you are facing. This person should know the local community and how you can best go about finding the services you need.

To find your member of Congress,enter your ZIP code in the "Contact Congress" box below, or on NLIHC's home page. You will see a picture of your Representative, and under his or her picture will be a link that says info.  Click that link to get the phone number of the main district office.  Another link will give you the numbers of additional district offices; call the one that is nearest to you.   Ask for the person who handles constituent services. Explain your situation, and ask for suggestions on how to best access affordable housing in your district.  The constituent caseworker should be able to point you in the right direction or suggest resources in your area. "

Here is the site of the NLIHC , which stands for National Low Income Housing Coalition :

http://www.nlihc.org/template/page.cfm?id=51

 

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Another search for affordable housing , by state housing authority links .

A housing authority generally has two types of assistance available: Section 8 vouchers and affordable apartments.  This is not a complete listing of all that is available in each state , but it is a place to start in your search.

 

http://www.affordablehousingonline.com/housingauthoritysearch.asp

 

 

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Another search for local housing agencies.

 Make sure you find out if you qualify for a "housing choice voucher" which pays for 60% of your rent . 

http://apartments.about.com/gi/dynamic/offsite.htm?zi=1/XJ&sdn=apartments&cdn=homegarden&tm=60&gps=178_506_1276_906&f=10&su=p284.8.150.ip_&tt=2&bt=0&bts=0&zu=http%3A//www.hud.gov/offices/pih/pha/contacts/index.cfm

Go here to find out what a housing choice voucher is :

http://www.hud.gov/offices/pih/programs/hcv/about/fact_

 

 

 

This site by About dot com has great information for finding affordable housing .

It also explains what the different programs are and how to apply for them . Another good page by the people at About dot com.

http://apartments.about.com/od/publichousin1/Affordable_Housing_and_Public_Housing.htm

 

 

 

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If you have HUD housing , or you want to find out about it , here is a page that has links for every state :

http://www.hud.gov/local/index.cfm

 

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More information about finding affordable housing(rental) , by state , county and town/city :

http://www.apartmentsmart.com/

 

 

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INFORMATION ABOUT HUD HOUSING HELP FOR THOSE OF US WHO ARE DISABLED.

(Taken directly from the HUD site , which is in the public domain, as listed here  http://www.hud.gov/assist/webpolicies.cfm ) :

People with Disabilities

 Information by State
 Print version
 

Want More Information?
  Veterans with disabilities
  Healthy Homes and lead hazard control
  Local office directory


Related Information
  Independent living centers
  Federal Relay Service
  Social Security
  Employment rights
  Americans with Disabilities Act
  Disability Info.gov
  Center for Universal Design
  Section508.gov
  United States Access Board
  GovBenefits

Learn about renting, buying and making your home accessible, and about your Fair Housing rights.

Help

  Find a housing counselor near you - free or low-cost counseling services for buying, renting, defaults, foreclosures, credit issues and reverse mortgages.

Renting

  Renting - tips and programs
  Get rental help in your state - find subsidized apartments, public housing agencies and other state and local resources

Buying

  Buying a home - what everyone needs to know about buying a home
  Let FHA loans help you
  Homeownership where you live - find local resources and programs that can help you buy and maintain a home

Home Repair Programs

  FHA's 203k loan - this loan for fixer-uppers can also be used to make improvements for accessibility
  Property improvement loan (Title 1)
  More about home improvement and grant programs
  Local home repair programs

Fair Housing

  Disability rights and resources
  The Fair Housing Act
  Housing discrimination complaints
  Accessibility housing design

The links above don't work , but you can use them as a reference for what is on the page , then click here ! :

http://www.hud.gov/groups/disabilities.cfm

 

 

 

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MORE POSSIBLE ASSISTANCE FOR HOUSING :

 

CATHOLIC CHARITIES

http://www.catholiccharitiesusa.org/NetCommunity/Page.aspx?pid=292&srcid=193

 

 

 

CO-ABODE FOR SINGLE MOMS

The CoAbode Single Mothers House Sharing can be your relief and source of support!

We present you with opportunities so you can:

afford a better house or apartment, within a safer school district

halve the cost of rent and overhead expenses, freeing up much needed resources

lighten the burden of daily chores such as cooking, grocery shopping, laundry, homework, carpooling and child supervisions so that you are less tired and stressed out and better able to provide for your kids and yourself

divorced moms can hang on to the family home by bringing in a mom roommate to help cover expenses

give those in abusive situations support and strength so they can escape knowing there is another mom there to pool resources with and get emotional support

Co-Abode site for more information and oportunities for single moms :

http://www.co-abode.com/howitworks.php

 

 

 

MORE HELP WITH MORTGAGE PAYMENT

HOME EQUITY LOSS PREVENTION PROGRAM (HELP)

If you are behind on your loan, a housing counselor may be able to intervene on your behalf with your lender in order to come to a resolution that will ultimately bring your loan current. Our HELP program has established relationships with 43 major lenders in the U.S. in order to better serve our clients in getting their loans out of foreclosure. Last year, we assisted over 4800 families in working out repayment plans, forbearance plans, loan modifications, refinances and partial claims, which allowed these families to keep the equity that they built in their homes!!!

 

 

 

Another page that has beginning information about paying for your mortgage when you have financial challenges :

http://what-do-i-do-if-i-can-t-pay-my-mortgage.app-sl-1.aidpage.com/

 

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FOR MORE FREE HELP AND IDEAS FOR ALL AREAS OF YOUR LIFE , CLICK HERE :

MORE PAGES FOR FREE HELP

 

 

 

 

 

 

 

 

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sharmin   in reply to Red1
r
Talk to sharmin
ok fine disabled to much crap
 in response to soulmatedeb...   its a nickname im tired of finding and thinking of them
and im ADHD bipolar degen back fibro and 20 or more others and fight
i fight like pit bull but im tired of fighting the government every move every grant
i just got done fighting for whats called weatherization and now looks like a fight
for whats called a mars grant yes he provides all i need but im tired and fed up
with this country and the way it treats disabled Americans
Talk to ok fine disabled to much crap
Anonymous
im tired of our government HUd and all the other i have searched and wrote all the state officials called hundreds of numbers emails up the butt months of this to much pc time to mention and all i finally got was weatherization makes me very happy yes but i need a tub not the worlds smallest shower that if i put my handicapped seat in i bang and beat myself on the walls my tore up back arthritis and fibromyalgia need to soak and the floors are getting foot sized soft spots and the wood floors are sinking warping edges sticking up tripping you and more but i cant move and im done looking for help in this screwed world that wont do crap
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MidgeG

Hi

I lost my retired husband age 52 in 2006 due to a heartattack and he also had cancer, He was a big drinker everyday and night. He was not living at the home for the last years of his life and was supposed to be paying the bills. I was a stay at home mom so I had no income, about 3 months before he passed away he told me he did a chapter 13 and in 3 more months it would be out of the stay period, he had included the home in this and sign his part of the mortgage away but my name still remained but he had not paid on the Mortgage payments for 7 months before he did the chapter 13 unknown to me. When he passed away I went through papers he had and found the lawyer he used for the chapter 13 and I called her and asked how could he do this without me signing anything (the chapter13) I was told he didnt need to because he was signing away his responsibility to the Mortgage, I ask her when the stay was up and I was told any day. I right away called the Mortgage lender and talked this out with them the papers for foreclosure was on their desk ready to go to their lawyer but had not yet and I ask if I could pay the arrearage and was told yes, so I use the small insurance check I got from what he had from he had work, I was so glad I had that check to pay for that and at least i would not lose my home.

I soon found out He also was having the water bill tagged to the property taxes which was years 2004-2006. I had no idea of any of this until he passed away, I managed to pay 2004 and now IM trying to pay 2005 and its not looking good it 1,400 and I have until March 31st 2008 I only get half of what he was getting from his retirement 1,60.00 The County can't help me (DHS) because they said they have to pay all back property taxes due they cant just pay 1 year and it goes over the amount they allow of 2,000.

IM trying hard to pay everything my Mortgage with is only 289.00 a month but its very hard to do everything on small amount I get seeing I have other bills also and have to eat I can only get 29.00 a month in food help from the county, and no cash help. I also was left with a home that is really bad holes all over in walls from being punched by him and big windows with air leaks in all windows, no proper flooring its all come up broken cupboards that look embarrassing and its just the whole house it looks so bad IM embarrassed to have any1 over. The basement is full of stuff if something wasn't any good he would throw it down there and thru the years its just pack with junk that's no good. I cant even buy clothes or other things I need, its really bad

I cant need any credit at all because he wasn't paying anything and when I was paying for my credit that was in my name I no longer that the funds when he left the home, I was getting no money from him only a few here and there to get some food but not enough of that to get thru the month. No one will touch me and all I want is a chance to either get a loan so I can fix the house up just enough to have it look nice, and pay off bills such as property taxes and catch Mortgage up 3 months worth. I know this sounds unreal but I can supply pictures of rooms throughout my home as embarrassing as it is, but I have to do something Im so depressed and dont want to do anything far as going places, just so unhappy and losing my husband also even though we was not living together and all he did I still feel bad today because he died and im just lost to all, and don't know what to do im scared I might lose my home if things don't get better, even though its not much its all I have.

Does anyone have any help or idea how I can do this? I need help fast and I just can't seen to find any.

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soulight

sandy6 , Elaine deserves much praise for her helping others and giving me wonderful resources. You are so right, Emil and Ivan have given us a great opportunity to help each other ! soulight

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sandy6

Dear Soulight, Elaine from tsa told me to look at your site, so I need to thank so many,Elaine has just been a sweet heart. also want to thank Emil and Ivan, it's so nice to know there are people who Care. A big Thank you to all the people, thank you aidpage, and aidmate, May God bless all of you.I believe in prayer,With God's help ,all of us will get what we need sandy6

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soulight

Hi sandy6 I have heard of some sites that charge a fairly large fee . I like the concept of people helping people much better. Emil and Ivan have given us all the opportunity to post on Aidpages for free , and I am so thankful that I can do what is in my heart and help my fellow Aidmates out ! Thank you for praying for me too ! soulight

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soulight

memytoys I have heard that itis very expensive to live in Autralia . Unfortunately , I don't know anything more about your country ,but I will keep you in my prayers . soulight

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sandy6

Dear soulight, Thank you so much for all the information you have up on the aid page for everyone to see,I don't no if you no this but alot of people are charging alot of money for the information you have given for free. Thank you and I will pray for you also and I'am sure when people on the aidpage get this information they will thank you from the bottom of their hearts May God Bless and take care of you. Thinking about you Sandy6

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memytoys

Dear soulight, Thank you very much for your thoughts, it seems you are in USA, perhaps I should have clarified I am in Australia. Also on question on medication we have a health care card which helps a lot, however it still costs us $70 to $80 per month for medications, once again Thank you for your care J & N

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soulight

Thank you for the very helpful links , sshea1 ! soulight

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sshea1

Hello, HUD has several programs. Below are a few through the USDA. HUD may have one that might fit your need. God Bless
Self Help housing
Housing Assitance Council
Information on the 502 program through USDA
Renters assistance
Remodeling
Free Landlord Forms
Rehab Tips
Website Links to help you start and run your business and rental properties
203 K program through HUD

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Red1

I have a home on the southside of Chicago that has recently gone into foreclosure. I have no job and have had tenants in there who hopefuly are gone out of the house. I do not have any help in fixing it up and want to know if anyone knew any way to turn this situation around. Does anyone know or have any suggestion of what I can do quickly. I have served notice to the tenants in January. A lawyer is presently working on the eviction and I'll have my brother go by there tomorrow to see if he sees anyone in the house or if anyone would answer. I would appreciate any help that anyone may offer. Thank you red1

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