The housing resources offered by government and other nonprofit organizations are numerous. The housing resources are classified by various categories of housing-related requirements. See the complete list below and then click on the link in order to visit that particular section of the list. If you are homeless or in danger of becoming homeless. The links below will help you.
If you know someone who is homeless, contact HUD (U.S. Department of Housing and Urban Development). HUD provides employment, education, and public health services for people who are experiencing the consequences of being homeless or at imminent risk of becoming homeless. HUD’s Neighborhood Stabilization Program (NSP), also offers housing counseling and housekeeping assistance to qualified distressed families. HUD is a federal agency administered by executive departments.
For people who are not yet experiencing the consequences of being homeless, the links below provide a listing of housing resources that are offered by non-profit agencies and by governmental partners. Some NSPs (Neighborhood Service Programs) provide direct supportive services such as preventing foreclosure, providing emergency food and shelter, or providing life assistance such as paying utility bills and mortgage payments. Other NSPs provide indirect supportive services to ensure that eligible families can afford a home by offering financial counseling, developing an individualized homeowners plan, arranging consistent mortgage payment options, or providing behavioral health support services to the homeless family.
The U.S. Department of Housing and Urban Development (HUD) is a federal agency that was established under the Public Housing Act. It was headed by former Secretary of Housing and Urban Development Henry C. Moses. Its mission was to increase the housing inventory and decrease the waiting time for low- and moderate-income persons to obtain affordable housing. As its name suggests, HUD helps provide housing to the homeless by creating housing resources, such as affordable housing incentive programs and discount housing tax credits, that help reduce the cost of living for the needy. In addition, it provides public funding for a variety of programs, such as the Nationalrental Housing Trust Fund, which pays low- and moderate-income families for the lease of public housing.
HUD also manages and coordinates non-profit housing resources for landlords and property owners. It oversees the Federal Family Housing Partnership (FFHP), a program that provides primary cash payments to eligible low- and moderate-income families to purchase, repair, and continue living in their homes. Under the FFHP, the landlord and the property owner must both agree to provide income guidelines to their tenants. These guidelines are based on the average monthly income of the families in the community. Qualifying families may also be eligible for benefits under the Department’s Alternative Needs Savings Account (NASAs).
For families and individuals looking to buy a new home, the U.S. Department of Housing and Urban Development (HUD) offers many housing resources. HUD offers a variety of mortgage programs to help homeowners obtain the most affordable housing loan possible. For first-time home buyers, there are special financing programs for low- and moderate-income first-time homebuyers. In addition, there are public housing assistance programs that provide home ownership to people with the highest risk of losing their homes. Some of these programs include the Home Ownership Program (Hops), the Section 8 National Security Affordability Initiative (SSNA), and the Permanent Refinance Modification (PRAMA).
For families or individuals who are not buying a home, but need rental assistance, HUD has affordable rental housing resources as well. A variety of non-loan, as well as loan, services are offered through HUD’s Department of Public Housing (DOPH) to help low- and moderate-income families afford their housing. Some of these services include homeless assistance, homeowner education, and credit counseling. HUD also collaborates with state and local governments to provide affordable housing funds.
Another housing resources for people with disabilities include the American with Disabilities Act (ADA.) The ADA ensures that everyone in the United States has the ability to move, live, and work according to their abilities. The Act encourages businesses and communities to provide more accessible public places, such as bathrooms in buildings, parks, and malls. It also requires covered public accommodations to accommodate wheelchair-accessible vans and equipment. ADA regulations are enforced by state agencies.