Many, however, are low-cost, accept Medicaid, or operate on a sliding scale based on your income. Types of services - Some facilities just provide safe shelter for the night, while others are transitional. They provide both housing and support services. They may help you with substance abuse, mental health, domestic violence, or job training.
Apply for more permanent public or subsidized housing. Typically, there are long waiting lists for public and subsidized housing. Apply as soon as possible. Or, explore opportunities to return to employment, find health care, or get mental health services.
You can find help 24 hours a day. Housing programs and street outreach - Find stable, safe housing. You can also get education help, survival aid, counseling, crisis intervention, and follow-up support. Visit Benefits. This may include financial assistance, transportation, food, counseling, and more. Recovering from a disaster can be time consuming and expensive. Disaster-relief loans provide money to help people and businesses recover from a federally declared disaster.
The loans are meant to help cover losses not covered by insurance, though eligibility requirements apply. These loans cover physical damage to businesses and homes as well as financial harm to a business or nonprofit organization. Both renters and homeowners can apply for a disaster-relief loan. There are also loans available to support small businesses with employees who are in the military reserves and who are called to active military duty in a declared disaster area.
If they meet certain qualifications, businesses can use these loans to continue to pay operating expenses until an employee returns from military duty.
The government sponsors a large number of loan programs to help support housing and development, with programs available for specific groups, like first-time homebuyers, Native Americans and veterans. Education loans are available to help fund undergraduate and graduate education. These loans, which generally have lower interest rates than private student loans, may be available to qualifying students and parent borrowers to help cover education costs.
Additionally, the federal government sponsors loan-repayment programs for people who agree to work on certain types of medical research after graduation, certain graduates who commit to work a minimum of two years for the National Institutes of Health on AIDS research, clinical research and pediatric research, as well as those working in infertility and contraception research.
Nurses and other health professionals who work in specific communities may also be eligible for loan-repayment programs. A number of government loans may be available for some veterans, service members, reservists and National Guard members.
Additionally, surviving spouses may also qualify for some loans. VA loans may include home loans with lower interest rates and lesser down payments requirements, home-refinancing loans and loans against certain life insurance policies.
Since funds will be distributed locally, tenants and landlords hoping to qualify for rent relief will need to check for programs operating in their area. For starters, check this spreadsheet of local housing programs , compiled by the National Low Income Housing Coalition, to find rental assistance programs currently operating in your state or county. Individuals in these categories should reach out to their local public housing agency PHA to learn whether they qualify for assistance.
You can find your local PHA here. The National Low Income Housing Coalition has a lookup tool that can help renters find state and local assistance. So make sure you and your landlord are clear on two things:. Also, research measures your state has enacted to protect renters and make sure your landlord is aware of those.
Laid-off workers may be eligible for unemployment income. You can find contact information for your state government and agencies here. In addition, the recently-passed American Rescue Plan renews federal unemployment assistance which was originally set to expire on March This will be available until September 6, Unfortunately, some con merchants see this national emergency as an opportunity rather than a tragedy.
Already, the Consumer Financial Protection Bureau is having to warn Americans about mortgage modification scams. It says scammers might:. If anyone has made any of these requests or claims, you can report that company by submitting a complaint with the CFPB online or by calling CFPB Anyone who does is a scammer.
It warns equally against those asking for any form of upfront payment or promising to get you stimulus money quicker than normal. Again, those are scams. Better to rely on them than social media or even some media outlets. Times are likely to remain hard for many of us.
Please enable JavaScript in your web browser; otherwise some parts of this site might not work properly. Refinancing your mortgage allows you to pay off your existing mortgage and take out a new mortgage on new terms. You may want to refinance your mortgage to take advantage of lower interest rates, to change your type of mortgage, or for other reasons.
You will not have to sell the home or take on additional monthly bills. The reverse mortgage does not have to be paid back as long as you live in your home. You only repay the loan when you sell your home or permanently leave it.
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