Government housing authorities.
Housing authorities at the local and state government level provide a number of assistance programs to renters, homeowners, and first time homebuyers. Services offered to people who rent their homes or apartments range from funds as a form of direct rent assistance, section 8 vouchers applications, eviction prevention, HUD counseling, and help with moving into a new home or apartment. Some counties may even issue loans that can be used to pay a security deposit on a new low income home or apartment.
Some of the government housing assistance programs for owners and homebuyers include free foreclosure prevention and low interest rate mortgages for buying a home. If you currently own a home, look into grants and low interest loans for home repair assistance and mortgage refinancing. Almost any type of financing issued will come with advice and counseling from a specialist. A number of public and government resources are available from your local housing authority near you to help you meet your needs, and find phone numbers and address of housing authorities for each state below.
Foreclosure prevention for homeowners
The local housing authorities run a variety of programs for homeowners who have received a foreclosure notice and who are at risk of losing their homes. Some of the resources include home loan refinance and modification opportunities, free foreclosure counseling services, and also mortgage assistance in the form of low interest rate loans. Housing Authorities work to help people seeking to buy a home or “save” their existing one.
The local agencies also work closely with government programs as well as non-profit HUD approved housing counselors to provide homeowners with a wide range of free services. This may be public assistance programs, government resources, and free foreclosure help from attorneys or counselors. Whether federal government sponsored loan modifications, or resources from local lenders or banks near you, a housing authority is a great resource.
Rental assistance from your housing authority
Several programs are usually offered by your local housing authority near you. They include housing assistance programs for paying rent, security deposits, as well as emergency resources for preventing evictions and homelessness. Most state housing authorities are also involved in running waiting lists or signing residents up for the section 8 voucher program. In addition, they operate public housing or low income apartments as well.
The programs for rental assistance funding include tenant-based rental assistance (TBRA), Section 8 housing vouchers, and homeless prevention and rapid rehousing. Any type of government rental assistance (other than section 8) is intended to be short term in nature and the primary goal is to provide temporary assistance through an administrator to an individual household or renter. Low income families seeking more long term solutions can look into section 8 near them.
Most housing agencies can also refer families to a number of local charities, non-profits, government agencies, and other organizations in their local county, town, or city for additional help. There are amny state resources out there. Find information on emergency rent assistance.
Homeownership and buying programs from Housing Authorities
Families and individuals who are in the market to purchase a home can receive assistance from their local housing authority. Most of the organizations offer a number of services to first time homebuyers, including affordable mortgage programs, emergency loan programs and tools as well as resources for homebuyers. There may also be cash grants to help with closing costs or downpayments.
A housing authority near you is a great place for homeowners to learn about the banks and lenders they work with in their local community. Some agencies can even offer direct down payment as well as closing cost assistance. This can be a loan or maybe a federal grant program for the buyer. Programs can offer low- and very low-income individuals help coming up with the funds for their down payment and closing cost assistance.
Home repairs
Low income individuals can apply for low interest loans that can assist homeowners in financing basic home improvements. These loans can usually be applied towards improvements that directly affect the safety, energy efficiency, habitability, or accessibility of their homes. Housing authorities can approve other repairs on a one off basis too.
A focus of many local housing agencies will be on energy conservation improvements to homes, such as insulation, windows, new roofs, and central air conditioning and furnaces. They also focus on helping seniors as well as the disabled to ensure they have a safe place to live.
Local Government Housing Authorities near you
Below are the addresses, phone numbers, and contact information for public government housing agencies by state. They have information on a number of programs for low income families. Many cities and counties also have a public government or housing agency (PHA) that operates in their immediate area near them, and the state resources listed below can provide you with that information. Or find details on additional government or charitable housing program services. Find more on housing assistance.
Call the agency below to learn about rental assistance, section 8 vouchers, free HUD foreclosure counseling, home buying and other forms of help. These organization administer a number of other services and assistance programs.
Alabama Housing Finance Authority P.O. Box 242967 Montgomery, AL 36124 Dial (334) 244-9200
Alaska Housing Finance Corporation P.O. Box 101020 Anchorage, AK 99510-1020 Main telephone number - (907) 338-6100
Arizona Department of Housing/Arizona Housing Finance Authority 1110 West Washington Street, Suite 310 Phoenix, AZ 85007 Phone (602) 771-1000
Arkansas Development Finance Authority P.O. Box 8023 Little Rock, AR 72201 Telephone: (501) 682-5900
California Housing Finance Agency P.O. Box 4034 Sacramento, CA 95812-4034 Call (916) 326-8000
Colorado Housing and Finance Authority 1981 Blake Street Denver, CO 80202-5943 Telephone number - (303) 297-2432
Connecticut Housing Finance Agency 999 West Street Rocky Hill, CT 06067-4005 Telephone: (860) 721-9501
Delaware State Housing Authority 18 The Green Dover, DE 19901-3612 Call the agency at (302) 739-4263
District of Columbia Public Housing Finance Agency 815 Florida Avenue, NW Washington, DC 20001 Telephone: (202) 777-1600
Florida Housing Finance Corporation 227 North Bronough Street, Suite 5000 Tallahassee, FL 32301 Main telephone number - (850) 488-4197
Georgia Department of Community Affairs/Georgia Housing Finance Authority 60 Executive Park South, NE Atlanta, GA 30329-2231 Telephone: (404) 679-4940
Idaho Housing and Finance Association P.O. Box 7899 Boise, ID 83707-1899 Call (208) 331-4889
Illinois Housing Development Authority 401 North Michigan Avenue, Suite 700 Chicago, IL 60611-4204 Telephone: (312) 836-5200
Indiana Housing and Community Development Authority 30 South Meridian, Suite 1000 Indianapolis, IN 46204 Main phone - (317) 232-7777
Iowa Finance Authority 2015 Grand Avenue Des Moines, IA 50312 Telephone number - (515) 725-4900
Kansas Housing Resources Corporation 611 South Kansas Avenue, Suite 300 Topeka, KS 66603-3803 Telephone number - (785) 296-5865
Kentucky Housing Corporation 1231 Louisville Road Frankfort, KY 40601-6156 (502) 564-7630
Louisiana Housing Finance Agency 2415 Quail Drive Baton Rouge, LA 70808 Call (225) 763-8700
MaineHousing 353 Water Street Augusta, ME 04330-4633 Telephone number - (207) 626-4600
Maryland Department of Housing and Community Development 100 Community Place Crownsville, MD 21032-2023 Telephone number (410) 514-7001
MassHousing One Beacon Street Boston, MA 02108-3110 Main phone - (617) 854-1000
Michigan State Housing Development Authority 735 East Michigan Avenue, P.O. Box 30044 Lansing, MI 48909 (517) 373-6022
Minnesota Housing 400 Sibley Street, Suite 300 St. Paul, MN 55101-1998 Telephone: (651) 296-7608
Mississippi Home Corporation P.O. Box 23369 Jackson, MS 39225-3369 Call (601) 718-4642
Missouri Housing Development Commission Address: 3435 Broadway Kansas City, MO 64111-2403 Telephone: (816) 759-6600
Montana Board of Housing/Housing Division 301 South Park Avenue, P.O. Box 200528 Helena, MT 59601 Call the public agency at (406) 841-2840
Nebraska Investment Finance Authority 1230 O Street, 200 Commerce Court Lincoln, NE 68508-1423 Telephone number - (402) 434-3900
Nevada Housing Division 1535 Old Hot Springs Road, Suite 50 Carson City, NV 89706 Telephone: (775) 687-2035
Nevada Housing Division - Las Vegas Office Address: 7220 Bermuda Street, Suite B Las Vegas, NV 89119 Main telephone number - (702) 486-7220
New Hampshire Housing Finance Authority P.O. Box 5087 Manchester, NH 03108-5087 Telephone: (603) 472-8623
New Jersey Housing and Mortgage Finance Agency P.O. Box 18550 Trenton, NJ 08650-2085 Phone number - (609) 278-7400
New Mexico Mortgage Finance Authority 344 4th Street, SW Albuquerque, NM 87102-3206 Call (505) 843-6880
New York City Housing Development Corporation Main office - 110 William Street, 10th Floor New York, NY 10038-3901 (212) 227-5500
New York State Homes and Community Renewal 641 Lexington Avenue, 4th Floor New York, NY 10022-4503 (212) 688-4000
New York State Homes and Community Renewal - Albany Office 38-40 State Street, Hampton Plaza Albany, NY 12207-2804 Telephone number - (866) 275-3427
North Carolina Housing Finance Agency P.O. Box 28066 Raleigh, NC 27611-8066 (919) 877-5700
North Dakota Housing Finance Agency P.O. Box 1535 Bismarck, ND 58502-1535 Call the agency at (701) 328-8080
Ohio Housing Finance Agency 57 East Main Street Columbus, OH 43215-5135 Dial (614) 466-7970
Oklahoma Housing Finance Agency 100 Northwest 63rd, Suite 200 Oklahoma City, OK 73116-8250 Main telephone: (405) 848-1144 One of the programs provided by the state of Oklahoma is focused on renters with medical conditions or mental illnesses. They can receive funds for rent, deposits, and energy bills. Read more on Oklahoma housing assistance.
Oregon Housing and Community Services 725 Summer Street, NE Salem, OR 97301-1266 Telephone number - (503) 986-2000
Pennsylvania Housing Finance Agency 211 North Front Street Harrisburg, PA 17101 (717) 780-3800
Rhode Island Housing Address is 44 Washington Street Providence, RI 02903-1721 (401) 457-1234
South Carolina State Housing Finance and Development Authority 300-C Outlet Pointe Boulevard Columbia, SC 29210 Telephone: (803) 896-9001
South Dakota Housing Development Authority P.O. Box 1237 Pierre, SD 57501-1237 Main telephone: (605) 773-3181
Tennessee Housing Development Agency 404 James Robertson Parkway, Suite 1200 Nashville, TN 37243-0900 Dial (615) 815-2200 for information
Texas Department of Housing and Community Affairs P.O. Box 13941 Austin, TX 78711-3941 (512) 475-3800
Utah Housing Corporation 2479 South Lake Park Boulevard West Valley City, UT 84120 Main number is (801) 902-8200
Vermont Housing Finance Agency P.O. Box 408 Burlington, VT 05402-0408 (802) 864-5743
Virginia Housing Development Authority Main office address - 601 South Belvidere Street Richmond, VA 23220-6504 Telephone: (804) 782-1986
Washington State Housing Finance Commission 1000 Second Avenue, Suite 2700 Seattle, WA 98104-1002 (206) 464-7139
West Virginia Housing Development Fund 814 Virginia Street, East Charleston, WV 25301-2826 Phone (304) 345-6475
Wisconsin Housing and Economic Development Authority P.O. Box 1728 Madison, WI 53701-1728 (608) 266-7884
Wyoming Community Development Authority 155 North Beech Street Casper, WY 82601-1907 Call (307) 265-0603
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