Operating across several different states, Telamon is a regional human services organization. They offer dozens of assistance programs to less fortunate families, the unemployed, and low income. While the resources will vary by state and office, the non-profit offer help to renters, foreclosure counseling, job training and more. They also administer child care and government programs such as Head Start.
While the exact programs and services will vary by state, office, and county, some examples of what may be offered are below. However the specifics will need to be obtained from your local office. Telamon Corporation operates in the states of Alabama, Delaware, Georgia, Indiana, Florida, North Carolina, South Carolina, West Virginia, Michigan, Tennessee, Maryland, and also Virginia. In many states they serve as the equivalent of a local community action agency.
They operate as a HUD certified counseling agency. Different types of foreclosure prevention programs and mortgage delinquency counseling is offered in each state. Most, if not all, of the services are free for income qualified homeowners. They may also have information for renters on emergency housing or financial aid if they are faced with an eviction.
In North Carolina, the agency can process applications for the NC Foreclosure Prevention Fund. This is offered in many different counties, including Durham, Wake, Johnston, Franklin, Harnett, and Lee. This program is focused on homeowners that are struggling with their mortgage payments due to a short term financial hardships or job loss. In addition, there may even be some government grants issued that can help pay for a portion of your mortgage while seeking employment. All of these services are offered for free.
There are some other federal government mortgage programs administered by Telamon. Some states offer the Hardest Hit program, which offers an interest-free loan that may be able to pay your mortgage or property taxes and other expenses. The intent was to provide time for the homeowner to find stable employment. Another option is the Second Mortgage Refinance Program, which is also for those that are unemployed and seeking a new job.
Some states, such as Virginia, offer mortgage help as part of Foreclosure Intervention Counseling. The free Telamon service is offered to anyone that is delinquent on their home loans or that is at risk of missing a monthly payment on a mortgage. The Foreclosure Intervention Counselor from the HUD certified agency acts as a liaison between the lender and the homeowner to assist in negotiating affordable repayment terms for the homeowner.
Homebuyer Education Fast Track Class is for future homeowners. This was created in an effort to provide individuals ready to buy a home with information to assist them in moving towards homeownership. The workshops and information offered can be effective in helping a homeowner keep their property once it has been purchased. The sessions will also help customers facing obstacles to homeownership that cannot be resolved in a few months.
In some regions of the country and local communities, such as the City of Danville, Franklin, Mecklenburg and Pittsylvania County Virginia, they may sell homes to low income families. The non-profit will sell rehabilitated homes to low to moderate income and first-time homebuyers. This may also include low income, senior housing as well. Where this is available, Telamon will also arrange or help people apply for affordable mortgages as well as down payment and closing cost assistance. In some cases, an interest deferred grant is available to homebuyers as part of this program.
Low income housing is available for farm workers in states such as Indiana and others. Those that are trying to improve their financial stability and economic future can get help from Telamon. The non-profit community action agency can assist income qualified farmworkers who need emergency or temporary housing accommodations as a result of migratory agricultural employment opportunities. This may include transitional housing, referrals to programs to pay rent or a security deposit, and other tenant services. The goal is to help clients find an affordable, permanent residence to live in.
Tenants that are facing homeless can receive counseling. The HUD agency may have suggestions on where to turn to for rent help or homeless prevention solutions. A combination of no interest loans or other forms of financial support may be administered for back rental expenses. They also have lists and information on low income homes, shelters or apartments that may serve as an alternative to homelessness.
Other housing programs offered include, but are not limited to, Loss Mitigation and Foreclosure Prevention Counseling, which can also help with defaults. People looking to purchase can enroll into Homebuyer Education Workshops as well as Prepurchase Counseling. They also offer eviction prevention, help for renters and Services for the Homeless. Another key focus is on rural communities and they offer grants from the USDA Farm Labor Housing Program.
Home repair programs from Telamon can assist low to moderate income homeowners, including seniors and the disabled, who reside in their home. There may be low interest loans available for fixing and addressing emergency home repairs. In some cases, a very low income individuals may receive a grant for undertaking these repairs.
There may be assistance for water and septic needs as well. Loan programs are for income eligible homeowners to repair, install, or replace existing onsite septic tanks. Funding from Telamon can help pay the cost of connecting to publicly owned sewer treatment systems. In some states or communities, the emergency home repair funds pay for the installation of new roofs and siding.
Weatherization is an energy conservation program available in most states. The federal government provides funds to Telamon and other community action agencies for the installation of materials, updates and/or provision of services to homes of low income families. It will reduce energy bills, increase the energy efficiency and help ensure the safety and health of the occupants. Weatherization is prioritized according to those that are most at risk, such as the elderly, seniors, and low income families. In some cases, there may be funds available to pay for the replacement of a heating or cooling system, such as a furnace.
Using funding from the U.S. Department of Labor, the Farm Labor Housing Program can help upgrade or repair a home. Grants can pay for the repairs and upgrades. What may be covered includes bathrooms and kitchens, structural repairs, doors, windows, plumbing systems, electrical work, fire extinguishers and alarms, heating and air systems, appliances, beds and mattresses, first aid kits, and covered trash containers.
Financial literacy, such as credit counseling, budgeting and debt reduction services are all available. Most of this is for prospective homebuyers or those facing bankruptcy. The non-profit can provide help and advice to consumers in preparing household budgets and addressing outstanding debts.
Free income tax preparation is offered at many sites. Telamon Corporation partners with local non-profits as well as the Internal Revenue Service as part of VITA. This will offer low income families access to free advice, income tax preparation and filing services. Another partner of the organization is myfreetaxes.com.
The main program offered is known as VITA, or the Volunteer Income Tax Assistance. This provides face-to-face tax preparation and filing assistance to qualified low to moderate income individuals as well as senior citizens. Highly trained volunteer tax preparers can inform taxpayers about special tax credits for which they may qualify and help them complete their returns.
NFJP, or the National Farmworker Jobs Program, is an employment service for farm workers. The goal is to help clients increase their income and obtain self-sufficiency through better employment and career prospects. Case managers and counselors from community action help with this.
Some of what may be covered by NFJP workshops includes the following. Career counseling, which touches upon assessment of skills and interests. There is skills upgrades, such as English as a Second Language (ESL), classroom sessions and Pre-employment Training. Job search assistance and placement is also available. In some cases, emergency services, such as access to a bus pass or low income housing is offered.
Using funding from the U.S. Department of Labor, there are a wide variety of training and employment resources available. There are for the unemployed, people who are seeking work, those who want greater financial stability that comes with a better job or individuals looking for new skills. Most of these are also offered in partnership with One-Stop career centers.
As with every Telamon program, they vary by location. In general, employment assistance and training services range from career counseling, information about local job listings, occupational training, and access to computer labs. Other services often included are job referrals, assessment, assistance with obtaining occupational credentials or educational certificates, of education and skill levels, placement assistance and supportive services.
All of the programs and assistance offered is tailored to meet the abilities and needs of each participant. Clients can include those with special needs, including migrant and other seasonally employed farm workers as well as the disabled. The programs are also supported by professionals in the workforce development field as well as local community action agencies.
Children can benefit from Head Start. This operates a federal government funded preschool program that promotes the development as well as school readiness of children under the age of 6. It addresses the students overall social, cognitive and emotional development. Telamon operates Migrant and Seasonal programs as well as the more standard Head Start and Early Head Start childcare programs. There are also services for those with disabilities.
Head Start offers both the child and the parents a wide variety of services. There are both full-day or partial services at centers or schools. These programs can offer children free meals, health and dental screenings, individual as well as group learning experiences, play opportunities and other structured activities. All services are both age and developmentally appropriate. Much of the food for the community action agency administered program is offered by the USDA’s Child and Adult Care Food Program (CACFP).
Assistance for youth is offered too. The goal is to help young people, including teenagers, build skills that lead to success as adults. The focus is on education, growth, and long term success. The agency will stress dropout prevention and completion of high school, or at least a GED. Case managers support young clients by providing adult mentors, counseling, educational tutoring and financial assistance. There may also be occupational skill training organized.
As noted, the programs and resources available vary by state and offices. Most of the locations also provide coverage in several nearby counties and towns as well, include some that operate statewide.
Alabama (services offered statewide)
Georgia (covers the central, southern and eastern part of state)
Michigan (most counties are supported)
North Carolina (central, southern and eastern)
South Carolina (statewide)
Virginia (most of state)
West Virginia (northeastern counties)
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