Housing. We all have to have it. It’s like food and water. It is most definitely not an option. Shelter is one of the basic necessities of life. Without a roof over your head, you are not going to last very long. A home is more than just a roof over your head, however. It is a place for a family to spend time together, to feel safe and loved. It is the corner stone of every family unit, and one of the most important memories in child hood. Studies say that your housing costs should be only 30% of your monthly income. However, this is not the facts for many families, including single moms. Sometimes, after paying rent expenses for the month, there is barely enough money left for gas to get to and from a job, or food for the kids. This is the very sad reality for many single moms.
However, it doesn’t have to be that way. There are options available for single moms (all families actually!) to help alleviate some of the burdens associated with housing costs. There is a specific program that can provide a voucher to help off set the high cost of rent for families, especially single mothers.
The Housing Choice Program (sometimes known as Section 8) is the program that can help with this.
This program helps provide safe, stable, decent housing to low income families. Sometimes the housing that you can afford is not the best. Whether the actual home itself is less than desirable, or the neighborhood being bad, sometimes cheap housing does not equal good. The Housing Choice Program helps families to be able to afford housing that is better than what they would normally be able to afford.
The Housing Choice Program helps pay for single family homes, apartments, duplexes, town homes, condos, even sometimes mobile homes. There is no rule saying that you have to live in a certain type of home. Some people think that the Housing Choice Voucher Program will only allow you to live in a subsidized housing project, but this is no longer true. The vouchers can be redeemed for any rental home that is approved.
The rental homes in the Housing Choice Program must be pre approved to meet minimum regulations of both health and safety. The tenant must find the home, and make sure that is approved through the Housing Choice Program. This is to ensure that all families have a safe and decent place to stay. It is the landlords responsibility to provide a decent home. Your housing authority can usually provide you with a list of landlords that will be able to accept a Housing Choice Voucher. There is also a search tool to help you find affordable apartments if that is something that you or your family might possibly be interested in.
The Public Housing Authority pays the landlord the amount of the subsidy to the landlord directly. The family then will be responsible for paying the remaining amount to the landlord. This can drastically reduce the amount of financial strain placed on a family by a high rent payment. What a big help this can be for a family that was previously struggling to make high rent payments! This can be such a helpful program and can really change a family’s lives.
Something that you should be aware of is that there is usually a very long waiting list for the Housing Choice Program. In some cities, the waiting list is actually closed to new applicants, or may be opened only for a few months during the year. In my state, the waiting list is opened during the months of January and April, and this is the only time that new applicants can apply and be placed on the bottom of the waiting list. There are certain circumstances that may move your family to the top of the waiting list. These circumstances include being involuntarily displaced, being homeless, or spending more than 50% of a household’s monthly income on rent. If your family meets these stipulations they can be possibly moved up to the top of the list to receive quicker assistance. Contact your local housing authority to find out how to get on the waiting list.
To see if your family qualifies for this very helpful program, the first step is to contact the HUD office in your state. The website to find that address is located here: http://portal.hud.gov/hudportal/HUD?src=/states. It is also advisable to contact your local Public Housing Authority. You can find your local office by looking at this site: http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts.It also provides contact information and phone numbers if you would like to visit your local office in person.
There are also other programs in place to help with housing, such as the ONAP programs (Office of Native American Programs), which helps to provide housing to Native Americans. This program helps Native American Families with rental assistance or even can help them buy a home. To find out more about this very helpful program, you can click here: http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/ih. Both the Housing and Urban Development, and the Public Housing Authority websites are good places to start and contain tons of valuable information.
As you can see, the options are out there for assistance with housing. It might not be easy or a quick process, but with some determination and will power, you will be able to get the help you need for your family. My advice would be not to give up and keep trying. The process may seem daunting, but it will all be worth it in the end when your family has a safe and affordable place to live. Don’t give up, and keep trying. A home is very important to a family, and if you keep trying, you can have a safe and affordable one for your family.
There are many hassles that come with being a single mother. At a time when practically all prices are at record highs, getting by is always a great challenge. It’s even worse if you have some three or four kids to take care of, and at times even your own parents. Fortunately, the introduction of grants for single moms came as a bog relief to the many single American mothers. In as much as they may not meet all your needs, they can go a long way in helping you to make ends meet. The government and many other stakeholders, in realizing these hardships, introduced the housing grants for single mothers.
Housing has become one of the hardest things to afford in the U.S. Even couples are finding it hard to access decent housing in most of the states. The recent housing crisis in which most mortgagees suffered foreclosures only made the situation worse. For the single mother, very few grants for single mothers compare to the housing grant. This can not only help you afford an apartment but also aid in owning your own home, if you know how to go about. The surprising thing is that many single mothers haven’t taken advantage of such grants. This is probably because a good number of them have no idea of how to get housing grants for single mothers.
How To Go About It
Getting grants for single mothers is not the easiest thing to do. Nevertheless, it is also far from being hard. The red tape is only placed to ensure only genuine applicants are awarded the grants. Here are the guidelines you need to follow to get housing grants for single moms:
* The first thing you need to do is get all your paperwork in order. This includes even your children’s birth certificates, social security cards, and even driving licenses if need be. These should be accompanied with all your income details, including any child support you may be receiving.
* Check with the HUD (Housing and Urban Development) if you actually qualify for housing grants for single mothers. The HUD will also offer you advice on whether to seek a grant for paying rent or for a mortgage altogether.
* The next step will be to locate affordable housing in your area. This is where your State Housing Finance Agency will be of great help. This agency keeps a track of affordable housing units especially for low income citizens. Your state’s agency might also have federal grant funded housing to offer you.
* You can also contact Habitat For Humanity if you need any further assistance in purchasing or building a home. This institution is funded by the government and other private stakeholders, partly to help mothers put their housing grants for single moms to good use.
If the above guidelines don’t help you much, this is not the end of the road for you. The U.S. Has many foundations that offer small housing grants for single mothers. You can find grants which are in excess of 5% of the housing loan you are willing to procure.
The process of applying for home grants for single mothers can be hectic. However, always refrain from taking any shortcuts. Beware of fraudsters who may take advantage of your plight to swindle you of the little savings you have.