Rental Assistance Information
In tough economic times, many people find themselves in a housing crisis--either in danger of being evicted, or unable to find housing they can afford. There are both private and government agencies that are able to help. If you need assistance, you may qualify for a program that can help prevent the worst from happening.
Other People Are Reading
-
Function
-
The function of rental assistance programs is to help low-income families or families in crisis obtain affordable housing or prevent eviction. The requirements are different for each program, and you might qualify for one but not another. Ask the agency about its requirements before applying, and prepare your paperwork in advance to save time.
Types
-
The type of assistance you need determines whom you should contact. For immediate help to prevent eviction, you need to find an agency that offers short-term or one-time emergency funding. These programs generally are found on the state or local level. The U.S. Department of Housing and Urban Development (HUD) can often point you to local agencies, charities or churches who can help. Your local United Way also keeps agency lists; in some cities you can get this information by dialing 211.
If you need ongoing assistance due to an inability to work, for example, federal or state government assistance might be a better fit for you. HUD has several programs to help people obtain affordable rent housing, and many states offer similar programs as well.
-
Considerations
-
Rental assistance agencies almost always follow certain criteria to qualify people for their help. Those offering short-term help or eviction prevention might want to know your current expenses, prospects for employment, or have you enroll in financial counseling. State and federal rent assistance programs have certain low-income thresholds, and also qualify people by whether they have children or if they are able to work.
Sorting through the programs to find what you need can be confusing, especially in times of crisis. HUD maintains a comprehensive list of approved housing counseling agencies to help you narrow down your options.
Misconceptions
-
Many who first begin seeking rental assistance have the idea that the government or charity is simply going to bail them out. Most agencies, public or private, genuinely want to help, but because so many people are in need, they can't offer assistance without some sort of accountability--which is why they have eligibility requirements. No matter what programs are available, taking charge of finding your own solution is always the first and best option. Research as many options as you can, and don't presume any particular agency can help you. Many people get evicted by pinning their hopes on only one option.
Prevention/Solution
-
Planning ahead is the best form of prevention. Don't wait until you are in a crisis to try and solve your problem. Talk to your landlord at the first sign of trouble, and see if you can work out a suitable arrangement. Look for ways to cut expenses when your income drops, and when your income increases, put money into an emergency fund so you have a safety net. Steps like these often help prevent a crisis.
-
