Wednesday, September 14, 2022

Getting Help With Rent From The Government

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The American Red Emergency Bill Assistance

East Lansing officials to help with rent, mortgage

The American Red Cross is well known for helping families and individuals affected by disasters. They have opened 196 shelters, given out 669,000 relief supplies, and have counseled almost 12,800 families. They provide open shelters, meals, snacks, blood collections, replace eyeglasses, Help military families, Replace prescription drugs, physical health, and mental health support, personal supplies, toothbrush, deodorant, shampoo.

What Can Erap Cover

  • Past due rent beginning April 1, 2020, up to 18 months
  • Past due utility and home energy bill payments, up to 18 months

If the tenant applies directly for funding because their landlord will not apply on their behalf, eligible tenants can receive up to 18 months of rental assistance and/or utility payments.

WHAT ARE THE ELIGIBILITY REQUIREMENTS?

To be eligible for assistance, a household must be obligated to pay rent on a residential unit and that:

  • One or more individuals within the household has qualified for unemployment benefits or experienced a reduction in household income, incurred significant costs, or experienced other financial hardship during or due, directly or indirectly, to the COVID-19 outbreak
  • One or more individuals within the household can demonstrate a risk of experiencing homelessness or housing instability and
  • The household has a household income at or below 80% of area median income . Households with income at or below 50 percent of the AMI or those who are unemployed and have been unemployed for 90-days.are prioritized for assistance.
  • Prioritization Criteria and Methodology

    DHCD will prioritize applications based on household incomes and on areas of greatest vulnerability within the County by considering the following factors:

    For tenant applicants:

    1. Date of submission based on volume of applications and

    2. Applications for tenants who are facing court-ordered eviction will be expedited and process within two weeks.

    For landlord applicants:

    Qualifying For Rent Assistance

    There is no single formula that determines whether a person qualifies for rent assistance. Every program is allowed to set its own requirements, so there is a significant amount of variation between how organizations approach the matter.

    With government rent assistance, there is usually a clear line in the sand. For example, income limits are commonly part of the equation and, if you earn more than the cutoff, you arent eligible. Being over a certain age may be a necessity for specific programs. Similarly, some options focus on disabled individuals, in which case you would need to have a diagnosed qualitying medical condition to apply for aid.

    For programs run by non-profits, different requirements may be in play. For example, you might have to have proof that an eviction is imminent to be eligible for assistance through some emergency-only support programs. If you are looking for help to make sure you dont miss an upcoming rent payment, non-profits who assist people in those situations may review your income as a primary determiner.

    Its also important to note that what it takes to qualify can change over time. Non-profits may have to adjust their programs based on the availability of funds, adopting more stringent requirements when the coffers begin to dry.

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    What Can I Do If I Cant Pay My Rent

    If youre experiencing financial hardship because of the coronavirus, start by communicating with your landlord as soon as possible.

    Write a letter or send an email explaining your situation. Your landlord may be eligible for mortgage relief from their lender, which might make them more willing to work with you.

    If your landlord cant fully suspend your rent payments, they may consider a different payment plan. Keep in mind that each landlord might operate under different guidelines. At the end of the day, your landlord wants to get paid for their rental and may be more motivated than usual to work with you on a payment plan.

    Use Donotpay To Get Rent Assistance

    Federal Government tells people to get maintenance jobs to ...

    The Rent Assistance product from DoNotPay is designed to make it easy for consumers to find rent help that they’re qualified for. This includes emergency rent assistance and long-term rent help in the form of Section 8 vouchers.

    How to apply for housing assistance in your area with DoNotPay:

    We can compose a letter to your local housing authority based on your situation and inquire about your best options for receiving assistance. Here are the 4 steps:

  • Search for Rental Assistance on DoNotPay.
  • Put together a list of your income, debts, expenses, and assets. If you need help accessing information like your credit report, DoNotPay can help you get your report.
  • Let DoNotPay collect your basic information and compose a letter to your local housing authority requesting rental assistance.
  • Lastly, DoNotPay will send your letter to your local housing authority.
  • Also Check: Congress Mortgage Stimulus Program For Middle Class 2021

    Next Steps For Getting Government Rent Assistance If You Can’t Do It By Yourself

    If you’re having a hard time finding or qualifying for government rent assistance on your own, you can look for local rental or legal advocates that can help. You can also contact charitable organizations that have a national presence including:

    • United Way
    • The Salvation Army
    • Goodwill

    and others. However, the best way to find government rent assistance that you’re qualified for is by using the Rental Assistance product from DoNotPay.

    Rental Assistance In Pinellas County

    Pinellas County has several agencies and non-governmental organizations providing grants to help with rent and other expenses such as housing, utility bills, debt service, medication for low-income seniors, and even groceries. Most Pinellas County rent assistance programs are for the working poor and senior citizens.

    Below are some emergency rental assistance programs:

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    Foreclosure And Forbearance Information For Homeowners

    The Federal CARES Act provides protections for owner-occupants of 1-4 family properties with mortgages that are federally or Government Sponsored Enterprise backed or funded . You can learn about your options, find out if you quality, and request forbearance or mortgage relief by visiting the Consumer Financial Protection Bureau website.

    A forbearance means that the monthly mortgage payments that you would otherwise have been required to pay to your lender/servicer are not required to be made for a period of 180 days. If your mortgage was not in default prior to the forbearance period, the mortgage will not go into default by reason of your missed monthly mortgage payments during the 180-day forbearance period. A forbearance does not mean that these monthly mortgage payments are forgiven. You still owe the mortgage loan payments, but they will be added to the end of the mortgage loan term

    It is also important to remember that a forbearance is not automatic. You need to contact your lender/servicer to request a forbearance and affirm that you have experienced a negative financial impact due to COVID-19.

    Remember, you may also be eligible for mortgage assistance under the states Homeowners Assistance Fund . Find out more about HAF here.

    The Massachusetts Division of Banks has compiled an extensive list of Frequently Asked Questions regarding the eviction and foreclosure moratorium for more detailed information.

    Federal Resources

    Helpful Links

    Identify And Complain About Housing Discrimination

    Landlords struggle to get their hands on federal rent assistance

    Housing discrimination happens when a housing provider gets in the way of a person renting or buying housing because of their

    • Race or color
    • Familial status
    • Disability

    A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that aids in the homebuying process.

    Housing discrimination is prohibited by the Fair Housing Act. Discrimination covered by the Act can take many forms beyond just raising prices or lying about availability. For example, the Act addresses wheelchair access in some newer properties. Learn what the Fair Housing Act covers, how to complain, and how the investigation process works.

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    The Application Deadline For New Applications Was December 15 2021 At : 00 Pm

    The Emergency Rental Assistance Program is closed to new applications. If you have already submitted an application, it will be reviewed for eligibility and funding. Please check your e-mail for correspondence from a DHCD Reviewer that may ask for additional updated information. DHCD is closing the application portal to address the backlog of applications received and to ensure funding is available for tenants and landlords who have submitted applications. An announcement will be made if or when the application portal re-opens.

    **Please note that the submission of an application does not guarantee approval for ERAP assistance. All applications are carefully reviewed and must meet eligibility requirements. Applications are also subject to the availability of funding at the time of processing.**

    Traducción disponible haciendo clic en la ventana emergente Habilitar Google Translate en la parte inferior de la pantalla de la computadora.

    The Prince Georges County Department of Housing and Community Development offers relief to landlords on behalf of renters and tenants experiencing financial difficulties due to the COVID-19 pandemic for the Emergency Rental Assistance Program . This project is being supported, in whole or in part, by federal award number ERA0202 awarded to Prince Georges County, MD Government by the U.S. Department of the Treasury.

    Find Help In 3 Easy Steps

    The following criteria applies to the programs, resources and organizations listed in Help for Texans only.

    • TDHCA assistance and funds go to local provider organizations, NOT individuals directly.
    • TDHCA does not accept applications from individuals.
    • This page will take you through a process to provide you contact information for those providers for your area.
    • Providers listed may be at capacity with their funds, and may not be able to assist all who call them.
    • If no provider is available, check with your local city or county about available assistance resources.
    • If you have a question about one of our programs or you have an inquiry regarding a TDHCA monitored property, please visit or contact us at .

    Select the type of help you need, enter your city or county, and get a list of organizations that may be able to help you.

    Read Also: Congress Mortgage Stimulus Program Middle Class

    Applying For Rent Assistance For Single Moms By Yourself

    You must be eligible to apply for rental assistance for single moms for you to get rental assistance. First, you have to prove your financial incapacity to meet your rent obligation by providing compelling evidence. Application to the various rental assistance programs is done online by filling out forms and attaching evidence of your inability to pay rent. Involving a third party to guide you in the application process is highly recommended to increase your chances of getting rental assistance for single moms.

    Keeping Families In Their Homes

    Federal CARES Act

    Even as the American economy continues its recovery from the devastating impact of the pandemic, millions of Americans face deep rental debt and fear evictions and the loss of basic housing security. COVID-19 has exacerbated an affordable housing crisis that predated the pandemic and that has exacerbated deep disparities that threaten the strength of an economic recovery that must work for everyone.

    To meet this need, the Emergency Rental Assistance program makes funding available to assist households that are unable to pay rent or utilities. Two separate programs have been established: ERA1 provides up to $25 billion under the Consolidated Appropriations Act, 2021, which was enacted on December 27, 2020, and ERA2 provides up to $21.55 billion under the American Rescue Plan Act of 2021, which was enacted on March 11, 2021. The funds are provided directly to states, U.S. territories, local governments, and Indian tribes. Grantees use the funds to provide assistance to eligible households through existing or newly created rental assistance programs.

    Also Check: Free Government Grants For Dental Implants

    Family Members And Friends

    This is probably my second least favourite route to suggest for those of you who need help paying rent but if you may, then do it.

    Some families and friends are willing to help out but you should always never let them ask you for the money back.

    Pay them the amount you borrowed on time as you agree before they give you any rent money.

    You dont want to burn bridges with family and friends over money but if youre fortunate to have the help then take it if you can.

    For those of you with friends and family who do lend money to help with paying the rent to expect to never see it again.

    I know that sounds harsh but the reality is that when someone is struggling so much it may take forever to pay back a loan if ever.

    How To Get Emergency Housing Assistance

    There are certain requirements that you need to fulfill and those requirements may also differ according to the people and their needs. For example, a senior citizen who is having a disability will get easily qualified for this program. The other requirements include

    A senior citizen with a disability or a person with a disability or a family

    Income is provided by the criteria of the program

    Should be a citizen of the US.

    Can be eligible for non citizen on the special ground.

    Also Check: Congress Middle Class Mortgage Relief

    How To Search For Affordable Rental Housing

    The above mentioned 3 programs are especially for people with low-income groups. If you are a greenhorn and do not know how to search for these programs then you can do the following

    If any need arises and you want to go ahead with privately funded housing then you can visit the website of HUD to get the complete details. Plus, there is a rental management office also where you can make an application.

    Every state in the US has a public housing office you may go ahead and contact your local public housing agency if you want to get into a public housing program. You can also contact them to know about the housing choice voucher program too. In case of queries or complaints, you can contact them.

    Apply For Rental Assistance With Donotpay

    Top 3 Ways To Get Help With Rent – Government Rental Assistance Programs

    DoNotPay helps simplify the entire application process in simple steps. It enables you to bypass frustrating issues like password resets, demanding applications, crashing government websites, and follow-up. We can compose your application letter to Pinellas County Housing assistance program based on your situation and inquire about your best available options.

  • Search for Rental Assistance on DoNotPay.
  • Put together a list of your income, debts, expenses, and assets. If you need help accessing information like your credit report, DoNotPay can help you get your report.
  • Let DoNotPay collect your basic information and compose a letter to your local housing authority requesting rental assistance.
  • Lastly, DoNotPay will send your letter to your local housing authority.
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    Details On The Emergency Rental Assistance Program

    The new Emergency Rental Assistance Program leverages new federal funding for eligible low-income tenants who are in need of financial assistance. With the launch of the Federal Emergency Rental Assistance Program, applicants should not notice significant changes in the application process, and may be eligible to receive funds from either ERAP or RAFT.How does the new Federal Emergency Rental Assistance Program differ from RAFT?ERAP has key differences in program requirements:

    • COVID-19 Impact: Households must provide a statement attesting to unemployment, decreased wages, or increased expenses due to COVID-19. COVID-19 impact can be indirect, and include cases where a household was either directly impacted by COVID-19 OR has been affected by related issues since March 2020. This could include losing a job, having hours reduced, losing access to childcare or dependent care, seeing increased expenses, or something else. Documentation is not required.
    • Higher Benefit and Longer-term relief: Households may be eligible for up to eighteen months of rental arrears and/or future rent, as well as overdue utilities arrears up to $2,500. Applicants who do not receive federal housing subsidies may be eligible for future rent stipends. All rent and utility arrears must have been accrued after 3/13/20.
    • Under RAFT, renters and landlords may receive up to $10,000 until January 1, 2022, when the RAFT maximum benefit limit will decrease to $7,000 per household

    How Long Does It Take To Receive Rental Assistance

    Like many people who are currently facing eviction or who are desperate to be rehoused after eviction, you may be wondering how long it takes to receive rental assistance. Application approval times can vary greatly from agency to agency and program to program based upon several factors:

  • The availability of funding
  • The availability of staff that can process applications
  • The level of demand for housing assistance
  • Making sure that your application is correct and complete, and that you’ve included all of the requested documents can help expedite your review and approval. In many cases, approval times span between just two to six weeks. Best of all, once you’ve applied for funding, the issuing agency can let your landlord know that you’re actively taking steps to resolve your unpaid rent or to pay your required move-in costs.

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    Eligibility For The Hsp Program For Help Paying Rent

    This is where it can get tricky because for all of these support programs that offer help paying rent you must qualify.

    From what Ive read most of the qualifications are similar but its best to call the program for your city.

    Lets have a look at the Windsor eligibility to get help paying rent.

    One point that stood out was that you couldnt be in arrears for more than two months with a late rent payment.

    This is a good reason to know what your community offers for financial assistance so you dont miss an opportunity when needed.

    Another good point is whether you are living in an affordable housing arrangement.

    If you are renting an apartment for example that is far too expensive for any income that you receive you may need to move or risk not qualifying.

    This is always a tough situation since rentals are hard to come by in many Ontario cities and taking the first one offered for peace of mind seems fitting at the time but may hurt you down the road.

  • A resident of Windsor/Essex County * In receipt of Ontario Works or Ontario Disability Support Program , or meet low-income criteria set by the Ministry
  • Have not received HSP assistance in the past 2 years *
  • Have housing costs that are affordable and sustainable
  • Are in rental arrears which do not exceed two months
  • Are in immediate danger of losing their home due to unpaid rent
  • Have resided at the address for a minimum of one year and * Have a documented need to relocate .
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