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SINGLE MOM HOUSING RESOURCES

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Housing Resources

At Single Mom, we try to collect all useful information about housing, or any other non-profit organization for Single Moms.  We'll keep looking out for you with all the latest information.  Please let us know if you have any suggestion or information about grants that are available for single mothers: Contact Us Page

Please browse through these "FAQ Questions & Answers" before send us an email. We will NOT reply to your email if your question is the same or similar to our FAQ.
 
Government Resources
Housing Loans for Very Low to Moderate Income Individuals in Rural Area
In order to qualify for this benefit program, applicants must have very low-, low- or moderate incomes. Very low-income is defined as below 50 percent of the area median income (AMI); low-income is between 50 and 80 percent of AMI; moderate income is below 115 percent of AMI. Families must be without adequate housing, but able to afford the housing payments, including principal, interest, taxes, and insurance (PITI). Qualifying repayment ratios are 29 percent for PITI to 41 percent for total debt. In addition, applicants must be unable to obtain credit elsewhere, yet have an acceptable credit history. You must also be a US citizen or permanent resident.
http://www.govbenefits.gov/govbenefits/benefits/report.jhtml?dispatch=browse&bid=401

Housing Finance Agency
Housing finance agencies have been around for almost three decades in some states. But because they operate behind the scenes, many home buyers aren't aware of their existence. Their primary mission is to boost homeownership among needy groups, including first-time home buyers, urban shoppers and people with little money for down payments.

You can find a housing finance agency in your state by contacting the National Council of State Housing Agencies at 202-624-7710 or visiting the NCSHA website at www.ncsha.org.

Moving Resources
Tips to make moving more smooth - by Bank of America
Moms suddenly finding themselves moving across town or across the country can make the change easier with a little bit of planning. More than 20 million American households, or at least 16 percent of the population, move every year. Taking a little time to prepare can go a long way to helping the process.

Housing Choice Vouchers
Housing choice vouchers allow very low-income families to choose and lease or purchase safe, decent, and affordable privately-owned rental housing.
Website: http://www.hud.gov/offices/pih/programs/hcv/index.cfm

HOME Investment Partnerships Program
HOME provides formula grants to States and localities that communities use—often in partnership with local nonprofit groups—to fund a wide range of activities that build, buy, and/or rehabilitate affordable housing for rent or homeownership or provide direct rental assistance to low-income people. www.hud.gov/offices/cpd/affordablehousing/programs/home/index.cfm

Homes and Communities - U.S. Department and Urban Development
451 7th Street S.W., Washington, DC 20410
Phone: (202) 708-1112  
TTY: (202) 708-1455
Website: http://www.hud.gov/

Section 8 program:
http://www.fns.usda.gov/wic/ - The WIC program for women, infants & children. They offer variety of helps through local agencies & offices with toll free number & much more.

www.hud.gov/offices/pih/programs/hcv/index.cfm -  About the Housing Choice Voucher Program. Contacting your PHA. Forms and Guidance. Publications and Resources includes links to Section 8 Property Search and more.

Articles, Research & Surveys
American Dream - By Nancy Perry - Buying a home has been part of the American Dream for many decades.  Who doesn’t want the white picket fence and a safe place for our children to play?  So, what’s stopping you?  Ahhhh, that ol’ problem?  Money.  It is true that depending on what part of the country you live in, you will either need a $1,000 or tens of thousands of dollars to start out.  But before we get into the nitty gritty, let’s discover why owning a home is such a smart move. When I purchased my first house I was 38 years old.  I’d wanted to buy a house since my daughter was born 10 years previously, but didn’t think I could.  At the time I would occasionally go into Open Houses and talk with Realtors, who often said things like, “You know, you probably can qualify for a home, I have a lender who can help you.”  But I didn’t really believe them.  Not that I thought they were lying, I just thought they didn’t really know what my finances were like.  So, we waited.

How to Attain your Dreams on a Single Income - By Kelly Kennedy from www.singlemotherresources.com - If you recently became a single parent and see your dreams being washed away because you feel all alone, you aren’t alone.  There are single parents that face future endeavors alone like dating again, living on one income, and buying the home they’ve always imagined.  It is possible to do things on your own, be successful, and enjoy every bit of getting to where you want to be in life. Being a single parent can be an everyday struggle but don’t feel you have to give up your goals in life just because you are on your own.  At some point in life, people think about moving whether it is into an apartment, condo, or type of house.  With raising children you usually need a little more space than living alone so a house is an ideal spot for many families either single parent families or both parent families.  Don’t feel as a single parent that you wont be able to afford a house on your own.  Here are a few guidelines to get you started on fulfilling your dreams.

National Notary Association Issues Consumer Tips to Protect Against Mortgage Fraud - by www.NationalNotary.org
Buying a house is usually one of the most joyous purchases in a person's life.  With the increased risks of mortgage fraud, this ebullient moment can quickly be offset by the national-wide problem with mortgage fraud.  Through the first nine months of 2004, mortgage companies and banks have reported more than 12,100 instances of suspicious activity compared with only 4,220 in 2001.

Mortgages: States help for home buyers - States offer home financing for those in need - If you're looking for a mortgage, the best place to start might be your state capital rather than the local mortgage broker's office.

About Co-Adobe.Org - A pioneering non-profit Website, Co-abode.org, offers a unique “matchmaking” service to provide single moms the opportunity to house share, while pooling resources and finances with another single mom of their choosing.

Resources Links
http://www.craigslist.org/ - house-sharing and more.

www.nlihc.org/resources/faq.htm - National Low Income Housing Coalition - FAQ's on housing programs in the U.S.

www.nhlp.org/html/sec8/  - National Housing Law Project Section 8 Housing, Section 8 Housing -- Certificate and Voucher Program General Authorities and Information. Information Packets.

http://www.cfda.gov/public/viewprog.asp?progid=1436 - 14.871 Section 8 Housing Choice Vouchers. ... Renewals: Expiring increments of Section
8 housing choice voucher assistance are automatically renewed by HUD.

www.rentlaw.com/section8.htm - Renter's Insurance Free Quote NetQuote.com. Section 8 - Housing Vouchers. ... Moving Guide. USLegalforms.com. Section 8 Housing Voucher Programs. Renter's Insurance.

The Cohousing Company
1250 Addison, Suite 113
Berkeley, CA 94702
510-549-9980
www.cohousingco.com

Cooperative Resources and Service Project
3551 Whitehouse Place
Los Angeles, CA

Solo Parenting Alliance
139 23rd Ave S
Seattle, WA 98144

Here you will find helpful links to general info on all 50 states as well as organizations. 
www.50States.com 

Housing & all
HomeAdvisor.com - Anything about housing and moving.
HomeStore.com - House tips

Community Action Set Aside (CASA) Minneapolis, MN
State First Time Home Buyer Program in Minneapolis, MN
If you are a single head of household and make less than $61,000 a year.
You may qualify for one or more of the following....

A fixed low interest rate below market rates $3000 down payment assistance $60 a month payment assistance $10,000 equity assistance. Lastly they offer a fixed low interest rate.

Apply to Irwin Today to see if you qualify Elizabeth Reynolds

Cell: 612-251-3371
Fax: 952-546-0359

NOTE: The listing of or omission of an institution, organization or corporation on this Web site does not refer to programmatic capability nor does it confer any official status, approval, or endorsement of the institution or organization itself. This listing does not purport to be a listing of all organizations and corporations. It is not the purpose of this Web site to make, or enable to be made, any representation to the public concerning the organizations listed. This listing is for informational purposes only. Any contributions or submissions you choose to make from links on this Web site are at your sole discretion.