12 million Americans spend more than half of their income on housing, and many others are struggling to make rent or mortgage payments. If you are one of them, don't give up: there are dozens of government programs designed to help you.
The cost of housing is the single greatest financial burden on many American families, with tens of millions fighting to afford a decent place to live, or sometimes any place to live. A recent report states that a large percentage of renters and home owners in the U.S. now spend over 30% of their monthly income on their rent or mortgage payment. The same study estimates that residents in cities like New York, Miami and Los Angeles spend between 41%-50% of their total income on housing costs. HUD itself estimates that 12 million renters and home owners spend more than 50% of their income on keeping a roof over their heads. Family breadwinners are working long hours, balancing multiple jobs and sacrificing time with spouses and children just to pay for housing. Dealing with other necessities such as food, transportation, utilities and clothing can quickly become unmanageable.
These challenges have been recognized, and there are dozens of Federal, State and private assistance programs designed to help lower and moderate income Americans find affordable homes, pay rent, refinance mortgages, get relief on utility bills and more. Many Americans do not take full advantage of these benefits, often because they aren't aware of the programs or don't realize that they qualify. To use theses options effectively we must be aware of our options and develop a detailed understanding of what each program offers and the unique eligibility requirements and application processes. To assist you, we've assembled a wealth of information designed to serve as a comprehensive educational resource on a variety of important and timely low-income housing related subjects, all in one convenient library.
To help you easily find the information you're looking for, we have separated our resource library into three main sections; Housing Help, Voucher Programs and Home Financial. Below you will find summary information on each of these sections, as well as a short-list of their most viewed guides. A complete list of the articles in each section can be accessed from the drop-down menus at the top of this page or via the accordion menu [≡] on mobile.
Visit the site to learn more....
New free stuff posted everyday - Global Freebies, eFreebies, Free Samples, Products Testing Opportunities & more...