Single Mother - My Choice

 
 

Different Types of Government Housing Assistance


Keeping a roof over your kids’ heads is extremely tough as a single mother. The impossible juggling act never ends – you’re expected to pay all of the bills, provide the sole love and unconditional support for your children, arrange all childcare, and keep a clean, safe place for your whole family to dwell. It’sa little more than exhausting. It is no wonder one of the most common things that single mothers want information about is housing support. Housing support, for single mothers, is arguably the most important duty. You must give your kids a safe place to live, and there’s no exception to this rule.

Government Housing AssistanceHowever, the sad truth is that this is also one of the most struggled with life challenges for single moms today. If they are renting, then they are having trouble keeping up with their monthly rental payments. If they are homeowners, they’re falling behind on their mortgages. Luckily, there are ways to remedy both of these problems quite easily. The worst thing that you can do is nothing. You must take action in order to get your housing situation under control and provide much-needed stability in your kids’ lives.

Government Housing Assistance for Homeowners

Making Home AffordableThe Obama Administration implemented the Making Home Affordable (MHA) initiative, and its aim is to give struggling homeowners a hand – especially single mother housing assistance. The program provided many different types of mortgage help options, such as:

  • Mortgage modification
  • Refinancingoptions
  • Reducing your interest rate
  • Deferring payments
  • Transition from your home to avoiding foreclosure

This government housing assistance program has been very successful, and many people have been able to keep their homes under this unique initiative. The housing market is still very bad, so now is the best time for you to get help paying your mortgage. You have two factors working in your favor. First, your status as a single mother will give you greater pull with your lending institution.Second, you will simply be considered “one of the casualties” of this economic climate.

Government Housing Assistance for Single Moms Who Rent

Housing Support for Single MothersIf you visit your local Public Housing Agency (PHA), you can find great options for rental assistance. Everyone has an office in his or her area, and making an appointment with a caseworker is just a phone call away. This agency can help you to get the assistance you need to take care of your rental payments, and it also offers help with other related housing bills in the form of grants as well.

If you’resitting there and wondering how much assistance you can possibly get, your answer will depend mainly on your primary income. If you are the sole breadwinner and you qualify, no more than 30% of your income must go towards paying your rent. This means that although you will still be responsible for paying a portion for your rent each month, the government will pick up the tab for the remaining portion until you get a better paying position in your place of employment.