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Who's Eligible for a VA-Backed Loan?

• Veterans
• Active duty personnel
• Reservists/National Guard members
• Some surviving spouses

Go to Eligibility Rules for detailed information.  You might also want to look at our Frequently Asked Questions (FAQs).

How Do I Prove to the Lender that I’m Eligible?

You’ll need a Certificate of Eligibility before you can get a VA-backed loan.  This section shows how you can apply for one. 

Among categories A, B, and C below, find the one that matches your situation.

Category A:  Veterans, Active Duty, and Reservists/National Guard Members Who Have Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:

1. Apply online.  Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  For more information, click on this link for user instructions for applying online.
2. Apply through the lender.  In many cases, lenders can obtain a Certificate online in minutes.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”
3. Apply by mail.  Use VA Form 26-1880.  Return it to the address shown on the form. If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.  We can mail it to you.

Evidence you’ll need when you apply (Category A)

Category B:  Reservists/National Guard Members Who Have Never Served on Active Duty

You can get a Certificate of Eligibility in any of three ways:

1. Apply online. Go to the Veterans Information Portal (http://vip.vba.va.gov) and click on User Registration.  For more information, click on this link for user instructions for applying online.
2. Apply through the lender.  Your lender can submit your application online for you.  Check the table below entitled, “Evidence Needed for the Certificate of Eligibility.”
3. Apply by mail.  Use VA Form 26-1880. If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.  We can mail it to you.

Evidence you’ll need when you apply (Category B)

Category C:  Surviving Spouses of Veterans Who Died In Service or As a Result of Service

You must apply for the Certificate by mail. 

If your veteran spouse died after service, VA must determine that the death was due to a service-connected disability.  Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.

Apply using VA Form 26-1817.  If you can’t print the form, just call 1-888-244-6711 and follow the prompts for Eligibility.  We can mail it to you.

Send the completed form to:

VA Loan Eligibility Center
PO Box 20729
Winston-Salem, NC 27120

Evidence you’ll need when you apply (Category C)

What Evidence Will I Need to Get the Certificate?

The evidence you need depends on the nature of your eligibility.  This chart explains.

Evidence Needed for the Certificate of Eligibility

				Back to Category A

				Back to Category B

				Back to Category C

What are housing choice vouchers?
The housing choice voucher program is the federal government's major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market. Since housing assistance is provided on behalf of the family or individual, participants are able to find their own housing, including single-family homes, townhouses and apartments.

The participant is free to choose any housing that meets the requirements of the program and is not limited to units located in subsidized housing projects.

Housing choice vouchers are administered locally by public housing agencies(PHAs). The PHAs receive federal funds from the U.S. Department of Housing and Urban Development (HUD) to administer the voucher program.

A family that is issued a housing voucher is responsible for finding a suitable housing unit of the family's choice where the owner agrees to rent under the program. This unit may include the family's present residence. Rental units must meet minimum standards of health and safety, as determined by the PHA.

A housing subsidy is paid to the landlord directly by the PHA on behalf of the participating family. The family then pays the difference between the actual rent charged by the landlord and the amount subsidized by the program. Under certain circumstances, if authorized by the PHA, a family may use its voucher to purchase a modest home.

Am I eligible?

Eligibility for a housing voucher is determined by the PHA based on the total annual gross income and family size and is limited to US citizens and specified categories of non-citizens who have eligible immigration status. In general, the family's income may not exceed 50% of the median income for the county or metropolitan area in which the family chooses to live. By law, a PHA must provide 75 percent of its voucher to applicants whose incomes do not exceed 30 percent of the area median income. Median income levels are published by HUD and vary by location. The PHA serving your community can provide you with the income limits for your area and family size.

During the application process, the PHA will collect information on family income, assets, and family composition. The PHA will verify this information with other local agencies, your employer and bank, and will use the information to determine program eligibility and the amount of the housing assistance payment

If the PHA determines that your family is eligible, the PHA will put your name on a waiting list, unless it is able to assist you immediately. Once your name is reached on the waiting list, the PHA will contact you and issue to you a housing voucher.

How do I apply?
If you are interested in applying for a voucher, contact the local PHA. For further assistance, please contact the HUD Office nearest to you.

Local preferences and waiting list - what are they and how do they affect me?
Since the demand for housing assistance often exceeds the limited resources available to HUD and the local housing agencies, long waiting periods are common. In fact, a PHA may close its waiting list when it has more families on the list than can be assisted in the near future.

PHAs may establish local preferences for selecting applicants from its waiting list. For example, PHAs may give a preference to a family who is (1) homeless or living in substandard housing, (2) paying more than 50% of its income for rent, or (3) involuntarily displaced. Families who qualify for any such local preferences move ahead of other families on the list who do not qualify for any preference. Each PHA has the discretion to establish local preferences to reflect the housing needs and priorities of its particular community.

Housing vouchers - how do they function?
The housing choice voucher program places the choice of housing in the hands of the individual family. A very low-income family is selected by the PHA to participate is encouraged to consider several housing choices to secure the best housing for the family needs. A housing voucher holder is advised of the unit size for which it is eligible based on family size and composition.

The housing unit selected by the family must meet an acceptable level of health and safety before the PHA can approve the unit. When the voucher holder finds a unit that it wishes to occupy and reaches an agreement with the landlord over the lease terms, the PHA must inspect the dwelling and determine that the rent requested is reasonable.

The PHA determines a payment standard that is the amount generally needed to rent a moderately-priced dwelling unit in the local housing market and that is used to calculate the amount of housing assistance a family will receive. However the payment standard does not limit and does not affect the amount of rent a landlord may charge or the family may pay. A family which receives a housing voucher can select a unit with a rent that is below or above the payment standard. The housing voucher family must pay 30% of its monthly adjusted gross income for rent and utilities, and if the unit rent is greater than the payment standard the family is required to pay the additional amount. By law, whenever a family moves to a new unit where the rent exceeds the payment standard, the family may not pay more than 40 percent of its adjusted monthly income for rent.

The rent subsidy
The PHA calculates the maximum amount of housing assistance allowable. The maximum housing assistance is generally the lesser of the payment standard minus 30% of the family's monthly adjusted income or the gross rent for the unit minus 30% of monthly adjusted income

Can I move and continue to receive housing choice voucher assistance?
A family's housing needs change over time with changes in family size, job locations, and for other reasons. The housing choice voucher program is designed to allow families to move without the loss of housing assistance. Moves are permissible as long as the family notifies the PHA ahead of time, terminates its existing lease within the lease provisions, and finds acceptable alternate housing.

Under the voucher program, new voucher-holders may choose a unit anywhere in the United States if the family lived in the jurisdiction of the PHA issuing the voucher when the family applied for assistance. Those new voucher-holders not living in the jurisdiction of the PHA at the time the family applied for housing assistance must initially lease a unit within that jurisdiction for the first twelve months of assistance. A family that wishes to move to another PHA's jurisdiction must consult with the PHA that currently administers its housing assistance to verify the procedures for moving.

Roles - the tenant, the landlord, the housing agency and HUD
Once a PHA approves an eligible family's housing unit, the family and the landlord sign a lease and, at the same time, the landlord and the PHA sign a housing assistance payments contract that runs for the same term as the lease. This means that everyone -- tenant, landlord and PHA -- has obligations and responsibilities under the voucher program.

Tenant's Obligations: When a family selects a housing unit, and the PHA approves the unit and lease, the family signs a lease with the landlord for at least one year. The tenant may be required to pay a security deposit to the landlord. After the first year the landlord may initiate a new lease or allow the family to remain in the unit on a month-to-month lease.

When the family is settled in a new home, the family is expected to comply with the lease and the program requirements, pay its share of rent on time, maintain the unit in good condition and notify the PHA of any changes in income or family composition.

Landlord's Obligations: The role of the landlord in the voucher program is to provide decent, safe, and sanitary housing to a tenant at a reasonable rent. The dwelling unit must pass the program's housing quality standards and be maintained up to those standards as long as the owner receives housing assistance payments. In addition, the landlord is expected to provide the services agreed to as part of the lease signed with the tenant and the contract signed with the PHA.

Housing Authority's Obligations: The PHA administers the voucher program locally. The PHA provides a family with the housing assistance that enables the family to seek out suitable housing and the PHA enters into a contract with the landlord to provide housing assistance payments on behalf of the family. If the landlord fails to meet the owner's obligations under the lease, the PHA has the right to terminate assistance payments. The PHA must reexamine the family's income and composition at least annually and must inspect each unit at least annually to ensure that it meets minimum housing quality standards.

HUD's Role: To cover the cost of the program, HUD provides funds to allow PHAs to make housing assistance payments on behalf of the families. HUD also pays the PHA a fee for the costs of administering the program. When additional funds become available to assist new families, HUD invites PHAs to submit applications for funds for additional housing vouchers. Applications are then reviewed and funds awarded to the selected PHAs on a competitive basis. HUD monitors PHA administration of the program to ensure program rules are properly followed.

Additional Information and other subsidy programs
For additional information about the voucher program, contact either the
local PHA serving your community or the Office of Public Housing within your local HUD office. There may be a long wait for assistance under the housing voucher program. If the PHA also administers the public housing program,applicants for the housing choice voucher program may also ask to be placed on the waiting list for the public housing program. HUD also administers other subsidized programs and you may obtain a list of programs in your area from the Office of Housing at your local HUD office.

What regulations cover this program?
Regulations are found in 24 CFR Part 982.

CLICK HERE

Frequently Asked Questions
about HUD's Reverse Mortgages
   

Want More Information?     -

Learn more about HECMs and understand your options...
Go to HECM Home Page.

The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. The HECM is a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements and more. You can receive additional free information about reverse mortgages in general by contacting the National Council on Aging at (800) 510-0301 or downloading their free booklet, "Use Your Home to Stay at Home," a guide for older homeowners who need help now. It's smart to know more about reverse mortgages, and decide if one is right for you!

1. What is a reverse mortgage?

A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

2. Can I qualify for FHA's HECM reverse mortgage?

To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.

3. Can I apply if I didn't buy my present house with FHA mortgage insurance?

Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new FHA HECM will be FHA-insured.

4. What types of homes are eligible?

To be eligible for the FHA HECM, your home must be a single family home or a 1-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible.

5. What's the difference between a reverse mortgage and a bank home equity loan?

With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home, sales price or FHA's mortgage limits, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you may borrow.

With a HECM, you don't make monthly principal and interest payments, the lender pays you according to the payment plan you select. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment."

6. When does my loan become due and payable?

A HECM loan must be repaid in full when you die or sell the home. The loan also becomes due and payable if:

    * You do not pay property taxes or hazard insurance or violate other obligations.
    * You permanently move to a new principal residence.
    * You, or the last borrower, fail to live in the home for 12 months in a row. An example of this situation would be if you (or the last borrower) were to have a 12-month or longer stay in a nursing home.
    * You allow the property to deteriorate and do not make necessary repairs.

7. Will I still have an estate that I can leave to my heirs?

When you sell your home, you or your estate will repay the cash you received from the reverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs.

8. How much money can I get from my home?

The amount you can borrow depends on:

    * Age of the youngest borrower
    * Current interest rate
    * Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price
    * The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option)

You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select an online calculator from the HECM Home Page. You can use an like the one on the AARP website to get an idea of what you may be able to borrow.

9. Should I use an estate planning service to find a reverse mortgage?

FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA lender. FHA provides this information free, and HECM housing counselors are available for free or at very low cost, to provide information, counseling, and a free referral to a list of FHA-approved lenders. Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you.

10. How do I receive my payments?

You have five options:

    * Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
    * Term - equal monthly payments for a fixed period of months selected.
    * Line of Credit - unscheduled payments or installments, at times and in amounts of your choosing until the line of credit is exhausted.
    * Modified Tenure - combination of line of credit with monthly payments for as long as you remain in the home.
    * Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower.

Go to HECM Home Page.
   
 
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HOUSING

Branson Mo housing, tri lakes housing

During the depression and WWI and II, everyone had financial problems and wondered how they would make it. The answer was simple. Several families moved in together and shared all expenses. Many people with huge houses rented rooms out. Everyone shared the kitchen, dining room, and bathrooms. They either bought food together and took turns cooking or they each had a shelf in the refrigerator and certain cupboards. Most often padlocks were put on the cabinets to insure no one bothered another's items. Whoever had a car would help others who didn't have transportation and they would share the cost of gas. People learned to live with one another out of necessity and most often became best of friends.

Christian Associates of Table Rock Lake (417) 739-3200 Kimberling City, MO 65686 Emergency financial and emotional assistance. They can help you with utilities, food, and temporary housing. Christian Associates now has grant money to help those from becoming homeless in both Stone and Taney County.

Homeless Hotline 474-4599

HUD (417) 864-3444 Springfield This is the office residents of Stone, Taney and Christian counties need to go to. If you qualify, HUD will pay a large portion of your rent or mortgage payment and they have lists of available apartments and houses. Did you know they also have a program to buy a house or mobile home and they pay a portion of your mortgage payment depending on your income? Did you know they also have a program to fix up your house?

New Life Evangelistic Center (417) 336-5283 167 St Hwy T Branson, MO Shelter for women and children.

SALVATION ARMY (417) Salvation Army, Branson Corps 1114 Stanley Branson, MO 65616
Mailing Address: PO Box 1715 Branson, MO 65616 Phone: (417) 339-4434 Fax: (417) 335-4094

Office hours are from 8:30am to 3:00pm (please change information on website)
We close for lunch from noon to 1:00pm.
Grocery pantry is currently available on Tuesdays and Thursdays, all day. (please change info on website.)

Monday/Wednesday/Friday is reserved for other service vouchers, such as rental assistance, clothing vouchers, etc.
Please call ahead for funding availability.

Salvation Army Thrift Store is located downtown at: 203 Atlantic Street Branson, MO 65616
Phone Number: (417) 337-8269
This is also the number to call for donations, and if a person needs to donate furniture and clothing items.
Thrift Store Hours are from 9:00am to 4:45pm, M-F.
Branson, MO 65616 Emergency assistance to victims of flood, major disasters, and to needy local residents. Help with temporary housing, food, clothing, utilities.

Social Services Taney County 1756 A Bee Creek Rd Branson, MO

Stone County Housing Development (417) 357-6127 And ask for Barbara Booth 108 E 4th St (courthouse 1st floor) Galena, MO bbooth@galenacityhall.org I talked to Barbara today and there are low-income subsidized apartments planned for 2009 in Reeds Spring, MO behind the Stone County Bank on Main Street. Hooray!!!!! Also ask Barbara about buying a house through Rural Development.

The Oaks Retirement (417) 239-1112 127 Hamlet Rd. south of Hwy 65 and Bee Creek Rd.Branson Supported Independent Living

Note: There has been a shortage of inexpensive housing in the area for many years. Check bulletin boards at your local grocery store and laundramats, newspapers, and post a sign yourself “Looking for Housing”. Contact your local church, as many times they know of contacts.

For Homeowners Property tax rebate: The State of Missouri has a program that refunds a portion of the property taxes that eligible homeowners have paid on the home in which they live. This program has two names, the Circuit Breaker program or the Missouri Property Tax Credit program. To be eligible for this program, persons must be, at least, 65 years old. Income cannot exceed $25,000 for an individual or $27,000 for a couple. You may file for the rebate even if you do not have to file an income tax return. You can apply for a rebate for the current tax year, plus, up to three previous years. You will need copies of your tax receipt (marked paid) and proof of income for each year you wish to file for the rebate.

Special Circumstances for Owners and Renters of Mobile Homes

Mobile home owners may be eligible for multiple tax rebates. You may get a rebate on the real estate taxes paid on the land where the mobile home is located. Also, you may be able to get back a portion of the personal property tax you paid on your mobile home if you own it. If you rent the lot on which the mobile home is located, you can apply for a rent rebate. If you rent the mobile home, you can apply for a rent rebate just as a person can on a home or apartment. You can apply for rebates at:

Missouri Department of Revenue 149 Park Central Square, Room 313 Springfield, MO 65806 (417) 895-6474

Southwest Missouri Office on Aging 1735 S. Fort Ave. Springfield, MO 65807 (417) 862-0762/Toll-free: 1-800-497-0822 www.swmoa.com

Home Repairs,Weatherization and Safety Modifications There are several programs available to home owners that can help with home improvement. Eligibility requirements vary. Call OACAC 239-1882

Owner Occupied Rehabilitation Loan Program City of Springfield, MO 65802 840 Boonville Ave., Rm. 308 417-864-1053 www.ci.springfield.mo.us/egov/planning_develoopment/grants/CDBG_owner/ This is a neighborhood improvement program for low income home owners who live within the program's designated area. The program provides low income homeowners with grants and low-interest loans to improve their homes and living conditions.

Connections Council of Churches of the Ozarks 627 N. Glenstone Ave. Springfield, MO 65802 www.ccozarks.com The Connections program relies on volunteers to help low income homeowners make small repairs in their homes.

OACAC Greene County Neighborhood Center 560-A N. Stewart Ave. Springfield, MO 65802 417-447-0554 www.oacac-caa.org OACAC has a program for eligible seniors or disabled persons under age 65 who need to have their homes winterized.

Southwest Center for Independent Living (SCIL) 2864 S. Nettleton Ave. Springfield, MO 65807 417-886-1188 (Voice/TTY) www.swcil.org Ramps: SCIL can construct ramps and handrails for people who need them. Income guidelines apply. Plans and advice available at no charge to those who wish to hire someone to build the ramps themselves.

Safety Equipment for the Home SCIL can provide and install grab bars and other safety devices.

Southwest Missouri Office on Aging (SWMOA) 1735 S. Fort Ave. Springfield, MO 65807 417-862-0762/ Toll-free: 1-800-492-0822 www.swmoa.com SWMOA can help low-income senior home owners or renters obtain safety devices.

United States Department of Agriculture USDA Service Center, Springfield Area (5) USDA Rural Development 688 State Highway B, Suite 400 Springfield, MO 65802 417-831-5246 www.rurdev.usda.gov/mo/rhlgp.htm Low income homeowners in designated rural areas in Greene County may be eligible for grants or low-interest loans to improve home safety and health conditions.

Help with Mortgage Payments OACAC Greene County Neighborhood Center 560-A N. Stewart Ave., Springfield, MO 65802 417-447-0554 www.oacac-caa.org This program is dependent on available funding.

Reverse Mortgage Reverse mortgage is a type of home loan that allows people 60 and older to withdraw equity from their homes. The loan does not have to be paid back until the person no longer resides in the home. The Southwest Missouri Office on Aging has a certified reverse mortgage counselor to assist you. Southwest Missouri Office on Aging (SWMOA) 1735 S. Fort Ave. Springfield, MO 65807 417-862-0762/ Toll-free: 1-800-497-0822 www.swmoa.com

FOR THOSE WHO RENT Rent Rebate The State of Missouri has a program that allows eligible seniors to get back a portion of the rent they pay for a house, apartment, mobile home or mobile lot. Those living in skilled nursing facilities (nursing homes) may, also, be able to get back a portion of the cost of their nursing home lodging. This program has two names; The Circuit Breaker program or the Missouri Property Tax Credit (MO-PTC) program. To be eligible for this program, persons must be, at least, 65 years old. Income cannot exceed $25,000 for an individual or $27,000 for a couple. You may apply for a rebate for the current tax year, plus the three previous years, even if you do not have to file an income tax return. You will need copies of your rent receipts or a letter from your landlord specifying the amount of rent paid. If you are applying for a rebate for nursing home charges, the nursing home can figure the portion that is calculated as your rent. You will, also, need proof of income for each year you wish to file for the rebate.

You can apply for rebates at: Missouri Department of Revenue 149 Park Central Square, Room 313 Springfield, MO 65806 417-895-6474 www.dor.mo.gov

HELP WITH PAYING RENT Subsidized Rental Housing

Subsidized rental housing allows eligible tenants to pay a reduced rental rate based on income. It is a federal program funded by Housing and Urban Development (HUD). Some Senior housing apartment complexes are owned and operated by HUD. Others are privately owned but are approved to receive HUD grants to be able to offer subsidized rental rates.

Subsidized Rental Housing Facilities Serving Greene County

Affordable Housing Action Board 422 E. Brower St. Springfield, MO 65802 (417) 865-4055

Ash Grove Senior Citizens 300 N. Bentley Ave. Ash Grove, MO 65604 (417) 751-2829

Battlefield Towers 1451 E. Woodland St. Springfield, MO 65804 (417) 887-7460

Boston Heights Apartments 701 N. Boston Ln. Republic, MO 65738 (417)732-1868

Coker Apartments 1363 E. Division St. Springfield, MO 65802

Country Club Village 1515 S. Wildan Ave. Springfield, MO 65804 (417) 881-4711

Craigmont Place 2006 W. Harrison St. Springfield, MO 65802 (417) 866-0806

Fair Grove Senior Citizens Housing 99 S. Heritage St. Fair Grove, MO 65648 (417) 759-7403

Glenwood Manor Apartments 2540 N. Delaware St. Springfield, MO 65803 (417) 864-7666

Housing Authority of Republic 621 N. Boston Lane, #24 Republic, MO 65738 (417) 732-7260

Housing Authority of Springfield 421 W. Madison Springfield, MO 65806 (417) 866-4329

Humphrey Properties 2 LLC 2533 W. High St. Springfield, MO 65803 (417) 832-8938

Jenny Lind Hall 711 S. Jefferson Ave. Springfield, MO 65806 (417) 865-3648



Republic Apartments 1405 E. Hines Republic, MO 65738 (417) 732-9014

Senior Citizens Complex 225 W. Pine St. Strafford, MO 65757 (417) 736-3383

Walnut Grove Senior Citizens Housing 212 S. Jefferson St. Walnut Grove, MO 65770 (417) 624-4144

Willard Heights Estates 506 State Highway AB Willard, MO 65781 (417) 883-7887

Willard Retirement Village 304 Knight St. Willard, MO 65781 (417) 742-4434

Branson Housing Authority Oak Manor 320 W Main Branson (417) 334-4236

Branson Manor Apartments Old Country Rd. Branson, MO (417) 334-3800

Crane

Reeds Spring Housing Authority Hwy 13 (hwy to Galena)

Valley View Estates 117 Estate Ln (417) 272-9250 Reeds Spring (near Branson West)

Vouchers for Rental Housing Another kind of subsidy for rental housing is the rental housing voucher. It is similar to subsidized rental housing voucher. It is similar to subsidized rental housing, but is portable. This means that rental property is eligible, as long as it can pass inspection and the landlord is willing to participate in the voucher program. The program determines the amount it will pay directly to the landlord toward the rent (the amount of the voucher). The tenant is responsible for the remainder of the rent. There may be a waiting list. It is important to make application so that you can get on the waiting list. The voucher rental assistance in Greene County (except the city of Springfield):

OACAC (Ozark Community Action Corporation) Greene County Neighborhood Center 560-A N. Stewart Ave. Springfield, MO 65802 417-447-0554 www.oacac-caa.org

The voucher rental assistance in the city of Springfield only:

Housing Authority of Springfield (HAS) 421 W. Madison St. Springfield, MO 65806 ( 417) 866-4329 www.hud.gov

Help with Delinquent Rent or Your First Month's Rent The Ozarks Community Action Corporation (OACAC) is set up to help with rent or rental deposit for a new residence.

Greene County OACAC Neighborhood Center 560-A N. Stewart Ave. Springfield, MO 65802 (417) 447-0554 www.oacac-caa.org

Renters Rights/Responsibilities Landlord and tennant rights are governed by Missouri state law. For questions concerning these laws or a free consumer guide about Missouri's Landlord/Tenant Law, contact the Office of the Missouri Attorney General. A summary of the law can be found on their website. Missouri Attorney General Springfield Office 149 Park Central Square, Suite 1017 Springfield, MO 65806 (417) 895-6567 http://ago.missouri.gov/publications/landlordtenant.htm

Discrimination in Housing

If you believe you have been a victim of housing discrimination, you can contact one of the following for more information:

Mayor's Commission on Human Rights 1514 S. Glenstone Ave. Springfield, MO 65804 (417) 841-3350 www.ci.springfield.mo.us/egov/boards/human_right

The Missouri Commission on Human Rights (MCHR) 505 E. Walnut St. Springfield, MO 65806 Springfield Office: 417-895-5620

U.S. Department of Housing and Urban Development (HUD) Those living in HUD housing call the Housing Discrimination Hotline. Toll-free: 1-800-669-9777 www.hud.gov

For Those Without Housing: This section includes information for those who may be homeless, living in a shelter, in a crisis situation, such as, needing to flee a violent situation. There is also information about a program available for those living in sub-standard housing.

Homeless or Living in a Shelter There are several agencies that specialize in helping people who are homeless or living in a shelter. Some offer lodging, only. Others have people you can talk with about your situation and offer special training or programs to help stabilize your living situation.

Christian Foundation Mission 420 S. Campbell Ave. Springfield, MO 65806 417- 831-5546 This agency has temporary daily lodging for men, only. Lodging is on a first come, first served basis. The men must leave each morning. There is no guarantee that they will be able to stay the next night, but they are not turned away if there is room available.

The Kitchen, Inc. 414 E. Commercial St. Springfield, MO 65803 417-837-1540 www.kitchenministries.org This agency is set up tp provide lodging and other programs for women and families with children. A family is defined as a single mother with children, a single father with children, or a two-parent family with children. They have other programs to stabilize living situations for eligible families. The Fresh Start program, a transitional housing program for families, offers life skills training and support. The Kitchen, also, offers temporary lodging and programs for homeless youth through the Rare Breed of Youth Center. The Kitchen has a medical clinic, pharmacy, food pantry, clothing store, household goods, furniture, classes, counseling, and other programs designed for those with low incomes, including the working poor.

Greene County OACAC Neighborhood Center 560-A N. Stewart Ave. Springfield, MO 65802 417-447-0554 www.oacac-caa.org This agency does not provide lodging, but offers help with housing needs.

Door to Hope Center 1714 Camp Clark Hill Galena 417-357-6263

Valleyview Estates 117 Estate Ln Reeds Spring, MO 417-272-9250

Branson Housing Authority Oak Manor 417-334-4236

Wedgewood Gardens 17996 St Hwy 13 Reeds Spring, MO 417-272-6666 Assisted Living

Disability Services Brooke Care Branson Regional Office 417-334-1217 154 Lost Tree Branson, MO

Code Talk

 Code Talk is a resource page specifically to aid Native Americans electronically with resources.

CLICK HERE

For Website

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Fresno Field Office

Dept. of Housing and Urban Development
Fresno Field Office
855 M Street, Suite 970
Fresno, CA 93721

Phone: (559) 487-5033
Email: Customer Service
Fax: (559) 487-5191
TTY: (559) 487-5498

Jurisdiction: Stanislaus, Madera, Merced, Mariposa, Fresno, Kings, Tulare and Kern Counties in California's Central Valley

Rollie Smith, Field Office Director
Contact the Director's Office

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday
Map to office
Los Angeles Field Office

Dept. of Housing and Urban Development
AT&T Building
611 West Sixth Street,
Suite 800
Los Angeles, CA 90017

Phone: (213) 894-8000
Email: Customer Service
Fax: (213) 894-8096
TTY: (213) 894-8133

Jurisdiction: Primarily Los Angeles, Ventura, Santa Barbara, San Luis Obispo, Mono and Inyo Counties

Ray Brewer, Field Office Director
Contact the Director's Office

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday
Map to office
Sacramento Field Office

Dept. of Housing and Urban Development
John E. Moss Federal Building
Suite 4-200
650 Capitol Mall
Sacramento, CA 95814-3702

Phone: (916) 498-5220
Fax: (916) 498-5262
Email: Customer Service
TTY: (916) 498-5959

Jurisdiction: Northern 23 California Counties: Alpine, Amador, Butte, Calaveras, Colusa, El Dorado, Glenn, Lassen, Modoc, Nevada, Placer, Plumas, Sacramento, San Joaquin, Shasta, Sierra, Siskiyou, Sutter, Tehama, Trinity, Tuolumne, Yolo, and Yuba Counties

Cynthia L. Abbott, Field Office Director
Contact the Director's Office

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday
Map to office
San Diego Field Office

Dept. of Housing and Urban Development
Symphony Towers
750 'B' Street, Suite 1600
San Diego, CA 92101-8131

Phone: (619) 557-5305
Email: Customer Service
Fax: (619) 557-5312
TTY: (619) 557-6296

Jurisdiction: San Diego and Imperial Counties

Frank Riley, Field Office Director
Contact the Director's Office

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday
Map to office
San Francisco Regional Office

Dept. of Housing and Urban Development
600 Harrison Street, 3rd Floor
San Francisco, CA 94107-1300

Phone: (415) 489-6400
Email: Customer Service
Fax: (415) 489-6419
TTY: (415) 489-6735
TTY: (415) 489-6771

Jurisdiction: San Francisco, Alameda, Contra Costa, Marin, Napa, San Mateo, Santa Clara, Sonoma, Solano, Santa Cruz, San Benito, Monterey, Del Norte, Humbolt, Mendocino and Lake Counties

Ophelia Basgal, Regional Administrator
Contact the Administrator's Office

Office Hours: 8:15 a.m. to 4:45 p.m.
Monday through Friday
Map to office
Santa Ana Field Office

Dept. of Housing and Urban Development
Santa Ana Federal Building
34 Civic Center Plaza
Room 7015
Santa Ana, CA 92701-4003

Phone: (714) 796-5577
Email: Customer Service
Fax: (714) 796-1285
TTY: (714) 796-5517

Jurisdiction: Orange, San Bernardino and Riverside Counties

Ray Brewer, Acting Field Office Director
Contact the Director's Office

Santa Ana Homeownership Center
insures single family FHA loans and oversees the selling of HUD homes. The Santa Ana Homeownership Center serves the states of Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon and Washington. We also serve the Pacific Islands of American Samoa, Guam, and the Commonwealth of the Northern Marianas.

Phone: (800) CALL FHA or (800) 225-5342
TTY/TDD: (877) TDD-2HUD or (877) 833-2483
Email: Customer Service
Fax: (714) 796-5521

Office Hours: 8:00 a.m. to 4:30 p.m.
Monday through Friday
Map to office


   
 
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8/28/2010

I called Friday about my status and still on waiting list as it has been two years. I asked why. She said UNTIL HUD releases funds to us we have no money to move people up the list on. So HUD has to do with section 8 housing, any authority housing you will have to wait till funds are available..

Section 203(k)-(14.108 Rehabilitation Mortgage Insurance 203k)

www.hud.gov/improvements/index.cfm

(14.122Mortgage Insurance-Homes in Urban Renewal Areas 220)

www.hud.gov/offices/hsg/mfh/progdesc/progdesc.cfm

Section223(e)-(14.123 Mortgage Insurance-Housing in Older, declining Areas223e)

www.hud.gov

(14.142 Property Improvement Loan Insurance for Improving All Existing Structures ans Building of New Non-reidential Structures Title 1)

www.hud.gov/offices/hsg/sfh/title/ti_home.cfm

Energy Efficient Mortgages Program

www.hud.gov/offices/hsg/sfh/eem/eemhome/cfm

(14.901 Healthy Homes Initative Grants)

www.hud.gov/offices/lead

(14.169) Housing Counseling Assistance Program)

www.hud.gov/offices/hsg/sfh/hcc/hcc_home.cfm

(14.219 Community Development Block grants/Small cities Program)

www.hud.gov/offices/cpd/about/cpd_programs.cfm

Others that maybe of help

www.hud.gov/progdesc/leadindx.html

www.rurdev.usda.gov

(10.405 Farm Labor Housing Loans and grants)

www.rurdev.usda.gov (same as above)

Section 504 Rural Housing Repair and Loan Program

(10.417 Very Low-Income Housing Repair Loans and grants Section 504 Rural Housing Loans Grants)

Money to Improve your Water and Soil

www.fsa.usda.gov

www.nrcs.usda.gov

I am writing a series of articles about how HUD's Homeless Prevention and Rapid Re-Housing Program (HPRP) is working (or not working) in Nebraska. I would love to get feedback from anyone who has been helped by this program as well as those who have had trouble with getting assistance. 

Best time to buy is now people.Rates are at the best ever,and there is all kinds of help with loans and down payment through FHA and HUD.I'm in the market myself and are looking at all the options out there for financing.If anyone out there comes across a great deal or financing,please let me know.

------I am in Colorado. I am pregnant with my first child. The father has choosen not to be with me or help with this pricess. I am currently not working. I am trying to sign up for section 8 or HUD but the offices tell me that htere is a hold and it may be that way for a year. How can I get help with housing?