The main requirement of a single mother is to get a proper shelter for herself and for her kids. Living in USA and being a single mother it is very tough to get a proper house and thus we would today discuss about free houses for single mothers. Well, when I say free houses for single mother, I do not mean free, what I mean is the different free assistance program available from the government and other organization which helps a single mom acquire a house for low amount and less interest and good repayment options. Let us see the types of assistance available.
The first on the list is mortgage assistance program or a mortgage grant, which helps a single mom who already owns a house but finds it difficult to make payments, next comes the rental assistance program which helps a single mother to pay off rents, some housing expenses and or security deposits related to the house if required. Many states run their own rental assistance program and even the federal government has its own rental assistance program for single mothers.
You can also look for housing choice voucher program or better known as Section 8, being a part of the HUD (Housing and Urban Development) it aims in providing rent assistance and other variety of facilities to single moms with very low income, in the form of vouchers. The US Department of Housing and Urban Development (HUD) gives funds to public housing agencies (PHAs) who administer a voucher program offering housing choice vouchers. Notably, single mothers are able to choose a single-family home, a townhouse, or an apartment, as long as the unit meets the program’s requirements, so that they are not limited to living in subsidized housing projects. The housing choice vouchers provide rent assistance. The single mother sources a dwelling place that is healthy and safe, according to the PHA’s standards, where the owner is willing to participate in the program. The PHA directly pays the landlord the subsidized portion of the rent, and the single mom pays the difference. The program is open to both US citizens and eligible non-citizens.
In addition to Section 8 the HUD (Housing and Urban Development) also runs other programs for assisting single mothers Section 202 which aims in helping single moms who are also a senior citizen and Section 811 which helps single mother who are disabled. Next in line comes assistance programs related to house loans, if you have a bad credit and you are looking for a home loan then this is the best bet for you, it is known as bad credit home loan, here your income and the stature of being a single mom is taken into consideration and all other steps are taken to make sure you get a shelter for yourself and your kids.
One more help that you can find in terms of free houses for single mother is in the form of low income apartments where if you are a single mother and also live with a very low income then an apartment would be allotted to you for shelter along with your kids, sometimes the apartment as a whole is given to you where you need to pay small money each month and once you complete the total amount the house is yours, for the rest and in maximum cases low income apartments are given on a very low monthly rent to single moms. You can also look for more housing related helps from charitable trusts both government (state run / federal) as well as other private nonprofit seeking organizations. Charities That Offer Housing / Rental Assistance Specifically for Single Mothers / Women:
CoAbode: A free service that specifically targets single moms, where the rent and utility of different single moms are clubbed together and then split equally among all single moms, thus you end up paying less for your housing needs.
The Nurturing Network, Bridge of Hope, Catholic Charities, The Salvation Army, Atlantic City Housing Authority Rental Assistance Program, The Young Women’s Christian Association (YWCA), College Courts Apartments, Mercy Housing .