When someone experiences financial challenges, one of their first worries is about housing. Since it is the biggest bill that people pay each month, they may wonder if they will have difficulty paying their rent or mortgage. Not wanting to become homeless or be evicted, they may know they need help, but are often not sure where to get it from. Knowing what programs provide housing assistance for single mothers in Illinois is crucial. Turning to the housing assistance programs below can help ensure that basic housing needs are met.
It may be especially difficult for single mothers to continue paying their housing bill. They often only have one income coming in, and since the cost of housing has soared in recent years, they may struggle to make ends meet. It is important for them to know where to turn to try and obtain housing assistance. Single moms are not only trying to keep a roof over their head, but also over their children’s heads.
The programs listed below offer housing assistance for those who qualify. To qualify for most of the programs you have to have to meet the low income requirements that they set forth, and you usually have to be a citizen or legal non-citizen. There is no limit to how many programs you can apply for, so be sure to apply for all those you feel qualified for. Applying for multiple programs helps ensure that basic housing needs will be met.
Programs Providing Housing Assistance in Illinois
Housing and Urban Development (HUD) – This is a federal agency that has offices in each state. HUD’s mission is to help people with their housing needs around the country. They aim to help reduce homelessness and keep people able to find affordable housing options. If you meet the low income requirements and are a legal resident of the country, you may be able to take advantage of one of their numerous helpful programs. HUD helps people find affordable housing options, offers rental assistance programs, helps homebuyers avoid foreclosure, and more. They have public housing, or a Section 8 program, which allows people who qualify to live in a government owned housing unit. They also have a voucher program, which will help you pay for rent wherever you choose to live. In addition to paying for the rent, they provide people with weatherization services, which will help lower monthly utility bills, and they will help pay for some necessary home repairs. To get more information about the programs offered through HUD in Illinois, click here.
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211 – To obtain referrals to local housing assistance programs you can call or visit 211. They maintain a database of resources around the country and provide their referral services for free. They have information about some programs that are local to areas that may not be widely available online. All you need to do is call them or visit their website to get the information. To visit their website, click here.
United States Department of Agriculture (USDA) – While this government agency largely focuses on agricultural issues in the country, they do also have a housing program. The housing assistance they offered is called the rural development program. Through the program, those who qualify would be able to get a low interest loan or a grant that can be used to buy or build a home. The condition that comes with this financial assistance, however, is that the home has to be in a rural area of the state. They are encouraging people to live rurally. If you already live in a rural area or you are willing to, then you may be able to get help with housing. If you given a grant you will not have to pay it back, but the loans do have to be paid back. Which one you are granted depends on your income level. To get more information about the rural development program in Illinois, click here.
Illinois Housing Development Authority – This state organization is a housing authority, which is an office that all states have. The mission of the housing authority in each state is to help people with their housing needs. They can help you find affordable housing options, they offer rental assistance, and offer foreclosure assistance programs. Whether you are a home buyer or renter, they have programs that can help if you are experiencing financial difficulties. To get more information about the programs offered through the Illinois Housing Development Authority, click here.
Chicago Housing Authority – For those who live in the Chicago area, they can take advantage of the programs offered through the Chicago Housing Authority. The organization offers public housing and help with paying utility bills. They also offer counseling for those who are interested in purchasing a home, so they can learn more about how to do it and what programs exist to help with the process. Single mothers can get housing assistance if they are renters and if they would like to learn more about buying a home. To get more information, click here.
United Way – This organization has offices around the country, including in Illinois. They offer housing assistance programs, as well as other types of programs, to help people who need financial assistance. They also offer emergency housing resources in addition to rental assistance. To get more information about the programs and locations of the United Way, click here.
You may be able to find housing assistance through your local churches in addition to the programs listed above. Churches are a great resource to the local areas where they are located. They often have programs in place to help the people in their community. Contact your local churches to see if they have programs that can help or if they can refer you to local programs they may know about. Also, contact your local government offices to see if they have information or referrals about housing assistance programs that are local to your area. They often know of programs that you can rely on for help.
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