Housing Help
Money, information and services to find, buy
or fix-up a home
...

Matthew lesko General Help Health Help Mental Health Help Housing Help Business Help
Job Help Education and Training Help Financial and Estate Help Legal Help Help for Kids and Pets I Want to Help


Home Mortgage Assistance

Catholic Charities To Help Disaster Victims
United Methodist Church Offers Pastoral Care & Assistance

Baptist Aid
Help for New Yorkers to Pay Their Utility Bills
Guaranteed Home Loans For Victims Of Disaster
Loans For Homeowners & Renters After Disaster
"WOW!...The Government Will Pay My Mortgage"
Your Rich Uncle Will Cosign A Loan To Buy or Fix Up a Home
Money For Seniors And Those With A Disability To Buy or Fix Up A Home
Money To Pay Your Heating Bill
Free Weatherization, Fuel Bills, and Rent for Incomes Up to $50,000
Free Help Fighting a High Electric Bill Or Stopping A Turn-Off
Get An $84 Reduction on Your Telephone Bill
$800 Food Money
Extra Money to Live On
$700 Discount On Your Utility Bills
Virginia Support Services For Victims
Housing Relief for Victims of September 11th Attack
Free Money For Closing Costs and a Down Payment
Free Housing Books
Free Mortgage Publications
Make Money Going To Housing Classes
Free Home Owner Calculators
Home Repair Programs
"Get The Lead Out" And Get Your House Or Apartment Painted For Free
How Lead Paint Can Affect Your Kids
$4,000 Grant To Paint Your Home
Cut Your Rent By 50%
Free Money To Fix Up Your Home
$83,000 / YR Income and The Government Considers You Needy?
Money To Buy And Fix Up A Mobile Home
Lead Poisoning and Your Children
Money For Buying a Condo Or Co-op
Free Houses
Free Legal Help For Renters and Home Buyers
Get Money For Down Payments And Closing Costs Here
Use Your Sweat as a Down Payment and Get a No-Interest Loan
Staying Clear Of Deadly Radon Gases
Is Your Drinking Water Safe?
How To Save Up To $650/Year On Fuel Bills
Volunteers Will Fix Up Your (Or Your Mom's) Home For Free
Free Nutrition Counseling and Classes
How To Keep Your Air Clean Of Asbestos, Carbon Monoxide, and Second Hand Smoke
Government Foreclosed Homes At Bargain Prices
Free Housing Experts
$2,000 Grants or 2% Interest Loan To Fix Up Your Home
50% Discount On a New Heating System
Free Furniture
New Home Help
Emergency Food/Shelter
Free Home Repairs in New York and Connecticut!
Affordable Housing for New York City Residents
Free Groceries for New Jersey Residents
Free Emergency Housing and Childcare in NYC
Will I Lose My Home?
Free Food, Daycare and Housing for Maryland Residents
Help for Rent, Utility Bills, and Transportation for New York Residents
Free Food, Daycare and Housing for New Jersey Residents
Free Food for Long Islanders
Free Food for NYC Residents
Free Food for New Yorkers
Free Food for DC Residents
Free Food For New Jersey Residents
Emergency Housing and Relocation Services for Manhattan Residents
Mortgage Rate Cut For Millitary Personnel

Home Mortgage Assistance
Having trouble paying your mortgage because of the terrorist attacks? Fannie Mae, Freddie Mac, and the U.S. Department of Housing and Urban Development have all agreed to apply disaster relief provisions regarding mortgage payments. This allows lenders to modify payments, by reducing interest payments, extending loan payback times, or even suspending payments. Reduction of interest payments can also be applied to rescue workers. They have also agreed to a moratorium on foreclosures until September 25th. Borrowers need to contact their loan servicer directly to see what services may apply to them.
back to top

Catholic Charities To Help Disaster Victims
Catholic Charities USA, one of the nation's largest, private networks of people helping people, is mobilizing to help victims and their families recover from the devastation in New York, Washington, DC, and Pennsylvania. Some of the services offered are adoption, grief counseling, food and housing. Contact Rev. Msgr. James J. Murray
Executive Director, Catholic Charities of the Archdiocese of New York, 1011 First Avenue, New York, NY 10022; 212-371-1000, ext.2400; 212-826-8795; {www.catholiccharitiesusa.org}.
back to top

United Methodist Church Offers Pastoral Care & Assistance
The United Methodist Committee on Relief is offering pastoral care to traumatized survivors, rescue workers, news media staff, family members, and the thousands of neighbors who witnessed the tragedy and its ongoing aftermath. UMCOR will provide assistance for individuals who have lost their employment and/or housing due to the catastrophe. Other response plans include joining with national Arab-American organizations to encourage peace and cooperation throughout the United States, working with communities to generate projects that promote peacebuilding, and offering workshops on caring for children in the wake of trauma in communities across the country. Contact United methodist Committee on Relief at 800-841-1235; {gbgm-mc.org/UMCOR-Hotline/}.
back to top

Baptist Aid
The Baptist World Aid provides food, shelter, blankets, medicines and other forms of assistance to those who suffered a natural or man-made disaster. Assistance can include the rebuilding of homes and churches once the immediate needs are met. For more information contact Baptist World Aid, 405 N. Washington St., Falls Church, VA 22046; 703-790-8980; Fax: 703-893-160; {BWAid@bwanet.org}.

back to top

Help for New Yorkers to Pay Their Utility Bills
The Home Energy Assistance Program (HEAP) offers qualified apartment renters, homeowners, senior citizens and low-income households assistance in paying their heat, gas and electric bills. HEAP borough offices are available to take applications at the following locations:
Bronx: 1932 Arthur Avenue, Lobby
Brooklyn: 465 Hudson Avenue, Lobby
Manhattan: 330 West 34th St., 2nd Floor
Queens: 161-10 Jamaica Avenue, Second Floor
Staten Island: 10 Richmond Terrace, Room 422A
Phone: 212-227-2810; {www.nyc.gov/html/dycd/html/heap.htm}.
back to top

Guaranteed Home Loans For Victims Of Disaster
The Department of Housing and Urban Development (HUD) assists victims of major disasters in the purchasing a home by providing insured loans. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the principal residence of a borrower who is a victim of a major disaster. Persons are encouraged to contact the Homeownership Center serving their state or the nearest HUD office; {www.hud.gov80/progdesc/203h-dft.cfm}.
back to top

Loans For Homeowners & Renters After Disaster
The Small Business Administration (SBA) provides low-interest (generally 4 percent or less), long-term (up to 30 years) loans to help homeowners, renters and non-farm businesses recover from a disaster. Loan proceeds may be used to repair or replace damaged property that is not fully covered by insurance. Homeowners may apply for up to $200,000 to repair or replace their primary home to its pre-disaster condition, including required city or county building codes that require structural improvements. Contact SBA, 26 Federal Plaza # 3100, New York, NY 10278; 212-264-4354; {www.sba.gov/disaster/}.

back to top

"WOW!...The Government Will Pay My Mortgage"
There are now programs that will make your mortgage payments for you when you get into financial trouble. For example, Pennsylvania law, 35 P.S. § 1680.401 et seq., states it will provide "mortgage assistance payments to homeowners who are in danger of losing their homes through foreclosure and through no fault of their own and who have a reasonable prospect of resuming mortgage payments within the prescribed time frame." Pennsylvania calls it the "Homeowners' Emergency Mortgage Assistance Program." One of the best ways to find out if there are programs like this in your area is to contact the local HUD approved Housing Counseling agencies. To find your closest agency, contact your state housing office, the Housing Counseling Center locator at 1-888-466-3487; {www.hud.gov/ hsgcoun.html}, or Housing Counseling Clearinghouse, P.O. Box 9057, Gaithersburg, MD 20898; 800-217-6970; Fax: 301-519-6655. If your local agency doesn't have money to pay your mortgage, they will certainly help you work out other arrangements with your mortgage company.
back to top

Your Rich Uncle Will Cosign A Loan To Buy or Fix Up a Home
Both the U.S. Department of Housing and Urban Development (HUD) and the Rural Housing Service of the U.S. Department of Agriculture offer loan guarantees to lending agencies around the county. A loan-guarantee assures the lending agency that the government will pay for the loan if you can't. In addition, the Rural Housing Service has a direct loan program that provides loans to lower income families to buy, build, repair, renovate, or relocate their home. This is called the Section 502 Program. To investigate the programs available in your area, contact your local HUD office listed in the blue pages of your telephone book, or U.S. Department of Housing and Urban Development (HUD), 451 7th Street, SW, Washington, DC 20410; 202-708-1112, 800-245-2691; {www.hud.gov}.

To find your local Rural Housing Service, look in the blue pages of your telephone book, or contact Single Family Housing Programs, USDA Rural Housing Service, Room 5037, South Building, 14th St. and Independence Ave., SW, Washington, DC 20250; 202-720-4323; {www.rurdev.usda.gov/rhs/index.html}.

In addition, you may contact your state housing office.
back to top

Money For Seniors And Those With A Disability To Buy or Fix Up A Home
The city of Houston offers $5,000 fix up money for the disabled and elderly in their Emergency Repair Program. Minneapolis offers home repair grants of $10,000 to people with disabilities who have incomes under $18,000. Nebraska has a special low interest loan program to help people with disabilities buy a home.

The Rural Housing Service of the U.S. Department of Agriculture offers special grants through their Section 504 program of up to $7,500 if you're over 62, and need to fix up your home. Programs vary from state to state and city to city, and obviously, many have eligibility requirements.

Contact your city government, your county government and your local community development office to learn about local programs. If you have trouble locating your local community development office, contact National Association of Housing and Redevelopment Officials, 630 Eye St., NW, Washington, DC 20001; 202-289-3500, 877-866-2476, Fax: 202-289-8181; {www.nahro.org}, or Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999, Fax: 301-519-5027; {www.comcon.org}.

To find your local Rural Housing Service, look in the blue pages of your telephone book, or contact Single Family Housing Programs, USDA Rural Housing Service, Room 5037, South Building, 14th St. and Independence Ave., SW, Washington, DC 20250; 202-720-4323; {www.rurdev.usda.gov/rhs/index.html}. In addition, you may contact your state housing office.
back to top

Money To Pay Your Heating Bill
Storm windows, insulation, and even weather-stripping, can help reduce your fuel bill. Families can receive assistance to weatherize their homes and apartments at no charge if you meet certain income guidelines. States allocate dollars to nonprofit agencies for purchasing and installing energy-related repairs, with the average grant being $2,000 per year. The elderly and families with children get first dibs. Contact your State Energy Office or the Weatherization Assistance Programs Branch, EE44, U.S. Department of Energy, 1000 Independence Ave., SW, Washington, DC 20585; 202-586-4074; {www.eren.doe.gov/EE/buildings-state.html}.

back to top

Free Weatherization, Fuel Bills, and Rent for Incomes Up to $50,000
If you are within a certain income and need help paying your heating bills, need money to make your house more energy efficient, or need funds for urgent repairs, call your local Community Action Agency. There are about 1,000 of them around the country to help neighborhoods. They will also come out and check if your home or apartment needs to be more energy efficient.
To find an agency near you, contact National Association of Community Action Agencies, 1100 17th St., NW, Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850; {www.nacaa.org}. Also, your local utility can provide you with or refer you to other programs in your area to analyze your energy usage, recommend energy saving measures, provide fuel and utility assistance to retain or restore service, establish payment discounts based on income and usage, or establish affordable payment plans if you are in arrears. Contact your local utility company to take advantage of these services.
back to top

Free Help Fighting a High Electric Bill Or Stopping A Turn-Off
The state utility commissions can help you fight high gas or electric bills. Some will even come out and make sure that your meter is not over charging you. They don't have money to pay for your bills, but they can negotiate payment arrangements with the company for you or suggest non-profit organizations that may have emergency funds to help. For example Maryland suggests the Fuel Fund for Central Maryland or the Maryland Energy Assistance program. The office can also force the utility not to cut off your service because of medical emergencies or cold weather. Contact your state utility commission for further assistance.
back to top

Get An $84 Reduction on Your Telephone Bill
Link-Up and Lifeline are two government programs that offers up to $84 a year in discounts on your monthly bill and a 50% reduction for your hook-up service, or $30 which ever is less. These programs have income requirements that vary from state to state. Ask your phone company about them, contact your state Utility Commissioner or contact the Federal Communications Commission, 445 12th St., SW, Washington, DC 20554; 888-CALL-FCC; 202-418-0190; {www.fcc.gov}.
back to top

$800 Food Money
You don't get the cash, but you do get it in the form of Food Stamps. The Food Stamp Program was designed to help low-income families buy the food they need to stay healthy and productive. The amount of Food Stamps you get each month is determined by the number of people in your family and by the household income. The average benefit is about $71 dollars a month, but a 4-person household could get up to $408 a month. There are obviously income requirements you must meet. To apply for the Program, look in the blue pages of your telephone book under "Food Stamps," "Social Services," or "Public Assistance." You can also find more information by contacting U.S. Department of Agriculture, Food and Nutrition Service, 3101 Park Ctr. Dr., Park Office Center Bldg., Alexandria, VA 22302; 703-305-2276; {www.fns.usda.gov/fsp}.
back to top

Extra Money to Live On
Struggling to pay bills because you or your child are disabled? Supplemental Security Income (SSI) provides funds to individuals who are 65 or older, or blind, or have a disability and who don't own much or have a lot of income. SSI isn't just for adults. Monthly checks can go to disabled and blind children. There are income requirements you must meet and you or your child's disability will be screened. But it could mean an extra $400 a month and that could help a great deal! For more information, contact Social Security Administration, Office of Public Inquiries, 6401 Security Blvd., Room 4-C-5 Annex, Baltimore, MD 21235; 800-772-1213; {www.ssa.gov}.
back to top

$700 Discount On Your Utility Bills
The legislature in Massachusetts passed a law giving discounts up to $700 on heating bills for families making up to $30,000, along with up to 40% discount on electric bills, $108 off telephone bills, and $100 off oil bills. It's in the Massachusetts Budget for FY 99 (Line Item 4403-2110). Also:

' Mason County in the state of Washington offers a utility bill discount of $12.00 a month for seniors making less than $18,000, and disabled people at 125% of poverty. Contact Public Utility District #3, 307 W. Cota St., Shelton, WA 98584; 800-424-5555; {www.olywa.net/}.

' Phoenix, Arizona offers discounts on utility bills, discounts on phone bills and even help paying utility deposits and heating repairs for low-income residents through the Arizona Public Service Energy Support Program, P.O. Box 6123-086Z, Phoenix, AZ 85008; 800-582-5706; {www.azstamet.com/azinfo/}.

' Ameritech in Illinois gives a 100% discount on connection charges and $5.25 off the monthly bill to low-income residents. To sign up, call Ameritech at 800-244-4444; {www.ameritech.com}.

' Ohio offers reduced or free phone hook up service and possibly $8.00 a month off your phone bill for low-income residents. Contact Public Utilities Commission, 180 E. Broad St., Columbus, OH 43215; 800-686-7826; {www.puc.state.oh.us}.

' Pennsylvania Bell Atlantic offers free telephone hook up and $9.00 monthly discount to low-income residents through Lifeline and Universal Telephone Assistance Programs. To sign up, call 800-272-1006.

Contact your state's utilities office to find out about special discounts on your gas, electric, cable or telephone in your state.
back to top

Virginia Support Services For Victims
Christian Relief Services of Virginia and its affiliates, provide transitional housing and support services for homeless individuals and families in the Fairfax County Virginia area. In addition to direct services, this organization connects the vast resources of America through collaboration and partnership formed with grass roots charitable groups, churches and human services agencies, empowers local volunteers to help those in need in their own communities and enables people to help themselves. Contact Christian Relief Services, 8815 Telegraph Road, Lorton, VA 22079; 800-33-RELIEF; 703-550-2472; {www.christianrelief.org}.
back to top


Housing Relief for Victims of September 11th Attack

The National Association of Realtors has established the Realtor's Housing Relief Fund to help pay the mortgage and rental costs of the families devastated by the terrorist attacks in New York City and Washington, D.C. Families of victims of the tragedy, including fire and emergency personnel, will be eligible for assistance to help offset the costs of mortgage payments and rent. Contact National Association of Realtors, 430 North Michigan Avenue, Chicago, IL 60611; 800-874-6500; {E-Mail: scook@realtors.org}; {www.nar.realtor.com}; {www.relief.realtor.org/}.
back to top

Free Money For Closing Costs and a Down Payment
Houston has a program that offers $4,000 in down-payment and closing costs through their First-Time Homebuyers Program. Iowa offers up to $2,750 in grants for a down-payment. You can be earning up to $65,000 a year and still be eligible for the money in their Down Payment/Closing Cost Grant Program. Many cities, like Minneapolis, will offer interest free loans, called Equity Participation Loans, for up to 10% of the cost of the home. You pay back the money when you sell the house. Programs vary from state to state and city to city. Contact your city government, your county government, and your local community development office to learn about local programs. If you have trouble locating your local community development office, the following organizations may be able to help:
* National Association of Housing and Redevelopment Officials, 630 Eye St, NW, Washington, DC 20001; 202-289-3500; 877-866-2476, Fax: 202-289-8181; {www.nahro.org}
* Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999, Fax: 301-519-5027; {www.comcon.org}
back to top

Free Housing Books
* A Consumer's Guide to Mortgage Settlement Costs
* Home Mortgages: Understanding the Process
* A Consumer's Guide to Mortgage Refinancings
* Consumer Handbook on Adjustable Rate Mortgages
For your copies, contact Board of Governors of the Federal Reserve System, Publications Services, MS-127, Washington, DC 20551; 202-452-3244; {www.federalreserve.gov/}.
back to top

Free Mortgage Publications
The Federal Trade Commission understands this, so they have compiled several brochures to get you started. Some of the titles include: Home Financing Primer, Mortgage Servicing, Mortgage Discrimination, and more. To receive your copies, contact Public Reference, Room 130, Federal Trade Commission, Washington, DC 20580; 202-326-2222; 877-FTC-HELP; {www.ftc.gov}
back to top

Make Money Going To Housing Classes
A HUD-approved housing counseling agency in Philadelphia offers $1,000 in settlement costs to certain people who attend pre-purchase house counseling sessions. A counseling agency in Boston offers new home buyers access to special low down-payment mortgages if they attend pre-housing classes. There are over 350 HUD-approved counseling agencies that offer free classes and help in housing related issues including:
"The Best Way To Buy And Finance A Home"
"Is A Reverse Mortgage For You?"
"Foreclosure and Eviction Options"
'The Best Way To Finance A Home Fix-Up"
These non-profit agencies are trained and approved by the U.S. Department of Housing and Urban Development (HUD). To find your closest agency, contact your State housing office listed in the blue pages of your phone book, the Housing Counseling Center locator at 1-888-466-3487; {www.hud.gov/hsgcoun.html}, or Housing Counseling Clearinghouse, P.O. Box 9057, Gaithersburg, MD 20898; 800-217-6970, Fax: 301-519-6655.
back to top

Free Home Owner Calculators
{www.homepath.com/cgi-bin/WebObjects-4/HomePathWOF/wa/calculator}
* How Much Is Your Monthly Payment?
* How Much House Can You Afford?
* What Monthly Payment Is Needed for a House with a Specific Sales Price?
* How Much House Can You Afford with a Specific Monthly Payment?
* Is Now A Good Time To Refinance?
back to top

Home Repair Programs
Here are a few HOME REPAIR programs we found that were available at the time we were doing research. Things change, but make sure to contact local agencies to see what may be available to you!
* City of Sunnyvale, Housing Division, P.O. Box 3707, Sunnyvale, CA 94088, 408-730-7444
www.ci.sunnyvale.ca.us/community-dev/housing/ index.htm
* Tacoma Community Redevelopment Authority, 747 Market St., Room 1036, Tacoma, WA 98402
253-591-5213, www.ci.tacoma.wa.us/CityHall/cbcdesc.htm#Redevelopment
* Community Development, City of Canton, 18 Cleveland Ave., SW, Canton, OH 44702, 330-489-3040,
www.canton-ohio.com/canton/homerep.html
* Minneapolis Community Development Agency, Crown Roller Mill, 105 Fifth Ave. S, Suite 200, Minneapolis, MN 55401, 612-673-5286
* Los Angeles Housing Department, 111 N. Hope St., Lobby Level, Los Angeles, CA 90012, 213-369-9175; 800-994-4444, www.cityofla.org/LAHD
* Department of Housing and Community Development, 300 W. Washington St., P.O. Box 3136, Greensboro, NC 27402, 336-373-2755, www.ci.greensboro.nc.us/HCD/
* Metropolitan Development and Housing Agency, 701 S. 6th St., Nashville, TN 37202, 615-252-8530, www.nashville.org/mdha
* Department of Community Development, Neighborhood Conservation Services Division, 602 E. 1st St., Des Moines, IA 50309, 515-283-4787
* Low-Income Weatherization Program, Housing Authority and Community Services Agency, 177 Day Island Rd., Eugene, OR 97401, 541-682-3755, www.hacsa.org
back to top

"Get The Lead Out" And Get Your House Or Apartment Painted For Free
If you are living in a house or apartment that was built before 1978, you, or even your landlord, may be eligible for grant money and other assistance to make sure that you do not suffer the effects of lead poisoning from lead-based paint. Chips or dust from this type of paint can be highly dangerous to humans, especially children. The U.S. Department of Housing and Urban Development spends over $60 million a year helping home owners and apartment owners eliminate the problems that may be caused by lead paint. Contact your state department of housing listed in the blue pages of your phone book to see if your state has money for lead paint removal.
back to top

How Lead Paint Can Affect Your Kids
Houses and apartments built before 1978 may contain lead contaminated surface dust and paint chips, which, if consumed by children, can result in reduced intelligence, behavioral problems, learning disabilities, and even permanent brain damage. Government sponsored programs can help you inspect your home for lead paint and even get a blood test for your children for potential problems. To find out more about these programs or the effects of lead-based paint, contact the following:
* National Lead Information Center, 1025 Connecticut Ave., NW, Suite 1200, Washington, DC 20036; 800-424-LEAD; {www.nsc.org/ehc/lead.htm}.
* Office of Lead Hazard Control, U.S. Department of Housing and Urban Development, 451 7th Street, SW, Room B-133, Washington, DC 20410; 202-755-1785; Fax: 202-755-1000; {www.hud.gov/lea/leapboff.html}.
back to top

$4,000 Grant To Paint Your Home
That's what Canton, Ohio offers to very low-income residents - grants to paint their house or put on new siding. They feel that an investment like this improves the value of all the properties in the area. Sunnyvale, California offers some of their residents $400 in grant money to paint their homes. And if you're over 60 or have a disability, you can get a $1,200 grant. See if your city or state offers a program like this.
back to top

Cut Your Rent By 50%
Studies show that people with less income pay a higher portion of their salary on housing than people in higher income categories. It is not unusual for a single mom to pay 70% of her salary in rent. The government has a program called Section 8 Rental Assistance Program that offers vouchers and direct payments to landlords. This will, in turn, cut your rent down to only 30% of your income. Of course, there are income requirements for this program. For example, in Arlington Country, VA, a one-person household with an income of $23,000 qualifies for the program. Arlington County also has housing grant rental assistance for low-income elderly, disabled, and working families with children. Some of these programs have waiting lists, but it could be worth the wait. To apply for these federal programs, contact your state housing authority listed in the blue pages of your phone book, your local housing authority, or a community services agency. If you have trouble getting the help you need, you can contact Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999, Fax: 301-519-5027; {www.comcon.org}.
back to top

Free Money To Fix Up Your Home
States, cities, and counties, as well as local community development agencies are providing grants, loans, and even supplies and technical assistance for homeowners who want to fix up the inside or outside of their homes. Many of these have income requirements you must meet. Others offer forgivable loans if you stay in the house a certain number of years. Here are some examples of what communities are offering to their residents:
* Sunnyvale, CA: $2,000 grant for disabled homeowners to fix up anything through the Home Access Grant Program.
* Houston, TX: loans and grants for major repairs through their Housing Assistance Program for the Elderly and Disabled.
* Tacoma, WA: Up to $3,500 loan at 0% interest with no monthly payments through the Major Home Repair Program.
* Minneapolis, MN: $15,000, no interest, and no payments until you sell in their Deferred Rehabilitation Loans.
* Baton Rouge, LA: $20,000 grant to fix up your home through the Housing Rehabilitation Grant Program.
* Los Angeles, CA: Free help with roofing, plumbing, electrical and heating work, painting, deadbolt locks, smoke alarms, screens, windows, and yard maintenance for seniors or disabled persons through the Handy Worker Program.
* Michigan: $1,000 to $10,000 at zero interest, to be paid back when you sell your home through the Rehabilitation Assistance Program.
* Nashville, TN: $18,000 at 3% to fix up your home.
* Lane County, OR: offers grants for weatherization assistance for weatherstripping, storm doors and windows, and insulation.
* Des Moines, IA: offers emergency repair loans.
* Greensboro, NC: has low interest loans for people with incomes over $30,000 and $8,500 grants for people with incomes up to $20,000.
Programs vary from state to state and city to city. Contact your city government, your county government, and your local community development office to learn about local programs. If you have trouble locating your local community development office, the following organizations may be able to help:
* National Association of Housing and Redevelopment Officials, 630 Eye St., NW, Washington, DC 20001; 202-289-3500, 877-866-2476, Fax: 202-289-8181; {www.nahro.org}
* Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999, Fax: 301-519-5027; {www.comcon.org}
* Also be sure to contact your state housing office listed in the blue pages of your phone book.
back to top

$83,000/Yr Income and The Government Considers You Needy?
Many of the government housing programs, especially the grant and low interest programs, may have income requirements. But don't let a good salary stop you from investigating the opportunities. The first time home buyer program in Illinois has income requirements that go up to $83,000.
back to top

Money To Buy And Fix Up A Mobile Home
The city of Sunnyvale, Ca will lend you up to $7,500 at 0-5% interest for a mobile home. New York State offers loans to help you buy a mobile home park or the land your mobile home sits on through their Manufactured Home Cooperative Fund Program. And the U.S. Department of Agriculture has what is called Section 504 funds that allow loans of up to $20,000 to fix a mobile home or to move it from one site to another. Here is how to contact the major programs for manufactured (mobile) homes.
* VA-Guaranteed Manufactured Home Loan
Contact your local office of the Department of Veterans Affairs, or U.S. Department of Veterans Affairs, 1120 Vermont Avenue, Washington, DC 20420; 800-827-1000; {www.va.gov/about_va/programs.htm}.
* FHA Insured Title I Manufactured Home Loan
Contact your local office of Housing and Urban Development, or your state housing office listed in the blue pages of your phone book, or the Housing Counseling Clearinghouse, P.O. Box 10423, McLean, VA 22102; 800-217-6970; {www.hudhcc.org}
* Section 504 Rural Housing Loans and Grants
To find your local Rural Housing Service, look in the blue pages of your telephone book, or contact Single Family Housing Programs, USDA Rural Housing Service, Room 5037, South Building, 14th St. and Independence Ave., SW, Washington, DC 20250; 202-720-4323; {www.rurdev.usda.gov/rhs/index.html}.
* HUD-man Goes After The Mobile Home Salesman
If your mobile home is not all that was promised, call HUD. The U.S. Department of Housing and Urban Development regulates the construction of mobile homes and investigates complaints about their performance. Contact: Manufactured Housing and Standards, Office of Consumer and Regulatory Affairs, U.S. Department of Housing and Urban Development, 451 7th St., SW, Room 9152, Washington, DC 20410; 800-927-2891, Fax: 202-708-4231; E-mail: {jerrold_h_mayer@hud.gov}; {www.hud.gov/fha/sfh/mhs/mhshome.html}.
back to top

Lead Poisoning and Your Children
This publication is free along with three fact sheets, and a list of state and local contacts for additional information. Specific lead questions can be answered by an information specialist at 800-424-LEAD. For more information, contact National Lead Information Center, 1025 Connecticut Ave., NW, Suite 1200, Washington, DC 20036; 1-800-424-LEAD; {www.nsc.org/ehc/lead.htm}.
back to top

Money For Buying a Condo Or Co-op
In 1999 the U.S. Department of Housing and Urban Development will finance about $9 billion for people to buy condominiums. This is almost double the amount financed in 1997. The program is called Mortgage Insurance - Purchase of Units in Condominiums (234c). They also have a special program for units in co-op buildings called Mortgage Insurance - Single Family Cooperative Housing (203n). Contact your local office of Housing and Urban Development listed in the blue pages of your telephone book, or your state housing office listed in the blue pages of your phone book, or the Housing Counseling Clearinghouse, P.O. Box 10423, McLean, VA 22102; 800-217-6970; {www.hudhcc.org}.
back to top

Free Houses
Well, maybe they're not free, but they can cost you as little as a few hundred dollars a month. And maybe they're not in good shape, but many of the programs will also offer you a low interest loan to fix up the house. Some states refer to the program as an Urban Homesteading Act. The idea of the program is that the government gets you a home for next to nothing and you agree to live there for a certain number of years. Minnesota has a program. Baltimore had a very active program for many years. Davenport, Iowa purchases homes, completely rehabs them, and then offers the houses in a lottery each May. You must get a mortgage, but your monthly payments are under $400 a month for a completely rebuilt house! There are some states, like Alaska, that still offer wilderness land for homesteading. Because the houses are so cheap, there is usually a lottery for eligible buyers. Contact your city government, your county government and your local community development office to learn about local programs. If you have trouble finding your local community development agency, the following organizations may be able to help:
* National Association of Housing and Redevelopment Officials, 630 Eye St., NW, Washington, DC 20001; 202-289-3500, 877-866-2476, Fax: 202-289-8181; {www.nahro.org}
* Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999; Fax: 301-519-5027; {www.comcon.org}
* You can also contact your state housing office located in the blue pages of your phone book.
back to top

Free Legal Help For Renters and Home Buyers
It's illegal for landlords, realtors, bankers and others to discriminate against you because of your race, religion, sex, family status, or handicap. Landlords also have rules to follow in dealing with you as a tenant. With the proper free help you can find out how to:
* Stop paying the rent if your toilet doesn't work.
* Get the government to sue your landlord for discriminating against your child.
* Break a lease and not pay a penalty.
* Get your eviction stopped.
* Force a bank to give you a loan for a new home.
* Get your landlord to widen your doorways to fit your wheelchair.
* Get a third party to fight your landlord for you.
To file a complaint or to learn more about your rights in dealing with landlords and people in the housing industry, contact any of the following:
Your state housing office
Your state Attorney General's office
Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Room 5204, 451 Seventh St, SW, Washington, DC 20410; 800-669-9777; {www.hud.gov/hdiscrim.html}
National Fair Housing Advocate Online, Tennessee Fair Housing Council, 719 Thompson Lane, Suite 324, Nashville, TN 37206; 800-254-2166; {www.fairhousing.com}.
back to top

Get Money For Down Payments And Closing Costs Here
The following are examples of financial assistance programs offered by states, cities and counties at the time we were doing our initial research for this book. Be aware that these programs are constantly changing and all have some form of eligibility requirements, but don't let that stop you! New ones are added and old ones may be discarded. To be sure that you are aware of all the programs available in your area, contact your state office on housing (listed in the blue pages of your phone book), your city housing office, your county housing office, as well as any local community development offices that may be in your area. If you need help locating your community development office, the following may be of assistance: National Association of Housing and Redevelopment Officials, 630 Eye St., NW, Washington, DC 20001; 202-289-3500, 877-866-2476; Fax: 202-289-8181: {www.nahro.org}.
* Houston: $3,500 to help with a down payment and closing costs in the First-Time Homebuyers Program.
* Iowa: 5% of your mortgage in grant money for a down payment and closing costs through Down Payment/ Closing Cost Grant Program.
* Minneapolis, MN: $3,000 at 0% interest due when you sell the home
* Michigan: $5,000 at 0% interest and no monthly payments
back to top

Use Your Sweat as a Down Payment and Get a No-Interest Loan
One of the biggest providers of this type of program is the non-profit organization called Habitat for Humanity. You've probably seen them in the news with Ex-President Jimmy Carter helping them build houses. They have even received government money to help support their program. The typical arrangement is for people with incomes between $9,000 and $30,000. You and your family work an average of 300 to 500 hours building your home or other people's homes, and in return you get a home with no down-payment and a very low mortgage payment. Because people provide free labor to build the home, you only pay about $60,000 for a $100,000 home, and you get the money interest free. A typical bank loan can cost you over $700 per month, but through this program you pay only about $200 a month. Other local or national organizations may run similar programs in your area, with or without government financing. To find programs in your area, you can contact:
* Habitat for Humanity International, 121 Habitat Street, Americus, GA 31709; 229-924-6935; {www.habitat.org}. To find a local affiliate, call 229-924-6935, ext. 2551 or ext. 2552
* Information Center, Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999, Fax: 301-519-5027; {www.comcon.org}.
back to top

Staying Clear Of Deadly Radon Gases
Nowadays when you buy a home, you often have a radon level reading taken, but what do the numbers mean? The National Radon Information Hotline has a free brochure that explains what radon is, how to test for it, and more. There is also a Radon FIX-IT Program operated by the Consumer Research Council, a nonprofit consumer organization that provides free guidance and encouragement to consumers who are trying to fix their homes that have elevated radon levels. The Program operates from noon to 8 p.m. EST and has information on reducing elevated radon levels, referrals to experts, and names of contractors who are qualified to help. For more information, contact National Radon Information Hotline at 800-767-7236 (SOS-RADON) and the Radon Fix-It Program at 800-644-6999; or Indoor Air Quality Information Clearinghouse, IAQ Info, P.O. Box 37133, Washington, DC 20013; 800-438-4318; {www.epa.gov/iaq/iaqinfo.html}.
back to top

Is Your Drinking Water Safe?
According to the National Consumer Water Survey, 75% of those surveyed have concerns about the quality of the water they drink. Many people are purchasing bottled water or water purification devices for drinking water, but is it a wise use of your money? The Safe Drinking Water Hotline can answer any question or concern you may have regarding drinking water, and can provide you with publications such as: Is Your Drinking Water Safe?, Home Water Testing, Home Water Treatment Units, Bottled Water fact sheet, and more. Contact Safe Drinking Water Hotline, U.S. Environmental Protection Agency, 401 M St., SW, Washington, DC 20460; 800-426-4791; {www.epa.gov/OGWDW}.
back to top

How To Save Up To $650/Year On Fuel Bills
The average family spends close to $1300 a year on their home's utility bills, and a large portion of that energy is wasted. By using a few inexpensive energy efficient measures, you can reduce your energy bills by 10% to 50%. With the publication, Energy Savers: Tips on Saving Energy and Money at Home, you can go step by step through your home to learn energy saving tips. Topics covered include insulation/ weatherization, water heating, lighting, appliances, and more. There is even a major appliance shopping guide that explains the energy labels on appliances and shows you how to choose the best one for you. The Energy Efficiency and Renewable Energy Clearinghouse can answer your questions on all these topics and has publications and easy to understand fact sheets. Contact the Energy Efficiency and Renewable and Energy Clearinghouse, P.O. Box 3048, Merrifield, VA 22116; 800-363-3732; {www.eren.doe.gov}.
back to top

Volunteers Will Fix Up Your (Or Your Mom's) Home For Free
Many service organizations have begun to organize community service days, where the town is beautified along with certain homes in need of repair. Christmas in April is a national organization with over 185 affiliates that gather together volunteers to help rehabilitate the homes of low-income homeowners. The work is done for free with the goal being to provide a safe and secure home for those in need. An example of a program in the Dallas area is the Volunteer Home Repair and Weatherization Program. This program provides home repairs that improve the health, safety, and energy efficiency of a home for low-income homeowners. Contact your city government, your county government and your local community development office to learn about local programs.
* In the Dallas area, contact Volunteer Home Repair and Weatherization Program, Center for Housing Resources, 3103 Greenwood, Dallas, TX 75204; 214-828-4390, Fax: 214-828-4412; {www.chrdallas.org}
back to top

Free Nutrition Counseling and Classes
Nutrition counseling, menu planning, cooking instruction and comparison shopping is available from your local County Cooperative Extension Service. Group instruction is free of charge, but persons requesting individual lessons are asked to pay for the lesson materials. They also help neighborhoods establish and maintain community gardens, which provide fresh vegetables to area residents. To find an office near you, look in the blue pages of your local telephone book under county government for County Cooperative Extension Service, or contact the state lead office listed in the blue pages of your phone book.
back to top

How To Keep Your Air Clean Of Asbestos, Carbon Monoxide, and Second Hand Smoke
You don't need to hire some high priced consultants to find how to keep the air in your home clean of pollution and other toxic substances. The Indoor Air Quality Information Clearinghouse is the expert on all forms of indoor air pollution. They have publications and information on second hand smoke, asbestos, carbon monoxide, air cleaners, and more. You can contact them at Indoor Air Quality Information Clearinghouse, IAQ Info, P.O. Box 37133, Washington, DC 20013; 800-438-4318; {www.epa.gov/iaq/iaqinfo.html}.
back to top

Government Foreclosed Homes At Bargain Prices
No, they are not giving away the kitchen sink, but you may be able to find some good deals nonetheless. The government sells foreclosed homes all across the country, and even in your neighborhood. You don't need to know someone to get in on these deals. All are sold through real estate agents. Contact your agent, ask about government repossessed homes and they can do a search for you. These are not just HUD homes, but also those from the V.A., Fannie Mae, IRS, Federal Deposit Insurance Corporation, and more. I want to be able to say that they give you these houses at 50% off, but I can't. Most want fair market value, but the government does not want to carry the real estate taxes for all these houses either. You can make a deal that works out best for everyone. For more information, contact HUD USER, P.O. Box 6091, Rockville, MD 20850; 800-245-2691; {www.hud.gov/homesale.html} (Note: this website has links to all the major government home sale programs); U.S. Department of Veterans Affairs, 810 Vermont Ave., NW, Washington, DC 20420; 800-827-1000; {www.va.gov}.
back to top

Free Housing Experts
The HUD website includes text of over 20 helpful guides, such as: How To Buy a Home, How to Get A Mortgage, and Hud-approved Lenders, as well as listings of government homes for sale. These are not just HUD homes, but also those from the Department of Veteran Affairs, General Services Administration, and more. Although the houses are not steals, you can find some great deals. For housing information, call HUD USER, P.O. Box 6091, Rockville, MD 20850; 800-245-2691; {www.hud.gov}.
back to top

$2,000 Grants or 2% Interest Loan To Fix Up Your Home
A family of 4 can be making close to $30,000 year and still be eligible for a 2% interest loan from local Community Action Agency. Some agencies also offer grants or are aware of other local organizations that provide grants. There are about 1,000 of them around the country to help neighborhoods. To find an agency near you, contact National Association of Community Action Agencies, 1100 17th St., NW, Suite 500, Washington, DC 20036, 202-265-7546; Fax: 202-265-8850; {www.nacaa.org}; {www.nemaine.com/whca/housing.htm}.
back to top

50% Discount On a New Heating System
The California Energy Commission offers residences and small businesses up to 50% of the cost of a new heating or air conditioning system if it meets their standards for "emerging renewable technologies," like solar heating, but more. Their program is called Emerging Renewables Buy-Down Program. To learn more, contact California Energy Commission, Energy Call Center, 1516 Ninth St., MS-25, Sacramento, CA 95814; 800-555-7794; {http://energy.ca.gov/greengrid/index.html}. Check with your state utility commission in the blue pages of your phone book to see if your state offers similar programs.
back to top

Free Furniture
The Community Action Agency in Albany, New York offers free furniture for those with a need because of fire or other hardship reasons. Other agencies offer free furniture if you are moving into a Community Action Agency's affordable housing or housing units operated by the agency. See if your local agency offers free furniture. There are about 1,000 of them around the country to help neighborhoods. To find an agency near you, contact National Association of Community Action Agencies, 1100 17th St., NW, Suite 500, Washington, DC 20036; 202-265-7546; Fax: 202-265-8850; {www.nacaa.org};
{http://crisny.org/not-for-profit/acoi/furnit.html}.
back to top

New Home Help
Here's a listing of programs we found that were available at the time we were doing research. Don't forget to contact state and local housing agencies to see what may be available for you.
* Nashville Housing Fund, 806 S. Sixth St., Nashville, TN 37202, 615-780-7016
janis.nashville.org/mdha/housing_fund.html
* Washington County, Department of Housing Services, 111 NE Lincoln St., Suite 200-L, Hillsboro, OR 97124, 503-846-4794, www.co.washington.or.us/deptmts/hse_serv/housemain.htm
* Indianapolis Neighborhood Housing Partnership, 3550 N. Washington Blvd., Indianapolis, IN 46205, 317-925-1400,
www.inhp.org
* Department of Community Affairs, 60 Executive Parks, Atlanta, GA 30329, 800-651-0597,
www.dca.state.ga.us
* State of New York Mortgage Agency, 641 Lexington Ave., New York, NY 10022, 800-382-HOME
www.nyhomes.org/sony/sonyma.html
* Housing Hotline, Division of Housing, Kansas Department of Commerce and Housing, 700 SW Harrison, Suite 1300, Topeka, KS 66603, 800-752-4422, 785-296-5865, www.kansascommerce.com
* Homes For Houston, P.O. Box 1562, Houston, TX 77251, 713-868-8300,
www.ci.houston.tx.us/departme/housing/
* Iowa Finance Authority, 100 E. Grand Ave., Suite 250, Des Moines, IA 50309, 515-242-4990
800-432-7230, www.ifahome.com/home_buyer.htm
* MN Housing Finance Agency, 400 Sibley St., Suite 300, St. Paul, MN 55101, 800-710-8871
651-296-7608, www.mhfa.state.mn.us
* Missouri Housing Development Commission, 3435 Broadway, Kansas City, MO 64111, 816-759-6600,
www.mhdc.com
* Office of Community Development, P.O. Box 1471, Baton Rouge, LA 70802, 225-389-3039
www.ci.baton-rouge.la.us/dept/ocd/Housing/housing.htm
* New Hampshire Housing Finance Authority, 32 Constitution Dr., P.O. Box 5087, Bedford, NH 03110, 800-640-7239,
www.nhhfa.org
* Oregon Housing and Community Services Dept., 1600 State St., Salem, OR 97301, 503-986-2000
www.hcs.state.or.us
* Maine State Housing Authority, 353 Water St., Augusta, ME 04330, 207-626-4600, 800-452-4668
www.mainehousing.org
* Community Development Dept., 1666 N. Main St., Walnut Creek, CA 94596, 925-943-5800
www.ci.walnut-creek.ca.us
* South Carolina State Housing Finance and Development Authority, 919 Bluff Rd., Columbia, SC 29201, 803-734-2207, www.sha.state.sc.us
* Housing Finance and Development Corporation, 677 Queen St., Suite 300, Honolulu, HI 96813
808-587-0567, www.hawaii.gov/hfdc.html
back to top

Emergency Food/Shelter
The Emergency Food/Shelter National Board Program supplements the work of local social service organizations within the United States, both private and governmental, to help people in need of emergency assistance. Program funds are used to provide the following:
*Food, in the form of served meals or groceries.
*Lodging in a mass shelter or hotel.
*One month's rent or mortgage payment.
*One month's utility bill.
*Minimal repairs to allow a mass feeding or sheltering facility to function during the program year.
*Equipment necessary to feed or shelter people, up to a $300 limit per item.
Contact Emergency Food/Shelter National Board Program, 701 North Fairfax Street, Suite 310, Alexandria, VA 22314-2064; 703-706-9660 ; Fax: 703-706-6977; {www.efsp.unitedway.org/index.cfm}; {http://www.efsp.unitedway.org/efspnew/Pages/fundedstates.cfm}.
back to top

Free Home Repairs in New York and Connecticut!
The AmeriCares HomeFront program sponsors an annual, one-day community-based home repair program that assists homeowners and community centers who are physically or financially unable to maintain their homes or facilities. Repairs are made by teams of volunteers at no cost to recipients. HomeFront currently serves Hartford, New Haven, and Fairfield counties in Connecticut as well as Westchester County, New York. Contact AmeriCares Foundation, 161 Cherry St., New Canaan, CT 06840; 800-887-4673; {Email: homefront@americares.org}; {www.americares.org/HomeFront/default.asp}.
back to top

Affordable Housing for New York City Residents
Common Ground Housing works to end homelessness through the creation of innovative and comprehensive programs designed to promote stability and independence for the individuals it serves. Common Ground starts by creating communities where housing is safe, attractive and affordable. They then add support services, like access to medical and mental health care, job training and job placement. Common Ground's three Manhattan offer safe, well-maintained buildings with affordable rents -- set at approximately thirty percent of a tenant's income. Services and amenities such as a library, clinic, computer center, and art studio foster regular interaction with fellow tenants. Contact Common Ground Community, 14 East 28 Street, New York, NY; 212-471-0866.
back to top

Free Groceries for New Jersey Residents
Center for Food Action in New Jersey Inc. supplies a week's supply of groceries for clients with a food emergency. You must have a referral from a human services provider, social service agency, clergy or school personnel to schedule an appointment. Emergency utility and housing assistance may also be available. Contact Center for Food Action in New Jersey Inc., 192 W. Demarest Avenue, Englewood, NJ 07631; 201-569-1804 ext.25; {www.njcommunity.com}.
back to top

Free Emergency Housing and Childcare in NYC
The YMCA is an international community services organization that promotes positive values through programs that build spirit, mind and body welcoming all people with a focus on youth. The YMCA of Greater New York is offering emergency housing, childcare and grief counseling at select branches. (There are over 20 branches in the New York City area). Call 1-877-NYC-YMCA for details. Contact YMCA of Greater New York, 333 7th Avenue, 15th Floor, New York, NY 10001; 212-630-9600; {www.ymca.net}; {www.ymcanyc.org/ygny/response.html}.
back to top

Will I Lose My Home?
The National Association of Realtors has collaborated with local and state agencies in the areas most affected by the terrorist attacks to establish a relief fund to help victims pay for rental and mortgage costs. To become eligible for immediate assistance you must:
*Be an Immediate Family/Household of victims of the four commercial jetliners (American Flights 11 and 77 and United Flights 93 and 175).
*Be employees and visitors of the World Trade Center Towers and the Pentagon.
*Be a police, fire, and emergency personnel responding to the attacks.
Applications are available online at the following address: {http://relief.realtor.org/}.
Contact National Association of Realtors, 430 North Michigan Avenue, Chicago, IL 60611; 800-874-6500;
{www.relief.realtor.org}.
back to top

Free Food, Daycare and Housing for Maryland Residents
Volunteers of America Chesapeake is a national, nonprofit, spiritually based organization providing local human service programs and opportunities including daycare, after school programs, foster care, case management, adoption, summer groups, and group homes. Another service is emergency services including food, clothing, short-term housing and assistance with rent, utilities and transportation bills for families in crisis. Contact Volunteers of America Chesapeake, 7901 Annapolis Road, 2nd floor, Lanham, MD 20706; 301-459-2020; {www.voa.org}.
back to top

Help for Rent, Utility Bills, and Transportation for New York Residents
Volunteers of America of Greater New York is a national, nonprofit, spiritually-based organization providing local human service programs and opportunities. One service is Children and Youth Services that provides daycare, after school programs, foster care, case management, adoption, summer groups, and group homes. Another service is emergency services including food, clothing, short-term housing and assistance with rent, utilities and transportation bills for families in crisis. Contact Volunteers of America Greater New York, 340 W. 85th Street, New York, NY 10024; 212-873-2600; {www.voa-gny.org}.
back to top

Free Food, Daycare and Housing for New Jersey Residents
Volunteers of America of Delaware Valley, New Jersey is a national, nonprofit, spiritually based organization providing local human service programs and opportunities. This organization provides daycare, after school programs, foster care, case management, adoption, summer groups, and group homes. Another service is emergency services including food, clothing, short-term housing and assistance with rent, utilities and transportation bills for families in crisis. Contact Volunteers of America Delaware Valley, 235 White Horse Pike, 2nd floor, Collingswood, NJ 08107; 609-854-4660; {www.vo.adv.org}.
back to top

Free Food for Long Islanders
Long Island Cares was founded in 1980 by the late singer/activist Harry Chapin in response to the immediate needs of hungry Long Islanders. Long Island Cares' goals are to provide emergency food where and when it is needed and to sponsor programs that help families achieve self-sufficiency. Contact Long Island Cares Inc., P.O. Box 1330, West Brentwood, NY 11717; 631-435-1936; {www.licares.org}.
back to top

Free Food for NYC Residents
Food for Survival solicits, collects, warehouses, and distributes food to a wide range of community feeding programs throughout the five boroughs of New York City. An individual can obtain food at a food pantry, soup kitchen, day-care center, senior centers, or at a youth center in the area. Contact Food for Survival, Inc., Hunts Point, 335 Food Center Drive, New York, NY 10474; 718-991-4300; {www.foodforsurvival.org}.
back to top

Free Food for New Yorkers
City Harvest, a non-profit organization founded in 1982, is the largest and oldest food rescue program in the world. City Harvest is committed to feeding hungry people in New York City using a variety of innovative, practical and cost effective methods. City Harvest, 575 8th Avenue, 4th floor, New York, NY 10018; 917-351-8700; {www.cityharvest.org}.
back to top

Free Food for DC Residents
Capitol Area Food Bank is the largest public, non-profit food and nutrition education resource in the Washington, DC area. Through their network of more than 700 member feeding programs, this bank provides food to needy families and families in crisis in the greater metro area. Contact Capitol Area Food Bank, 645 Taylor Street NE, Washington, DC 20017; 202-526-5344; {www.washingtonpost.com/yp/foodbank}.
back to top

Free Food For New Jersey Residents
As a member of New Jersey Voluntary Organizations Active in Disaster, the Community Food Bank of New Jersey works closely with the Federal Emergency Management Administration, the NJ Office of Emergency Management, the Salvation Army, Red Cross and distributes ready-to-eat food, stews, beverages, and paper plates.
* Community Food Bank of New Jersey, 31 Evans Terminal Road, Hillside, NJ 07205, 908-355-3663 www.njfoodbank.org
* Food Bank of South Jersey, 1501 John Tipton Blvd., Pennsauken, NJ 08110, 856-662-4884
www.foodbankssj.org
* Food Bank of Monmouth & Ocena Counties, 516 Passaic Avenue, Spring Lake, NJ 08762, 732-974-2265, www.lonekeep.com/FoodBank
back to top

Emergency Housing and Relocation Services for Manhattan Residents
A Disaster Service Assistance Center is now open in lower Manhattan for individuals affected by the World Trade Center attack. Representatives of city, state, federal and voluntary agencies will staff the center Monday through Friday from 10 a.m. to 8 p.m. and Saturday and Sunday from 10 a.m. to 2 p.m. With the opening of the Disaster Assistance Service Center, New York City, the state of New York and the Federal Emergency Management Agency (FEMA) have brought together a range of disaster-related resources in one place. The center is easily accessible by public transportation and is handicap accessible. Professional childcare workers will be available during center hours of operation. Agency representatives at the Disaster Assistance Service Center can provide advice and information on disaster housing and relocation, unemployment benefits, mental health counseling, low-interest disaster-related loans, legal and insurance issues, and more. Immediate financial assistance for food and clothing and emergency expenses are available. Contact Disaster Service Assistance Center, 141 Worth Street at Centre Street, New York, NY 10013; FEMA's toll-free teleregistration number: 1-800-462-9029.
back to top

Mortgage Rate Cut For Military Personnel
Under the 1940 Solders and Sailors Civil Relief Act, HUD is advising all FHA approved lenders to reduce mortgage interest rates to no more than 6% for military personnel on active duty. The relief act also prohibits any mortgage lender from initiating foreclosure action against persons while on active duty and for three months thereafter. In addition, the act provides renters with protection against eviction and the ability to terminate leases. HUD has also established a toll free number for service men and women with questions concerning their mortgage. Contact U.S Dept of Housing and Urban Development, 451 7Th Street, SW, Washington D.C. 20410; 202-708-1112; 202-708-1455; Toll Free Mortgage Hotline: 1-888-297-8685 (7am to 7pm EST); {www.hud.gov}.
back to top

Thanks to: Mary Ann Martello, Editor; Dixie St. John, Director of Research; Jo Ann Burton, Research; Anna Christenbury, Research; Christyna Copeland, Research; Angela Davidson, Research; Nancy Gibson, Research; Susan Harris, Research; Sandy Hendricks, Research; Frances Kingery, Research; Alex Klapat, Research; Corlyn Krinsky, Research; Elizabeth Leik, Research; Elizabeth Lukes, Research; Cindy Price, Research; Connie Pryor, Research; Amanda St. John, Research; Liz Sweeney, Research; Michelle Thomas, Research; Ed Foti and Jack Lyons, Web Support; Karen Strong, Technical Support; Kim Mattison, Web Construction

Matthew Lesko General Help Health Help Mental Health Help Housing Help Business Help
Job Help Education and Training Help Financial and Estate Help Legal Help Help for Kids and Pets I Want to Help
 

Follow Matthew Lesko on Twitter and FaceBook

 

Subscribe to the Free Money Newsletter
& Receive A Free Ebook, Plus A 4 Day Course On  Free Government Money Strategies!
 


©
Matthew Lesko/Information USA 12081 Nebel St. Rockville, MD 20852 800/955-7653
email us www.leskobooks.com