Low Income Housing Assistance in Maryland

Housing assistance for single mothers in Maryland

The Department of Housing and Community Development in the State of Maryland has a huge contribution towards happiness of single moms in the state. It offers a wide range of aid programs in housing to help prevent the inconvenience of homelessness among the low-income households of these mothers.

The department receives funds for most of the programs from the Department of Housing and Urban Development (HUD) of the United States. The programs such as Section 8 Housing Choice Voucher, Federal Low-Income Housing Tax Credit, Public Housing and Section 811 Project Rental Assistance Demonstration are funded by the federal HUD department. These are not all-inclusive.

The Department of Housing and Community Development administers the aid programs of housing and then contract the local housing agencies to run the programs to suitable families. Families need to apply through these agencies in order to get help. The eligibility rules and other regulations may differ considerably among the agencies. Therefore, it is important to enquire with the local agency before applying to find out if you qualify for the program.

Let’s delve into the details of the programs offered by the State of Maryland in helping its underprivileged single mothers.

RAP (Rental Assistance Program) ” the department gives funds to local government so that the housing subsidies may be offered to single mothers with low-income who are found homeless and in dire need of emergency shelter. The program, RAP, will offer temporary housing for these mothers in an effort to help them achieve self-reliance stage and permanent housing stability.

For the mom to qualify for the program, she has to have the income below 30% of the area median income determined by the HUD. She must be in imminent risk of losing home or homeless already in order to receive the help.

How does the program work? The program gives rental subsidy for a maximum period of 1 year. It also makes available the additional important services that can add value in re-housing the mother. Credit counseling is given and other related services. Contact your local housing agency for the program applications.

Homeownership for the disabled single moms in Maryland ” the disabled single mothers are not forsaken in the State of Maryland. Decent housing for them on account of their low-income in addition to their inability to work normally may seem as an aura of unattainability and may therefore lead to lack of home. The program helps these mothers to buy their own homes at low-interest rates compared to the current trend on the market. The rates vary between 2.75% and 4.75% if expenses of the household are 30% of the interest rate + principal value of mortgage paid monthly.

The income restrictions do differ in counties. For example, the annual income restriction in Washington D.C is $106100, in St. Mary’s County is $89400 and in other counties is $88100. Even if the single mom is not disabled, but living with a disabled person, she can apply on behalf of that disabled person. For easy of application, visit your nearest local housing agency.

Federal Low-Income Housing Tax Credit Program ” the program was established under Tax Reform Act of 1986 which strongly urged the private organizations to build houses for low-income people in return of tax credit. There organizations may be profit-based or non-profit. The single mother can also benefit from this programs but by applying with organizations concerned.

HOPE (Home Owners Preserving Equity) ” the program helps with foreclosure prevention if the mom is facing it due to non-payment of housing she stays in. She can call 877-462-7555..

Section 811 Project Rental Assistance Demonstration Program ” this program focuses mainly on the recipients of Medicaid program who, at the same time, are living with disabilities. These people must have incomes which are below 30% of area median and their age range should be between 18 and 62 years.

The State of Maryland is privileged to administer this program because the federal government has awarded funds for this program to only 13 states out of 50 states. This initiative has started recently in February of 2013. An amount of $10917383 has been awarded to accommodate 150 disabled people in Maryland.

The Department of Housing and Community Development has partnered with the Department of Health and Mental Hygiene and the Department of Disabilities to offer the program. Single moms living disabilities are given rental assistance. They can choose either one-bedroom or two-bedroom housing unit. 30% of units are two-bedroom and the rest are single.

Section 8 Housing Choice Voucher Program ” the most well-known program among the states is Section 8 HCV (Housing Choice Voucher). With this program single moms get rental assistance in any private house of their interests on provision that it meets certain standards. The standards are set by the HUD and require the house chosen to be healthy and safe; furthermore, it has to cost a reasonable price as compared to other houses on the market.

The program is offered by public housing agencies. The Department of Housing and Community Development administer the vouchers in the counties where there seem to be no public housing authority. The single mom has to apply with the relevant authority in the county she resides.

To be eligible for the program, the mom’s income has to be less than the predetermined area median income of 50%. The mother must also know that her eligibility will be reconfirmed yearly as time goes on. She has to be a resident of Maryland. Once the voucher is given, she will have to pay at most 40% towards utilities and rent for the subsidized rental housing she got. Find more about this program at http://www.dhcd.maryland.gov/Website/programs/section8/Default.aspx.

Housing programs for assistance are quite numerous in the State of Maryland. There are some that are in the form of loans that offer interest rates below the market. The main focus of the programs is for single mothers to have a decent and secure place to reside in. find more insight about the programs at the website http://www.dhcd.maryland.gov/. Single mothers in Maryland have no more reasons to complain about homelessness.

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