The State of Oregon has 22 housing authorities that are responsible for providing housing assistance to single mothers with low-income, with disabilities, with visual impairments, and the elderly. It strives to prevent single parents from being homeless with their children because that may have an adverse effect on their growth. This being said, the housing authorities manage various programs aimed at helping with rental subsidy, and homeownership programs.
Oregon Homeownership Stabilization Initiative
The United States Department of Treasury’s Hardest-hit funds make provisions of funds for this Oregon’s Department of Housing and Community Services administered program to help homeowners at risk. Quite often, the owners tend to find themselves on the edge of foreclosure due to failure to pay mortgage and other expenses. The program is commonly known as Home Rescue Program.
The program assist the homeowners with mortgage payments for a maximum period of 1 year equivalent to $20 000. Furthermore, it helps with reinstatement costs up to maximum of $10 000 if one has lost the unit already pending payments. The aim of this program is to extend its help to over 2500 owners across the state based on income limits criteria.
How to apply for this program? There is an application cycle for the program. Call 503-986-2025 for help regarding applications. Online application can also be done at http://www.ohsionline-mpa3.org/default.aspx. You can find more about homeownership programs from http://www.oregonhomeownerhelp.org.
Section 8 Rental assistance for single moms in Oregon
The Department of Housing and Community Services of Oregon controls this program in the state, and funds various public housing authorities to grant the program to the residents per county. In particular, the HUD (Housing and Urban Development Department of U.S) Contract Administration Section (HCA) administers the project-based Housing Choice Voucher Program. It offers the project-based housing assistance to single mothers.
HCA administers about 269 project-based Section 8 contracts in the State of Oregon. It also offers support to property owners, residents and agents. The project-based voucher differs with the tenant-based voucher with the mobility of the voucher. It is instead fixed to the property unlike tenant-based which is fixed to the tenant, and that tenant can move with the voucher to any property. However, the basic rules stay virtually identical in both vouchers. To apply for the program, visit http://www.hud.gov/offices/pih/pha/contacts/states/or.cfm. On this website you will find the contact details of all the public housing agencies that administer the assistance programs.
The tenant-based program is issued to qualifying single moms whose income is very low as it falls within the income limits set by the HUD. In addition, the disabled, blind, and the elderly single mothers are also eligible for the program. So they can benefit from the program with rental subsidies.
The basic rules behind the tenant-based program are that the single mother has to seek for her own apartment in which she can be subsidized to rent. She has to approach the property owners in search for the housing unit. This can only be done after she has been issued with the voucher to search for the dwelling place. The place, however, has to be in compliance with the rent limits per market, and furthermore, has to be within the safety and health standards stipulated by the HUD.
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After the housing unit has been chosen and approved, the mother has to sign the lease agreement with the landlord if that landlord agrees to rent under the Housing Choice Voucher program, and the program too will have a binding contract with the landlord so as to pay the rent on a monthly basis. The mother has to pay 30% of her monthly income on time to the landlord. This 30% is dependent on the unit chosen if it complies with the rent payment standards. If it exceeds then the mom will have to pay more than 30% but below 40% of her income.
The important thing to note is the jeopardy of the voucher on account of drug related activities, criminal activities, and a bad credit record. The single mom looking for assistance must therefore stay clear of those forbidden activities. The credit record can be fixed as soon as possible but unfortunately the other activities are unforgiveable. Should any of the members of the household also be deemed a criminal or drug abuser, the voucher will be jeopardized.
Homeownership for single moms in Oregon
The section of Homeownership in the Oregon’s Department of Housing and Community Services administers the homeownership program for first-time homebuyers, the neighborhood stabilization, rural housing rehabilitation, and foreclosure prevention programs. It is funded by the state to assist low-income residents who are first-time homebuyers to purchase their own homes. It helps them with homebuyer counseling, education, and further helps them to secure home loans of low-interests.
The Homeownership section offers mortgage loans which are below the market rate financed by tax-exempt revenue bonds. Thus the single mom can easily access the loans from this section to be able to purchase the dream home, and therefore have a secure home for her dependants. Both the foreclosure prevention and homeownership assistance are offered by the section in affiliation with the non-profit organizations in Oregon. On the other hand, the neighborhood stabilization program makes use of the funds from the federal government to acquire, redevelop and rehabilitate the foreclosed and abandoned rural homes. The single mothers can therefore benefit from these rehabilitated homes.
Homelessness prevention for single mothers in Oregon
Due to some income reductions, some moms may fail to honor the mortgage payments or rental payments, and consequently be faced with homelessness. The state has Ending Homelessness Advisory Council that is aimed at helping with this prevention. The council was established in the year 2008 by Governor Ted Kulongoski. The council has a plan to reduce and eliminate homelessness that prevails predominantly among low-income single mothers.
To be a single mother in the State of Oregon is not viewed as a disadvantage in sense that one will struggle to have a decent accommodation. The state offers a handful help to the mothers so that they can have a quality life in a secure shelter like many. To apply for the programs that are offered in here, go to the public housing agency to apply and enquire further about other programs of assistance.
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