Housing Assistance for Low-Income in North Dakota

Dealing with housing emergencies? Worry not. There are programs run throughout North Dakota that are designed to offer solutions to your immediate housing problems. Whether you need help with rent, security deposit, mortgage, or temporary housing, there are many options to help out of your situation.

North Dakota Public Housing

Public Housing Program enables qualified low-income families, people living with disabilities, and seniors to have access to safe and decent housing that meets their needs and budget.  The program allows applicants to pay rent they can manage. The U.S. Department of Housing and Urban Development funds the local Public Housing Authorities who manages the public housing units for the low-income families. You must meet the income eligibility and citizenship requirements to qualify for the program assistance. Your family must earn income not exceeding 80% of the area median income. Note that public housing benefits do not work like the Section 8 Housing Choice Vouchers. Applicants cannot choose to live in a house of their choice. Rather, the program assists families willing to live in the public housing unit rented to eligible applicants. Want to apply for the program support? Please check if the subsidized housing units available.

Emergency Solutions Grant (ESG) Program

The purpose of this program is to help people facing housing crisis such as homelessness. The local government units and non-profit agencies run the program activities which are designed to help reduce cases of homelessness in North Dakota. Services include case management, rapid re-housing, transportation, emergency shelter, and referrals to other local community housing resources. To qualify for this program support, you must meet the income eligibility requirements. Your income must not exceed the low-income limits. You must also be homeless or at risk of facing homelessness.

North Dakota Roots Program

Everyone dreams of becoming a homeowner and establish roots in the surrounding community. The North Dakota Housing Finance Agency (NDHFA) helps North Dakotans achieve their dream through the North Dakota Roots Program. The program provides low-interest loans that come with a down payment and closing cost support. Who qualifies for the program assistance? You must meet the low-income requirements. Also, the maximum amount of Roots Program loans must meet the Fannie Mae/Freddie Mac limits or the guarantor or the insurer. Want to apply for the program loan? Please apply with one of the NDHFA’s participating lenders at https://www.ndhfa.org/index.php/homeownership-programs/find-a-lender/.

Start Program

The North Dakota Housing Finance Agency established the Start Program to make homeownership more affordable to the low-income families in North Dakota. Through this program, first-time homebuyers can apply for mortgages. The home mortgages come with a down payment and closing cost support. The program focuses on helping eligible applicants who want to become homeowners but need a little financial support to make their dream come true. Many people are stuck in rental housing because they find it hard to make down payments and cover upfront costs that come with homeownership. That is why the Start Program exists. To help you get out of the renter’s trap. Who is eligible for the program assistance? Based on the size of the family and location, the annual income must not exceed the set limits. You must be willing to contribute at least $500 towards the total purchase price from your own pockets. You must use the property as your primary residence. Find out more at https://www.fha.com/grants/north-dakota-housing-start-program.

North Dakota Foreclosure Support

Have you received a notice of default or foreclosure sale? You can use a foreclosure defense attorney or loan modification attorney to represent your interests and defend your homeownership rights. The Mortgage Relief Project supports attorneys that help you achieve the best outcome in foreclosure or loan modification. Such attorneys represent your case in mediation, hearings and take you through the whole negotiation process. Need to get in touch with a defense attorney? Please visit https://mortgagereliefproject.org/foreclosure-defense-attorneys/. There also foreclosure prevention counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). You don’t have to spend money in private companies to get aces to these services. The non-profit agencies offer foreclosure prevention counseling services free of charge. In most cases, the counseling agencies will recommend that work your case with a defense attorney to increase your chances of getting a better outcome. Find HUD-approved agencies for foreclosure prevention counseling at https://mortgagereliefproject.org/north-dakota-foreclosure-help/.

Making Home Affordable Options Program

The purpose of the Making Home Affordable Options program is to support homeowners through their financial hardships and enable them to cover certain costs. The program comes with many affordable options that offer low-income families the opportunity to stay in their homes, no matter the circumstances. Depending on your financial situation, the program allows all low-income families to lower their monthly mortgage payments and lower their home loan interest rates.  Some of the most commonly used options under this program include:

  • Home Affordable Refinance Program (HARP). The purpose of this program is to help homeowners refinance and lower their home loan interest rates without private mortgage insurance. To qualify for this program assistance, you must be up to date with your mortgage payment and have a desirable history with your servicer. You must have not refinanced your mortgage in the pats under HARP. Find out more at https://helpingamericansfindhelp.org/lower-your-interest-rate-with-home-affordable-refinance-program-harp/.
  • Second Lien Modification Program. The U.S. Treasury Department created this program to help homeowners who have already modified their first mortgage with Home Affordable Modification Program (HAMP) but are still facing financial struggles. How does the program help? The Second Lien Modification Program helps such homeowners reduce their monthly mortgage payments to make homeownership more affordable. Read more about the program at https://helpingamericansfindhelp.org/second-lien-modification-program-2mp/.
  • Home Affordable Foreclosure Alternatives (HAFA) Program. Are facing financial difficulties that make it hard to make your mortgage payments as required? Are you willing to move to more affordable housing? Well, this program is for you. The program helps homeowners who can no longer afford mortgage payments to transition to low-income housing. The program provides two options. That is, selling their home to someone else. In other words, the mortgage servicer allows the homeowner to sell at a lower price than the outstanding mortgage loan. Another option is the Deed-in-Lieu (DIL) of foreclosure. That is where the homeowner is allowed to transfer back the ownership of the property to the mortgage company. Find out more at https://helpingamericansfindhelp.org/home-affordable-foreclosure-alternatives-hafa-program/.

Section 8 Housing Choice Voucher Program

The purpose of this program is to enable low-income families, seniors, and people with disabilities to obtain quality housing that meets their needs and finance. It is a type of payment assistance that subsidize qualified applicant’s rent and allow them to pay less. How does the program work? The program allows applicants to choose where they want to live. Whether it is townhouses, single-family homes, or apartments. The housing unit, however, must meet the quality standards of the program. Your income must meet the low-income limits. Once approved for assistance, the Public Housing Agency will place you on a waiting list and you will receive support once the funds become available. The program participants contribute 30% or 40% of their income towards their monthly rent while the program funds cover the rest of the payment. The payment is directly given to the landlords on behalf of the qualified applicants. For more details about the Section 8 Housing Choice Voucher Program, please visit https://www.hud.gov/states/north_dakota/renting.

North Dakota Low-Income Home Energy Assistance Program (LIHEAP)

The purpose of this program is to help low-income families stay out of the harsh weather. The program is designed for families with low-income and is spending the most of their income to pay for energy bills. The program also works to ensure homes stay weatherized through the weatherization program. Facing crisis? The program offers additional grants to families facing heating emergencies, including threats of disconnection from the energy source. The program aims to make homes more energy-efficient. Find out more at https://www.nd.gov/dhs/services/financialhelp/energyassist.html.

USDA’s Single-Family Housing Direct Home Loans in North Dakota

The purpose of this program is to enable low-income families to obtain quality housing in the USDA-eligible rural areas. How does the program support this? The program provides payment assistance in form of loans which are designed to improve the repayment ability of the applicants. The payment assistance also helps to reduce the mortgage homeowners pay for some time. to qualify for the program support, you must be willing to maintain the property as your primary residence, demonstrate a willingness to make repayment when required, and be genuinely in need of decent housing. your family income must not exceed the limits of area median income. The loans are provided at a fixed interest rate of 1% and are repayable over 33 years. The extremely low-income families are given up to 38 years to repay the debt. Want to apply? Please visit http://rd.usda.gov/contact-us/state-offices. For more details about the program assistance, visit https://www.rd.usda.gov/programs-services/single-family-housing-direct-home-loans/nd.

USDA’s Single-Family Housing Repair Loans & Grants in North Dakota

The program is also referred to as the Section 504 Home Repair Program and is designed to provide financial support to homeowners through loans and grants. What are the funds used for? The program provides loans to low-income families to enable them to improve the condition of their homes through repairs. On the other hand, grants are issued to senior homeowners to help them deal with threats that could tamper with the health and safety of their homes. who qualifies for the program assistance? You must show documents that prove you are the homeowner and that you occupy the property. Have you tried to borrow loans from convention loan programs? You must have tried that without success. For grants, you must be 62 years or more and demonstrate an inability to repay the funds. However, you will repay grants when you resell, refinance, or change the ownership of the property within three years of receiving the program assistance. Find out more at https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants/nd.

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