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Government housing authorities.

Housing authorities at the local and state government level provide a number of assistance programs to renters, homeowners, and first time homebuyers. Services offered to people who rent their homes or apartments range from funds as a form of direct rent assistance, section 8 vouchers applications, eviction prevention, HUD counseling, and help with moving into a new home or apartment. Some counties may even issue loans that can be used to pay a security deposit on a new low income home or apartment.

Some of the government housing assistance programs for owners and homebuyers include free foreclosure prevention and low interest rate mortgages for buying a home. If you currently own a home, look into grants and low interest loans for home repair assistance and mortgage refinancing. Almost any type of financing issued will come with advice and counseling from a specialist. A number of public and government resources are available from your local housing authority near you to help you meet your needs, and find phone numbers and address of housing authorities for each state below.

Foreclosure prevention for homeowners

The local housing authorities run a variety of programs for homeowners who have received a foreclosure notice and who are at risk of losing their homes. Some of the resources include home loan refinance and modification opportunities, free foreclosure counseling services, and also mortgage assistance in the form of low interest rate loans. Housing Authorities work to help people seeking to buy a home or “save” their existing one.

The local agencies also work closely with government programs as well as non-profit HUD approved housing counselors to provide homeowners with a wide range of free services. This may be public assistance programs, government resources, and free foreclosure help from attorneys or counselors. Whether federal government sponsored loan modifications, or resources from local lenders or banks near you, a housing authority is a great resource.

Rental assistance from your housing authority

Several programs are usually offered by your local housing authority near you. They include housing assistance programs for paying rent, security deposits, as well as emergency resources for preventing evictions and homelessness. Most state housing authorities are also involved in running waiting lists or signing residents up for the section 8 voucher program. In addition, they operate public housing or low income apartments as well.




The programs for rental assistance funding include tenant-based rental assistance (TBRA), Section 8 housing vouchers, and homeless prevention and rapid rehousing. Any type of government rental assistance (other than section 8) is intended to be short term in nature and the primary goal is to provide temporary assistance through an administrator to an individual household or renter. Low income families seeking more long term solutions can look into section 8 near them.

Most housing agencies can also refer families to a number of local charities, non-profits, government agencies, and other organizations in their local county, town, or city for additional help. There are amny state resources out there. Find information on emergency rent assistance.

Homeownership and buying programs from Housing Authorities

Families and individuals who are in the market to purchase a home can receive assistance from their local housing authority. Most of the organizations offer a number of services to first time homebuyers, including affordable mortgage programs, emergency loan programs and tools as well as resources for homebuyers. There may also be cash grants to help with closing costs or downpayments.

A housing authority near you is a great place for homeowners to learn about the banks and lenders they work with in their local community. Some agencies can even offer direct down payment as well as closing cost assistance. This can be a loan or maybe a federal grant program for the buyer. Programs can offer low- and very low-income individuals help coming up with the funds for their down payment and closing cost assistance.

Home repairs

Low income individuals can apply for low interest loans that can assist homeowners in financing basic home improvements. These loans can usually be applied towards improvements that directly affect the safety, energy efficiency, habitability, or accessibility of their homes. Housing authorities can approve other repairs on a one off basis too.

A focus of many local housing agencies will be on energy conservation improvements to homes, such as insulation, windows, new roofs, and central air conditioning and furnaces. They also focus on helping seniors as well as the disabled to ensure they have a safe place to live.

Local Government Housing Authorities near you

Below are the addresses, phone numbers, and contact information for public government housing agencies by state. They have information on a number of programs for low income families. Many cities and counties also have a public government or housing agency (PHA) that operates in their immediate area near them, and the state resources listed below can provide you with that information. Or find details on additional government or charitable housing program services. Find more on housing assistance.





Call the agency below to learn about rental assistance, section 8 vouchers, free HUD foreclosure counseling, home buying and other forms of help. These organization administer a number of other services and assistance programs.

Alabama Housing Finance Authority
P.O. Box 242967
Montgomery, AL 36124
Dial (334) 244-9200

Alaska Housing Finance Corporation
P.O. Box 101020
Anchorage, AK 99510-1020
Main telephone number - (907) 338-6100

Arizona Department of Housing/Arizona Housing Finance Authority
1110 West Washington Street, Suite 310
Phoenix, AZ 85007
Phone (602) 771-1000

Arkansas Development Finance Authority
P.O. Box 8023
Little Rock, AR 72201
Telephone: (501) 682-5900

California Housing Finance Agency
P.O. Box 4034
Sacramento, CA 95812-4034
Call (916) 326-8000

Colorado Housing and Finance Authority
1981 Blake Street
Denver, CO 80202-5943
Telephone number - (303) 297-2432

Connecticut Housing Finance Agency
999 West Street
Rocky Hill, CT 06067-4005
Telephone: (860) 721-9501

Delaware State Housing Authority
18 The Green
Dover, DE 19901-3612
Call the agency at (302) 739-4263

District of Columbia Public Housing Finance Agency
815 Florida Avenue, NW
Washington, DC 20001
Telephone: (202) 777-1600

Florida Housing Finance Corporation
227 North Bronough Street, Suite 5000
Tallahassee, FL 32301
Main telephone number - (850) 488-4197

Georgia Department of Community Affairs/Georgia Housing Finance Authority
60 Executive Park South, NE
Atlanta, GA 30329-2231
Telephone: (404) 679-4940

Idaho Housing and Finance Association
P.O. Box 7899
Boise, ID 83707-1899
Call (208) 331-4889

Illinois Housing Development Authority
401 North Michigan Avenue, Suite 700
Chicago, IL 60611-4204
Telephone: (312) 836-5200

Indiana Housing and Community Development Authority
30 South Meridian, Suite 1000
Indianapolis, IN 46204
Main phone - (317) 232-7777

Iowa Finance Authority
2015 Grand Avenue
Des Moines, IA 50312
Telephone number - (515) 725-4900

Kansas Housing Resources Corporation
611 South Kansas Avenue, Suite 300
Topeka, KS 66603-3803
Telephone number - (785) 296-5865





Kentucky Housing Corporation
1231 Louisville Road
Frankfort, KY 40601-6156
(502) 564-7630

Louisiana Housing Finance Agency
2415 Quail Drive
Baton Rouge, LA 70808
Call (225) 763-8700

353 Water Street
Augusta, ME 04330-4633
Telephone number - (207) 626-4600

Maryland Department of Housing and Community Development
100 Community Place
Crownsville, MD 21032-2023
Telephone number (410) 514-7001

One Beacon Street
Boston, MA 02108-3110
Main phone - (617) 854-1000

Michigan State Housing Development Authority
735 East Michigan Avenue, P.O. Box 30044
Lansing, MI 48909
(517) 373-6022

Minnesota Housing
400 Sibley Street, Suite 300
St. Paul, MN 55101-1998
Telephone: (651) 296-7608

Mississippi Home Corporation
P.O. Box 23369
Jackson, MS 39225-3369
Call (601) 718-4642

Missouri Housing Development Commission
Address: 3435 Broadway
Kansas City, MO 64111-2403
Telephone: (816) 759-6600

Montana Board of Housing/Housing Division
301 South Park Avenue, P.O. Box 200528
Helena, MT 59601
Call the public agency at (406) 841-2840

Nebraska Investment Finance Authority
1230 O Street, 200 Commerce Court
Lincoln, NE 68508-1423
Telephone number - (402) 434-3900

Nevada Housing Division
1535 Old Hot Springs Road, Suite 50
Carson City, NV 89706
Telephone: (775) 687-2035

Nevada Housing Division - Las Vegas Office
Address: 7220 Bermuda Street, Suite B
Las Vegas, NV 89119
Main telephone number - (702) 486-7220

New Hampshire Housing Finance Authority
P.O. Box 5087
Manchester, NH 03108-5087
Telephone: (603) 472-8623

New Jersey Housing and Mortgage Finance Agency
P.O. Box 18550
Trenton, NJ 08650-2085
Phone number - (609) 278-7400

New Mexico Mortgage Finance Authority
344 4th Street, SW
Albuquerque, NM 87102-3206
Call (505) 843-6880

New York City Housing Development Corporation
Main office - 110 William Street, 10th Floor
New York, NY 10038-3901
(212) 227-5500

New York State Homes and Community Renewal
641 Lexington Avenue, 4th Floor
New York, NY 10022-4503
(212) 688-4000

New York State Homes and Community Renewal - Albany Office
38-40 State Street, Hampton Plaza
Albany, NY 12207-2804
Telephone number - (866) 275-3427

North Carolina Housing Finance Agency
P.O. Box 28066
Raleigh, NC 27611-8066
(919) 877-5700

North Dakota Housing Finance Agency
P.O. Box 1535
Bismarck, ND 58502-1535
Call the agency at (701) 328-8080

Ohio Housing Finance Agency
57 East Main Street
Columbus, OH 43215-5135
Dial (614) 466-7970

Oklahoma Housing Finance Agency
100 Northwest 63rd, Suite 200
Oklahoma City, OK 73116-8250
Main telephone:  (405) 848-1144
One of the programs provided by the state of Oklahoma is focused on renters with medical conditions or mental illnesses. They can receive funds for rent, deposits, and energy bills. Read more on Oklahoma housing assistance.





Oregon Housing and Community Services
725 Summer Street, NE
Salem, OR 97301-1266
Telephone number - (503) 986-2000

Pennsylvania Housing Finance Agency
211 North Front Street
Harrisburg, PA 17101
(717) 780-3800

Rhode Island Housing
Address is 44 Washington Street
Providence, RI 02903-1721
(401) 457-1234

South Carolina State Housing Finance and Development Authority
300-C Outlet Pointe Boulevard
Columbia, SC 29210
Telephone: (803) 896-9001

South Dakota Housing Development Authority
P.O. Box 1237
Pierre, SD 57501-1237
Main telephone: (605) 773-3181

Tennessee Housing Development Agency
404 James Robertson Parkway, Suite 1200
Nashville, TN 37243-0900
Dial (615) 815-2200 for information

Texas Department of Housing and Community Affairs
P.O. Box 13941
Austin, TX 78711-3941
(512) 475-3800

Utah Housing Corporation
2479 South Lake Park Boulevard
West Valley City, UT 84120
Main number is (801) 902-8200

Vermont Housing Finance Agency
P.O. Box 408
Burlington, VT 05402-0408
(802) 864-5743

Virginia Housing Development Authority
Main office address - 601 South Belvidere Street
Richmond, VA 23220-6504
Telephone: (804) 782-1986

Washington State Housing Finance Commission
1000 Second Avenue, Suite 2700
Seattle, WA 98104-1002
(206) 464-7139

West Virginia Housing Development Fund
814 Virginia Street, East
Charleston, WV 25301-2826
Phone (304) 345-6475

Wisconsin Housing and Economic Development Authority
P.O. Box 1728
Madison, WI 53701-1728
(608) 266-7884

Wyoming Community Development Authority
155 North Beech Street
Casper, WY 82601-1907
Call (307) 265-0603


By Jon McNamara

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