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Housing For Single Mothers In Florida Article
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Finding Housing Programs For Single Mothers
from: Karlie BestlerAs a single mother, you may finally find yourself in a position to buy your own home, but, where do you start? Are there housing programs for single mothers? There are many places to find available housing programs, maybe not specifically aimed at single mothers, that do provide safe, affordable housing for low-income segments of the population.
HUD
The Department of Housing and Urban Development (HUD) has information on housing counseling and lists of local and state agencies that can help you buy a home. Many of the programs that HUD manages are for low-income residents, not specifically for a housing program for single mothers. However, they have information on getting a loan, avoiding predatory lending practices and first-time home buying programs.
State Housing Finance Agencies
Their mission is to help low-income people get into homes that are safe and affordable. Contact your state housing finance agency to see what local programs may be available in your area for a housing program for a single mother.
Habitat For Humanity
Habitat For Humanity has done more than anyone to place single mothers in safe, affordable housing communities. The program requires that the selected families be in partnership with Habitat For Humanity to build the home by devoting labor to the task. Although economic need is a basis for choosing families who receive Habitat For Humanity homes, they also look carefully at a family's ability to repay the low-interest loan.
The Nehemiah Foundation
This is a privately funded program that gives funds up to 6% of the sales price of a home to first-time and repeat homebuyers who have a qualifying lender. They offer to work with specific lenders in your area, or you can look at Nehemiah home listings that are up for sale.
Looking for a housing program for single mothers can be very time-consuming, but it is well worth it. Owning your own home provides tax benefits by taking the home mortgage deduction allowed by the IRS. It provides a stable base to raise children. It builds equity and is a form of savings for cash-strapped single mothers. It is an asset that builds a good credit history. All in all, owning a home is the best investment still available today.
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