FREE Government Money

Good Evening Friends,

My friend, Chris Johnson, specializes in how to get free government money. He graciously provided these web sites. See if anything will help you - there is money for houses, rehab, foreclosures, down payments, rent, and so much more. In today's market, even investors are in big trouble...

Government Programs to Aid Owners in Distress

In order to get help from the government, you’ll need to start in the white pages. There are many agencies that offer emergency payments for electric bills, water, mortgage payments (more difficult on an investment property), food, diapers, baby milk, insurance, doctors, and much, much more.

The downside to using a government organization is that the red tape can take so long. If you need emergency assistance, you might not have 30 days to wait.

Most individual cities have local government funding. These departments are given a budget each year and if they don’t use the entire budget, they lose it or it is reduced.

There are also grants for home repairs – handy for investors – down payments on another property, closing costs grants, and many more. With most grants you have to live in the property for at least two years and then the money becomes free. If you move or sell before then, you have to pay the money back.


We have a very good friend, Chris Johnson, who specializes in free government money. Chris was very generous to provide these sites for you. For more information, contact him at www.ChrisFreeMoneyJohnson.com – he is happy to help in any way possible.

FINANCIAL RELIEF

Soldiers' and Sailors' Civil Relief Act
www.defenselink.mil/specials/Relief_Act_Revision/

If you are a reserve component service member called to active duty, you may qualify for any or all of the following:
• Reduced interest rate on mortgage payments
• Reduced interest rate on credit card debt
• Protection from eviction if your rent is $1,200 dollars or less
• Delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings
Housing Choice Tenant-Based Voucher
www.hud.gov/offices/pih/programs/hcv/tenant.cfm

This program enables a family to choose housing, then rental subsidy payments are made to the owner to subsidize occupancy by the family.

Low Income Home Energy Assistance Program
http://liheap.ncat.org/sp.htm

LIHEAP offers one-time financial assistance to qualifying low - income households who require support in paying their home heating or cooling bills.

Trade Readjustment Allowances (TRA) Income Support
www.doleta.gov/tradeact/benefits.cfm#6

Trade Readjustment Allowances (TRA) provide income support while you are participating in full time training.

Rural Housing Rental Assistance Program
www.rurdev.usda.gov/rhs/

Rent subsidies under the Rental Assistance Program ensure that elderly, disabled, and low-income residents of multi-family housing complexes financed by HCFP are able to afford rent payments. With the help of the Rental Assistance Program, a qualified applicant pays no more than 30 percent of his or her income for housing.

Earned Income Credit
http://www.irs.gov/individuals/article/0,,id=96406,00.html

The Earned Income Credit (EIC), is a refundable federal income tax credit for low-income working individuals and families. When the EITC exceeds the amount of taxes owed, it results in a tax refund to those who claim and qualify for the credit.

Farm Loan Programs
www.fsa.usda.gov/FSA/webapp?area=home&subject=fmlp&topic=landing

FSA makes direct and guaranteed farm ownership and operating loans to family-size farmers and ranchers who cannot obtain commercial credit from a bank, Farm Credit System institution, or other lender. FSA loans can be used to purchase land, livestock, equipment, feed, seed, and supplies. Their loans can also be used to construct buildings or make farm improvements.

Scholarships for Disadvantaged Students
http://bhpr.hrsa.gov/dsa/sds.htm Mortgage Relief

The Scholarships for Disadvantaged Students program provides scholarships to full-time, financially needy students from disadvantaged backgrounds, who are enrolled in health professions and nursing programs.

State Financial Assistance Programs

States have their own funding for their low-income or unemployed residents. The guidelines and rules vary from state to state, so check to see what your state offers:

Alabama - www.dhr.state.al.us/page.asp?pageid=359
Alaska - health.hss.state.ak.us/dpa/programs/atap
Arizona - www.de.state.az.us/faa/appcenter.asp
California - www.dss.cahwnet.gov/foodstamps/PG839.htm
Colorado - www.cdhs.state.co.us/coworks/
Connecticut - www.dss.state.ct.us/svcs/tanf.htm
Delaware - www.state.de.us/dhss/dss/tanf.html
District of Columbia - www.dhs.dc.gov/dhs/cwp/view,A,3,Q,492411.asp
Florida - www.dcf.state.fl.us/ess/tanf.shtml
Georgia - dfcs.dhr.georgia.gov/portal/site/DHR-DFCS/
Hawaii - www.realchoices.org
Idaho - healthandwelfare.idaho.gov/portal/alias__Rainbow/lang__en-US/tabID__3328/DesktopDefault.aspx
Illinois - www.dhs.state.il.us/page.aspx?item=30358
Indiana - www.in.gov/fssa/families/tanf/index.html
Iowa - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://www.dhs.state.ia.us/PolicyAnalysis/PolicyManualPages/Manual_Documents/Forms/470-0462.pdf
Kansas - www.srskansas.org
Kentucky - https://apps.chfs.ky.gov/Office_Phone/index.aspx
Louisiana - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://www.dss.state.la.us/departments/ofs/Family_Independence_Temporary_.html
Maine - www.state.me.us/dhs/bfi/tanf/TANF.htm
Maryland - www.dhr.state.md.us/how/cashfood/tca.htm
Massachusetts - www.mass.gov/dta
Michigan - www.michigan.gov/fia/0,1607,7-124-5453_5526_22957---,00.html
Minnesota - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&Redirected=true&dDocName=id_005325
Mississippi - www.mdhs.state.ms.us/ea_tanf.html
Missouri - dss.missouri.gov/fsd/tempa.htm
Montana - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://www.dphhs.state.mt.us/about_us/divisions/human_community_services/additional/tanf_eligibility.htm
Nebraska - www.hhs.state.ne.us/fia/adc.htm
Nevada - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://dwss.nv.gov/index.php?option=com_content&task=view&id=122&Itemid=319
New Hampshire - www.dhhs.nh.gov/DHHS/TANF/default.htm
New Jersey - www.state.nj.us/humanservices/dfd/dfdcwa39.html
New Mexico - www.hsd.state.nm.us/isd/fieldoffices.html
New York - www.otda.state.ny.us/main/ta/
North Carolina - www.dhhs.state.nc.us/dss/ei/ei_hm.htm
North Dakota - http://www.govbenefits.gov/ExternalLinkPageFlow/ExternalLinkPageFlowController.jpf?&url=http://lnotes.state.nd.us/dhs/dhsweb.nsf/e486bc94591422b58625662c007143ec/33755491882e73ec862566730069c62e?OpenDocument
Ohio - jfs.ohio.gov/localservices/
Oklahoma - www.okdhs.org/programsandservices/tanf/
Oregon - www.oregonhelps.org/
Pennsylvania - www.dpw.state.pa.us/About/OIM/003670281.htm
Rhode Island - www.dhs.state.ri.us/dhs/dfipref.htm
South Carolina - www.state.sc.us/dss/contact.html
South Dakota - www.state.sd.us/social/TANF/index.htm
Tennessee - www.state.tn.us/humanserv/st_map.htm
Texas - https://www.yourtexasbenefits.com/wps/portal
Utah - www.utah.gov
Vermont - www.dcf.vermont.gov/esd/reach_up
Virginia - www.dss.state.va.us/form/index.html#financial
Washington - www.workfirst.wa.gov/
West Virginia - www.wvdhhr.org/bcf/family_assistance/wvworks.asp
Wisconsin - www.dwd.state.wi.us/dws/w2/default.htm
Wyoming - dfsweb.state.wy.us/districts/base2.htm

MORTGAGE RELIEF

HomeFree-USA “Save A Family” Foreclosure Prevention Fund
www.homefreeusa.org/ht/d/sp/i/4943/pid/4943

Thousands of American families face threats to their homeownership every day. Unemployment, illness, and predatory lending practices threaten the most valuable investment that a homeowner can possess, their home. On average, five families call HomeFree-USA for help every day. As a HUD approved housing counseling agency, HomeFree-USA is required to help these at risk families with no charge to them.

In some cases, they need help to pay the mortgage for a month or two. In other cases, they need an advocate and assistance with their lender to forestall foreclosure. In all instances, a significant amount of time and/or money must be spent to ensure a positive outcome.

With more than a decade of experience and a 0 percent foreclosure rate, HomeFree-USA has the knowledge, experience and willingness to help at risk families to successfully protect their homes.

To help with the financial aspects of saving a family, HomeFree-USA has established the “Save a Family” foreclosure prevention fund. HomeFree-USA solicits contributions to this fund to offset expenses related to saving a family from the pain and degradation caused by the loss of a home. These expenses may include funding to ensure that at risk families have basic necessities such as goods and clothing as well as housing.

Home Equity Loss Prevention Program (HELP)
www.acornhousing.org/TEXT/fap8.php

If you are behind on your mortgage, ACORN housing counselors may be able to intervene on your behalf with your lender in order to come to a resolution that will ultimately bring your loan current. The HELP program has established relationships with 43 major lenders in the U.S. in order to get loans out of foreclosure. Recently, they assisted over 4800 families in working out repayment plans, forbearance plans, loan modifications, refinances and partial claims, which allowed these families to keep the equity that they built in their homes.

Mortgage Relief Fund
www.mortgagerelieffund.com

The Mortgage Relief initiative has grown from five regional banks to nearly fifty banks of every size, with branches throughout much of New England. The participating banks represent a safe and sound place to discuss your credit needs and financial situation, with expertise and respect.

Whenever possible, the banks participating in the initiative will help eligible homeowners refinance into conventional loans that will better meet their needs. The banks aim to help homeowners who are having difficulty making payments (or expect to) because of high-rate, nontraditional, or resetting loans.

Hope Now Alliance
http://www.hopenow.com/members/members.html

The Hope Now Alliance is a cooperative effort between the US government, counselors, investors, and lenders to help homeowners who may not be able to pay their mortgages. Created in response to the subprime mortgage crisis, the alliance claims to have helped over one million homeowners avoid foreclosure.

Housing Partnership Fund
www.housingpartnership.net/lending/housing_partnership_fund/

The Housing Partnership Fund is a CDFI-certified lending affiliate of the Housing Partnership Network that provides members with short-term, equity-like financing for affordable housing rental and ownership development.

The Fund's loans, which offer terms of up to three years, generally bridge public subsidies that are not committed at the time of acquisition.

USDA Centralized Servicing Center (CSC)
www.rurdev.usda.gov/rhs/sfh/bor_sfh.htm#What if I have financial difficulties?

To improve service and cut taxpayer costs, USDA Rural Development created the Centralized Servicing Center (CSC), which uses an automated system to expand benefits to new and existing home loan borrowers nationwide. The CSC services all USDA Rural Development single-family housing loans.

Veterans’ Mortgage Relief
www1.va.gov/opa/pressrel/pressrelease.cfm?id=1514

Hope this helps some of you...

Have a Blessed Day,

Dwan
www.theieu.com