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Housing Counseling
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Budget
counseling |
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Reverse Annuity
Mortgage counseling |
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Pre-purchase,
default/foreclosure, and rental counseling |
Housing Counseling is provided to first
time homebuyers, those in default of their mortgage, and low-income
elderly homeowners that wish to participate in the Reverse Annuity
Mortgage Program. Most of the housing counseling we provide is mediating
landlord/tenant disputes. Action has been a Housing and Urban Development
(HUD) Certified Housing Counseling Agency since 1992.
Section 8 Rental
Assistance
The Section 8
Rental Assistance Program helps participants pay their rent on a long-term
basis. Once the tenant is approved for the program, they pay
approximately 1/3 of their adjusted income for their rent and the state
pays the balance. To apply for the program a pre-application must be
completed. This puts you on a waiting list that takes about 1 year to get
to the top. You can choose where you would like to live but must lease up
in the service area where your voucher was issued to receive assistance.
All units are inspected for plumbing and electrical hazards and to ensure
the unit is safe and sanitary. If repairs are required to make the unit
meet Housing Quality Standards (HQS), the landlord is requested to make
them. The lease starts when the unit passes HQS.
Section 8 Homebuyer
Program
The Section 8
Homeownership Program of the Montana Department of Commerce allows
eligible participants in the Section 8 housing choice
voucher program, including participants with portable vouchers, the option
of purchasing a home with their Section 8 assistance rather than renting.
To be eligible,
participants must be employed full time at minimum wage or be receiving
Social Security, and have been on Section 8 rental assistance for at least
one year. Other requirements also apply, please
feel free to contact the Action for Eastern Montana office for more
information.
Family Self-Sufficiency
Program
This is a voluntary
program for Section 8 participants who desire to become independent of
government assistance. The FSS Program allows rental assistance, together
with public and private resources, to help families achieve economic
independence and self sufficiency. The FSS Program works with participant
families through intensive case management to establish their needs, and
identify barriers for reaching and maintaining self sufficiency by
creating a plan establishing short and long-term goals. One of the major
benefits of this program is that as you earn income, the state establishes
an escrow account for you in an amount equal to approximately 5% of your
earned income. This is yours to do what you want with when you graduate
successfully from the program. This program is available in all 17
counties.
Emergency Services
This program can
help with utility deposits, past due rent and utilities of one month and
only on a one-time basis. There are no income guidelines for this
program, however, clients must meet specific
criteria governed by federal regulations in order to receive assistance.
Further assistance from the program is dependent on whether the client has
made an attempt to pay back any help received or not. We are always low
on funds so therefore, the need must be great before we help, and the
client must have exhausted all other resources. Funds may not always be
available.
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