Acquiring essential baby gear, especially a stroller, can place significant financial strain on families with limited incomes. Securing a safe and reliable stroller is crucial for mobility, from attending appointments to managing daily errands. For families facing financial hardship, a free stroller for low-income families is not a luxury but a necessity.

A map of the numerous programs and community resources available can provide a clear path to obtaining this vital piece of equipment without cost. These pathways range from national non-profits and government aid programs to local charities and neighborhood sharing networks, each offering a distinct method for accessing support.

National Non-Profits: Large-Scale Networks for Baby Gear

Several large non-profit organizations operate nationwide to distribute baby supplies. Understanding their specific distribution models is the key to successfully connecting with their resources. These organizations typically function as large-scale supply hubs, channeling goods through a network of local community partners rather than providing them directly to families.

The Baby2Baby Network: How to Connect with a Local Partner

Baby2Baby is a prominent national non-profit that provides diapers, clothing, and other basic necessities to over one million children across all 50 states each year. The organization operates as a large-scale distributor, supplying a network of nearly 1,000 partner organizations, including foster care agencies, hospitals, homeless shelters, and diaper banks.

This model means that families cannot request items directly from Baby2Baby. Instead, access is gained through the local agencies they supply. The most effective path to receiving a stroller or other supplies from this network involves connecting with one of these local partners.

Actionable Steps to Connect

• Check for Existing Connections: Families already receiving services from a hospital, a social worker, a homeless shelter, a domestic violence program, or a Head Start program should inquire directly with their case manager or provider. These service providers are the most direct link to Baby2Baby’s resources and can place requests on a family’s behalf.
• Call 2-1-1: The 2-1-1 hotline is a free, confidential service that connects callers to local health and human services. By calling 2-1-1, families can ask for a list of local organizations that provide free baby supplies or specifically mention that they are looking for a Baby2Baby partner agency.
• Search Local Partner Directories: While Baby2Baby does not provide a comprehensive national directory of its partners, some regional lists are available online. For example, a detailed list of partners exists for Los Angeles County. Other known partners include Wee Cycle in Colorado and Share Baby in Maryland.

Good+ Foundation: Earning Essentials Through Family Programs

Good+ Foundation utilizes a unique model that pairs essential goods, including strollers, cribs, and car seats, with participation in family services. The items serve as incentives for parents to enroll and remain engaged in programs designed to promote long-term stability, such as parenting classes, financial literacy courses, and job training.

In this system, items are often "earned" as parents achieve specific milestones within their support program. This approach reframes the provision of goods not as a simple handout but as a tool for empowerment, helping social service programs improve client retention and outcomes.

Accessing Good+ Foundation Resources

Like Baby2Baby, Good+ Foundation serves families exclusively through its network of community partners and does not provide goods directly to individuals. To access their resources:

• Understand the Model: Access to Good+ items is directly linked to active engagement in a partner program. The stroller serves as a tangible reward that reinforces positive progress toward self-sufficiency.
• Identify Partner Programs: Good+ works with programs focused on supporting new mothers, investing in early childhood development, and engaging fathers. One key partner is the Nurse-Family Partnership (NFP), an evidence-based home visiting program.
• Contact Local Information Hotlines: For families in need of immediate support, Good+ Foundation recommends calling universal hotlines like 211 (nationwide) or 311 (in New York City) to be connected with local resources.

Finding Local Baby Banks and Supply Hubs

Hundreds of independent local and regional "baby banks" are dedicated to providing essential supplies to families. Many of these organizations are members of the National Diaper Bank Network (NDBN), which maintains a directory that is an excellent starting point for a search. While the name suggests a focus on diapers, these banks often serve as hubs for a wide range of baby essentials, including wipes, formula, clothing, and larger gear like strollers.

How to Find a Local Baby Bank

• Search the National Diaper Bank Network Directory: The NDBN member directory, available at nationaldiaperbanknetwork.org, allows users to find member agencies serving their state and county.
• Call 2-1-1: Calling 2-1-1 and asking for "diaper banks" or "free baby supplies" remains one of the most reliable methods for finding local resources.

Examples of Local Organizations

The structure and services of these organizations vary by location.

• Helping Mamas (Georgia & Tennessee): This organization's "Nursery Needs Program" provides essentials like car seats and strollers to high-risk families during a baby's first four months. The program often targets families already receiving benefits from WIC or SNAP to simplify eligibility.
• Wee Cycle (Colorado): The "Essential Baby Gear Program" provides free strollers, cribs, car seats, and other items to low-income families through a network of local non-profit partners.
• Room to Grow (Boston & New York): This organization offers a comprehensive three-year program that combines personalized parent coaching with free baby and toddler items. Enrolled families visit a center and select the items they need.
• Little Essentials (New York City): This group collects and distributes baby gear, including strollers and car seats, through its network of community partners, such as shelters and social service agencies.

Using Government Programs for Stroller Assistance

Government assistance programs can be a vital resource for low-income families. While none offer a "free stroller program" directly, several provide financial support or specialized medical benefits that can be used to obtain one.

TANF: Cash Assistance for Essential Family Needs

The Temporary Assistance for Needy Families (TANF) program provides monthly cash assistance to low-income families with children. These funds are typically distributed on an Electronic Benefit Transfer (EBT) card and can be used to pay for a wide range of essential needs, including housing, clothing, and other necessities like a stroller.

This pathway offers a significant degree of autonomy. TANF provides direct purchasing power, allowing a parent to choose a stroller that best fits their specific needs, such as a lightweight model for public transportation or a double stroller for twins.

How to Use TANF for a Stroller

• Check Eligibility and Apply: Families should visit their state's human services website to find specific income limits and application procedures. The federal government provides a directory of state TANF programs at the Office of Family Assistance website, acf.hhs.gov/ofa.
• Understand Program Requirements: Receiving TANF benefits often requires agreeing to a personal responsibility plan, which may include work, job training, or educational activities.

WIC: Your Gateway to Community Resources

The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) provides free healthy foods, nutrition counseling, and breastfeeding support. It is important to understand that WIC funds cannot be used to purchase strollers or other baby gear.

However, WIC serves as a critical referral hub, connecting families to a wide array of other community-based services. Because WIC has strict income requirements, enrollment serves as a trusted verification of need, which can simplify the application process for other local charities.

How to Leverage WIC for Referrals

• Enroll in WIC: All eligible families are strongly encouraged to apply for WIC through their local WIC office, which can be found through their state's department of health website.
• Ask for a Referral: During a WIC appointment, parents should specifically ask their counselor for referrals to local organizations that provide free baby equipment like strollers.

Medicaid: Coverage for Medically Necessary Adaptive Strollers

For children with disabilities or medical conditions that affect their mobility, Medicaid can cover specialized adaptive strollers. While standard strollers are not covered, the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit can cover durable medical equipment (DME) when it is deemed medically necessary.

This process operates through healthcare channels, not social charities. Families in this situation should pursue this medical benefit rather than searching for a specialized stroller at a typical baby bank.

Steps to Obtain an Adaptive Stroller

1. Consult with a Healthcare Provider: The process begins with a discussion with the child's doctor, physical therapist (PT), or occupational therapist (OT).
2. Obtain a Letter of Medical Necessity (LMN): A licensed therapist or physician must provide a prescription and a detailed LMN explaining why an adaptive stroller is medically required.
3. Work with a DME Supplier: The healthcare provider will then work with a specialized DME supplier to handle the submission of all required paperwork to the state's Medicaid program for authorization.

Local and Community-Based Support Systems

Often, the most immediate and accessible help comes from organizations working directly within a community. These groups are familiar with local needs and can provide a range of support services.

Your Local Community Action Agency

Community Action Agencies (CAAs) are part of a national network of non-profits established to fight poverty at the local level. With a presence in nearly every county, these agencies act as central hubs for services like housing assistance, food programs, and Head Start. A CAA case manager can assess a family's overall situation and connect them to a comprehensive suite of services.

How to Connect with a CAA

• Find Your Local Agency: The Community Action Partnership provides a national directory on its website. State associations also offer lists of agencies by county or service area.
• Inquire About Family Resource Services: When contacting the agency, families should ask about "family resource centers" or "emergency assistance." Some agencies have dedicated programs, like the Baby And Mommy Support (BAMS) program in Ohio, which provides essential items.

Faith-Based Organizations

Major faith-based organizations have a long history of providing social services to those in need, regardless of religious affiliation. Their local centers often serve as a first point of contact for families in crisis.

• The Salvation Army: Operates community centers that provide assistance including food, utility help, and, depending on local donations, essential baby items. Families should use the location finder on the Salvation Army's national website to find their nearest office.
• Catholic Charities: This organization offers extensive support for families. Programs like the "St. Gabriel's Pregnancy & Parenting Program" provide case management, education, and material assistance, including diapers and other baby supplies.

Crisis Pregnancy and Parenting Resource Centers

Crisis Pregnancy Centers, also called Pregnancy Resource Centers, are non-profits that provide support to pregnant women and new parents. In addition to counseling, many of these centers offer material assistance, including diapers, clothing, and larger items like strollers, often through an on-site "boutique" or "pantry". Some centers use an "earn while you learn" model, where parents accumulate points by attending classes to exchange for items.

Finding a Local Center

• Use an Online Directory: Websites like Care Net and the CPC Map provide searchable directories to help locate nearby centers.
• Call Ahead to Confirm: The availability of large items like strollers depends entirely on donations. It is essential to call a center first to confirm they have strollers in stock and to ask about any requirements.

Hyperlocal Giving: Peer-to-Peer and Online Community Networks

In many communities, the fastest way to get a free stroller is to ask a neighbor. Online sharing platforms have created powerful, low-barrier ways for people to give away items they no longer need directly to others in their community.

The Buy Nothing Project & Freecycle

The Buy Nothing Project and The Freecycle Network are two global movements built on the concept of a hyperlocal gift economy. Participants join a private group limited to their neighborhood and can post "Gives" of items they are offering and "Asks" for items they need. Baby gear is one of the most frequently exchanged categories.

These platforms offer a powerful alternative to traditional aid systems by removing barriers like applications and income verification, allowing for rapid, direct support between neighbors.

• How to Join: To join a Buy Nothing group, download the free Buy Nothing app. To join Freecycle, sign up on their website and find the local "Town" group for your area.
• How to Post an "Ask": After joining, a user can post a polite and specific request (e.g., "Seeking a simple umbrella stroller for my toddler"). It is good practice to search the group first to see if a stroller has already been offered.

Using Facebook, Next door, and Craigslist

Mainstream social media and neighborhood apps have also become hubs for giving and receiving free items.

• Facebook: Use the search terms "Buy Nothing," "Moms Group," "Parents," and "Free Baby Stuff" in the Groups tab to find local communities.
• Next door: This app has a "For Sale & Free" section where you can filter to see only "Free" items in the "Baby & Kids" category.
• Craigslist: The original online marketplace still has a dedicated "free" section under the "for sale" category.

When acquiring a used stroller from an individual, always arrange to meet in a safe, public place. Before using any second-hand stroller, check the model number against the national recall list maintained by the U.S. Consumer Product Safety Commission (cpsc.gov) to ensure it is safe for use.

Frequently Asked Questions

Facing financial hardship and the risk of losing a home is an incredibly stressful experience. For Idaho homeowners struggling with mortgage payments, it is crucial to know that effective, legitimate help is available. The primary source of this support is the Idaho mortgage relief program, officially the Homeowner Assistance Fund (HAF).

This program was specifically designed to provide a financial lifeline to those who have fallen behind on payments due to circumstances beyond their control. Administered by the Idaho Housing and Finance Association (IHFA), the HAF program offers substantial aid to help eligible homeowners reinstate their mortgages and cover past-due housing expenses.

This resource provides a complete overview of the Idaho Homeowner Assistance Fund, outlining eligibility, covered expenses, and the application process. It also details the broader support network available, including free housing counseling and legal aid, ensuring every homeowner can protect their most important asset.

The Idaho Homeowner Assistance Fund (HAF) Explained

Understanding the HAF program is the first step toward leveraging its benefits. It is not a traditional loan but a targeted relief effort with a specific structure, purpose, and administrator.

2.1 What is the HAF Program?

The Homeowner Assistance Fund is a federal program created by the American Rescue Plan Act of 2021. This legislation allocated funds to states to help households financially impacted by the COVID-19 pandemic. Idaho received approximately $72 million to establish its program to prevent mortgage delinquencies, defaults, and foreclosures.

The state's program, the Idaho Homeowner Assistance Fund, was launched to mitigate these financial hardships. Its primary goals are to help homeowners reinstate delinquent mortgages, resume affordable monthly payments, and prevent the displacement of Idahoans from their homes.

2.2 How the Assistance Works: An Interest-Free Forgivable Loan

The assistance is provided as an interest-free, forgivable loan, not a grant. This structure is a critical detail for applicants to understand.

Loan Structure

The funds do not accrue interest and do not require monthly payments. However, the loan must be repaid when the homeowner sells the property, transfers ownership, or refinances their primary mortgage. This allows the program to provide immediate relief without adding to a household's monthly debt.

Repayment and Forgiveness

By creating a mechanism for repayment, the program allows resources to be recycled for future affordable housing initiatives. Crucially, the loan includes forgiveness provisions. If proceeds from a home sale are not enough to cover the HAF assistance, the remaining balance is forgiven. The loan may also be fully forgiven after the homeowner remains in the property for 10 years.

2.3 Who Manages the Program?

The Idaho Homeowner Assistance Fund is managed by the Idaho Housing and Finance Association (IHFA). The IHFA is a state-chartered organization dedicated to expanding housing opportunities in Idaho. As a U.S. Department of Housing and Urban Development (HUD) approved housing counseling agency, the IHFA has the expertise to manage complex federal housing programs.

Designating the IHFA as the administrator ensures that HAF funds are distributed by a trusted, experienced entity. The IHFA's role extends beyond processing applications; it serves as a central hub for housing support, offering counseling and other resources to help homeowners navigate financial challenges.

Determining Your Eligibility for HAF Assistance

The HAF program has specific criteria to ensure aid is directed to homeowners who need it most. These requirements relate to financial hardship, household income, and property type.

3.1 Core Requirements for Applicants

To qualify for assistance, an applicant must meet several foundational requirements.

• Financial Hardship: Applicants must attest to a "Qualified Financial Hardship" after January 21, 2020. This is defined as a material reduction in income or a significant increase in living expenses caused by the COVID-19 pandemic.
• Homeownership and Residency: The property must be located in Idaho and be the applicant's primary residence. The program is not available for second homes or investment properties.
• Delinquency Status: The applicant must be behind on mortgage payments or other qualifying housing expenses. This includes homeowners in forbearance or those who have already entered the foreclosure process.

3.2 Household Income Limits

A homeowner's total annual household income must be equal to or less than 150% of the Area Median Income (AMI) for their county or 100% of the median income for the United States, whichever is greater. These limits are published annually by HUD.

To serve the most vulnerable, at least 60% of Idaho's HAF funds are reserved for homeowners with incomes at or below 100% of the AMI. This ensures that the majority of assistance reaches those with the greatest need.

3.3 Eligible Property Types

The program supports a wide range of common homeownership structures in Idaho.

• Single-family homes (attached or detached).
• Condominiums.
• Properties within a cooperative.
• Manufactured homes permanently affixed to real property.
• One-to-four-unit properties, if the homeowner lives in one unit as their primary residence.

What Expenses Are Covered by the HAF Program?

The Idaho HAF program covers a comprehensive range of housing-related expenses to prevent foreclosure. The maximum assistance a household can receive is $50,000.

Funds can be used for both past-due amounts and, in some cases, upcoming payments.

• Mortgage Reinstatement: The primary use is to bring a delinquent mortgage current. This includes all past-due principal, interest, and any fees advanced by the mortgage servicer. The program can also cover up to three months of forward mortgage payments.
• Other Essential Housing Costs: HAF also addresses other critical needs that can lead to foreclosure.
• Property Taxes: Funds can be used to clear delinquent property taxes.
• Homeowners' Insurance: HAF can pay for past-due insurance premiums.
• HOA and Condominium Dues: Assistance can be used to resolve debts with homeowners' or condominium associations.
• Utility Bills: Past-due utility bills may be covered if the delinquency threatens homeownership.

The HAF Application Process: A Step-by-Step Walkthrough

The application for the Idaho Homeowner Assistance Fund is conducted online and requires careful preparation of documents.

5.1 Preparing Your Documentation

Before starting the online form, collect the following documents for all adult household members:

• Proof of Identity: A government-issued photo ID, such as a driver's license.
• Proof of Income: This can include recent paystubs, W-2 forms, tax returns, or statements for Social Security, pension, or unemployment benefits.
• Housing Expense Information: Current statements or bills showing past-due amounts for your mortgage, property taxes, insurance, or HOA dues.
• Hardship Attestation: A signed statement describing the financial hardship and its relation to the COVID-19 pandemic.

5.2 Submitting Your Application

The application should be submitted through the official IHFA portal: https://www.idahohousing.com/homeowners/haf/. Homeowners who need help with the online application can contact the IHFA by email at haf@ihfa.org or by phone at 888-991-2166.  

5.3 After You Apply: How Payments Are Disbursed

If an application is approved, HAF funds are paid directly to the third party, such as the mortgage servicer or county tax authority. The homeowner does not receive a check.

This direct-to-servicer model prevents fraud and ensures funds are used for their intended purpose. It also provides an official record that the delinquency has been resolved, which can help halt foreclosure proceedings more effectively.

Beyond HAF: Additional Foreclosure Prevention and Housing Resources in Idaho

The HAF program is part of a larger support system for Idaho homeowners. Several organizations offer free, expert guidance and legal assistance.

6.1 Free, Expert Guidance: HUD-Approved Housing Counseling

Homeowners can access free, confidential advice from HUD-approved housing counseling agencies. These nonprofit organizations are trained to provide guidance on a wide range of housing issues.  

A housing counselor can:

• Assess your financial situation and create a budget.
• Explain all options to avoid foreclosure, such as loan modifications or repayment plans.
• Negotiate with your mortgage lender on your behalf.
• Assist with the HAF program application.
• Provide education on homeowner rights.

Homeowners who work with a housing counselor are significantly more likely to avoid foreclosure. The Idaho Housing and Finance Association (IHFA) is a primary provider of these services.

HUD-Approved Housing Counseling Agencies in Idaho

6.2 Idaho Legal Aid Services

For low-income homeowners facing complex legal issues related to foreclosure, Idaho Legal Aid Services is a critical resource. This organization provides free civil legal assistance to eligible Idahoans.

Idaho Legal Aid can help with housing issues by;

• Reviewing loan and foreclosure documents for legal violations.
• Providing legal advice on homeowner rights.
• Representing homeowners in negotiations or court.
• Assisting tenants in a property facing foreclosure.

Homeowners needing legal advice can contact the statewide Idaho Legal Aid Housing Hotline at (208) 746-7541.

6.3 Other Financial Assistance Programs from IHFA

The IHFA offers a suite of programs that support Idahoans at various stages of homeownership.

• Down Payment and Closing Cost Assistance: IHFA offers programs that provide this assistance, often as a second mortgage or forgivable loan, to help Idahoans purchase a home with reduced upfront costs.
• Idaho Heroes Loan Program: This program offers favorable mortgage rates and down payment assistance to essential workers, including healthcare professionals, first responders, military personnel, and teachers.
• Home Improvement Loans: IHFA provides fixed-rate home improvement loans that allow homeowners to use their home's equity for necessary repairs or upgrades.

Protecting Yourself from Mortgage Relief Scams

During times of financial distress, homeowners are vulnerable to predatory scams. Recognizing the warning signs is essential for protection.

7.1 Warning Signs of a Scam

Be wary of any person or company that:

• Asks for a fee in advance. Legitimate housing counseling is free, and the HAF program has no application fee.
• Guarantees they can stop a foreclosure. No one can guarantee this outcome.
• Tells you to stop making mortgage payments or to pay them instead of your lender.
• Pressures you to sign documents you don't understand or to sign over the deed to your home.

7.2 How to Protect Yourself

The best defense is to work only with trusted, official organizations.

• Never pay for foreclosure prevention help. Free assistance is available from HUD-approved agencies.
• Contact your mortgage servicer first. They are the only ones with official information about your loan.
• Only work with official sources like HUD-approved counselors, Idaho Legal Aid, and the IHFA.
• Report suspicious activity to the Idaho Department of Finance and the Federal Trade Commission (FTC).

By following these guidelines and relying on verified resources, Idaho homeowners can confidently seek the help they need to overcome financial hardship.

 Frequently Asked Questions

Maintaining a home in Hawaii presents unique financial challenges, and for homeowners facing hardship, the stress of potentially losing that home can be overwhelming. The search for a hawaii mortgage relief program often leads to a complex array of options, each with specific eligibility requirements and application windows.

Relief is not a single, one-size-fits-all solution but rather a landscape of targeted financial assistance, disaster recovery initiatives, and procedural safeguards designed to provide stability. Understanding which programs are currently active and for whom they are intended is the first and most critical step toward securing assistance, preventing foreclosure, and finding a path forward.

Active Financial Assistance and Disaster Recovery Programs

For homeowners in immediate need, several programs offer direct financial aid or comprehensive recovery services. These initiatives are typically targeted toward residents of specific counties or those affected by recent disasters, making eligibility a key factor.

For Maui Wildfire Survivors: The Lahaina Homeowner Recovery Program

In the wake of the devastating August 2023 wildfires, the Lahaina Homeowner Recovery Program was established as a primary lifeline for affected homeowners. Administered by Hawaiʻi Community Lending (HCL), this is a comprehensive, three-year program designed to assist up to 500 owner-occupant Lahaina homeowners. Its mission extends beyond immediate aid, focusing on preventing foreclosures and providing the financing to rebuild.

The program's design reflects a deep understanding of the crisis homeowners face after a disaster. The collaboration with major financial institutions—including First Hawaiian Bank, American Savings Bank, Bank of Hawaii, and Central Pacific Bank—is a cornerstone of its strategy. This partnership facilitates a more streamlined process for homeowners to secure forbearance or loan modifications, fostering cooperative solutions.

This approach is essential not only for individual families but also for the economic stability of the entire community. By preventing mass foreclosures, the program helps protect county property tax revenues and the local financial system.

Eligibility and Services

To qualify, an applicant must be a Lahaina homeowner who was living in their home as a primary residence before the fires. The services offered are extensive and tailored to the complex needs of disaster recovery:

• Federal Aid Navigation: Direct assistance with FEMA and Small Business Administration (SBA) loan applications, including help with filing appeals for those initially denied.
• Foreclosure Prevention: Grants and loans aimed at preventing foreclosure, coupled with expert help in negotiating forbearance and modifications with lenders.
• Rebuilding Support: Assistance with obtaining new construction and mortgage financing for rebuilding. This includes guidance on the entire rebuild process and referrals for filing insurance claims.
• No-Cost Property Surveys: An initiative that provides required property surveys at no cost to the homeowner, removing a significant financial barrier to rebuilding.

Application Process

The program began accepting applications in July 2024. The first step for interested homeowners is to complete an interest form to secure a place on the list. HCL has established outreach offices directly in Lahaina to provide in-person support and guidance.

• Official Program Information: https://hawaiicommunitylending.com/mauirelief/
• Interest Form: https://lhrp-interest-form.zapier.app/

For Maui County Residents: Homeowner Assistance Fund (MHAF)

While most statewide COVID-19 relief programs have concluded, a distinct option remains available for residents of Maui County. The Maui County Homeowner Assistance Fund (MHAF) continues to offer substantial aid to homeowners who experienced financial hardship due to the pandemic. Administered by Catholic Charities Hawaiʻi, this program provides a critical safety net.

Program Status and Assistance

The MHAF program is currently accepting applications through a waitlist system, subject to the availability of funds. It is crucial for applicants to understand that registering for the waitlist is the initial step and does not guarantee funding. The program can provide up to $60,000 per household for mortgage payments, property taxes, and other eligible housing expenses.

Eligibility Criteria

To be eligible for the MHAF, applicants must meet several specific requirements:

• Residency: Must be a homeowner in Maui County (including Maui, Lānaʻi, and Molokaʻi) living in their home as a sole residence.
• Financial Hardship: Must have experienced a financial hardship directly related to the COVID-19 pandemic on or after January 21, 2020.
• Income Limits: Household income must be at or below 150% of the County of Maui Area Median Income (AMI).

Application Process

The application is a multi-step process managed by Catholic Charities Hawaiʻi:

1. Register for the Waitlist: The first step is to register online to be placed on the program's waitlist.
2. Complete Prescreening: Applicants will be contacted to complete a prescreening to verify basic eligibility.
3. Submit Full Application: If prescreening is successful, the applicant will be invited to complete the full application and provide all necessary supporting documentation.

Contact Information

For all inquiries regarding the MHAF program, homeowners should contact the administrator directly.

• Service Provider: Catholic Charities Hawaiʻi
• Phone: (808) 873-4673; select option 1, then option 3.
• Website: https://www.catholiccharitieshawaii.org/maui-homeowner-assistance/

Procedural Relief: The Mortgage Foreclosure Dispute Resolution (MFDR) Program

Separate from programs that offer direct financial grants, the State of Hawaii provides a powerful procedural safeguard for certain homeowners. The Mortgage Foreclosure Dispute Resolution (MFDR) Program does not provide funds but instead creates a structured opportunity for homeowners to negotiate with their lenders to find an alternative to foreclosure.

This program is a consumer protection mechanism designed to level the playing field, particularly in nonjudicial foreclosures, which typically proceed with less court oversight. By pausing the foreclosure process, it provides critical time and a formal setting for negotiation that would not otherwise exist.

This protection is not automatic; it is a tool that the homeowner must actively and promptly choose to utilize. Lenders are aware of the program's effectiveness, and some may opt for a judicial foreclosure specifically to bypass this mandatory negotiation. This underscores the importance for homeowners to understand their rights and act quickly.

Eligibility

Participation in the MFDR program is limited to a specific set of circumstances:

• Type of Foreclosure: The program is only available for nonjudicial foreclosures, also known as power of sale foreclosures.
• Occupancy: The homeowner must be an "owner-occupant," meaning the property is their primary residence for at least 200 continuous days before the foreclosure notice is served.

The Process

The MFDR process is initiated by the lender but requires the homeowner's response to proceed:

1. Lender Files Notice: The process begins when the lender files a notice of non-judicial foreclosure with the Department of Commerce and Consumer Affairs (DCCA).
2. DCCA Notifies Homeowner: The DCCA mails a notification to the homeowner, informing them of their right to participate in the MFDR program.
3. Homeowner Opts In: The homeowner has a strict 30-day deadline to submit the MFDR participation form and pay a $300 nonrefundable program fee.
4. Foreclosure is Paused: Once the homeowner opts in, the non-judicial foreclosure process is put on hold.
5. Resolution Session: The DCCA schedules a formal session where the homeowner and lender meet with a neutral third party to negotiate an alternative to foreclosure.

Potential Outcomes

If the parties reach a mutually acceptable agreement during the session, the foreclosure is terminated. If no agreement can be reached, the hold is lifted, and the foreclosure process continues to move forward.

Status of the Broader Hawaii Homeowner Assistance Fund (HAF)

Many Hawaii residents may have heard of the Homeowner Assistance Fund (HAF), a federal program established to help homeowners impacted by the COVID-19 pandemic. In Hawaii, these funds were administered by nonprofit service providers in each county.

With the exception of the Maui County program (MHAF) detailed above, the HAF programs for the state's other counties are closed to new applications. The funds allocated to these programs have been fully exhausted or obligated.

• City and County of Honolulu (Oʻahu): The program administered by the Council for Native Hawaiian Advancement (CNHA) is closed to new applications.
• Hawaiʻi County: The program administered by Hawaiʻi Community Lending (HCL) closed its application portal on May 1, 2024.
• Kauaʻi County: The program administered by Hawaiʻi Community Lending (HCL) also closed its application portal on May 1, 2024.

Specialized Support for Beneficiaries of Hawaiian Home Lands

Beneficiaries of the Department of Hawaiian Home Lands (DHHL) have access to specialized housing support and mortgage relief programs. These programs are funded through federal partnerships, primarily the Native Hawaiian Housing Block Grant (NHHBG) and the Section 184A Native Hawaiian Housing Loan Guarantee program.

These resources are specifically targeted to support low-income Native Hawaiians who are eligible to reside on Hawaiian home lands. DHHL has historically offered direct relief, such as mortgage payment deferrals for those with loans directly through the department.

The DHHL Mortgage Relief Program, administered with partners like the Council for Native Hawaiian Advancement, provides another layer of support.

• Eligible Assistance: The program can cover up to 12 months of mortgage payments, mortgage arrears, utilities, property taxes, and homeowners insurance.
• Eligibility Requirements: Applicants must be DHHL leaseholders, demonstrate a risk of housing instability, and meet income qualifications, typically at or below 80% of the Area Median Income (AMI).

A Crucial First Step: Free Expert Advice from HUD-Approved Housing Counselors

Every homeowner in Hawaii facing financial hardship has access to a powerful, free, and universally beneficial resource: HUD-approved housing counseling. Engaging with a certified housing counselor should be the first step for anyone concerned about their mortgage.

These trained professionals provide confidential, expert advice at no cost and act as a navigator through the complexities of mortgage relief. A counselor can assess a homeowner's complete financial picture, explain options like forbearance and loan modification, create a sustainable budget, and even negotiate directly with a mortgage servicer on the homeowner's behalf.

To find a local agency, homeowners can use HUD's online search tool or call their national, multilingual toll-free hotline at (800) 596-4287. Below are some of the key HUD-approved agencies serving Hawaii.

Summary of Actionable Steps for Hawaii Homeowners

Navigating mortgage hardship requires clear, decisive action. The information available can be overwhelming, but the path forward can be distilled into a simple, structured approach.

1. Assess Your Specific Situation. The most effective relief program is the one that matches your unique circumstances. Determine if you were impacted by the Maui wildfires, have a COVID-related hardship in Maui County, or have received a nonjudicial foreclosure notice.
2. Contact the Relevant Program Immediately. Time is a critical factor. Based on your assessment, reach out directly to the appropriate organization without delay. For Lahaina recovery, contact Hawaiʻi Community Lending. For the Maui HAF program, contact Catholic Charities Hawaiʻi. For the MFDR program, respond to the DCCA notice within the 30-day deadline.
3. Engage a HUD-Approved Housing Counselor Now. This is the single most important action any homeowner facing mortgage difficulties can take. A free, expert housing counselor will provide invaluable guidance, support, and advocacy. Contacting one of the agencies listed above is the best first step toward creating a clear plan for financial recovery.

 Frequently Asked Questions

Securing free shoes for low income families is a critical need that can significantly impact a child's health, confidence, and ability to participate in school and play. For parents facing financial strain, the cost of quality footwear for growing children can be an overwhelming burden. Worn-out or improperly sized shoes are one of the most visible signs of childhood poverty, a reality for 1 in 7 children in the United States.

This resource provides a clear and actionable path to finding assistance through national charities, local community organizations, and specialized programs. It details how these programs work and the exact steps families can take to connect with the support they need.

Getting Started: Your Quick Guide to Free Shoe Programs

For families needing immediate direction, understanding how major organizations operate is the first step. Most national charities do not distribute shoes directly from their headquarters; instead, they partner with local schools, shelters, and community agencies. This means the most effective way to get help is often by connecting with these local partners. The following overview summarizes the primary national programs and the best first step to take for each.

Major National Charities: How Their Free Shoe Programs Work

Several large, reputable non-profit organizations have made it their mission to provide footwear to those in need. However, their operational models differ significantly. Understanding how each one functions is key to successfully accessing their resources. The common thread is that direct contact with the national organization is rarely the path to receiving shoes; the connection is almost always made through a local community partner.

Soles4Souls: Relief for Crisis, Homelessness, and Poverty

Soles4Souls is a global non-profit that turns donated shoes and clothing into opportunities for people in need. The organization operates several distinct programs, each designed to address a specific type of need, from immediate disaster relief to long-term economic empowerment.

Program Breakdown

• 4Relief Program: This is the organization's crisis response arm. The 4Relief program provides new shoes and clothing to individuals and families facing hardships, including natural disasters, health crises, and displacement. For those experiencing homelessness, this program provides essential footwear needed for health, safety, and pursuing employment.
• 4EveryKid Program: Focused specifically on children experiencing homelessness in the United States, the 4EveryKid program provides brand-new, brand-name athletic shoes. New shoes remove a significant barrier to school participation, boost confidence, and help children feel included among their peers.
• 4Opportunity Program: This program forms the economic engine for much of Soles4Souls' work. Gently used shoes and clothing are sold at low prices to vetted wholesalers in developing nations. These wholesalers then sell the items to local entrepreneurs, who build their own small businesses selling affordable footwear in their communities.

How to Get Help from Soles4Souls

It is essential for families to know that Soles4Souls distributes shoes exclusively through its network of non-profit partners. The "Request Shoe Donations" form on their website is intended for organizations, not individuals seeking assistance.

To receive shoes, families should take the following steps:

1. Contact Local Service Providers: Reach out to local homeless shelters, domestic violence shelters, disaster relief organizations, and community centers. Ask them directly if they are a distribution partner for Soles4Souls.
2. Inquire at Your Child's School: Speak with the school's McKinney-Vento liaison (the staff member designated to support students experiencing homelessness), counselor, or principal. They are often connected with programs like 4EveryKid.
3. Use National and Local Helplines: Call 211 or visit a comprehensive online database of social services. These services can direct you to a Soles4Souls partner in your area.

Shoes That Fit: Partnering with Schools for Student Success

Shoes That Fit is a national non-profit organization with a singular, powerful mission: to provide children in need with new athletic shoes so they can attend school with dignity and joy. The impact of this simple intervention is profound. Educators at partner schools report that after receiving new shoes, 94% of students show improved confidence and 92% have higher self-esteem.

The School Liaison Model

The Shoes That Fit program operates on a unique model that works exclusively through K-12 schools across all 50 states. The organization does not accept requests directly from parents. Instead, each participating school designates a "school liaison"—typically a school nurse, counselor, or administrator—who coordinates the entire process.

This liaison confidentially identifies students in need, measures their feet, and places an order with Shoes That Fit. The organization then sources the correct sizes and delivers the brand-new athletic shoes directly to the school, ensuring they are distributed discreetly. This school-centric approach ensures that aid reaches the children who need it most within an environment they already trust.

How to Get Help from Shoes That Fit

How to Get Help from Shoes That Fit

Because the program is managed entirely at the school level, parents must work directly with their child's school staff.

1. Contact the Right Person: The best points of contact are the school nurse, health clerk, or a school counselor. These individuals are most likely to be the designated liaison or to know who is.
2. Use a Direct and Respectful Approach: When you speak with school staff, it is helpful to be clear about your needs. You can use a simple script to start the conversation:
   • "Hello, my name is [Parent's Name], and my child, [Child's Name], attends this school. We are experiencing some financial hardship right now, and I was calling to ask if our school participates in the 'Shoes That Fit' program or if there are any other resources available to help students get new shoes for school."
3. Become an Advocate for Your School: If your child's school is not currently a partner, you can be a catalyst for change. The program is open to schools, particularly Title I schools, that complete an enrollment application. Parents can speak with the school principal or the PTA about the program and encourage them to apply.

The Salvation Army: Community Vouchers and Seasonal Events

The Salvation Army is one of the nation's oldest and most comprehensive social service providers, offering a wide range of support for families facing poverty and homelessness. While they do not have a single, nationwide "free shoe program," they provide footwear assistance through two primary channels: emergency assistance vouchers and seasonal distribution events.

Voucher Program for Immediate Needs

For families facing an immediate crisis, such as job loss or a house fire, The Salvation Army can provide emergency assistance vouchers. These vouchers are redeemable at The Salvation Army's Family Thrift Stores for essential items, including clothing and shoes, at no cost. This system allows families the dignity of choosing their own items while meeting their urgent needs.

Seasonal "Shoe-In" and Back-to-School Events

Many Salvation Army locations host annual back-to-school drives to ensure children start the school year prepared. These events often include the distribution of backpacks, school supplies, and brand-new shoes. One of the largest examples is the "Shoe-In for Kids" program, which, in some cities, provides thousands of new shoes to children identified by local elementary schools.

How to Get Help from The Salvation Army

Assistance from The Salvation Army is managed at the local level. The first step is to connect with the office serving your community.

1. Find Your Local Service Center: Visit the official Salvation Army website (https://www.salvationarmyusa.org/) and use the location finder to enter your zip code. This will provide the contact information for your nearest service center.
2. Call and Be Specific: When you contact your local center, be clear about what you are asking for.

• For immediate needs, ask: "Do you offer a voucher program for clothing and shoes at your Family Store?"
• For seasonal help, ask: "Are you hosting a back-to-school event this year that provides free shoes for children?"

3. Be Prepared to Provide Documentation: You may be asked to provide a photo ID, proof of address, and documentation of your children (such as birth certificates) to verify eligibility.

Samaritan's Feet: Shoe Lockers and Distribution Events

Samaritan's Feet is a humanitarian aid organization dedicated to providing new shoes to those in need around the world. Since 2003, the organization has served more than 9 million people in over 500 U.S. cities. Their work is primarily accomplished through on-site Shoe Lockers and large-scale Shoe Distribution events.

Program Models for Community Support

• Shoe Lockers: A Shoe Locker is a supply of approximately 200 pairs of new athletic shoes and socks kept on-site at a partner facility, like a school. This allows staff to provide a new pair of shoes immediately when a need arises. Each pair comes packaged in a "Hope Tote" with an encouraging note.
• Shoe Distributions: These are large, one-day events designed to serve an entire school or organization at once. During these events, volunteers welcome participants, wash their feet as an act of service, and provide them with a new pair of socks and professionally fitted shoes.

How to Get Help from Samaritan's Feet

Samaritan's Feet works through a network of community partners to distribute shoes. Individuals cannot request shoes directly from the national organization.

1. Check with Your School or Community Center: Ask staff at your child's school or a local community center if they have a Samaritan's Feet Shoe Locker or are scheduled to host a Shoe Distribution event.
2. Encourage Your Community to Partner: If your local organizations are not yet involved, you can be proactive. School administrators and non-profit leaders can complete a "Shoe Interest Form" on the Samaritan's Feet website to join a waitlist.

Finding Free Footwear in Your Local Community

While national charities provide the backbone of shoe assistance, a vast amount of support is available through hyper-local organizations. For many families, these local connections are the fastest and most effective way to find help.

Your First Call: 211 and Online Resource Databases

The 211 service is a vital, free, and confidential information and referral service that connects people to local health and human services. It is the single best starting point for anyone seeking assistance.

• How to Use 211: Simply dial 211 from any phone to be connected with a trained specialist. Tell them, "I need help finding free shoes and clothing for my children." They can identify nearby clothing banks, community closets, and agencies that offer assistance.
• Online Databases: Many 211 networks also operate websites. Additionally, national databases like FindHelp.org allow you to search for specific services (e.g., "clothing," "shoes") by zip code, often listing eligibility requirements and hours of operation.

Tapping into Community and Faith-Based Support

Many of the most immediate sources of help are embedded within the community itself, often operating quietly to serve their neighbors.

• Churches and Places of Worship: Many churches, synagogues, and mosques operate clothing closets or maintain funds to assist community members in crisis, regardless of religious affiliation.
• Community Action Agencies: These are non-profit organizations found in almost every county, created to fight poverty at the local level. They are an excellent source for referrals to programs that offer basic necessities.
• Local Non-Profits and "Free Stores": Many cities have independent non-profits dedicated to providing essentials. A search online for "free clothing closet [your city]" can reveal these local gems.  

Leveraging Online Community Groups (Facebook)

In today's digital world, social media platforms like Facebook can provide direct help from neighbors in a way that is fast, discreet, and supportive.

Finding "Buy Nothing" and Mutual Aid Groups

The "Buy Nothing Project" is a global movement of hyper-local groups where neighbors can "give" and "ask for" items for free.

• To find your local group, search on Facebook for "Buy Nothing" followed by the name of your town or city.
• Similarly, search for "Mutual Aid" or "Parents Group" to find other communities focused on neighborly support.

How to Ask for Help

Asking for help in these groups is common and encouraged. When you post, being clear, specific, and polite will yield the best results.

Sample Post Template: "Hello neighbors. I'm reaching out to ask for a little help. My kids have had a major growth spurt, and I'm looking for gently used shoes for them. I'm in need of boys' sneakers in a size 3 and girls' winter boots in a size 1. If anyone has these sizes that their own children have outgrown and are no longer using, I would be incredibly grateful. Thank you so much for considering."

This type of post is effective because it is specific about the need, polite, and respects the giving nature of the community.

Specialized Footwear Assistance Programs

Beyond general assistance for low-income families, several organizations offer specialized programs tailored to specific circumstances, such as medical needs or a family's employment history.

Support for Children with Medical Needs

For children with certain medical conditions, specialized footwear like orthotics and braces can be prohibitively expensive.

• CHASA Orthotic Grants: The Children's Hemiplegia and Stroke Association (CHASA) offers an Orthotic Grant program to provide financial assistance to families of children with hemiplegia. This grant helps cover the gap between the cost of a necessary brace and what the family's health plan will pay.

Aid for Footwear Industry Families

A unique form of support exists for individuals who have built their careers in the footwear industry.

• Two Ten Footwear Foundation: This organization provides emergency financial assistance and resources to U.S. footwear employees and their families who are experiencing personal hardship. This can include crises like a major illness, job loss, or the impact of a natural disaster.

Government Assistance (Clarification)

It is a common misconception that the federal government offers "free money" or direct grants to individuals for personal needs like clothing or shoes. This is not the case. The U.S. government does not provide grants directly to individuals for such purposes.

Federal funding for social services is typically awarded to states and non-profit organizations, which in turn operate the local assistance programs described throughout this resource. Therefore, the most effective way to access government-supported aid is to connect with local agencies and non-profits.

A Parent's Toolkit: Ensuring a Healthy and Lasting Fit

Receiving a pair of free shoes is the first step. Ensuring they fit properly and last as long as possible is equally important for a child's health and for maximizing the value of the donation.

The Critical Impact of Well-Fitting Shoes

Properly fitting footwear is crucial for a child's physical development, as ill-fitting shoes can lead to long-term health issues.

• Physical Health: Well-fitting shoes support the natural development of a child's feet, ankles, and overall posture. They help prevent conditions like ingrown toenails, blisters, and foot pain.
• Confidence and Activity: A comfortable, appropriate pair of shoes boosts a child's confidence and self-esteem. It allows them to participate fully and safely in physical activities at school and at play. 

How to Measure Your Child's Feet Accurately at Home

If you are receiving shoes from a program where you cannot try them on first, providing an accurate measurement is essential. You can easily measure your child's feet at home.

1. Prepare Your Station: Have your child stand on a plain piece of paper on a hard floor, with their heel against a wall.
2. Trace the Foot: Using a pen held straight up, trace the outline of their foot. Mark the tip of their longest toe and the back of their heel.
3. Measure Both Feet: Use a ruler to find the distance between the marks. It is common for one foot to be slightly larger, so you must measure both.
4. Use the Larger Measurement: Always use the measurement from the larger foot to determine shoe size. If between sizes, it is best to size up.

Practical Tips to Make Children's Shoes Last Longer

For families on a tight budget, extending the life of a pair of shoes is crucial. Teaching children a few simple habits can make a significant difference.

• Take Shoes Off Properly: Encourage children to untie laces or undo straps before taking shoes off. Kicking shoes off can quickly damage the heel.
• Clean Them Regularly: Regularly wipe shoes with a damp cloth to remove grime that can degrade the material over time.
• Air Them Out: After a day of wear, shoes should be left in a dry, open area to air out. This prevents odor and allows moisture to evaporate.
• Polish and Protect: For leather shoes, applying polish can cover scuffs and keep the material conditioned. Using a waterproofing spray can shield them from moisture damage.

Frequently Asked Questions

For Georgia homeowners experiencing financial distress, the prospect of falling behind on mortgage payments can be overwhelming. The Georgia Mortgage Assistance Program offers a critical lifeline, serving as the state's primary solution for those struggling with housing costs due to pandemic-related hardships.

This relief is funded by the federal Homeowner Assistance Fund (HAF) and administered by the Georgia Department of Community Affairs (DCA). It is specifically designed to prevent mortgage delinquencies, defaults, and foreclosures. The program provides two distinct forms of aid: direct financial grants to catch up on past-due payments and long-term refinance loans to make future payments more affordable. Navigating these options is the first step toward securing your financial stability.

Understanding the Georgia Mortgage Assistance Program

The program represents a significant state and federal effort to stabilize communities impacted by the economic fallout of the COVID-19 pandemic. Understanding its structure and purpose is essential for any homeowner seeking assistance.

What It Is and Who It's For

The Georgia Mortgage Assistance Program was established using approximately $354 million allocated to the state from the U.S. Treasury's Homeowner Assistance Fund. This fund was created by the American Rescue Plan Act of 2021.

The program's core mission is to mitigate financial hardships for homeowners who experienced a significant loss of income or increase in expenses after January 21, 2020, as a result of the coronavirus pandemic. Its primary goals are to prevent mortgage delinquencies, defaults, foreclosures, and the loss of utilities for homeowners in their primary residences.

Administered by the State's Housing Experts

To ensure the funds are distributed effectively, the program is managed by the Georgia Department of Community Affairs (DCA). The DCA is the state's central housing agency, responsible for a wide range of initiatives including affordable housing development and homeownership programs like Georgia Dream. This administration by a trusted state entity provides a layer of security and legitimacy for homeowners.

Two Distinct Paths to Relief: Grant vs. Loan

The Georgia Mortgage Assistance Program offers two different types of assistance tailored to address distinct financial challenges. This dual structure helps homeowners who need immediate, short-term help as well as those who require a more permanent change to their mortgage.

The two options are:

1. The HAF Grant: A non-repayable grant of up to $50,000 to catch up on past-due mortgage payments and other housing-related expenses. This is ideal for homeowners who have recovered from a temporary financial hardship but need help clearing accumulated debt.
2. The GMA Refinance Loan: A new, long-term loan with favorable terms for homeowners whose income has not fully recovered, making their current mortgage unaffordable. This path offers a structural solution by lowering the monthly payment.

It is critical for applicants to understand that these are separate options. A homeowner must decide which form of assistance best suits their situation before applying, as applying for both simultaneously can cause significant delays.

Are You Eligible? A Comprehensive Checklist for Homeowners

Eligibility for the Georgia Mortgage Assistance Program is determined by a strict set of criteria. These rules relate to the nature of the financial hardship, the property itself, and the homeowner's household income.

The Foundational Requirement: A Pandemic-Related Hardship

The cornerstone of eligibility is a documented, pandemic-related financial hardship. This is defined as a significant reduction in income or a significant increase in living expenses that occurred after January 21, 2020.

Qualifying hardships may include, but are not limited to:

• Unemployment or underemployment due to COVID-19.
• Increased expenses due to healthcare costs.
• Becoming a caregiver for a family member affected by the pandemic.
• Divorce or loss of child support linked to the pandemic's economic impact.
• Experiencing a short-term disability due to COVID-19.

Homeowners must be prepared to describe and document this hardship and how it led to their inability to meet mortgage obligations.

Property and Ownership Rules

Specific rules regarding the property ensure that funds are used to preserve primary homeownership for Georgia residents.

• Location: The home must be located within the state of Georgia.
• Primary Residence: The property must be the owner's primary residence. Investment properties, second homes, or vacant properties are ineligible.
• Ownership: The property's deed must be in the name of a natural person, not a trust, business, or LLC.
• Loan Type: The original mortgage must have met conforming loan limits at the time of origination, such as those backed by Freddie Mac, Fannie Mae, FHA, USDA, and the VA.

Household Income Limits: A Critical Hurdle

Eligibility is strictly limited to low- and moderate-income households, based on the Area Median Income (AMI) which varies by county. The income limits are different for the grant and the refinance loan.

• For the HAF Grant: Household income must be at or below 100% of the Area Median Income (AMI). For "socially disadvantaged individuals," the limit is raised to 150% of the AMI.
• For the GMA Refinance Loan: The total current household income must not exceed 80% of the Area Median Income (AMI) for the county of residence.

Grant vs. Refinance Loan Eligibility at a Glance

Financial Relief Option 1: The HAF Grant (Up to $50,000)

For homeowners who have stabilized their finances but are burdened by past-due bills, the Homeowner Assistance Fund (HAF) Grant offers a powerful tool for a fresh start.

How the Grant Works

The HAF Grant provides up to $50,000 in assistance that does not need to be repaid. The funds are not given directly to the homeowner. Instead, the DCA makes payments on the homeowner's behalf to the mortgage lender, county tax commissioner, or utility provider.

By signing an "Affordability Affidavit," the homeowner attests that they can resume making regular monthly payments once the grant brings their accounts current. This underscores the grant's purpose as a bridge for those who have overcome a temporary hardship.

Mortgage Reinstatement

The most common use of the HAF grant is for mortgage reinstatement. This involves a one-time payment to cover all delinquent mortgage payments, bringing a past-due loan completely current. To be considered, a homeowner must generally be at least 60 days delinquent. The program may also provide funds for up to three additional forward-looking mortgage payments.

Principal Curtailment (Balance Reduction)

In specific situations, the grant can be used for principal curtailment, which is a lump-sum payment to reduce the total mortgage balance. This is typically for homeowners who have suffered a permanent loss of income due to the pandemic, such as the death or permanent disability of a co-borrower from COVID-19.

Covering Other Essential Housing Costs

The HAF grant can also be used to pay off other delinquent housing-related expenses that could put a homeowner at risk. These include:

• Delinquent non-escrowed property taxes.
• Past-due non-escrowed property insurance premiums.
• Delinquent Homeowners Association (HOA) fees.
• Delinquent water, gas, and electric utility bills.

Assistance for delinquent utility bills is only available in conjunction with mortgage assistance; it cannot be requested as a standalone service.

Financial Relief Option 2: The GMA Refinance Loan

For homeowners facing a long-term struggle with high mortgage payments, the Georgia Mortgage Assistance (GMA) Refinance Loan program offers a more sustainable solution.

A Long-Term Solution for Affordability

The GMA Refinance Loan is a new mortgage loan, not a one-time payment. It replaces the homeowner's existing, unaffordable mortgage with a new one that has more favorable terms. Because it is a loan, it requires monthly payments, and failure to make these payments can result in foreclosure.

Key Loan Features and Terms

The GMA Refinance Loan program offers several highly advantageous features:

• Loan Type: A conventional loan serviced by State Home Mortgage.
• Interest Rate: A fixed interest rate of 3%, which is significantly below market rates.
• Term: A loan term of up to 40 years to help lower the monthly payment.
• Covered Costs: The program covers many refinancing costs, including attorney fees, housing counseling, and loan origination fees.
• Consolidation: The program consolidates eligible mortgage liens into a single new loan with one predictable monthly payment.

Specific Eligibility for the Refinance Program

The eligibility criteria for the refinance loan are more restrictive than for the grant.

• Home Purchase Date: The home must have been purchased before January 1, 2020.
• Mortgage Balance: The total balance of all mortgage-related loans must be $350,000 or less.
• Other Property Ownership: The homeowner and any spouse in the home cannot own any other residential property.
• Income Limit: The current total household income must not exceed 80% of the Area Median Income (AMI).
• Affordability: The new mortgage payment cannot exceed 43% of the borrower's gross monthly income.

A Time-Limited Opportunity

The GMA Refinance Loan program is a finite resource. It will end when the allocated funds are exhausted or by September 2026, whichever occurs first. The DCA has described it as a "time-limited opportunity," and eligible homeowners are encouraged to apply as soon as possible.

How to Apply for Georgia Mortgage Assistance: A Step-by-Step Process

The application for the Georgia Mortgage Assistance program is handled entirely online. Being prepared with the correct documentation can make the process smoother.

Step 1: Gather Your Documents

Before beginning, it is crucial to gather all necessary documents for all homeowners, borrowers, and any spouse living in the home.

The required document checklist includes:

• Valid Identification: A driver's license or other government-issued ID.
• Proof of Income: Recent tax returns or pay stubs for all household members.
• Mortgage Statement: The most current mortgage statement.
• Property Verification: The property deed or other documents verifying ownership.
• Other Expense Statements: Recent HOA, property tax, or insurance bills if applicable.
• Personal Information: Social Security numbers for all applicants and household members.

Step 2: The Online Application Portal

The entire application process is managed through the official state portal.

1. Visit the Official Website: Navigate to georgiamortgageassistance.ga.gov.
2. Begin Pre-Screening: Click the "Begin Screening" button to answer preliminary questions that determine basic eligibility.
3. Create Your Profile: If successful, create a user profile with a valid email address, which will be used for all program communications.
4. Complete the Application: Fill out each section, providing details about the pandemic hardship and selecting the type of assistance requested.
5. Upload Documents: In the "Documents" section, upload clear copies of all required documents.

Step 3: After You Submit

Once the application is complete, the final steps involve submission and follow-up.

1. Review and E-Sign: Carefully review all information for accuracy, then electronically sign and submit the application.
2. Monitor Your Account: Regularly log into the portal and check your email for status updates or requests for more information.
3. Be Patient: Application volume can be heavy, and processing may take time.
4. Urgent Foreclosure Notice: If you receive a foreclosure sale date after applying, contact customer service immediately at haf@dca.ga.gov.

Essential Resources and Professional Support

Navigating mortgage difficulties can be complex. Fortunately, Georgia homeowners have access to free, professional resources to help them through the process.

The Most Important First Step: Contact a HUD-Approved Housing Counselor

Homeowners struggling with their mortgage are strongly encouraged to contact a nonprofit, HUD-approved housing counseling agency. These agencies provide expert, confidential advice at no cost.

A certified housing counselor can:

• Review your financial situation and create a budget.
• Explain all available options, including the Georgia Mortgage Assistance program and lender-provided loss mitigation.
• Assist with gathering documents and completing applications.
• Negotiate directly with your mortgage lender on your behalf.

The U.S. Department of Housing and Urban Development (HUD) provides a searchable list of approved agencies online, or homeowners can call their toll-free hotline at (800) 569-4287.

Warning: Avoid Foreclosure Rescue Scams

It is critically important to be aware of foreclosure rescue scams. These are for-profit companies that target vulnerable homeowners, often charging high fees for services that are ineffective or available for free.  

Key red flags of a scam include:

• Anyone asking for a fee to apply for the Georgia Mortgage Assistance program. The official application is 100% free.
• Companies that guarantee they can stop a foreclosure.
• Anyone who advises you to stop making mortgage payments or communicating with your lender.

The safest path is to work only with official program channels and free, HUD-approved housing counseling agencies.

Official Program Contacts and Information

To ensure access to accurate information, homeowners should rely exclusively on official sources.

• Official Program Website: https://www.georgiamortgageassistance.ga.gov/
• Customer Service Phone Number: 1-877-519-4443
• Administering Agency: Georgia Department of Community Affairs (DCA) - https://dca.georgia.gov/

Frequently Asked Questions

The stress of struggling with mortgage payments can be overwhelming. For homeowners in Florida, finding a clear path forward through financial hardship is a critical first step toward stability. This guide provides a comprehensive overview of the mortgage relief programs and resources currently available. It offers a clear roadmap to help you navigate these challenges and preserve your homeownership.

Critical Update: The Florida Homeowner Assistance Fund (HAF) is Closed

It is essential for homeowners to know that the primary statewide relief program, the Florida Homeowner Assistance Fund (HAF), is no longer accepting new applications. This federally funded program was created under the American Rescue Plan Act of 2021 to address pandemic-related financial hardships.

Managed by the Florida Department of Economic Opportunity (DEO), now Florida Commerce, the HAF program offered up to $50,000 per household. This aid covered delinquent mortgage payments, property taxes, homeowners insurance, and utility bills. The program stopped accepting new applications on August 26, 2022, due to overwhelming demand that exceeded its $676.1 million allocation.

Checking an Existing HAF Application

If you submitted an application before the deadline, you can still check its status.

• Phone: Contact the HAF Customer Assistance Center at 833-987-8997.
• Email: Reach out to HomeownerAssistanceFund@DEO.MyFlorida.com.
• Online: Florida also launched a public dashboard to track HAF program progress and funds distributed.

The closure of this centralized program means homeowners must now explore a variety of other options. This guide will help you understand the fragmented landscape of mortgage relief that remains available.

Beyond HAF: A Roadmap to Available Mortgage Assistance in Florida

With the HAF program closed, the strategy for finding mortgage relief in Florida has shifted. Homeowners should now focus on local, federal, and direct-lender options.

The primary avenues for assistance now include:

1. Local Government Grants: County- and city-level programs, often funded through the state's State Housing Initiatives Partnership (SHIP), offer direct financial assistance.
2. Federal Refinancing Programs: Specialized refinancing options from Fannie Mae and Freddie Mac can lower monthly payments for eligible homeowners.
3. Direct Lender Negotiations: Forbearance and loan modification programs are available directly from mortgage servicers.
4. Professional Guidance: Free, expert advice is available from U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agencies.

Florida Mortgage Relief Options at a Glance

Local Government Assistance: The State Housing Initiatives Partnership (SHIP) Program

With the statewide HAF program closed, the most important source of grant-based mortgage assistance is now at the local level through the State Housing Initiatives Partnership (SHIP) program.

Understanding SHIP: Florida's Hyper-Local Relief Network

The SHIP program provides funds to all 67 counties and 55 eligible cities across the state. Administered by the Florida Housing Finance Corporation, SHIP is an ongoing initiative established in 1992 to create and preserve affordable housing.

Local governments use these funds for a range of housing activities, including emergency repairs and mortgage assistance to prevent foreclosure. This makes local SHIP offices the most direct alternative to HAF for homeowners seeking grants. Funding is targeted toward very-low, low, and moderate-income families, with income caps varying by county.

How to Find and Apply for Your Local SHIP Program

Finding and applying for local assistance requires a direct approach:

1. Identify Your Local Office: Use the directory on the Florida Housing Finance Corporation website. Search for your city first; if it's not listed, search for your county to find the correct contact information.
2. Inquire About Available Funds: Contact the local office to ask about the current availability of funds for "mortgage assistance" or "foreclosure prevention."
3. Confirm Eligibility: If funds are available, ask about the specific eligibility requirements and the application process for your locality.

Examples of SHIP Programs in Major Counties

The implementation of SHIP varies widely. The following examples illustrate the types of programs that may be available, but homeowners must always contact their local office to confirm current status and details.

• Miami-Dade County: The Mortgage Relief Program (MRP) provides up to $3,500 for late mortgage payments, HOA fees, insurance, and utility bills for homeowners with an income up to 140% of the Area Median Income (AMI).
• Palm Beach County: This county has previously used federal funds to offer up to $10,000 for delinquent mortgage and HOA payments for households impacted by COVID-19 with incomes at or below 80% of AMI.
• St. Lucie County: The Homeowner Assistance Program has offered up to $6,000 for past-due mortgage, escrow, insurance, or HOA fees for residents with an income at or below 80% of AMI.
• Lake and Lee Counties: Lake County's SHIP program focuses on down payment assistance. Lee County offers a Financial Crisis Assistance program for past-due mortgage or utility bills resulting from a temporary loss of income.

Quick Reference Guide to Housing Assistance in Major Florida Counties

Federal Refinancing Options to Lower Your Monthly Payments

For homeowners with a steady income who are struggling with an unaffordable monthly payment, refinancing may be a solution. The federal government sponsors specific programs for homeowners who might not qualify for a traditional refinance. These programs are best for those who are current on their mortgage but are overburdened by a high interest rate or have little equity.

Fannie Mae RefiNow™

RefiNow™ is a refinance option for homeowners whose mortgage is owned by Fannie Mae. You can verify ownership using the official Fannie Mae Loan Lookup Tool.

Key Benefits

• Guaranteed Savings: The program requires the new loan to reduce your interest rate by at least 0.50% and lower your total monthly payment.
• Appraisal Assistance: A $500 credit is provided to you if a home appraisal is required.

Eligibility Requirements

• Income: Your household income must be at or below 100% of the Area Median Income (AMI).
• Payment History: You must have no missed mortgage payments in the past six months and no more than one in the past 12 months.
• Loan-to-Value (LTV): Up to 97%.
• Debt-to-Income (DTI): Up to 65%.
• Credit Score: A minimum credit score of 620 is required.

To apply, you must work with a lender participating in the RefiNow™ program. A list of lenders is available on Fannie Mae's website.

Freddie Mac Refi Possible®

Refi Possible® is a parallel program for homeowners whose mortgage is owned by Freddie Mac. You can confirm ownership using the Freddie Mac Loan Look-Up Tool.

Key Benefits

• Guaranteed Savings: Also requires a minimum 0.50% interest rate reduction and a lower monthly payment.
• Appraisal Assistance: Also provides a $500 credit if an appraisal is needed.

Eligibility Requirements

• Income: Household income must be at or below 100% of AMI.
• Payment History: No 30-day late payments in the past six months and no more than one in the last 12 months.
• LTV: Up to 97%.
• DTI: Up to 65%.
• Credit Score: Lenders typically require a score of at least 620.

Fannie Mae RefiNow™ vs. Freddie Mac Refi Possible®

Streamline Refinance for FHA, VA, and USDA Loans

Homeowners with government-backed mortgages (FHA, VA, and USDA) have access to a simplified "Streamline Refinance" process. These programs are a fast and low-cost way to get a lower interest rate.  

Key features typically include:

• Reduced paperwork.
• No re-verification of income or employment.
• Often, no new home appraisal is needed.

This is a critical option for homeowners who do not have conventional loans and therefore do not qualify for RefiNow™ or Refi Possible®.

Essential Resources and Professional Guidance

Navigating mortgage hardship is complex, but you don't have to face it alone. Leveraging professional support is often the most important step a homeowner can take.

Your First Call: Negotiating with Your Mortgage Lender

Before seeking any external program, your first and most critical action is to contact your mortgage servicer. Lenders are generally motivated to find solutions to avoid foreclosure and often have internal programs available.

The two most common options are:

• Forbearance: A temporary agreement to pause or reduce payments for a specific period. This is for homeowners facing a short-term hardship. Missed payments must be repaid later.
• Loan Modification: A permanent change to your mortgage terms to make payments more affordable. This can involve extending the repayment period, reducing the interest rate, or deferring a portion of the principal.

Expert Help is Available: HUD-Approved Housing Counselors

The U.S. Department of Housing and Urban Development (HUD) certifies non-profit agencies that provide free, expert, and unbiased advice to homeowners. Contacting a HUD-approved housing counseling agency should be one of the very first steps for any homeowner in distress.

A HUD-approved counselor can:

• Assess your financial situation and explain all available options.
• Help prepare the necessary documentation for applications.
• Negotiate with your mortgage lender on your behalf.
• Provide guidance on avoiding foreclosure and protecting your credit.
• Help you identify and avoid mortgage relief scams.

Directory of HUD-Approved Housing Counseling Agencies in Florida

You can find a local agency using the official HUD Housing Counseling Agency Lookup tool or by calling (800) 569-4287. Below are several key agencies operating in Florida:

• Statewide/National with Florida Presence:
• Green Path Financial Wellness: (866) 648-8118
• Money Management International, Inc.: (866) 232-9080
• South Florida:
• Consolidated Credit Solutions, Inc.: (954) 740-5520 (Plantation)
• Hispanic Unity of Florida: (954) 342-0415 (Hollywood)
• Neighborhood Housing Services of South Florida: (305) 751-5511
• Central Florida:
• Catholic Charities of Central Florida: (407) 658-1818 (Orlando)
• Solita's House Inc.: (813) 425-4847 (Tampa)
• Housing and Education Alliance: (813) 932-4663 (Tampa)
• North Florida:
• City of Panama City Community Development: (850) 872-7231

Understanding Foreclosure Defense

If you have received a formal notice of foreclosure, you may need legal assistance. A foreclosure defense attorney can navigate the legal proceedings, verify the lender has followed all required procedures, and represent you in court or negotiations. This step is typically for those in an advanced stage of delinquency.

Frequently Asked Questions (FAQ) about Florida Mortgage Relief

What is the official website for Florida mortgage assistance?

There is no longer a single, official statewide website for mortgage assistance. The best starting point for information on state-level programs is the Florida Housing Finance Corporation website (floridahousing.org). For direct grant assistance, homeowners must contact their local county or city housing office.

How do I apply for mortgage relief in Florida?

The application process varies by program.

• For local grants (SHIP): Contact your county's housing office directly.
• For federal refinancing (RefiNow/Refi Possible): Apply with a participating mortgage lender.
• For forbearance or modification: Contact your mortgage servicer directly.

What documents are typically required for mortgage assistance applications?

Most programs ask for a standard set of documents, including a government-issued photo ID, proof of income, a signed hardship letter, and recent statements for your mortgage, property taxes, homeowners insurance, and utilities.

Will receiving mortgage assistance negatively affect my credit score?

The impact depends on the type of assistance.

• Grants: Receiving a grant should not negatively impact your credit score.
• Forbearance/Modification: These agreements may be noted on a credit report, which is less damaging than a missed payment or foreclosure.
• Refinancing: This involves a hard credit inquiry, but successfully refinancing can improve long-term credit health by preventing future missed payments.

Are there special mortgage programs for teachers or first responders in Florida?

Yes, the Florida Hometown Heroes Housing Program provides down payment and closing cost assistance to first-time homebuyers in over 50 eligible professions. The program offers up to 5% of the first mortgage loan amount (maximum of $35,000) as a 0% interest, deferred second mortgage. Note that this is a home purchase program, not a foreclosure prevention program.

How can I identify and avoid mortgage relief scams?

• Upfront Fees: Legitimate organizations, especially HUD-approved counselors, provide services for free. Never pay a fee for a promise of assistance.
• Guarantees: No one can guarantee they will stop a foreclosure.
• Instructions to Stop Payments: Never stop making mortgage payments based on the advice of a third party. Always communicate directly with your mortgage servicer.

Frequently Asked Questions

An unreliable or broken refrigerator is more than an inconvenience. For many families, it represents a significant financial crisis and a risk to food security. The cost of a new appliance can be a major barrier, leaving households with an inefficient unit or without any refrigeration at all.

Fortunately, a range of established, no-cost programs exists to help low-income families obtain a new, energy-efficient refrigerator. These programs are offered by utility companies, funded by the federal government, and supported by community organizations. They are designed to provide an essential appliance and help families save money on monthly energy bills.

Utility Company Appliance Replacement Programs: Your Most Direct Path

For many households, the most direct route to a free refrigerator is through programs sponsored by their local utility company. These initiatives are well-funded, professionally managed, and designed to replace old appliances with new, energy-saving models at no cost to eligible customers.

The Energy Savings Assistance Program in California

In California, the Energy Savings Assistance (ESA) Program is a statewide initiative providing income-qualified customers with free home energy improvements, including the replacement of old refrigerators. The program is available at no cost to both homeowners and renters and is a key part of the state's effort to reduce energy consumption and lower utility bills.

How The ESA Program Works

Funded by California utility customers, the ESA program is administered by major utilities like PG&E, SCE, SDG&E, and SoCalGas. Its goal is to provide immediate relief to low-income households by reducing their energy costs. Qualified participants receive a home assessment from a certified contractor who identifies opportunities for free upgrades, with refrigerator replacement being a common service.

Who is Eligible for the ESA Program?

Eligibility can be established in one of two ways: through household income or by participation in certain public assistance programs.

1. Income-Based Qualification

A household qualifies if its total gross annual income is at or below the program's limits.

Income guidelines are based on current sources and are valid through May 31, 2026. Always confirm figures with your specific utility.

2. Program-Based Qualification

Households with a member enrolled in a qualifying public assistance program may be automatically eligible. This streamlines the application process. Qualifying programs include:

• Bureau of Indian Affairs General Assistance
• Cal Fresh Benefits (SNAP or Food Stamps)
• Cal Works (TANF) or Tribal TANF
• Head Start Income Eligible (Tribal Only)
• Low Income Home Energy Assistance Program (LIHEAP)
• Medi-Cal / Medicaid
• National School Lunch Program (NSLP)
• Supplemental Security Income (SSI)
• Women, Infants, and Children Program (WIC)

The Three-Stage Process: From Application to Installation

The ESA program is managed by utility-approved contractors and follows a simple three-stage process.

1. Qualification and Assessment: An authorized contractor contacts you to schedule a home assessment, verifies eligibility, and identifies which energy-saving measures are most effective for your home.
2. Service Delivery: If a refrigerator replacement is approved, professional installers deliver a new, ENERGY STAR® certified unit, install it, and haul away the old appliance for recycling at no charge. 
3. Inspection: A follow-up inspection may be conducted to ensure all work meets quality and safety standards. Any deficient work is corrected at no cost.

How to Apply with Your Utility Provider

The first step is to contact your specific utility company.

• Southern California Edison (SCE): Apply online through the "My Account" portal.
• Website: sce.com/esap
• Phone: 1-800-736-4777
• SoCalGas: Complete an online interest form or call to determine eligibility.
• Website: socalgas.com/save-money-and-energy/assistance-programs/energy-savings-assistance-program
• Phone: 1-800-331-7593
• Pacific Gas & Electric (PG&E): PG&E requires the existing refrigerator to be at least 15 years old.
• Website: pge.com/en/save-energy-and-money/energy-saving-programs/energy-savings-assistance-program.html
• Phone: 1-800-933-9555
• San Diego Gas & Electric (SDG&E): Submit an interest form online to begin the qualification process.
• Website: sdge.com/residential/pay-bill/get-payment-bill-assistance/assistance-programs/no-cost-energy-efficient-home-improvements
• Phone: 1-800-411-7343

Los Angeles DWP Refrigerator Exchange Program

Los Angeles Department of Water and Power (LADWP) customers have access to a unique Refrigerator Exchange Program. This service provides a direct, one-for-one swap of an old, inefficient refrigerator for a new, energy-saving ENERGY STAR® model, completely free of charge.

Program Overview

The LADWP program helps income-qualified customers reduce energy use and lower their electricity bills. An approved contractor, Appliance Recycling Centers of America (ARCA), delivers a new 15- or 18-cubic-foot model and removes the old unit for recycling. This service can save a household an estimated $60 annually on electricity costs.

Customer and Refrigerator Qualifications

This program has specific requirements for both the customer and the old appliance.

Customer Qualifications: An LADWP customer must be enrolled in one of these low-income discount programs:

• EZ-SAVE Program
• Senior Citizen/Disability Lifeline Rate
• Life Support Equipment Discount
• Physician Certified Allowance Discount

Refrigerator Qualifications: The old refrigerator must meet these criteria :  

• Be at least 10 years old.
• Have a minimum size of 14 cubic feet.
• Be in working condition.
• Be the primary refrigerator, located in the kitchen.
• Be plugged into a properly grounded, three-prong outlet.

How to Apply for the Exchange

The application process is managed by LADWP's contractor, ARCA.

1. Confirm Eligibility: Ensure you are an LADWP customer enrolled in a qualifying discount program.
2. Contact ARCA: Reach out to Appliance Recycling Centers of America (ARCA) to schedule the exchange.
3. Provide Information: Be ready to provide your LADWP account information to confirm your program participation.

Contact Information for Homeowners and Tenants:

• Website: www.ladwpexchange.com  
• Phone: 1-800-722-9340 or 1-800-246-0441
• Email: ordermgmt@customerconnexx.com

Federally Funded Programs for Energy Efficiency and Appliance Help

The U.S. government funds two national programs to help low-income families: the Weatherization Assistance Program (WAP) and the Low Income Home Energy Assistance Program (LIHEAP). These programs are administered at the state level by local community agencies. While they may not always offer a standalone refrigerator replacement, appliance repair or replacement can be included as part of broader home energy services.

The Weatherization Assistance Program (WAP)

The U.S. Department of Energy's Weatherization Assistance Program (WAP) is the nation's largest residential energy efficiency program. It aims to reduce energy costs for low-income households by improving home energy efficiency, health, and safety. WAP services have helped millions of families save an average of $372 or more per year on energy costs.

How WAP Provides Appliance Assistance

WAP uses a "whole-house" approach. Certified auditors assess a home to identify the most cost-effective energy-saving measures, such as insulation and air sealing. If an old refrigerator is a significant source of energy waste, its repair or replacement can be included in the weatherization service package at no cost.  

Eligibility and How to Find a Provider

WAP eligibility is often set at or below 60% of the State Median Income. Households with members receiving SSI or TANF may be automatically eligible. To apply, you must contact the local agency serving your county.

• Find Your State Office: Visit the Department of Energy's "How to Apply for Weatherization Assistance" page to find your state's WAP office.
• Locate Your Local Provider: Your state office will direct you to the local community action agency or non-profit that delivers services in your area.

The Low Income Home Energy Assistance Program (LIHEAP)

The Low Income Home Energy Assistance Program (LIHEAP) primarily helps families manage their energy bills. However, LIHEAP funding is also allocated for weatherization and minor energy-related home repairs, which can include appliance repair or replacement.

Appliance Assistance through LIHEAP Weatherization

Appliance assistance is typically provided through the LIHEAP Weatherization component. Local service providers use these funds to offer free energy efficiency upgrades, which can include installing energy-efficient refrigerators, furnaces, and water heaters to lower monthly utility bills.

How to Apply for LIHEAP

LIHEAP assistance is provided through designated local service providers, not the federal government.

• National Locators: To find your local LIHEAP office, use the resources provided by the Administration for Children and Families.
• Website: Visit Energyhelp.us to search for providers.
• Hotline: Call the National Energy Assistance Referral (NEAR) hotline at 1-866-674-6327.
• State-Specific Resources: Many states have their own portals. For example, California's Department of Community Services and Development (CSD) has a "Find Services In Your Area" tool on its website.

Support from Charitable Organizations and Community Action Agencies

A vital network of non-profit organizations and community action agencies provides essential support at the local level. These groups can offer direct appliance provision, vouchers, or financial aid. The type of assistance varies, but all serve the critical goal of helping families in need.

Community Action Agencies: The Local Experts

Community Action Agencies are the frontline organizations that administer federal LIHEAP and WAP funds. They are often the best first contact for hands-on assistance with appliance replacement, managing the process from application to installation.

The Maravilla Foundation, for example, serves several communities in Los Angeles County and explicitly offers "Refrigerator Repair or Replacement" through its LIHEAP-funded programs.

To get help from a community action agency like Maravilla:

• Verify Service Area: Confirm that your address is within the agency's service area, often using a ZIP code checker on their website.
• Contact Them Directly: Call their dedicated hotlines to inquire about appliance assistance.
• Maravilla Foundation HEAP Hotline: (323) 721-4162
• Maravilla Foundation Weatherization Hotline: (323) 869-4600
• Apply: Follow their application process, which typically requires documentation of income, residency, and household size.

St. Vincent de Paul

The Society of St. Vincent de Paul is a volunteer organization that provides direct, person-to-person assistance. One of their key services is providing free, gently used furniture and appliances through a voucher system for their thrift stores.

How the Voucher System Works

Assistance begins with a personal connection to local volunteer groups based in Catholic church parishes 

1. Contact for Assistance: A family in need contacts their local group or the central assistance hotline.
2. Home Visit: Volunteers, known as "Vincentians," may conduct a home visit to understand the family's needs.
3. Voucher Issuance: If a need for an essential appliance is determined, the group can issue a voucher.
4. Redemption at Thrift Store: The family can take this voucher to a local St. Vincent de Paul thrift store to select a refrigerator at no cost.

Availability depends on the current inventory of donated, second-hand goods.

How to Get Help:

• Assistance Hotline: Call the Vincentian Services assistance hotline at 1-888-552-7872.

The Salvation Army

The Salvation Army is known for its broad range of social services, focusing on emergency assistance to prevent homelessness. While they do not have a specific "free refrigerator program," their local centers can be a source of emergency financial aid.

Focus on Emergency Financial Assistance

Assistance is highly localized and depends on available funding. A family facing a crisis, such as a broken refrigerator, can meet with a caseworker who may provide:

• A one-time financial grant to help cover the cost of an appliance.
• A referral to another local agency that specializes in providing appliances.
• Other support, such as food assistance, to free up the family's funds.

How to Apply for Assistance:

• Find Your Local Center: Use the location finder on The Salvation Army's national website to find the service center nearest you.
• Contact Social Services: Call the local center and ask to speak with someone in the social services or emergency assistance department.

Affordable Alternatives if You Don't Qualify for Free Programs

For families who fall just outside the strict income guidelines for free programs, excellent options are still available. These include purchasing low-cost used appliances from non-profit stores and using utility rebate programs to reduce the cost of a new model.

Habitat for Humanity ReStores

Habitat for Humanity ReStores are non-profit home improvement stores that sell new and gently used furniture, appliances, and building materials. Proceeds support Habitat for Humanity's mission of building affordable housing.

ReStores are an outstanding resource for affordable, working refrigerators. They often accept only major appliances that are less than eight years old and in good condition, ensuring customers purchase reliable items at a fraction of the retail cost.

Utility Rebate Programs

If purchasing a new refrigerator is an option, check for rebate programs from your local utility company. These programs provide cash back to customers who purchase a qualifying ENERGY STAR® certified model, which can significantly lower the final cost.

It is important to understand the difference between a free replacement and a rebate.

• Free Replacement Programs: The utility provides the appliance upfront at no cost.
• Rebate Programs: The customer buys the appliance first and then submits an application to receive money back.

For example, the LADWP's Efficient Product Marketplace (EPM) offers rebates of $65-$75 for a new ENERGY STAR® refrigerator. SoCalGas and other utilities also offer rebates on energy-efficient appliances.

Key Steps to Secure Your Appliance

Navigating assistance programs can feel complex, but following a clear path can help you find the help you need. Numerous resources exist to help low-income families secure a no-cost or low-cost refrigerator.

The most effective action plan is as follows:

1. Start with Your Utility Company. This is the most direct path to a new, free refrigerator. Contact your utility first to inquire about programs like the Energy Savings Assistance (ESA) Program.
2. Contact Your Local Community Action Agency. If your utility doesn't offer a direct replacement program, find the local agency that administers federal LIHEAP and WAP funds.
3. Explore Charitable Support. Reach out to organizations like the Society of St. Vincent de Paul for their voucher program or The Salvation Army for emergency financial assistance.
4. Investigate Affordable Alternatives. If you don't qualify for free programs, check your local Habitat for Humanity ReStore for a low-cost used refrigerator and look for utility rebates before buying a new one.

By taking these steps, you can access the resources designed to ensure every family has access to essential appliances, making your home safer, more energy-efficient, and more financially stable.

Frequently Asked Questions

For Delaware homeowners facing financial hardship, the Delaware Mortgage Relief Program has been a critical topic. If you are seeking assistance, it is vital to have the most current information. The primary mortgage relief program created in response to the pandemic is now fully subscribed and no longer accepting new applications for mortgage assistance.

This does not mean that help is unavailable. The Delaware State Housing Authority (DSHA) and its partners continue to offer programs to help homeowners prevent foreclosure, manage payments, and address home repairs . Dealing with mortgage difficulties is stressful, but there is a path forward. This information will guide you through the active resources that can provide stability.

The Original Delaware Mortgage Relief Program (DE-MRP)

To understand the current landscape of housing aid, it is helpful to know the history of the Delaware Mortgage Relief Program (DE-MRP), also known as the Delaware Homeowner Assistance Fund (DEHAF) . This was a temporary emergency measure, not a permanent state initiative.

Federal Funding and Purpose

The program was funded by the federal Homeowner Assistance Fund (HAF), established under the American Rescue Plan Act of 2021. Its mission was to support homeowners who experienced financial hardship due to the COVID-19 pandemic after January 21, 2020.

Types of Assistance Offered

The program provided comprehensive support for housing stability:

• Mortgage Assistance: It offered a one-time payment of up to $50,000 per household for delinquent mortgage payments or to help with a loan modification.
• Displacement Prevention: Funds could also cover other critical housing expenses to prevent foreclosure, such as delinquent property taxes, past-due utility bills, and homeowner's association fees.
• Critical Home Repair Grants: A separate grant of up to $20,000 was available for homeowners needing to address critical health and safety repairs.

Program Closure

As a temporary federal program, the DE-MRP operated until its funds were exhausted. The DSHA has announced that the funding has been fully used, and the program is now closed to new mortgage assistance applications . This marks a return to a more traditional system where homeowners must seek specific programs for different needs.

Immediate Steps for Homeowners in Financial Distress

If you are struggling with your mortgage, taking prompt action is the most important factor in achieving a positive outcome. The path forward can be simplified into two critical first steps.

Step 1: Contact a HUD-Approved Housing Counselor

Your first call should be to a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agency. These nonprofit organizations provide expert, confidential guidance at no cost . A certified housing counselor is your professional advocate.

A housing counselor will:

• Review your financial situation.
• Explain all available options in simple terms.
• Communicate with your mortgage servicer on your behalf.
• Help you complete applications for assistance programs.

Engaging a counselor early significantly increases your chances of avoiding foreclosure. Below is a directory of HUD-approved agencies serving Delaware.

Step 2: Communicate with Your Mortgage Servicer

You should also proactively contact your mortgage servicer—the company you send payments to. It is best to contact them before you miss a payment, but it is never too late to start a conversation.

When you speak with your servicer, you will discuss "loss mitigation" options. A housing counselor can be invaluable in these negotiations. Key options include:

• Forbearance: Temporarily pause or make smaller payments for a limited time. The skipped payments must be repaid later.
• Repayment Plan: Catch up on missed payments by adding a portion of the past-due amount to your regular monthly payments.
• Loan Modification: A permanent change to your loan terms, such as the interest rate or term length, to lower your monthly payment.

Active Foreclosure Prevention Programs in Delaware

While the broad DE-MRP grant program has ended, Delaware maintains a strong legal framework and targeted programs to help homeowners avoid foreclosure.

Delaware's Foreclosure Mediation Program

For homeowners who have received a foreclosure notice, the state's most powerful tool is the Delaware Automatic Residential Mortgage Foreclosure Mediation Program . This mandatory program from the Attorney General's Office gives you a voice in the process.

• Eligibility: You are eligible for this free program if the property is a one-to-four-unit home that is your primary residence.
• Process: The program provides a face-to-face meeting with your lender and a neutral mediator to work toward an agreement to avoid a foreclosure sale.
• Outcomes: Mediation can result in a loan modification to stay in your home or a short sale to exit without the severe credit damage of foreclosure.

For more information, contact the Attorney General's hotline at (800) 220-5424.

Other Assistance Initiatives

Several other resources exist to provide targeted relief:

• Wilmington Senior Tax Assistance Program: This program offers a grant of up to $3,000 to homeowners in Wilmington aged 62 or older who face foreclosure due to delinquent property taxes or utility bills.
• Attorney General's Mortgage Fraud Task Force: This task force connects homeowners with certified housing counselors and takes action against foreclosure rescue scams.
• Federally-Backed Loan Options: If your mortgage is backed by Fannie Mae or Freddie Mac, you may have access to specific relief options. A housing counselor can help you explore these avenues.

Home Repair Assistance Programs in Delaware

Financial difficulty with a mortgage often goes hand-in-hand with the inability to afford necessary home repairs. While the DEHAF home repair grant is no longer available, Delaware offers a variety of other programs.

Statewide Emergency Repair Program (SERP)

This is the primary statewide program for low- to moderate-income homeowners facing an emergency that threatens their health or safety . The program is funded by DSHA and administered by the Milford Housing Development Corporation (MHDC).

• Eligibility: You must own and live in your home for at least one year and have a household income at or below 80% of the Area Median Income.
• Covered Repairs: SERP focuses on immediate needs like non-working heating systems, hazardous electrical problems, major leaks, and critical accessibility modifications.
• How to Apply: Contact MHDC at (302) 491-4010 or toll-free at (844) 413-0038 to begin the pre-qualification process.

County and Municipal Programs

Several local governments offer their own repair programs.

• New Castle County: Offers several programs for residents outside Wilmington and Newark, including an Emergency Home Repair Loan, a Senior Repair Program, and an Architectural Accessibility Program.
• City of Wilmington: Periodically runs a Homeowner Repair Lottery for senior residents, providing grants of up to $10,000 for a single critical repair.
• City of Newark: Provides a 0% interest, deferred-payment Home Improvement Loan Program for low-income homeowners to address issues with major systems and accessibility . A separate Senior Home Repair Program is also available.

Federal and Alternative Options

• USDA Section 504 Home Repair Program: This federal program assists very-low-income homeowners in eligible rural areas. It offers loans up to $40,000 and grants up to $10,000 for homeowners 62 or older.
• FHA 203(k) Rehabilitation Loans: This is a mortgage that bundles the cost of repairs and renovations into the total loan amount, useful for buying a home that needs work or for financing major upgrades.
• DNREC Weatherization Assistance Program: This free statewide program improves energy efficiency to lower utility bills for low-income households. It can address issues with insulation, air sealing, and heating and cooling systems.

 Frequently Asked Questions

Facing difficulties with your mortgage payments can be one of the most stressful experiences a homeowner can endure. If you are seeking Connecticut mortgage relief, it is essential to know that you are not alone and that a structured network of support and viable programs exists to help you regain stability.

Taking proactive steps is the key to preventing foreclosure and securing your home. From direct lender negotiations to state-sponsored assistance programs administered by the Connecticut Housing Finance Authority (CHFA), there is a clear path forward. Understanding your options, starting with immediate communication with your mortgage servicer and connecting with expert housing counselors, can empower you to take control of your situation.

First Steps for Connecticut Homeowners Facing Mortgage Hardship

When financial hardship strikes, the threat of losing your home can be overwhelming, often leading to inaction. However, the most critical phase for a positive resolution is the very beginning. Taking immediate, calculated steps can dramatically alter the outcome. The following actions are your foundational first line of defense, designed to open lines of communication and bring expert guidance to your side before the situation escalates.

Your First Call: Contacting Your Mortgage Servicer

The single most important initial action is to contact your mortgage servicer—the company you send your payments to each month. Many homeowners delay this call out of fear or uncertainty, but this is a mistake. Lenders and servicers are generally not interested in foreclosing on your property; it is a costly and complicated process for them as well. They are often motivated to work with you to find a solution that keeps you in your home and ensures they continue to receive payments, even if those payments are temporarily adjusted.

Loss Mitigation Department

When you call, you should ask to speak with the "loss mitigation" or "home retention" department. This department specializes in helping borrowers who are struggling financially. Be prepared to explain your situation honestly and clearly. They will want to understand the nature of your hardship—whether it's temporary (like a short-term job loss) or long-term (like a permanent disability).

Potential Solutions from Your Servicer

Based on your circumstances and loan type, they can offer several potential solutions:

• Forbearance Plan: This is a temporary agreement where your servicer allows you to pause or make reduced mortgage payments for a specific period, typically a few months. It does not erase the debt; you will have to repay the missed or reduced payments later. This is an ideal solution if you are facing a short-term, temporary hardship and expect your income to be restored soon.
• Repayment Plan: If you have fallen behind by a few months but can now resume your regular payments, a repayment plan allows you to catch up on the past-due amount. You would pay your regular monthly mortgage payment plus an additional amount over a set period until the loan is current.
• Loan Modification: This is a more permanent solution for homeowners facing a long-term reduction in income. A modification permanently changes the original terms of your mortgage to make the monthly payments more affordable. This could involve lowering the interest rate, extending the loan term, or in some cases, reducing the principal balance.
• Later-Stage Alternatives: If keeping the home is not feasible, your servicer may discuss options like a Short Sale (selling the home for less than you owe) or a Deed-in-Lieu of Foreclosure (voluntarily transferring ownership of the property to the lender). These options can help you avoid a formal foreclosure on your credit record.

The key is to act early. Do not ignore letters or calls from your lender. The sooner you communicate, the more options you will have available.

Your Most Important Ally: The Free HUD-Approved Housing Counselor

Navigating the complexities of mortgage relief can be daunting, especially when you are under financial and emotional stress. This is why your second, and arguably most critical, step is to partner with a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agency. These non-profit organizations provide expert, confidential advice and advocacy completely free of charge to homeowners.

A HUD-approved housing counselor is your personal advocate. They work for you, not the lender. Their role is to level the playing field by providing you with the knowledge and support needed to make informed decisions.

How a Housing Counselor Can Help

Their services are comprehensive and invaluable:

• Financial Assessment: A counselor will conduct a thorough review of your household budget, income, and expenses to understand the full scope of your financial situation.
• Expert Negotiation: They are trained to communicate and negotiate directly with your mortgage servicer on your behalf. They know the language, the programs, and the processes, which can lead to better outcomes than if you were to negotiate alone.
• Program Navigation: Counselors have deep knowledge of all available federal and state mortgage assistance programs, including Connecticut's Emergency Mortgage Assistance Program (EMAP). They can help you determine your eligibility and guide you through the complex application process.
• Foreclosure Process Guidance: If you have already received a foreclosure notice, a counselor can explain the timeline, your rights, and help you prepare for critical steps like the state's Judicial Foreclosure Mediation Program.

Engaging a counselor is not a sign of failure; it is the smartest strategic move a homeowner in distress can make. It provides you with an expert partner at zero cost.

Finding a HUD-Approved Counselor in Connecticut

You can find a HUD-approved housing counseling agency in Connecticut through several official channels:

• HUD's Online Search Tool: The official HUD website offers a search portal to find an agency near you. You can search by state or zip code.
• HUD's Toll-Free Hotline: You can call (800) 569-4287 to speak with a representative who can connect you with a local agency.
• 211 Connecticut: This statewide information service can also provide referrals to HUD-approved counselors.
• CHFA's Approved List: The Connecticut Housing Finance Authority maintains a list of participating HUD-approved counselors on its website.

Some of the key HUD-approved agencies providing foreclosure prevention counseling in Connecticut include Building Neighborhoods Together (Bridgeport), Capital for Change (Wallingford), Community Renewal Team (Hartford), Housing Development Fund (Stamford, Bridgeport), and NeighborWorks New Horizons (New Haven).

State-Level Support: The Connecticut Foreclosure Assistance Hotline

In addition to working with your servicer and a housing counselor, the State of Connecticut provides a dedicated resource to help homeowners. The Connecticut Department of Banking operates a Foreclosure Assistance Hotline at 1-877-472-8313.

This toll-free hotline was established specifically to address the mortgage crisis and serves as a trusted, official source of information and guidance. When you call, you can receive:

• Expert Advice: Staff can answer questions about the foreclosure process in Connecticut.
• Referrals: The hotline can provide direct referrals to HUD-approved housing counseling agencies and other relevant state and non-profit resources.
• Case Escalation: In some instances, cases can be reviewed by Department of Banking examiners to ensure your servicer is acting appropriately.

Calling the hotline is a quick, easy step that connects you to the state's support infrastructure and reinforces the network of help available to you.

Connecticut's Mortgage Assistance Programs: A Detailed Review

Beyond the universal options offered by lenders, Connecticut has established specific state-level programs to assist homeowners in crisis. These programs are administered by the Connecticut Housing Finance Authority (CHFA) and have distinct goals, funding sources, and eligibility requirements. It is critical to understand the details of these programs, particularly their current status, to determine which, if any, may be a viable option for your situation.

The Emergency Mortgage Assistance Program (EMAP)

The Emergency Mortgage Assistance Program (EMAP) is Connecticut's long-standing, state-funded program designed to help eligible homeowners who are facing foreclosure due to a financial hardship that was unanticipated and beyond their control. It is the primary active state-level program for homeowners who have fallen behind on their payments.

Program Goal and Structure

The fundamental purpose of EMAP is to provide temporary financial assistance to bridge the gap during a period of hardship, allowing a homeowner to avoid foreclosure and get back on their feet. It is crucial to understand that EMAP is a loan, not a grant. If you are approved, a lien will be placed on your property, and you will be required to repay the assistance.

The program works in two potential stages:

1. Initial Disbursement: EMAP can provide an initial lump-sum payment to your lender to bring your mortgage delinquency completely current.
2. Monthly Assistance: Some homeowners may also qualify for ongoing monthly payments to help cover all or part of their mortgage for a period of time.

Eligible Hardships

To qualify for EMAP, you must be able to document that your inability to pay your mortgage was caused by a specific, unforeseen event. The program is not designed to assist with hardships resulting from poor financial management or consumer credit debt. Eligible hardships include, but are not limited to:

• Unemployment or a significant reduction in employment hours for one or more of the homeowners.
• A loss, reduction, or delay in benefits such as Social Security, public assistance, pensions, or disability income.
• Divorce or an unanticipated loss of child support or alimony payments.
• The disability, serious illness, or death of a homeowner or a member of the homeowner's immediate family.
• An unanticipated and significant increase in essential housing expenses, such as emergency repairs for a roof or furnace, or costs related to a flood or mold remediation.

Key Eligibility Requirements

EMAP has a very specific set of criteria that applicants must meet. This is not a universal safety net, and one of the most critical factors is your financial history before the hardship occurred.

• Foreclosure Status: You must have received a "Notice of Intent to Foreclose" from your lender or be at least 60 days delinquent on your mortgage payments.
• Prior Credit History: Applicants must have had a favorable mortgage credit history for the two years immediately preceding the hardship. You cannot have had more than four 30-day late payments during that period. This requirement means that homeowners who were already struggling financially before a major event may not qualify.
• Asset Limitation: You must disclose all household assets. Any liquid assets exceeding $100,000 must be used to pay down the mortgage delinquency before you can receive EMAP funds. However, up to $100,000 in pension and retirement funds are excluded from this calculation.
• Ability to Recover: You must demonstrate a reasonable expectation that you will be able to resume your full mortgage payments after the EMAP assistance period ends. The program is intended as a temporary bridge, not a permanent subsidy.
• Employment Status: Per program guidelines, individuals who are currently receiving unemployment benefits are not eligible but are encouraged to re-apply once they become employed again.
• Property Type: The property must be an owner-occupied, 1-to-4 unit house, condominium, or manufactured home in Connecticut.

Covered Expenses and How to Apply

EMAP assistance can be used to cure delinquencies on a primary mortgage. The program can also provide assistance for certain non-mortgage expenses that have resulted in a lien on the property, such as past-due property taxes or condominium/HOA association fees.

The program appears to be active and accepting applications. The application process is detailed and requires extensive documentation, including proof of identification, a detailed hardship letter, income and asset statements, and copies of your mortgage documents. Given the complexity, it is highly recommended that you work with a HUD-approved housing counselor to prepare your application. For questions or to begin the process, you can contact EMAP Customer Service directly at (860) 571-3500.

My Home CT Program: An Important Status Update

Many homeowners searching for mortgage relief may still find information online about the My Home CT program. It is essential to have the most current information regarding this program's status to avoid confusion and lost time.

Program Overview and Current Status

My Home CT was a grant program established with approximately $123 million in federal funding from the American Rescue Plan Act of 2021. Its specific goal was to help Connecticut homeowners who suffered a financial hardship due to the COVID-19 pandemic. The program provided up to $50,000 in non-repayable grant assistance to cure mortgage delinquencies and prevent foreclosures.

IMPORTANT: The My Home CT program is now CLOSED to new applications. The application portal was closed effective September 1, 2023.

Guidance for Existing Applicants and Next Steps

For homeowners who applied before the deadline, the process is not over. Applications that were already submitted will continue to be processed in the order they were received. Final determinations on these pending applications are subject to the availability of remaining program funds.

If you applied and received a Notice of Ineligibility, there is an appeals process. You must follow the instructions and timeframe outlined in the notice to submit an appeal.

For homeowners who missed the My Home CT deadline or are facing a new hardship, the path forward is clear: you must now explore other active options. The official guidance for anyone still struggling is to immediately contact a HUD-approved housing counselor to discuss alternatives like the EMAP program and direct negotiations with your mortgage servicer.

Comparison of Connecticut's Key Mortgage Relief Programs

The distinction between EMAP and the now-closed My Home CT program is significant. Understanding these differences helps clarify the shift in the state's mortgage relief landscape from pandemic-specific grants to broader, hardship-based loans.

This table illustrates the fundamental change in available aid. While My Home CT offered a non-repayable grant to a broad range of homeowners affected by a universal event (the pandemic), EMAP is a more traditional loan program with stricter, backward-looking financial requirements.

Options for Federally-Backed Mortgages (FHA, VA, Fannie Mae, Freddie Mac)

A significant number of mortgages in Connecticut are not conventional loans held by banks but are instead owned or guaranteed by federal or quasi-governmental agencies. If your mortgage is one of these types, you may have access to additional, specific relief options and protections mandated at the federal level.

Identifying Your Loan Type

The first step is to determine who owns or guarantees your loan. Your mortgage servicer can tell you this, but you can also check for yourself using online tools:

• Fannie Mae Loan Lookup: Fannie Mae provides a simple online tool to check if they own your loan. 
• Freddie Mac Loan Lookup: Similarly, Freddie Mac offers its own loan lookup tool.
• FHA or VA Loans: For loans guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs (VA), this information will be on your original closing documents. You can also confirm by calling your mortgage servicer.

Federal Relief Options

While the specific programs and protections offered under the federal CARES Act during the pandemic have evolved, they established important protocols for how servicers must handle hardships for federally-backed loans. If you have one of these loans and are facing hardship, your servicer is required to review you for specific options, which may include:

• Payment Deferral: This option is common for Fannie Mae and Freddie Mac loans. If you are approved for a forbearance and can resume your regular payments at the end of the term, the missed payments can be moved to the end of your loan. This "deferred" amount becomes due when you sell the home, refinance the mortgage, or pay off the loan.
• Specialized Loan Modifications: Each federal entity has its own set of modification programs designed to permanently lower monthly payments for eligible homeowners facing long-term hardship.
• FHA-Specific Tools: The FHA has unique tools to help its borrowers. For example, the "COVID-19 National Emergency Partial Claim" was a program that allowed servicers to advance funds on behalf of homeowners to bring their loans current, with the amount to be repaid later.

To access any of these options, you must work through your mortgage servicer. A HUD-approved housing counselor can be an indispensable partner in this process, as they are experts in the specific rules and loss mitigation waterfalls for FHA, VA, Fannie Mae, and Freddie Mac loans.

Essential Connecticut Housing Resources and Support Network

Navigating mortgage hardship requires a strong support system. Fortunately, Connecticut has a robust network of state agencies, non-profit organizations, and legal services dedicated to helping homeowners. This directory provides a centralized list of trustworthy resources to contact for assistance.

Connecticut Housing Finance Authority (CHFA)

CHFA is the state's leading housing agency and plays a central role in mortgage assistance. It administers the EMAP program and offers a wide range of resources for homeowners.

• Role: Administers state mortgage relief programs, provides foreclosure prevention resources, and offers various homebuyer loan programs.
• EMAP Customer Service: (860) 571-3500
• Main Office: (860) 721-9501
• Website: https://www.chfa.org

HUD-Approved Housing Counseling Agencies

As emphasized throughout, these free, non-profit counselors are your most important resource. They provide expert guidance, advocacy, and direct assistance with lender negotiations and program applications.

• Role: Free, expert financial counseling and negotiation assistance for homeowners.
• How to Find:
• HUD National Hotline: (800) 569-4287
• HUD Online Search Portal: https://www.hud.gov/counseling
• CHFA-Approved Agency List: Available on the CHFA website.

Legal and Mediation Services

For homeowners already in the foreclosure process, legal guidance and mediation are critical.

• Judicial Foreclosure Mediation Program: This free program, offered through the Connecticut Superior Courts, provides a neutral mediator to facilitate an agreement between you and your lender to avoid foreclosure. A housing counselor can help you prepare for mediation.
• Statewide Legal Services: This organization provides free legal advice and assistance to low-income residents with civil legal matters. If you are facing foreclosure and meet the income eligibility requirements, they may be able to help.
• Hotline: 1-800-453-3320.

211 Connecticut

This is a comprehensive, free information and referral service operated by the United Way of Connecticut. You can dial 2-1-1 or visit their website to be connected with a wide range of health and human services, including housing assistance and referrals to counseling agencies.

Protecting Yourself from Foreclosure Rescue Scams

Unfortunately, financial distress can make homeowners vulnerable to scams. It is vital to be vigilant and recognize the warning signs of a "foreclosure rescue" scam. Legitimate assistance is available for free, and you should be wary of any company or individual that:

• Guarantees to stop your foreclosure. No one can guarantee this outcome.
• Asks for a large upfront fee. HUD-approved housing counseling is always free. It is illegal for companies to charge upfront fees for foreclosure assistance.
• Tells you to stop paying your mortgage servicer and pay them instead. This is a major red flag.
• Pressures you to sign paperwork you don't understand. You could be signing over the deed to your home without realizing it.

If you encounter a company you suspect is a scam, you can report it to the Connecticut Office of the Attorney General or the Department of Banking. Always trust official sources like HUD, CHFA, and non-profit counseling agencies for help.

Moving Forward with Confidence

Facing financial hardship is a difficult journey, but it is not one you have to walk alone. The existence of these programs and resources in Connecticut shows that there is a structured path to resolution. The feeling of being overwhelmed is normal, but it can be overcome with decisive action.

Financial challenges are not a reflection of your worth, and seeking help is a sign of strength and responsibility. To move forward with confidence, focus on the two most powerful and immediate actions you can take:

1. Communicate with your mortgage servicer immediately. Open the lines of communication to explore the forbearance, repayment, and modification options available directly from your lender.
2. Partner with a free, HUD-approved housing counselor. This provides you with an expert advocate who can guide you through every step of the process, from budgeting and negotiation to applying for state programs like EMAP.

By taking these two steps, you transform from a passive victim of circumstance into an active participant in your own financial recovery. You can navigate this challenge and work toward securing your home for the future.

 Frequently Asked Questions

Finding free moving services for low income families can feel like a monumental task. This is especially true when relocation costs add significant pressure to an already tight budget. The combined expense of renting a truck, buying supplies, and paying security deposits can seem insurmountable for many.

Fortunately, numerous programs and organizations are dedicated to providing financial assistance and relocation support. These resources help families and individuals secure safe, stable housing without incurring overwhelming debt. A network of government grants, national charities, and local community-based programs exists specifically to alleviate this burden.

These resources can cover everything from the cost of a moving van to the first month's rent, transforming a stressful transition into a hopeful new beginning. The key is knowing where to look and how to ask for help.

Your First Call for Help: Local and National Referral Services

The landscape of financial assistance is complex and highly dependent on your specific location. Funding for national programs is often distributed and managed by local agencies, and the availability of aid can change based on community needs and resources.

Before spending time applying to individual charities, the most efficient first step is to connect with a referral service. These services act as expert navigators. They maintain up-to-date databases of available aid in your specific zip code and connect you directly to the organizations most likely to help.

United Way's 211 Service: Your Direct Line to Local Experts

The 211 network is a free, confidential information and referral service operated by United Way. It serves as a critical first point of contact for anyone needing assistance and is accessible 24/7 by phone or through its website. By contacting 211, you can speak with a trained specialist who can identify local charities, government programs, and faith-based groups in your area that offer moving assistance, help with security deposits, or funds for utility payments.

How to Use the 211 Service:

1. Dial 2-1-1 from any phone or visit 211.org.
2. Clearly explain your situation. Be prepared to provide details about your household size, income level, current housing status, and the specific type of help you need. For example, you might say, "I am a low-income parent of two, and I have found a new apartment but need help paying the security deposit and renting a small truck."
3. Receive a targeted list of resources. The specialist will use your information to provide contact details, eligibility requirements, and application instructions for local programs that can meet your needs.

Finding Your Local Continuum of Care (CoC)

A Continuum of Care (CoC) is a local planning body that coordinates housing and service funding for individuals and families who are experiencing homelessness or are at risk of becoming homeless. Designated by the U.S. Department of Housing and Urban Development (HUD), the CoC in your community serves as the official "front door" for accessing many federally funded housing programs.

Contacting your local CoC is a crucial step for accessing programs like the Emergency Solutions Grant (ESG), which can provide direct financial assistance for moving costs. When you connect with your CoC, you will typically undergo a process called "Coordinated Entry". This is a standardized assessment of your household's situation and needs, designed to match you with the most appropriate and available housing resources in your area.

How to Find Your Local CoC:

• Use the "Find a Continuum of Care in Your Community" search tool available on HUD's Find Shelter portal. This will provide the contact information for the organization designated to coordinate homeless assistance services in your geographic region.

National Charities and Non-Profits Offering Relocation Aid

Several large, well-known charitable organizations offer housing assistance as part of their broader mission. While they may not advertise a specific "moving grant," their homelessness prevention and emergency assistance programs can often be used to cover relocation expenses.

A critical aspect of these organizations is that all services are administered through local branches. The type and amount of aid available depend entirely on local funding and community needs.

The Salvation Army

With a presence in nearly every community across the United States, The Salvation Army is a primary source of emergency assistance for low-income families. Their support is highly localized, so the services offered can vary significantly from one city to another.

Aid that can be applied toward moving expenses typically falls under these categories:

• Emergency Financial Assistance: Many local corps community centers have funds designated for homelessness prevention. This can include one-time assistance with a security deposit, first month's rent, or utility deposits to help a family secure new housing and avoid homelessness.
• Housing Programs: The Salvation Army operates a wide range of housing services, including emergency shelters, transitional housing for families working toward stability, and permanent supportive housing. Case managers in these programs often work with clients to find and secure permanent housing, which can include accessing funds for move-in costs.

How to Apply:

1. Visit SalvationArmyUSA.org and use the location finder to enter your zip code.
2. Alternatively, the SAHelp.org portal is designed to streamline the online application process for financial assistance by matching your zip code to the appropriate service center.
3. Be prepared to provide documentation, such as photo identification, proof of low-income status, and a copy of your new lease agreement showing the required move-in costs.

Catholic Charities USA

Catholic Charities USA is a national network of independent local agencies providing social services in communities across the country. Their focus is on stabilizing families and preventing homelessness, and their local offices may have discretionary funds or specific programs to help with relocation.

Moving-related assistance is often part of their broader housing services:

• Homelessness Prevention Funds: Local agencies may offer emergency financial assistance to cover security deposits, utility turn-on fees, or a portion of the first month's rent for families in crisis. For example, Catholic Charities of the Archdiocese of Galveston-Houston offers a Rapid Re-Housing program that provides financial assistance for housing, utilities, and transportation.
• Housing Counseling: Many branches provide free housing counseling services, which can help you understand tenant rights, create a budget for your new home, and identify other local resources for affordable housing.

How to Apply:

1. Go to the CatholicCharitiesUSA.org website and use the "Find Help" tool.
2. Enter your city or zip code to find the contact information for the agency that serves your area.
3. Contact that agency directly to inquire about their emergency assistance or homelessness prevention programs and their specific application process.

YWCA

The YWCA (Young Women's Christian Association) is dedicated to empowering women and eliminating racism, with a strong focus on providing safe and stable housing for women and their families. They are a particularly vital resource for women fleeing situations of domestic violence.

Their housing programs are designed to provide both shelter and the support needed to transition to independent living:

• Transitional Housing: Many local YWCAs operate transitional housing programs that provide apartments and supportive services for a set period. These programs often include case management that can help with financial planning and securing funds for a permanent home.
• Emergency Relocation for Survivors: For women and families escaping domestic abuse, the YWCA can be a lifeline. Local branches may provide emergency shelter and financial resources to help a survivor relocate safely, which can include covering moving costs.

How to Apply:

1. Visit the national YWCA.org website to find the location of your nearest branch.
2. Contact the local office directly to ask about their housing programs, including any available assistance for relocation expenses.

Modest Needs Foundation

Modest Needs operates with a unique mission: to provide short-term financial assistance to workers who are living just above the poverty line and are typically ineligible for conventional social assistance programs. They offer one-time "Self-Sufficiency Grants," which average between $750 and $1,250, to help families manage an unexpected or emergency expense that threatens their financial stability.

Grant Details and Limitations:

• Eligible Expenses: These grants can be used for a variety of irregular costs. For moving, this could include the cost of a rental truck or hiring a moving service, especially if the move is for a new job or to escape an unsafe living situation.
• Important Limitations: Modest Needs pays all grants directly to the vendor or creditor, not to the applicant. This means they   cannot pay for security deposits or utility deposits, as these are eventually refundable to the tenant.
• Eligibility: Applicants must be at least 18 years old, be legal residents of the U.S. or Canada, have a bank account, and be able to document their income and the emergency expense.

How to Apply:

1. Visit ModestNeeds.org and carefully read the "Frequently Asked Questions for Applicants" to ensure you meet the criteria.
2. Create an account on the website.
3. Complete the detailed online grant application, providing all required documentation to verify your income and the expense for which you are requesting help.

Federal Government Grants and Housing Programs

The U.S. federal government funds several programs aimed at ensuring housing stability for low-income families. Individuals and families do not apply directly to the federal government for these grants. Instead, federal funds are allocated to states, local governments, and non-profit organizations, which then administer the assistance to eligible households.

U.S. Department of Housing and Urban Development (HUD)

HUD is the primary federal agency responsible for programs addressing the nation's housing needs. Two of its programs are particularly relevant for those seeking relocation assistance.

• Emergency Solutions Grant (ESG) Program: The ESG program is a major source of federal funding aimed at preventing homelessness and helping those experiencing it to be quickly re-housed. Local governments and non-profits receive ESG funds to provide a range of services. For families moving into a new home, ESG-funded "rapid re-housing" assistance can cover critical move-in costs, including:
• Security deposits and utility deposits
• First and last month's rent
• Moving cost assistance
• Application fees   To access this assistance, you must connect with your local Continuum of Care (CoC) or a designated service provider in your community for an assessment.
• Housing Choice Voucher (HCV/Section 8) Program: This well-known program provides rental assistance in the form of a voucher that allows low-income families to rent housing in the private market. While the voucher itself does not pay for moving expenses, it makes monthly rent affordable, which can free up a family's limited resources to cover the costs of relocation. Applications for the HCV program are managed by local Public Housing Agencies (PHAs). It is important to note that demand for this program is extremely high, and waiting lists in most areas are very long or closed.

Federal Emergency Management Agency (FEMA)

FEMA's assistance is specifically for those whose homes have been damaged or destroyed in a presidentially declared major disaster, such as a hurricane, wildfire, or severe flood. If you have been displaced due to such an event, the Federal Relocation Assistance Program may provide funds to help cover moving costs, security deposits, and temporary housing.

To receive this aid, you must first register with FEMA. You can do this online at DisasterAssistance.gov or by calling the FEMA Help Line at 1-800-621-3362.

U.S. Department of Veterans Affairs (VA)

The VA provides a range of housing programs and supportive services for military veterans and their families, particularly those who are experiencing or at risk of homelessness. This support can include help with relocation. The most direct way for a veteran to access these services is by contacting the National Call Center for Homeless Veterans at 1-877-4AID-VET (1-877-424-3838), which is available 24/7.

U.S. Department of Agriculture (USDA)

For families living in designated rural areas, the USDA's Rural Housing Service offers grants and loans to help improve or secure adequate housing. In some cases, these funds may be used for relocation expenses. Eligibility is strictly limited by geographic location and income. Interested parties should contact their local USDA Rural Development office to inquire about available programs.

State and County Social Services: Direct Local Assistance

Your local county or municipal government is often one of the most direct sources of help. Departments of Social Services or Human Services administer a variety of state and federally funded programs designed to support low-income residents. While the names and specifics of these programs vary by state, many offer some form of emergency assistance that can be applied to moving costs.

How to Find Your County's Department of Social or Human Services

The best way to find the correct office is to perform an online search for " Department of Social Services" or " Human Services." These offices are the local administrators for programs like the Temporary Assistance for Needy Families (TANF) and other state-level aid.

As always, dialing 211 can quickly connect you to the right department serving your address. When you contact them, be prepared to ask specifically about "emergency assistance," "homelessness prevention," or "relocation assistance" programs.

Program Spotlight: Los Angeles County DPSS CalWORKs Moving Assistance

To illustrate what a local government program can offer, consider the California Work Opportunity and Responsibility to Kids (CalWORKs) program, administered in Los Angeles County by the Department of Public Social Services (DPSS). CalWORKs provides temporary financial assistance and employment services to families with children.

Within this framework, the county offers a targeted Moving Assistance (MA) Program. This program provides a once-in-a-lifetime payment of up to $2,500 to help eligible CalWORKs families who are homeless or at risk of homelessness secure permanent housing.

• Covered Costs: The MA payment is flexible and can be used for a wide range of move-in expenses, including:
• Security deposits (last month's rent, cleaning fees, key deposits)
• Utility turn-on fees for gas, electricity, and water
• Rental truck fees and associated mileage costs
• Up to $405 for a stove or refrigerator if the new residence does not have them
• Eligibility: To qualify, a family must be approved for CalWORKs, be homeless or at risk of homelessness due to a documented financial crisis, and have secured permanent housing where their share of the rent does not exceed 80% of their total monthly household income.
• How to Apply: Families can apply for the MA program in person at any DPSS CalWORKs office. The application process can also be initiated online through California's   Benefits Cal website. Applicants will need to complete specific forms, such as the "Statement of Facts - Homeless Assistance" (CW 42), and provide documentation of their situation.

While this program is specific to Los Angeles County, it serves as an excellent model of the type of targeted relocation support that may be available through your own local government.

Sourcing Free Moving Supplies and Furniture

Financial assistance is only one part of the equation. The tangible costs of boxes, packing materials, and furnishing a new home can also be a major hurdle. Fortunately, there are many ways to acquire these essential items for free.

Finding Free Moving Boxes

Before spending money on new cardboard boxes, explore the many places where you can get them for free.

• Online Marketplaces and Community Groups: Websites like Craigslist (in the "free" section), Facebook Marketplace, and neighborhood-specific platforms like Next door are filled with posts from people who have just moved and are eager to give away their used boxes. Joining an online   Freecycle group for your area is another excellent way to request and receive boxes from community members.
• Local Retailers: Many stores receive shipments daily and simply flatten and recycle large quantities of sturdy boxes. Politely ask the manager at your local grocery store, liquor store, bookstore, or office supply store if they have any boxes you can take. They are often happy to give them away.
• U-Haul Box Exchange: Many U-Haul rental locations have a designated "take a box, leave a box" area in their lobby where customers can drop off their used boxes for others to pick up for free.

Furnishing Your New Home for Free with Furniture Banks

Moving into a new, empty apartment can be daunting. Furniture banks are non-profit organizations that address this need by collecting donations of gently used furniture and providing them to families in need. They provide essential items like beds, dressers, tables, and sofas, helping to turn an empty space into a comfortable and dignified home.

Most furniture banks operate on a referral basis. This means you must be referred by a case manager from a partner social service agency, church, or other community organization. To find a furniture bank in your area and learn about its specific referral process, use the national directory provided by the

Furniture Bank Network at furniturebanks.org.

Additional Avenues for Moving Assistance

If you do not qualify for formal government or charitable programs, or if the available aid is not enough to cover all your costs, there are other strategies you can pursue.

Local Faith-Based Organizations and Community Groups

Do not overlook the resources within your immediate community. Local churches, synagogues, mosques, and other faith-based organizations often maintain benevolent funds to provide small, one-time grants to community members in crisis, regardless of their religious affiliation. This type of assistance can often be more flexible and faster to obtain than aid from larger bureaucracies.

Crowdfunding for Relocation Costs

In the digital age, crowdfunding platforms like GoFundMe have become a viable tool for asking for help from your personal network of friends, family, and community members. Creating a fundraiser allows you to share your story and detail your specific financial needs (e.g., "$500 for a security deposit, $200 for a truck rental"). This provides a simple way for people who want to support you to contribute directly.

Conclusion: Taking the First Step Toward Your New Home

Navigating the world of financial assistance can feel overwhelming, but help is available. The wide array of programs—from national charities and federal grants to hyper-local community support—ensures that there are multiple paths to securing the funds needed for a safe and stable relocation.

While the options are numerous, the most effective strategy is to start local. Your community's unique network of resources holds the key to the most relevant and accessible aid for your family. Begin by dialing 211 to speak with a local expert who can immediately point you in the right direction. This initial contact will provide a clear, customized roadmap to help you and your family begin your next chapter in a new home.

 Frequently Asked Questions