For individuals and families experiencing homelessness, securing free gas cards for homeless assistance is a critical link to safety, employment, medical care, and other essential services. When facing housing instability, a vehicle can be the only means of reaching a job interview, a doctor's appointment, or a food pantry.

The search for transportation aid is often part of a larger set of urgent needs. The most effective resources are those that can address these challenges together. The single most important first step is to contact the 211 service, which connects individuals to a network of local support systems that provide direct transportation assistance.

Your First Call for Help: Dial 211 for Local Transportation Resources

The most effective starting point for any search for assistance is to dial 211. This free, confidential service is available 24/7 and connects callers to a comprehensive directory of local health and human services.

How 211 Connects You to Help

When you call 211, a trained specialist assesses your entire situation, including needs for food, shelter, or employment support. The specialist uses a database of local resources to find organizations best equipped to help, as program funding and service areas can change frequently.

A single call to 211 can save significant time and prevent the frustration of contacting multiple agencies that may be out of funds or unable to provide aid in your specific location. The 211 service acts as a filter, directing you to the most relevant and currently available help. To find local resources, you can call 211 from any phone or visit their website at https://www.211.org/.

National Charities Offering Gas Vouchers and Transportation Aid

Several large, national non-profit organizations are primary providers of emergency assistance, including gas cards. It is essential to understand that while these organizations have a national presence, all assistance is managed and distributed at the local level. The availability of aid depends entirely on local funding.

The Salvation Army's Local Approach to Transportation Assistance

The Salvation Army is a well-known resource for emergency aid, with many local service centers providing transportation assistance. This support typically comes as gas money or bus cards and is intended for specific, verifiable situations that contribute to stability.

Targeted Assistance for Stability

Assistance may be provided for essential appointments that help individuals move toward self-sufficiency. Examples include:

• A confirmed job interview.
• Travel to a new job before receiving a first paycheck.
• Essential medical or legal appointments.

How to Request Help

Because all services are administered locally, the first step is to find the nearest Salvation Army Worship and Service Center using the zip code locator on their national website: https://www.salvationarmyusa.org/usn/plugins/gdos/service-locator. An appointment is almost always necessary. Some locations may use an online portal, like SAHelp.org, to begin the application process. Applicants may need to show a valid driver's license and proof of auto insurance.

Catholic Charities: Community-Based Support

Catholic Charities operates through a network of local diocesan agencies, offering a wide range of social services to people of all faiths. Transportation assistance is often integrated into broader case management programs designed to help individuals and families achieve stability.

Integrated Case Management

Rather than being a standalone service, a gas card might be provided as part of a larger plan that includes housing support, food assistance, and employment counseling. The type and amount of aid available vary significantly from one diocese to another, depending entirely on local resources.

Finding Your Local Agency

To access help, an individual must contact their local Catholic Charities agency directly. The national office does not provide direct services but hosts an agency locator on its website: https://www.catholiccharitiesusa.org/about-us/find-a-local-agency/.

Society of St. Vincent de Paul (SVDP): Neighbor-to-Neighbor Help

The Society of St. Vincent de Paul has a unique, highly decentralized structure. Assistance is provided by local volunteer groups, known as "Conferences," which are typically based in neighborhood Catholic parishes. This structure means that help is very personal and community-focused.

The Home Visit Model

SVDP is known for its "home visit" model, where two volunteers meet with the person or family in need to understand their circumstances firsthand. During these visits, volunteers can provide various forms of emergency aid, including gas vouchers, to help prevent homelessness or resolve an immediate crisis.

To get help, an individual must contact the specific SVDP Conference that serves their zip code. The best way to find the correct local contact is often through a 211 referral or by searching for "St. Vincent de Paul" in a specific city or county.

United Way's Ride United Program

For those who do not have access to a vehicle, United Way's Ride United program offers a modern solution. Through a partnership with Lyft and the 211 network, local United Way chapters provide free or discounted rides for essential needs. This program is designed to bridge transportation gaps that prevent people from accessing critical services.

How to Access Ride United

The primary way to access Ride United is by calling 211. A specialist will determine if the caller's need and location are a match for the program. Trips are typically approved for purposes such as:

• Medical and mental health appointments.
• Job interviews, job training, or commuting to a new job.
• Accessing food from pantries or grocery stores.
• Attending legal proceedings or appointments for public benefits.

Family Promise: Support for Families Facing Homelessness

Family Promise is a national organization with local Affiliates focused specifically on helping families with children overcome homelessness. Their services are comprehensive, and transportation assistance is a key component of their prevention programs. Local Affiliates provide resources like gas cards, bus passes, and sometimes even car donations to ensure families can maintain access to school, work, and childcare.

Specialized Transportation Programs and Vouchers

Beyond general charities, several specialized programs exist to provide transportation for specific populations.

Assistance for Runaway and Homeless Youth (Greyhound Home Free Program)

The Home Free program is a partnership between Greyhound Lines and the National Runaway Safe line (NRS). It provides a free bus ticket for runaway, homeless, or exploited youth between the ages of 12 and 21 to safely return to their family or an approved alternative living arrangement. To be eligible, a youth must call the NRS hotline at 1-800-RUNAWAY (1-800-786-2929) to begin the process.

Help for Stranded Travelers (Travelers Aid International)

Travelers Aid International assists travelers in distress, including individuals experiencing homelessness who are stranded far from a support system. Through a partnership with Greyhound, Travelers Aid can often provide discounted bus tickets to help people complete their journey to a safe destination.

How to Prepare When Requesting Assistance

Approaching an organization for help can be stressful, but being prepared can make the process smoother.

What to Expect During the Process

Most organizations operate with limited and fluctuating funds, so some programs may only have funding available at certain times. An appointment is usually required, and it may take time to be seen by a case manager. Being patient, polite, and persistent is key.

Presenting a Clear Plan

The application process is about demonstrating how the assistance will be used as a tool to achieve a positive outcome. Organizations are more likely to provide a gas card to someone who can show it will allow them to get to three confirmed job interviews than to someone with a less defined plan.

Commonly Required Documents and Information

While requirements vary, most agencies will ask for some basic documentation. Having these items ready can expedite the process:

• Valid Photo Identification: A driver's license or state ID card.
• Proof of Address (or lack thereof): A utility bill or a letter from a shelter.
• Proof of Income (if any): Pay stubs or benefits statements.
• Valid Driver's License and Proof of Auto Insurance: Required if requesting a gas card for a personal vehicle.
• Documentation of Need: A letter from a potential employer confirming an interview or an appointment card from a medical clinic.

Alternative and Local Public Transit Solutions

In many areas, a personal vehicle is not the only option. Many municipalities and transit authorities run programs that provide free or heavily subsidized bus passes to low-income residents and individuals experiencing homelessness.

Hyper-Local Transit Programs

Examples of these programs exist across the country, such as Philadelphia's Zero Fare program, Houston's Project Access bus, and King County's Human Services Bus Ticket Program. Many other transit systems offer similar social service fare programs. The best way to discover these local programs is by contacting 211, as their specialists maintain databases of these specific community resources.

Conclusion: Key Resources and Encouragement

Securing transportation is a critical step toward regaining stability. While the process can seem daunting, numerous resources are available to help. The most important action is to dial 211, which serves as the central gateway to a wide array of local support services.

Following that, contacting the local offices of national organizations like The Salvation Army, Catholic Charities, and the Society of St. Vincent de Paul can provide direct emergency aid. For those without a vehicle, exploring United Way's Ride United program and local public transit initiatives can offer reliable alternatives.

Being prepared with the necessary documentation and a clear plan will always improve the chances of receiving help. Persistence is essential, and these organizations are there to offer a hand up during difficult times.

Frequently Asked Questions

For homeowners struggling with financial pressures, securing New Jersey mortgage relief is a critical step toward stability. The state has a history of high foreclosure rates, underscoring the challenges many residents face in maintaining their homes.

In response, New Jersey has established robust programs designed to provide direct financial assistance, prevent foreclosure, and ease the burden of housing costs. The primary resource for homeowners is the Emergency Rescue Mortgage Assistance (ERMA) program, administered by the New Jersey Housing and Mortgage Finance Agency (NJHMFA).

Beyond this flagship program, homeowners have access to free foreclosure prevention counseling, property tax relief initiatives, and other support systems. These resources help residents navigate financial hardship and remain in their homes.

Immediate Options for New Jersey Mortgage Relief

When facing the possibility of missing a mortgage payment, immediate and informed action is crucial. New Jersey offers a primary lifeline for homeowners who have encountered financial difficulties.

The Emergency Rescue Mortgage Assistance (ERMA) Program: A Lifeline for Homeowners

The cornerstone of New Jersey's mortgage relief efforts is the Emergency Rescue Mortgage Assistance (ERMA) program. It was created by the NJHMFA to deploy federal funds from the Homeowner Assistance Fund (HAF). This fund was authorized under the American Rescue Plan of 2021 to mitigate financial hardships associated with the COVID-19 pandemic.

What ERMA Offers: Financial Assistance to Stabilize Your Housing

The program provides up to $75,000 per household to eligible homeowners. These funds are paid directly to the mortgage servicer or relevant entity.

The assistance can be used for a wide range of housing-related costs, including:

• Mortgage reinstatement to eliminate past-due payments.
• Escrow shortages.
• Delinquent property taxes and municipal or tax liens.
• Overdue Homeowner Association (HOA) dues or fees.
• Up to four future mortgage payments, covering principal, interest, taxes, and insurance (PITI).

Understanding the Assistance: A Forgivable Loan Structure

The assistance is structured as a 0% interest, three-year forgivable loan, secured by a subordinate mortgage lien on the property. This structure is designed to provide immediate aid and promote long-term neighborhood stability.

To achieve full forgiveness, the homeowner must maintain the property as their primary residence for three years. Repayment is only required if the homeowner sells, transfers, or refinances for cash-out within that three-year term. Refinancing for a lower rate or shorter term does not trigger repayment.

Current Program Status and Where to Apply

The ERMA program is active and accepting applications through its official online portal. Homeowners can begin the application process and find detailed information at the official website.

• Official Application Portal: www.njerma.com
• Phone Support: (855) 647-7700
• Email Support: HAFServicing@njhmfa.gov

A Detailed Examination of the ERMA Program

To successfully access the relief offered by ERMA, homeowners must understand the specific eligibility criteria, the full scope of available aid, and the step-by-step application process.

ERMA Eligibility Requirements: Who Qualifies?

Homeowners must meet several key requirements to be eligible for ERMA assistance.

• Financial Hardship: Applicants must have experienced a significant decrease in income or an increase in living expenses associated with the COVID-19 pandemic that began on or after January 21, 2020.
• Income Thresholds: The total annual household income must not exceed 150% of the Area Median Income (AMI) for their county, as defined by HUD standards.
• Property Type: The property must be the applicant's primary residence and located in New Jersey. Eligible properties include one-to-four unit structures. Investment properties, second homes, and cooperative properties are not eligible.
• Delinquency Status: The homeowner must be delinquent on their mortgage or other eligible housing expenses. The mortgage could not have been 30 or more days delinquent before January 21, 2020. Homeowners already in foreclosure are still eligible to apply.
• Loan Balance: The unpaid principal balance of the mortgage must not exceed the program limits for the property type.

What Costs Can ERMA Cover? A Comprehensive Breakdown

The ERMA program is composed of five distinct components designed to address specific aspects of housing delinquency.

1. Mortgage Reinstatement Assistance: Provides a one-time payment to bring a mortgage completely current, covering all past-due amounts, including those under a forbearance plan.
2. Mortgage Payment Assistance: For homeowners with a continuing financial hardship, this can cover arrearages plus up to four months of future mortgage payments (PITI).
3. Property Charge Default Resolution: Provides funds to resolve defaults on other essential housing costs that could threaten ownership, such as delinquent property taxes or past-due HOA fees.
4. HUD Partial Claim Assistance: This component helps homeowners who received a HUD Partial Claim on their FHA, VA, or USDA loan. The ERMA program was expanded to provide funds to pay off the full amount of these partial claims, which were placed as junior liens during the pandemic.
5. HAF Housing Counseling Program: This component ensures that free, expert assistance from HUD-approved housing counselors is available to help homeowners navigate the ERMA application process.

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

The application is handled through a centralized online portal and generally follows these steps.

1. Pre-Screening and Account Creation: Visit the official portal at www.njerma.com to complete an initial pre-screening questionnaire and create an account.
2. Gathering Your Documents: Before completing the full application, gather all required documentation. Incomplete applications are a common reason for delays.
3. Completing and Submitting the Online Application: Fill out the application form in its entirety and upload all the required documents through the portal.
4. Awaiting Updates: After submission, monitor the application status through the account dashboard on the ERMA portal. All assistance payments are made directly to the mortgage servicer or other creditor.

Required Documentation for ERMA Application

To streamline the application process, homeowners should prepare the following documents in advance.

Proactive Foreclosure Prevention Strategies

Beyond state-specific programs, homeowners have several powerful tools at their disposal to prevent foreclosure. Taking proactive steps is the most effective way to protect a home.

Understanding the New Jersey Foreclosure Landscape

New Jersey is a judicial foreclosure state, meaning a lender must file a lawsuit and obtain a court order to foreclose. This process is generally longer than in non-judicial states, providing homeowners a critical window to seek assistance.

However, the state has historically had one of the highest foreclosure rates in the nation. This makes it essential for homeowners to act decisively at the first sign of trouble.

Key Steps to Avoid Foreclosure: Your Action Plan

Homeowners who are struggling or anticipate struggling with mortgage payments should follow a clear action plan.

1. Communicate With Your Mortgage Servicer Immediately: This is the most important first step. Contact the servicer using the phone number on your monthly mortgage statement to discuss loss mitigation options.
2. Explore Mortgage Forbearance: Forbearance is an agreement to temporarily pause or reduce mortgage payments for a set period, typically up to 12 months. It is designed for temporary hardships and does not erase the debt. Missed payments must be repaid later through options like a lump-sum payment, a repayment plan, or a deferral.
3. Apply for a Loan Modification: A loan modification is a permanent change to one or more mortgage terms to make payments more affordable. This can include extending the loan term, reducing the interest rate, or forbearing a portion of the principal. The process requires submitting a complete application to the servicer's loss mitigation department and often includes a trial payment plan.

State-Sponsored Counseling: The Foreclosure Mediation Assistance Program (FMAP)

New Jersey provides a powerful, free resource through the NJHMFA's Foreclosure Mediation Assistance Program (FMAP). The program offers two primary services:

• Pre-Foreclosure Counseling: For homeowners in default or at risk of default but who have not yet received a foreclosure complaint.
• Mediation Assistance: For homeowners who have been served with a foreclosure complaint, providing access to mediation with their lender.

A HUD-certified housing counselor through FMAP acts as a homeowner's advocate. They provide budget assistance, help create an action plan, and negotiate directly with the lender. Homeowners who work with a counselor are nearly three times as likely to receive a loan modification and 70% more likely to remain current afterward.

Additional Financial Relief Programs for NJ Homeowners

In addition to direct mortgage assistance, New Jersey offers several other programs that can improve a homeowner's overall financial stability.

Easing the Burden: State Property Tax Relief Programs

High property taxes are a significant financial strain for many New Jersey homeowners. The state has recently consolidated several applications into a single, streamlined form to simplify access to benefits.

• The ANCHOR Program: The Affordable New Jersey Communities for Homeowners and Renters program provides an annual property tax rebate based on income, age, and homeowner/renter status.
• Senior Freeze (Property Tax Reimbursement): This program reimburses eligible seniors and disabled individuals for property tax increases on their primary residence, effectively "freezing" their tax amount at their base year level.
• Stay NJ Program: Set to begin paying benefits in 2026, this program will provide a property tax credit of up to 50% of a senior homeowner's property tax bill (up to $6,500) for those who meet age, income, and residency requirements.
• The Streamlined Application (PAS-1): For seniors and residents on Social Security disability, Form PAS-1 allows them to apply for the ANCHOR, Senior Freeze, and Stay NJ programs simultaneously.

Other State and Nonprofit Assistance

• NJ SHARES and the NJ SMART Program: This nonprofit organization provides utility bill assistance. Its NJ SMART program can also offer a one-time grant of up to $5,000 for overdue mortgage, rent, or property tax payments for households in a temporary crisis.
• Re Start: Home Preservation Program: This program from the nonprofit New Jersey Community Capital prevents foreclosures by purchasing nonperforming mortgages from lenders. Re Start then works with homeowners to arrange affordable mortgage modifications, often including principal reduction.

Addressing Legacy Programs and Potential Confusion

Homeowners may find information about older, inactive programs. The New Jersey Home Keeper and Home Saver programs, funded by the federal Hardest Hit Fund (HHF), have ended. Receiving aid from these past programs does not disqualify a homeowner from applying for the current ERMA program, which is funded by the separate Homeowner Assistance Fund (HAF).

Essential Resources and Your Next Steps

Navigating financial hardship can be overwhelming, but New Jersey homeowners have access to a network of free, legitimate resources to guide them.

The Critical Role of HUD-Approved Housing Counselors

A HUD-approved housing counselor is a valuable resource for a homeowner in distress. These services are always free for foreclosure prevention assistance and are completely confidential.

Counselors are trained experts who can:

• Assess a homeowner's complete financial situation.
• Explain all available options, including state and lender-based solutions.
• Assist in gathering documents and submitting applications.
• Advocate and negotiate with mortgage servicers on the homeowner's behalf.

Homeowners can find a local counselor through several official channels:

• NJHMFA County-by-County List: https://www.nj.gov/dca/hmfa/consumers/foreclosure/counselor/
• U.S. Department of Housing and Urban Development (HUD): www.hud.gov/findacounselor or call (800) 569-4287.
• Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov/find-a-housing-counselor/.

How to Identify and Avoid Mortgage Relief Scams

Scammers often target homeowners in vulnerable situations. It is vital to recognize the warning signs of a fraudulent operation.

• Warning Sign 1: Demands for Upfront Fees: Legitimate government programs and HUD-approved housing counselors will never charge a fee for foreclosure prevention services.  
• Warning Sign 2: Guarantees of Success: No one can guarantee they can stop a foreclosure or secure a loan modification.
• Warning Sign 3: Requests to Sign Over Your Deed or Make Payments to a Third Party: Never sign over your property deed and only make mortgage payments directly to your mortgage servicer.

Key NJ Mortgage and Homeowner Relief Resources

This directory provides official contact information for the primary relief programs and resources available to New Jersey homeowners.

Frequently Asked Questions

Facing difficulty with mortgage payments is a stressful and uncertain experience for any New Hampshire homeowner. If you are seeking a New Hampshire mortgage relief program, it is crucial to have the most current and accurate information to protect your home.

The landscape of homeowner assistance has changed significantly. The primary state-level program that many homeowners associate with mortgage relief, the New Hampshire Homeowner Assistance Fund (NH HAF), is no longer accepting new applications.

While this major source of aid has concluded, a robust network of support still exists. A system of free, expert counseling services, legal resources, and ongoing state programs is available to help homeowners navigate financial hardship. The goal is to provide a clear map to these vital resources, empowering you to take informed and timely action.

The New Hampshire Homeowner Assistance Fund (NH HAF): A Program Update

To understand the current state of mortgage relief, it is helpful to first address the New Hampshire Homeowner Assistance Fund (NH HAF). This was a temporary, federally funded program created as part of the American Rescue Plan Act of 2021. Its purpose was to provide direct financial aid to residents who experienced pandemic-related financial hardship.

Program Overview and Administration

The U.S. Department of the Treasury awarded New Hampshire $50 million for this initiative. The program was overseen by the Governor's Office for Emergency Relief and Recovery (GOFERR) and administered by New Hampshire Housing (NHHFA).

Through NH HAF, eligible homeowners could receive grants for several types of delinquencies, including:

• Mortgage Loan Reinstatement: Funds to catch up on past-due mortgage payments.
• Property Charges Default Resolution: Assistance for delinquent property taxes, homeowner's insurance, or association fees.
• Utility and Internet Payment Assistance: Funds for past-due utility bills, including electricity, heating fuel, and internet service.

Current Status: Program Closure

Since its launch in March 2022, the program successfully distributed over $36.5 million, assisting more than 3,000 New Hampshire families. However, as a temporary relief measure, the program had a limited lifespan.

The New Hampshire Homeowner Assistance Fund officially stopped accepting new applications on Friday, March 8, 2024, as the available funds were anticipated to be fully exhausted. The closure of this program marks a shift back toward the state's foundational, long-term homeowner support systems, which focus on sustainable solutions through counseling and legal aid.

Your First Steps: Immediate Actions to Protect Your Home

When facing a potential mortgage delinquency, acting quickly is your best defense. The foreclosure process in New Hampshire can move very fast, so proactive engagement is essential to preserve your options.

1. Do Not Ignore the Problem

The single biggest mistake a homeowner can make is to ignore letters and calls from their mortgage servicer. The problem will not resolve itself and will become more difficult and expensive to solve over time. The further you fall behind, the fewer options will be available.

2. Contact Your Mortgage Servicer Immediately

Your mortgage servicer—the company you send your payments to—is a key player. Lenders generally prefer to find a solution rather than foreclose. Call them to explain your situation and state that you wish to explore your options for "loss mitigation," which is the industry term for alternatives to foreclosure. 

3. Gather Your Essential Documents

Being prepared with the right documents will make the process smoother. Prepare a file containing:

• Your most recent mortgage statement.
• Proof of your household's gross monthly income (pay stubs, award letters, tax returns).
• A list of your monthly household expenses.
• A brief "hardship letter" explaining the circumstances that caused you to fall behind.

4. Understand Potential Workout Options

When you discuss loss mitigation with your servicer, they will consider several standard alternatives to foreclosure. Being familiar with these terms is helpful:

• Reinstatement: Paying the total past-due amount in a lump sum by a specific date to bring the loan current.
• Forbearance: A temporary reduction or suspension of your mortgage payments for a set period to help you through a short-term hardship.
• Loan Modification: A permanent change to one or more terms of your loan (like the interest rate or term length) to make your monthly payments more affordable.

Free Foreclosure Prevention Counseling: Your Strongest Ally

For any New Hampshire homeowner facing mortgage difficulties, the single most effective step is to connect with a HUD-approved housing counselor. These trained professionals are your advocates, and their services are always free.

The Role of a HUD-Approved Housing Counselor

A housing counselor is an independent, certified expert from a non-profit agency whose mission is to help you achieve the best possible outcome. They work for you, not the lender.

A counselor provides critical services, including:

• Comprehensive Financial Analysis: Reviewing your income, debts, and expenses to create a realistic budget.
• Explanation of Options: Explaining complex mortgage terms and workout options in plain language.
• Loss Mitigation Support: Helping you prepare and submit a complete loss mitigation application to your servicer.
• Direct Negotiation: Communicating and negotiating directly with your mortgage servicer on your behalf.
• Scam Prevention: Helping you identify and avoid predatory "foreclosure rescue" scams.

Home Help NH: The Statewide Network

The central hub for accessing these services in New Hampshire is Home Help NH. This is a statewide foreclosure counseling initiative designed to connect at-risk homeowners with free, experienced counselors. State authorities, including the New Hampshire Banking Department and 603 Legal Aid, all direct consumers to this network.

How to Connect with a Counselor

Accessing this free, expert help is simple and direct. There are two main ways to get connected:

1. Dial 2-1-1: Call 2-1-1 from any phone in New Hampshire to be referred to a local, HUD-approved housing counseling agency.
2. Visit HomeHelpNH.org: The official website, www.HomeHelpNH.org, provides information and a directory of approved counseling agencies.

Key Counseling Agencies and Resources

While 2-1-1 can connect you to the nearest agency, several trusted non-profits provide these services, including AHEAD, Inc., HOME team, The Housing Partnership, and Green Path Debt Solutions.

Ongoing Financial Assistance Programs from New Hampshire Housing (NHHFA)

While NHHFA administered the now-closed HAF program, its primary mission as a self-supporting public corporation continues. NHHFA offers ongoing mortgage programs that can provide financial stability for eligible homeowners.

Refinancing Programs

For homeowners who are not yet in default but are struggling with their current mortgage terms, NHHFA offers refinancing programs. These can help lower a monthly payment, change an adjustable-rate to a fixed rate, or consolidate debt, providing long-term affordability.

Emergency Home Repair Loan (EHRL)

A sudden, major home repair can easily derail a household's budget. To address this, NHHFA offers the Emergency Home Repair Loan (EHRL) for homeowners who currently have a New Hampshire Housing mortgage.

• Purpose: The EHRL provides financing for serious emergencies that affect the livability of a home, such as a failed heating system or a significant roof leak.
• Eligibility: This program is only for homeowners with an existing NHHFA mortgage.
• Terms: Eligible homeowners can borrow up to $25,000 with an affordable interest rate and a repayment term of up to 15 years.

Cash Assistance Mortgage

For those considering a home purchase or refinance through NHHFA, the Cash Assistance Mortgage program provides funds for a down payment and closing costs. This assistance comes in the form of a second mortgage with a 0% interest rate and no monthly payments. The loan is fully forgiven after four years if the homeowner remains in the property.

Understanding Your Legal Rights and Accessing Free Legal Support

The foreclosure process is a legal one, and in New Hampshire, it operates with exceptional speed. Understanding this legal environment is essential for protecting your rights.

The Foreclosure Process in New Hampshire: A Race Against Time

New Hampshire is primarily a "non-judicial foreclosure" state. This means that if your mortgage contains a "power of sale" clause, the lender can foreclose on and sell your home without taking you to court.

This process is incredibly fast and can take less than 120 days from the first missed payment to the auction. This expedited system places homeowners at a significant disadvantage if they do not have expert legal knowledge.

Introducing 603 Legal Aid

603 Legal Aid is a non-profit law firm that provides free civil legal advice and representation to low-income individuals and older adults across New Hampshire. For homeowners facing foreclosure, their services are an indispensable resource.

The Foreclosure Relief Project

Specifically for this crisis, 603 Legal Aid operates the Foreclosure Relief Project. This program provides immediate legal evaluation and assistance. The process is straightforward:

1. Apply for Help: A homeowner can call 603 Legal Aid at (603) 224-3333 or apply online.
2. Intake Interview: An intake specialist will gather information about the situation.
3. Free Legal Consultation: The homeowner is scheduled for a free telephone appointment with an attorney specializing in foreclosure law.

How Legal Aid Can Help

A lawyer from 603 Legal Aid can provide several forms of critical assistance. They can:

• Review Your Case: Analyze your loan documents to identify any legal defenses to the foreclosure.
• Explain Legal Options: Advise you on complex legal strategies, such as filing for bankruptcy to halt a foreclosure.
• Seek Court Intervention: Help you file for an injunction in court to stop a scheduled foreclosure sale, giving you more time to find a solution.
• Provide Representation: In some cases, 603 Legal Aid may be able to provide full legal representation in court.

A Network of Community Support and Additional Resources

A mortgage crisis is often connected to broader financial challenges. New Hampshire has a powerful social safety net that can provide holistic support to a household in crisis.

2-1-1 New Hampshire: Your Central Information Hub

Dialing 2-1-1 is the primary gateway to foreclosure counseling, but its role is much broader. It is a free, confidential referral service that connects residents to a vast database of services, including:

• Utility and fuel payment assistance.
• Food pantries and nutrition programs.
• Local municipal welfare offices.
• Rental assistance programs.
• Other emergency financial assistance.

Community Action Partnership (CAP) Agencies

New Hampshire's Community Action Partnership (CAP) agencies are local non-profits dedicated to helping low-income families. They administer programs like energy assistance (LIHEAP) and weatherization services that can help stabilize a household's finances and free up money for a mortgage payment.

Your Local Municipal Welfare Office

Under New Hampshire law, every town and city has a local welfare administrator who can provide temporary, emergency assistance with basic necessities like rent, utilities, or food. This local safety net can serve as a crucial bridge during a period of income loss.

Beware of Foreclosure Rescue Scams

In times of desperation, it is essential to be vigilant against predatory scams. Be extremely wary of any company that:

• Asks for a large fee upfront.
• Guarantees they can stop your foreclosure.
• Tells you to stop paying your mortgage.
• Asks you to sign over the deed to your property.

Remember, legitimate help from HUD-approved housing counseling agencies and 603 Legal Aid is available for free.

Moving Forward with Confidence

Navigating mortgage hardship can feel isolating, but you do not have to face it alone. While the large-scale New Hampshire Homeowner Assistance Fund program has ended, a powerful and accessible support system is ready to help you.

The most important takeaway is that time is of the essence, and the most critical first step is to seek expert advice. The entire state support system is designed to guide you toward a free, HUD-approved housing counselor. These professionals are the navigators who can analyze your situation and advocate on your behalf.

Don't wait for the situation to worsen. The sooner you act, the more options you will have. Protect your home and your financial future by making a free, confidential call to 2-1-1 today to connect with a housing counselor who can help.

Frequently Asked Questions

Accessing grants for homeless women and other financial aid is a critical step toward safety and stability. For women in a housing crisis, the search for support can feel overwhelming.

However, a network of emergency housing assistance, financial resources, and dedicated local organizations exists to provide help. The key is knowing where to look and how these systems operate.

The most effective path to securing aid involves connecting with local service providers. These organizations distribute funds for everything from immediate shelter to the security deposit on a new home.

Your First Steps to Finding Immediate Help

In a housing crisis, your first priority is always safety. Before looking into financial aid, focus on securing a safe place to stay.

For any life-threatening emergency, the first call should always be to 911. For other urgent housing needs, a structured system of support is available to help.

Your First Call for Help: Connecting with 2-1-1

If you're unsure where to begin, the simplest first step is to dial 2-1-1. This free, confidential hotline is available 24/7 and serves as a central access point for local health and human services nationwide.

Trained staff can provide immediate referrals to local resources, including:

• Emergency shelters
• Food banks
• Crisis support
• Housing assistance programs

The 2-1-1 system simplifies the process of finding help. It acts as a single "front door" to a complex network of social services, translating a crisis into a clear, actionable referral.

Finding Your Local "Front Door" to Services: The Continuum of Care (CoC)

The official "front door" to the homeless services system in any community is the Continuum of Care (CoC) program. A CoC is a local planning body funded by the U.S. Department of Housing and Urban Development (HUD). It coordinates all housing and services for people experiencing homelessness in a specific city or region.

The CoC system manages a wide range of services, from street outreach and emergency shelters to long-term permanent supportive housing.

To access these resources, you must connect with your local CoC's Coordinated Entry system. This system streamlines the process of finding help.

Instead of calling multiple shelters, you make one call to a central point. After an assessment of your needs, you are placed on a community-wide list for the most appropriate resource available. This model shifts the responsibility of finding help from the individual to the system itself.

Emergency Shelters and Safe Havens for Women

For the immediate need of a safe place to sleep, national organizations like The Salvation Army operate extensive local shelter networks. They provide dedicated women's shelters that often accommodate children and offer a supportive, secure environment.

These programs are comprehensive service hubs. They offer more than a bed and a meal, providing services like counseling, case management, job support, and childcare to promote long-term stability.

Specialized shelters are also available for women facing specific challenges, such as domestic violence. These safe havens provide a secure location plus access to legal aid, medical care, and trauma counseling 

Eligibility for these shelters typically aligns with HUD's definition of homelessness, which includes:

• Living in a place not meant for human habitation (e.g., a car or park).
• Residing in an emergency shelter.
• Fleeing domestic violence without another safe residence.

The Truth About Government Grants and Financial Aid

A common misconception exists about applying for government grants for homelessness. It's crucial to understand how funding actually flows to successfully access the financial help that is available.

Why You Can't Apply Directly for a Federal Homelessness Grant

Federal programs, like HUD's Emergency Solutions Grants (ESG) Program, do not give funds directly to individuals or families. This is a critical point to understand.

The government's funding model is designed for systemic intervention. It provides large grants to state governments, local governments, and qualified nonprofit organizations.

These local entities then use the funds to provide direct services and financial assistance in their communities. This structure allows for a community-tailored response.

Therefore, your search strategy should focus on identifying the local agencies that provide direct aid, not on applying for federal grants through portals like Grants.gov.

The Local Organizations That Provide Direct Financial Help

The organizations that provide direct financial help are the ones that receive federal ESG and CoC funds. These include:

• Lead agencies of the local Continuum of Care (CoC).
• County departments of social or human services.
• Community action agencies.
• Large nonprofits like The Salvation Army or Family Promise.

Types of Financial Assistance You Can Receive

The financial aid available is not a simple cash grant. Instead, it is targeted to solve specific housing-related problems.

This assistance often falls under ESG program components like Homelessness Prevention (for those at risk of losing housing) and Rapid Re-Housing (for those already homeless).

Key Programs and Organizations Offering Direct Support

While the system can seem complex, several major programs and organizations are primary sources of aid for homeless women.

Navigating State and County Assistance Programs

Many states and counties run their own emergency assistance programs, which can be a vital source of immediate, flexible aid. An example is the California Work Opportunity and Responsibility to Kids (CalWORKs) Homeless Assistance (HA) Program.

This program provides two main types of aid for eligible families:

• Temporary Assistance: Payments for up to 16 days of temporary shelter, such as a motel.
• Permanent Housing Assistance: Funds to secure permanent housing, covering security deposits, last month's rent, or rent arrears to prevent eviction.

To access this program, you must contact your local county welfare office. Similar state-level programs, like Pennsylvania's Emergency Shelter Allowance (ESA), exist elsewhere.

These state programs can provide a critical bridge of immediate aid. It is often beneficial to investigate both the federally funded CoC system and any state-specific emergency aid programs.

National Nonprofits with a Local Presence

Several national nonprofits have a strong local presence and are cornerstones of the homeless services system.

• The Salvation Army: A key resource with a vast network of emergency and transitional housing, including shelters specifically for women and children. They provide comprehensive services like job training, counseling, and childcare to address the root causes of homelessness. Some locations may also offer direct financial assistance for emergency housing.
• Family Promise: This organization focuses on serving families with children, using a community-based model to keep families together. Their services are built around prevention, shelter, and long-term stabilization to help families achieve independence.
• Specialized Services for Unaccompanied Women: Many communities have nonprofits that focus on the needs of single women. For example, WISE Place in Orange County, California, provides safe shelter, counseling, case management, and employment assistance.

Private Foundation Grants for Individuals

The search for "grants" often leads to private foundations, but this is generally not a reliable source for immediate homelessness aid. Most foundations award grants to nonprofit organizations, not individuals.

A few exceptions exist. Some private foundations offer Emergency and Hardship Assistance grants directly to individuals in crisis to cover basic needs like food and shelter.

It is important to distinguish these from other well-known grants for women. For example:

• The Amber Grant is for female entrepreneurs to start or grow a business.
• American Association of University Women (AAUW) grants are for graduate education and academic pursuits.

Applying for business or academic grants for homelessness relief would be a misuse of time and effort.

Comprehensive Resources for Long-Term Stability

Ending a housing crisis is the first step. The next is building a foundation for a stable, independent future. A wide range of resources can support this journey.

Employment Pathways and Job Training

Meaningful employment is critical for long-term stability. Many organizations serving the homeless offer vocational services to help with this goal.

Services often include:

• Resume development
• Interview coaching
• Job readiness training
• Job placement assistance

The Salvation Army integrates job skills training into its transitional housing programs. Workforce development agencies also partner with homeless service providers to connect people with training and employers. Organizations like Star of Hope create tailored employment plans to help clients achieve their career goals.

Securing Affordable Childcare

For homeless mothers, a lack of affordable childcare is a major barrier to employment and housing stability. Child Care Assistance Programs (CCAP), available in every state, help low-income families pay for quality childcare.

Many of these programs have special provisions for families experiencing homelessness. These can include expediting applications and waiving work or school requirements for an initial three-month period.

This waiver allows time for housing searches and addressing other basic needs. In some areas, Child Care Access Grants can also help families with the application process and cover additional costs.

Accessing Healthcare and Mental Health Support

Health and housing are deeply intertwined. Community health centers, including specialized Health Care for the Homeless programs, provide medical services regardless of a person's ability to pay.

The Substance Abuse and Mental Health Services Administration (SAMHSA) funds programs that integrate mental health, substance abuse treatment, and housing support.

One key program is the Projects for Assistance in Transition from Homelessness (PATH). PATH funds services specifically for homeless individuals with serious mental illness.

When you engage with the CoC system, you tap into a network that can address both housing and health needs. For immediate crisis support, the 988 Suicide & Crisis Lifeline is available 24/7 by phone or text.

Food and Nutrition Benefits

Several essential food programs are available to ensure nutritional needs are met. Key federal programs include:

• Supplemental Nutrition Assistance Program (SNAP): Provides monthly benefits to purchase food.
• Special Supplemental Nutrition Program for Women, Infants, and Children (WIC): Offers healthy food, nutrition education, and breastfeeding support for pregnant women, new mothers, and young children.

Additionally, a nationwide network of food banks and pantries provides free groceries and meals. You can find these resources through Feeding America's online search tool or by calling 2-1-1.

Your Path Forward: From Assistance to Independence

Navigating the path out of homelessness is challenging, but you do not have to do it alone. The system is designed to provide resources and human support to guide you.

The Power of a Case Manager

A dedicated case manager can be your most valuable resource. Provided by nonprofit agencies and CoC partners, case managers are expert guides who help create a personalized stability plan.

A case manager can help you:

• Navigate applications for benefits like SNAP, disability, and housing vouchers.
• Connect with job training, childcare, and healthcare services.

A case manager serves as an advocate and a partner on your journey toward independence.

The Core Principle: All Help is Local

The central takeaway is that all direct help is delivered locally, even if funding originates at the federal level. A successful search for support depends on connecting with your local system.

The most effective actions are to call 2-1-1, find your local CoC's Coordinated Entry point, or visit a local service provider like The Salvation Army. These local actions are the key to unlocking the national network of support.

For an authoritative starting point to find help in any community, visit the HUD Exchange's "Find Homeless Assistance" portal: https://www.hudexchange.info/housing-and-homeless-assistance/.

Frequently Asked Questions

Facing difficulty with your mortgage can be incredibly stressful, but the Nevada mortgage relief program offers a crucial lifeline for homeowners experiencing financial hardship. The primary source of this aid is the Nevada Homeowner Assistance Fund (HAF), a federally funded initiative designed to prevent mortgage delinquencies and foreclosures.

This resource provides a clear path to understanding the help available through HAF, including its specific programs. We will walk through eligibility requirements, the necessary documents for your application, and explore other vital foreclosure prevention resources available to Nevadans, ensuring you have the information needed to secure your home.

The Nevada Homeowner Assistance Fund (HAF): Your First Step for Urgent Relief

For Nevada homeowners facing the risk of mortgage delinquency or foreclosure, the Nevada Homeowner Assistance Fund (HAF) is the most direct source of aid. Understanding its purpose, current status, and the organizations that manage it is the first step toward accessing this critical support.

What is the Nevada HAF?

The Nevada Homeowner Assistance Fund is a federally funded program created through the American Rescue Plan Act of 2021. This legislation allocated approximately $120 million to Nevada to provide direct relief to homeowners who suffered a financial hardship associated with the COVID-19 pandemic. The program's core mission is to prevent mortgage delinquencies, defaults, and foreclosures, thereby promoting housing stability across the state.

Is the HAF Program Still Available?

It is essential for homeowners to understand the program's current status. The Nevada HAF is actively "winding down," and the remaining funds are limited. This means that while assistance is still being provided, the window of opportunity is closing.

Submitting an application does not guarantee the receipt of funds; assistance is contingent upon the availability of the remaining program money. The federal government has stipulated that all funds must be expended by September 30, 2025, adding a firm deadline to the program's operations. This limited availability underscores the urgency for eligible homeowners to apply as soon as possible.

Who Administers the Program? Understanding NAHAC's Role

The HAF program is federally funded and overseen by the Nevada Housing Division, but the day-to-day administration is handled by a dedicated non-profit organization: the Nevada Affordable Housing Assistance Corporation (NAHAC). NAHAC was approved by the U.S. Department of the Treasury to manage Nevada's HAF funds, which were previously known as the Hardest Hit Fund.

When a homeowner applies for HAF assistance, they are interacting directly with NAHAC's team of trained professionals. Importantly, all services provided by NAHAC for the HAF program are completely free of charge. Homeowners should be cautious of anyone requesting a fee for help with a loan modification or HAF application, as this is a common scam tactic. For direct, legitimate assistance, homeowners can contact NAHAC at (888) 320-6526.

Deep Dive into HAF Programs: Which Assistance Fits Your Situation?

The Nevada HAF is comprised of distinct programs tailored to specific types of financial hardship. Identifying which program aligns with your circumstances is key to a successful application. The two primary programs are the Unemployment Mortgage Assistance Program (UMA) and the Mortgage Reinstatement Assistance Program (MRAP).

Unemployment Mortgage Assistance Program (UMA)

The UMA program is designed for eligible Nevada homeowners who have lost income due to unemployment or significant underemployment. This program offers a crucial buffer, providing forward-looking support to help households regain their financial footing.

Key features of the UMA program include:

• Up to six months of mortgage payments.
• A maximum benefit of $65,000 per household.
• Payments cover principal, interest, taxes, insurance (PITI), and other housing-related costs like HOA fees.
• Funds can first be used to reinstate a delinquent loan before forward payments begin.

To be eligible, at least one homeowner must be receiving, or have received since January 21, 2020, Unemployment Insurance Benefits (UIB). Homeowners must be aware that the Unemployment Mortgage Assistance Program will be closed effective June 30, 2025. After this date, all applicants will need to seek aid through the MRAP.

Mortgage Reinstatement Assistance Program (MRAP)

The Mortgage Reinstatement Assistance Program (MRAP) is the broader component of the Nevada HAF. Its purpose is to help income-qualified homeowners who have fallen behind on their payments and need a one-time infusion of funds to cure their delinquency and avoid foreclosure. MRAP is designed to resolve past-due amounts and bring a mortgage completely current.

MRAP provides funds to cover all aspects of a mortgage delinquency, including:

• Past-due principal and interest.
• Non-escrowed property taxes and homeowner's insurance premiums.
• Homeowner Association (HOA) dues.
• COVID-related Partial Claims or Deferments that are now coming due.

To be eligible for MRAP, a homeowner's mortgage and/or other housing-related expenses must be at least 30 days past due at the time of their application. This program serves as the primary avenue for assistance for any homeowner who needs help catching up on payments.

General HAF Eligibility Requirements

While UMA and MRAP target different situations, they share a common set of foundational eligibility criteria. A homeowner must meet these general requirements to qualify for any assistance through the Nevada HAF.

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

Navigating the application for any assistance program can feel daunting. The Nevada HAF process is structured to be as straightforward as possible through an online portal. Following the steps and preparing documents in advance can significantly streamline the experience.

How to Apply: From Pre-Screening to Submission

The application for the Nevada Homeowner Assistance Fund is managed entirely through the official program website, https://www.nevadahaf.com/. The process is broken down into several distinct stages:

1. Pass the Pre-Screening: Complete a brief online questionnaire to determine if you meet the basic eligibility criteria.
2. Create Your Account: If the pre-screening is successful, create a secure personal account on the HAF portal.
3. Complete the Online Application: Fill out the application form with personal, financial, and property information, and upload digital copies of all necessary supporting documents.
4. Sign and Submit: Electronically sign and submit the completed application for review by NAHAC.
5. Monitor Application Status: Check for updates, requests for more information, or decisions through your account dashboard on the HAF portal.

Your Document Checklist: Gathering What You Need

The most common cause for application delays is incomplete documentation. Gathering all necessary paperwork beforehand is the best way to ensure a smooth process.

When HAF Isn't an Option: Other Nevada Foreclosure Prevention Resources

As the Homeowner Assistance Fund winds down, it is crucial to be aware of other support available in Nevada. The state has several long-standing programs and non-profit services designed to help residents avoid foreclosure.

The Nevada Foreclosure Mediation Program (FMP)

Nevada law provides a powerful right to homeowners facing foreclosure. The Foreclosure Mediation Program (FMP) allows homeowners to enter into a formal mediation with their lender to explore alternatives to foreclosure.

This right is triggered upon receiving a "Notice of Default (or Breach) and Election to Sell." The homeowner has exactly 30 days to elect to participate in the FMP. During mediation, a neutral third party facilitates a discussion where both parties must negotiate in good faith to find a solution, such as a loan modification.

Free, Expert Help: HUD-Approved Housing Counseling

For any homeowner feeling overwhelmed, the most effective step is to contact a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agency. These non-profits provide expert, confidential, and typically free services to help homeowners understand their options.

A certified housing counselor can:

• Assess your financial situation.
• Explain complex loan documents.
• Negotiate directly with mortgage servicers for options like forbearance or loan modifications.
• Help you apply for programs like HAF or prepare for mediation.

Agencies like Neighborhood Housing Services of Southern Nevada (NHSSN) and Community Services of Nevada (CSNV) are dedicated to this work. You can find a local agency using the official HUD Counseling Agency Lookup tool: https://www.hud.gov/counseling.

Legal Assistance and Other Non-Profit Support

Several Nevada organizations offer targeted legal and social service assistance.

• Legal Aid Center of Southern Nevada: Provides legal assistance on foreclosure-related matters, including representation in the Foreclosure Mediation Program.
• Nevada Legal Services: Offers free legal services to low-income Nevadans facing housing issues and foreclosure.
• Nevada 2-1-1: A statewide information and referral service that connects residents to a wide range of local health and human services. Visit their website at https://www.nevada211.org/ or call 2-1-1.

Looking Ahead: Other Statewide Housing Programs

While mortgage relief focuses on crisis intervention, it is helpful to understand the broader landscape of housing support in Nevada. The state offers several programs aimed at making homeownership more accessible and affordable.

Down Payment Assistance and Homebuyer Programs

The Nevada Housing Division (NHD) and Nevada Rural Housing (NRH) run several programs to help families purchase a home.

• Home is Possible (HIP): NHD's flagship program offers down payment and closing cost assistance of up to 5% of the loan value for both first-time and repeat homebuyers. It also features specialized tracks for teachers and military veterans.
• Home At Last™: Administered by Nevada Rural Housing, this program provides down payment assistance to homebuyers in eligible rural areas of the state, often as a forgivable second mortgage.
• Mortgage Credit Certificate (MCC): This federal tax credit program reduces the amount of federal income tax a homeowner pays, making monthly mortgage payments more affordable for qualified first-time homebuyers and veterans.

Conclusion: Your First Call and Key Takeaways

Navigating the threat of foreclosure is challenging, but Nevada offers a strong network of resources. The key to success is to take proactive, informed steps as early as possible.

The most critical takeaways are:

• The Nevada Homeowner Assistance Fund (HAF) is the primary source of direct mortgage relief, but it is a temporary program with dwindling funds. Time is of the essence.
• The HAF consists of two main programs: the Unemployment Mortgage Assistance Program (UMA), which closes on June 30, 2025, and the broader Mortgage Reinstatement Assistance Program (MRAP).
• A successful application requires careful preparation of all necessary documents proving identity, property ownership, income, and hardship.
• Beyond HAF, vital resources like the state's Foreclosure Mediation Program and free HUD-approved housing counseling provide powerful advocacy and support.

If you are feeling overwhelmed or unsure where to begin, your single best first step is to make a phone call. Reach out to a free, HUD-approved housing counselor or contact the Nevada Affordable Housing Assistance Corporation (NAHAC) directly at (888) 320-6526.

These experts are equipped to provide personalized guidance for your specific situation. Facing financial hardship is difficult, but you do not have to go through it alone. By utilizing the resources available, you can find a path toward stabilizing your finances and securing your home.

Frequently Asked Questions

For Nebraska homeowners facing financial hardship, the search for a mortgage relief program can feel urgent and overwhelming. If you are looking for the Nebraska mortgage relief program, you are likely thinking of the Nebraska Homeowner Assistance Fund (NHAF). It is critical to know that this program has allocated all of its funds and is now closed.

While that specific fund is no longer available, this does not mean help is out of reach. A robust network of foreclosure prevention resources, expert assistance, and mortgage relief options still exists for Nebraska homeowners. Falling behind on mortgage payments is a serious but often solvable problem. The key is to take action immediately. This action plan provides clear, step-by-step guidance on the resources available to help you navigate this challenge, connect with experts, and work toward a stable housing solution.

The Nebraska Homeowner Assistance Fund (NHAF): A Closed Chapter

To provide a complete picture, it is important to understand what the NHAF program was and why it is no longer an option. This clarity is crucial because outdated information about the program still exists online. Pursuing a defunct program wastes precious time, a critical resource when facing a foreclosure timeline in Nebraska, where the process can move quickly.

What Was the NHAF Program?

The NHAF was a temporary federal relief program established under the American Rescue Plan Act of 2021. Funded by the U.S. Department of the Treasury, its purpose was to help homeowners who experienced financial hardship due to the COVID-19 pandemic that began or continued after January 21, 2020. The program was managed by the Nebraska Investment Finance Authority (NIFA), the state's official housing finance agency.

NHAF provided several types of assistance, including:

• Mortgage Reinstatement: Funds to eliminate or reduce past-due mortgage payments, including those in a forbearance plan.
• Mortgage Payment Assistance: Financial help for future mortgage payments for up to six months for those with a continuing financial hardship.
• Property-Related Expenses: Funds for delinquent property taxes, homeowner's insurance, HOA dues, and other charges that threatened homeownership.

NHAF Program Closure

Eligible homeowners could receive up to $30,000 in total assistance. The program was highly effective, distributing its full allocation of $45 million to 3,093 homeowners across 85 of Nebraska's 93 counties before its closure. As of July 2024, the NHAF program and its waitlist are officially closed, and all funds have been distributed.

Your Most Important First Step: Connect With a HUD-Approved Housing Counselor

With the NHAF closed, the single most important action a homeowner in distress can take is to contact a HUD-approved housing counselor. This is not just a suggestion; it is the essential first step toward finding a solution.

A housing counselor is a trained and certified professional, typically from a nonprofit agency, who provides free, expert, and confidential guidance to homeowners facing mortgage difficulties. Their primary goal is to advocate on your behalf and help you explore all available options to avoid foreclosure.

Why Early Action is Crucial

The psychological weight of facing foreclosure can be immense, often leading to fear, embarrassment, and inaction—such as avoiding calls from the lender or not opening mail. This is a natural reaction, but it can severely limit your options as deadlines pass.

Engaging a housing counselor immediately shifts this dynamic. It introduces a calm, knowledgeable third party who transforms the overwhelming threat of foreclosure into a manageable process with a clear action plan. This transition from a reactive state of panic to a proactive position of control is often the most critical factor in achieving a positive outcome.

What to Expect from a Housing Counselor

During a foreclosure prevention counseling session, you can expect the counselor to:

• Conduct a Full Financial Assessment: They will confidentially review your income, expenses, debts, and mortgage details to get a complete picture of your financial situation.
• Explain Your Options: The counselor will explain Nebraska's foreclosure process and timeline, detail all potential foreclosure alternatives (known as loss mitigation), and help you understand the pros and cons of each.
• Create an Action Plan: They will work with you to create a sustainable household budget and develop a clear plan to present to your mortgage servicer.  
• Assist with Applications: They will help you gather the necessary financial documents and prepare a complete and effective loss mitigation application to submit to your lender.
• Act as a Liaison: Counselors often serve as a facilitator between you and your mortgage servicer, helping to bridge communication gaps and ensure your case is properly reviewed.

Free, Certified Housing Counseling Agencies in Nebraska

The following organizations are approved by the U.S. Department of Housing and Urban Development (HUD) to provide free housing counseling services to Nebraska residents. Be cautious of any individual or company that asks for a fee in exchange for counseling or promises to "save your home," as this is a common sign of a foreclosure rescue scam.

For the most current list or to search for an agency by zip code, you can use the official search tools provided by(https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) or the(https://www.consumerfinance.gov/find-a-housing-counselor/).

Additional Nebraska Resources for Homeowners in Hardship

Beyond housing counseling, Nebraska offers a safety net of other organizations that can provide legal assistance, community support, and financial relief.

Legal Aid of Nebraska

Foreclosure is a legal process, and understanding your rights is crucial. Legal Aid of Nebraska provides free civil legal services to qualifying low-income residents. Their Housing Justice Project is specifically dedicated to protecting the rights of Nebraskans in foreclosure and eviction cases, ensuring housing is safe, and helping families access affordable housing. If you are facing foreclosure, contacting Legal Aid can provide you with essential legal advice and potential representation. You can apply for services by calling one of their statewide access lines.

Community Action Partnerships and Local Support

Local organizations may offer direct, though often limited, financial assistance. The Eastern Nebraska Community Action Partnership (ENCAP), for example, provides some assistance with mortgage and utility expenses for those in financial hardship, alongside financial coaching. Funding for these programs is typically scarce, so it is important to call and inquire about current availability.

Statewide Information and Referral

The United Way's 2-1-1 service is a free, confidential information and referral hotline available to all Nebraska residents. By dialing 2-1-1, you can connect with a specialist who can direct you to a wide range of local resources, including housing assistance, food banks, utility assistance programs, and counseling services in your specific area.

Reducing Your Property Tax Burden

For some homeowners, reducing overall housing costs can make their mortgage more manageable. The Nebraska Homestead Exemption Program provides property tax relief to eligible individuals, including persons over 65, qualified disabled individuals, and certain disabled veterans or their widow(er)s. Contact your county treasurer's office for more information on eligibility and how to apply.

Understanding Nebraska’s Foreclosure Process and Your Rights

Knowledge is a powerful tool for reducing anxiety and making informed decisions. Understanding how foreclosure works in Nebraska and the timeline involved can help you act at the right moments to protect your home.

Nebraska is Primarily a Non-Judicial Foreclosure State

Most foreclosures in Nebraska are non-judicial, meaning the lender does not have to go through the court system to foreclose. This is possible because most home loans in the state are secured by a Deed of Trust, which contains a "power of sale" clause allowing the lender to sell the property if the borrower defaults. The critical implication of a non-judicial process is its speed. It moves much faster than a court-supervised foreclosure, which underscores the need for homeowners to act immediately upon falling behind on payments.

The Foreclosure Timeline You Need to Know

While every situation is unique, the non-judicial process generally follows these steps:

1. Pre-Foreclosure Period: Federal law typically requires a mortgage servicer to wait until a loan is more than 120 days delinquent before officially starting foreclosure. This 120-day window is your most important opportunity to apply for loss mitigation. Servicers must also attempt to contact you within 36 days of a missed payment and inform you in writing of your options within 45 days.
2. Notice of Default: The official foreclosure process begins when the lender's trustee files a "Notice of Default" with the Register of Deeds in your county. This notice triggers a one-month period during which you have the legal   right to reinstate your loan by paying the full past-due amount plus any accrued fees and costs.
3. Notice of Sale: If the loan is not reinstated within that month, the trustee can issue a "Notice of Sale." This notice must be mailed to you at least 20 days before the auction date and must also be published in a local newspaper for five consecutive weeks.
4. The Foreclosure Sale: The property is sold at a public auction to the highest bidder. Once this sale is completed, your right to the property is terminated, and reversing the sale is extremely difficult.

Your Protections Under the Nebraska Foreclosure Protection Act

Nebraska has a specific law designed to shield homeowners from fraudulent activities by so-called "foreclosure consultants" or "equity purchasers" who prey on vulnerable consumers. This act grants you important rights, including:

• The right to review any written contract from a consultant for at least 24 hours before signing.
• The right to a written contract that fully describes the services and total charges.
• The right to cancel a contract with an equity purchaser within three business days.

Working Directly With Your Lender: Key Foreclosure Alternatives

While a housing counselor can facilitate communication, the ultimate solution will involve an agreement with your mortgage servicer. Do not be afraid to contact them directly. Lenders have dedicated "loss mitigation" departments whose job is to work with struggling borrowers.

Foreclosure is a costly and time-consuming process for lenders, and they often prefer to find an alternative that keeps you in your home and the loan performing. When you speak with your servicer, you will be discussing these common loss mitigation options:

• Forbearance: A temporary agreement to pause or reduce your monthly payments for a specific period (e.g., 3-12 months). This is ideal for homeowners who have experienced a short-term hardship, like a temporary job loss or medical issue, and expect their income to recover.
• Repayment Plan: An agreement that allows you to catch up on missed payments over an extended period. Your servicer will typically add a portion of the past-due amount to your regular monthly mortgage payment until the loan is current.
• Loan Modification: A permanent change to the original terms of your mortgage to make the payments more affordable. This can involve reducing the interest rate, extending the repayment term (e.g., from 30 to 40 years), or deferring a portion of the principal balance to be paid at the end of the loan.
• Short Sale or Deed-in-Lieu of Foreclosure: If keeping the home is not financially feasible, these options allow for a "graceful exit." A short sale lets you sell the home for less than what is owed, and a deed-in-lieu involves voluntarily transferring the property title back to the lender. Both are less damaging to your credit than a formal foreclosure.

If your mortgage is federally backed (e.g., FHA, VA, USDA), you may be eligible for special relief programs and protections. A HUD-approved housing counselor is the best resource to help you identify if your loan is federally backed and what specific options are available to you.

A Path Forward for Nebraska Homeowners

Facing the risk of foreclosure is one of the most stressful experiences a family can endure. While the Nebraska Homeowner Assistance Fund has closed, a clear path forward exists. Financial hardship is a challenge, but it is one that can be managed and overcome with the right support and timely action.

Remember that you are not alone, and free, professional help is available. Your first and most critical step is to call a free, HUD-approved housing counselor today. By taking that step, you can gain a knowledgeable advocate, understand your options, and create a plan to secure your housing future.

Frequently Asked Questions

Securing grants for homeless individuals typically involves connecting with local financial assistance and housing programs rather than applying for direct personal funding. While federal grants are rarely awarded directly to individuals, they are the main source of funding for a large network of community-based organizations. These groups provide emergency shelter, rental assistance, and a variety of supportive services.

Understanding how to access this system is the most critical step toward finding stability. These programs are designed to offer a pathway out of homelessness through coordinated support. They address both immediate needs and long-term housing solutions.

How to Get Immediate Help for Housing and Homelessness

For individuals or families in a housing crisis, the most urgent need is knowing where to turn for immediate help. The support system is built around local "front doors"—centralized points of contact designed to connect people with the right resources quickly. Contacting one of these entry points is the most effective way to access the full spectrum of available assistance.

The National "Front Door": Dial 2-1-1 for Local Referrals

The most direct first step for anyone in the United States needing help is to dial 2-1-1. This is a free, confidential, 24/7 hotline that connects callers with trained specialists who provide information and referrals to local health and human services.

When facing homelessness, a call to 2-1-1 can provide immediate, actionable information on where to find:

• The nearest available emergency shelters.
• Locations for food pantries and community meals.
• Intake centers for housing assistance programs.
• Resources for utility bill assistance.
• Information on healthcare, mental health services, and other essential support.

The 2-1-1 system is designed to navigate the complex web of local service providers, saving individuals the overwhelming task of finding and contacting numerous agencies on their own. An operator will ask about your situation to identify the most appropriate resources in your community.

Connecting with Your Community's Coordinated Entry System (CES)

When you call 2-1-1 or contact a local homeless service provider, you are typically interacting with your community's Coordinated Entry System (CES). This is the organized process communities use to ensure assistance is provided in a streamlined and fair manner.

The purpose of CES is to quickly identify, assess, and connect people in a housing crisis to the most appropriate housing and services based on their specific needs. This system is managed locally by a planning body known as the Continuum of Care (CoC), a coalition of nonprofits and government agencies working together to address homelessness. CES prioritizes resources for those with the most severe needs, making the system more efficient and equitable.

Using Online Tools to Find Local Service Providers

For those with internet access, several reliable online tools can help locate assistance providers directly. These resources offer searchable databases to pinpoint local help.

• HUD Find Shelter Tool: The U.S. Department of Housing and Urban Development (HUD) offers an interactive tool to find nearby emergency shelters, food pantries, health clinics, and clothing resources. Visit the tool at   https://www.hud.gov/findshelter.
• FindHelp.org: This search engine allows users to find free and reduced-cost social services by entering their zip code. It covers a wide range of categories, including housing, food, financial aid, and legal services.
• Feeding America Food Bank Locator: This tool helps find local food banks, which supply community pantries, soup kitchens, and meal programs.

What to Expect and What Documents You Might Need

The process of seeking help usually begins with an intake interview. A caseworker will ask about your living situation, income, and needs to determine eligibility for various programs and develop a housing plan.

While having certain documents is helpful, a lack of paperwork should never be a barrier to receiving immediate emergency shelter. For emergency situations, many shelters accept a self-certification where you simply confirm you are homeless. For longer-term housing programs, the following documents may be requested:

• Identification: A valid photo ID like a driver's license, state ID, or passport is often requested. If a photo ID isn't available, other documents like a birth certificate, Social Security card, or Medicaid card can be used.
• Proof of Housing Situation: For homelessness prevention, documents like an eviction notice or utility bills can show a risk of homelessness. This is often not required for those already in shelters or on the street.

Many service organizations have programs to help individuals obtain missing identification documents. They can often assist with the process and may cover the fees, as these documents are essential for accessing benefits, employment, and housing.

Understanding the Major Federal Homeless Assistance Programs

Local services are made possible by large-scale federal grant programs. These programs fund states, cities, and nonprofits that deliver on-the-ground support, rather than providing money directly to individuals. Understanding these programs helps clarify what types of assistance are available.

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

HUD is the lead federal agency for addressing homelessness. Its grant programs fund everything from strategic planning to emergency shelter and permanent housing solutions, forming the foundation of most communities' response systems.

1. The Continuum of Care (CoC) Program

The Continuum of Care (CoC) Program is HUD's main initiative to promote a community-wide commitment to ending homelessness. The program provides grants to local planning bodies (CoCs) that coordinate a region's full range of housing and services. The primary goal is to rehouse individuals and families quickly while minimizing the trauma of homelessness.

The CoC program funds five key components:

• Permanent Supportive Housing (PSH): Long-term housing assistance and supportive services for individuals and families with disabilities who have experienced chronic homelessness.
• Rapid Re-Housing (RRH): Short- to medium-term rental assistance to help people move quickly from homelessness into permanent housing.
• Transitional Housing (TH): Temporary housing (up to 24 months) with intensive services to bridge the gap to permanent housing.
• Supportive Services Only (SSO): Funds for operating the Coordinated Entry System (CES) and providing services like outreach and assessment.
• Homeless Management Information System (HMIS): Funding for the local data system used to track housing and services.

2. Emergency Solutions Grants (ESG) Program

The Emergency Solutions Grants (ESG) Program funds immediate crisis response and homelessness prevention. ESG funds are distributed by a formula to states, large cities, and urban counties, which then sub-grant the funds to local nonprofit organizations that provide direct services.

Individuals access ESG-funded services through these local partners. The program supports five primary activities:

• Street Outreach: Engaging with unsheltered individuals to connect them with shelter and services.
• Emergency Shelter: Improving and operating emergency shelters and providing essential services to residents.
• Homelessness Prevention: Providing financial assistance and services to those at imminent risk of losing their housing.
• Rapid Re-Housing Assistance: Offering financial aid and services to help homeless individuals and families move quickly into permanent housing.
• HMIS: Contributing to the cost of the local data collection system.

U.S. Department of Health and Human Services (HHS) Programs

HHS funds critical programs that address the health and well-being of people experiencing homelessness, with a focus on those with behavioral health challenges and youth.

1. SAMHSA Grants (GBHI & PATH)

Stable housing is a critical component of recovery from mental and substance use disorders. SAMHSA grants are designed to integrate treatment and recovery services with housing support.

• Grants for the Benefit of Homeless Individuals (GBHI): This program funds organizations that provide comprehensive treatment for individuals, youth, and families experiencing homelessness who also have substance use disorders (SUDs) or co-occurring disorders (CODs). Services include outreach, treatment, case management, recovery support, and housing assistance.
• Projects for Assistance in Transition from Homelessness (PATH): The PATH program provides funds to states for community-based outreach, treatment, and other supportive services for individuals with serious mental illness who are experiencing homelessness.

2. For Youth: The Runaway and Homeless Youth Act (RHYA) Programs

The Runaway and Homeless Youth Act (RHYA) is the primary federal legislation supporting services for young people experiencing homelessness. Administered by the Family and Youth Services Bureau (FYSB), these programs provide care tailored to the unique needs of youth. Individuals can find local RHYA-funded programs through the FYSB grantee map or by contacting the National Runaway Safeline at 1-800-RUNAWAY.

The core RHYA grant programs include:

• Street Outreach Program (SOP): Funds organizations to connect with youth on the streets and link them to safer alternatives.
• Basic Center Program (BCP): Supports emergency shelters that provide temporary housing and services for youth under 18.
• Transitional Living Program (TLP): Provides longer-term residential services for youth ages 16 to 22, focusing on life skills.
• Maternity Group Homes (MGH): A specialized TLP component providing housing for pregnant and parenting youth.

Programs for Veterans

A dedicated network of programs exists to serve veterans experiencing or at risk of homelessness. These programs are primarily funded by the Department of Veterans Affairs (VA), often in partnership with HUD.

1. Supportive Services for Veteran Families (SSVF) Program

The SSVF program is a critical resource for very low-income veterans and their families. It aims to prevent homelessness and rapidly re-house veteran families who are already homeless. Local nonprofits receive SSVF grants to provide services, including:

• Comprehensive case management.
• Assistance in obtaining VA and other public benefits.
• Time-limited financial assistance for expenses like rent and utilities. 
• Housing counseling and legal support.

2. HUD-Veterans Affairs Supportive Housing (HUD-VASH) Program

The HUD-VASH program combines HUD's Housing Choice Voucher (Section 8) rental assistance with case management and clinical services from the VA. This program provides long-term, stable housing paired with intensive support services to help veterans maintain their housing.

Types of Support and Services Available

Federal grants translate into a concrete set of housing interventions and supportive services available at the local level. The modern approach is guided by a "Housing First" philosophy, which prioritizes getting people into stable housing as quickly as possible without preconditions. This approach recognizes that housing provides the foundation for addressing other challenges.

Emergency and Temporary Housing Solutions

For those in immediate crisis, the first priority is safety and shelter. These programs are designed to meet this need while serving as an entry point to more stable solutions.

• Street Outreach: Outreach teams are often the first point of contact for unsheltered individuals. They work to build trust, provide essential items, and connect people with emergency shelter and the Coordinated Entry System.
• Emergency Shelters: Shelters provide a safe, temporary place to sleep, along with meals, showers, and connections to case managers. Many communities have low-barrier shelters to be as accessible as possible.
• Transitional Housing: This serves as an intermediate step, offering a more stable living situation for up to 24 months. Residents receive intensive case management to build the skills and income needed for permanent housing.

Pathways to Permanent Housing

The ultimate goal is to help people achieve and maintain permanent housing. Several key strategies are used to move individuals and families from crisis to stability.

• Rapid Re-Housing (RRH): This intervention is designed to resolve homelessness as quickly as possible. RRH includes three core components:
  1. Housing Identification: Helping clients find suitable rental housing.
  2. Rental and Move-In Assistance: Providing short- to medium-term financial assistance for costs like security deposits and rent.
  3. Case Management and Services: Offering ongoing support to help clients maintain housing and increase their income.
• Permanent Supportive Housing (PSH): PSH is designed for individuals and families with a disability who have experienced long-term homelessness. It provides long-term rental assistance paired with voluntary, intensive supportive services.
• Housing Choice Vouchers (Section 8) and Public Housing: These HUD programs are essential resources for affordable housing. Some vouchers, like the Emergency Housing Voucher (EHV), are specifically targeted to assist people exiting homelessness. Local Public Housing Authorities (PHAs) administer these programs.

Essential Supportive Services for Stability

Supportive services are the "wraparound" supports integrated with housing to help people achieve lasting stability.

• Case Management and Benefits Enrollment: Case managers coordinate support, create housing stability plans, and help clients apply for mainstream benefits like SNAP, Medicaid, and disability income.
• Healthcare, Mental Health, and Recovery Services: Many programs offer integrated healthcare, including treatment for mental health conditions and substance use disorders, peer support, and connections to primary medical care. SAMHSA's grant programs are a primary funder of these vital services.
• Employment and Legal Aid: Many programs offer employment assistance, including job training and coaching. Free legal aid services are often available to help resolve issues that can be barriers to housing, such as eviction prevention or clearing outstanding warrants.

The Role of National and Community Organizations

While federal agencies provide funding, the work of helping people is carried out by a dedicated network of nonprofit and faith-based organizations. These groups deliver shelter, housing, and services directly to those in need.

National Nonprofits and Faith-Based Networks

Several large organizations have a significant presence in communities across the country, forming a critical part of the local safety net.

• The Salvation Army: As one of the largest social service providers, The Salvation Army offers extensive homeless services, including emergency shelters, transitional housing, and permanent supportive housing. They also provide emergency rent and utility assistance.
• Catholic Charities: Through a national network of local agencies, Catholic Charities is a major provider of housing services, from low-barrier emergency shelters to long-term permanent supportive housing. Their Healthy Housing Initiative integrates healthcare with housing for the chronically homeless. Many of their programs receive clients through the local Coordinated Entry System.
• Other Private Foundations and Charities: Many private foundations, like the Gerstner Family Foundation and The Leon Levine Foundation, provide significant financial support for emergency assistance. These foundations typically provide grants to social service organizations rather than directly to individuals.

Advocacy and Resource Hubs

In addition to direct service providers, several national organizations work to improve policy and advocate for effective solutions to end homelessness.

• National Alliance to End Homelessness: This is a leading national voice on homelessness policy and research. The Alliance analyzes data, advocates for federal funding, and provides extensive resources to communities.
• National Homelessness Law Center: This organization uses the law to protect the rights of people experiencing homelessness and to advocate for policies that prevent and end homelessness. They are a key resource for legal issues and help challenge the criminalization of homelessness.

Moving Forward: Securing Long-Term Stability

Navigating the path out of homelessness can be challenging, but a robust system of assistance is in place to provide support. While direct personal grants from the government are not the mechanism, a wide array of federally-funded local programs exists to offer financial aid, housing, and comprehensive services.

The most important action is to connect with your local "front door" to services. This first step—whether calling 2-1-1, visiting a service center, or engaging with an outreach worker—opens the door to the entire Continuum of Care. The goal is to offer a "hand up" toward long-term stability and self-sufficiency, helping individuals and families secure a safe, stable place to call home.

Frequently Asked Questions

Facing the possibility of falling behind on mortgage payments or entering foreclosure is one of the most stressful experiences a homeowner can endure. The uncertainty and anxiety can be overwhelming, leaving many Montana families feeling isolated and unsure of where to turn.

It is essential to understand that you are not alone. A robust network of state, federal, and non-profit support systems exists to help you navigate this challenging time. This roadmap provides clear, actionable information to help you understand your options, access financial relief, and secure the stability of your home.

The Importance of Acting Quickly

Before delving into the specifics of various programs, taking immediate, strategic action can significantly alter the outcome of your situation. The most common mistake homeowners make is waiting too long to seek help, often out of fear or uncertainty.

Proactive communication is your most powerful tool. By taking two critical first steps, you can open doors to solutions you may not have known were available and begin to regain control of your financial future.

Critical First Action 1: Contact Your Lender/Servicer

The single most important initial step is to contact the company you send your mortgage payments to each month—your lender or loan servicer. While it may feel counterintuitive to speak with the entity you are struggling to pay, they are a crucial part of the solution. Lenders are often equipped with a range of options to assist homeowners, but they cannot offer help if they are unaware of your situation.

When you call, be prepared to explain your circumstances honestly. Lenders may be able to offer several forms of assistance, including:

• Forbearance: A temporary pause or reduction in your mortgage payments for a specific period.
• Repayment Plan: An arrangement to catch up on missed payments over an extended period.
• Loan Modification: A permanent change to one or more terms of your original loan, such as the interest rate or loan term, to make your monthly payments more affordable.

It is vital to respond to all mail and phone calls from your lender. Keep detailed records of every conversation, including the date, time, and the name of the representative you spoke with.

Critical First Action 2: Contact a HUD-Approved Housing Counselor

Your second critical action is to connect with a U.S. Department of Housing and Urban Development (HUD)-approved housing counselor. These trained, certified professionals provide free, expert, and unbiased guidance to homeowners. They are your personal advocate in this process, equipped to help you understand the complex landscape of mortgage assistance.

A HUD-approved housing counselor will work with you one-on-one to:

• Assess your complete financial situation and create a realistic budget.
• Explain all available options, including state and federal relief programs.
• Help you prepare the necessary documentation for applications.
• Negotiate with your lender on your behalf to find the best possible solution.

In Montana, organizations like NeighborWorks Montana and its statewide network of partners are leading providers of these essential services. You can find a local counselor by using the HUD online search tool or by calling their toll-free hotline at (800) 569-4287.

The Montana Homeowner Assistance Fund (HAF): In-Depth Analysis

The Montana Homeowner Assistance Fund (HAF) is the state's primary mortgage relief program designed to address the economic fallout of the COVID-19 pandemic. Understanding its purpose, eligibility, and application process is crucial for any homeowner whose financial struggles are linked to this period.

What is the Montana HAF Program?

Established through the American Rescue Plan Act (ARPA), the HAF program was created to help homeowners avoid mortgage delinquencies, defaults, and foreclosures. Montana received a $50 million allocation, which is administered by the Montana Department of Commerce. The program's purpose is to mitigate financial hardships associated with the pandemic for homeowners who experienced a loss of income or an increase in living expenses after January 21, 2020.

Current Status: Is HAF Still Accepting Applications?

Yes, the core components of the Montana HAF program remain open and are accepting applications through the official program website. However, it is important to act quickly. The program is funded with a one-time allocation and is scheduled to expire on September 30, 2026, or sooner if the funds are fully expended.

Are You Eligible for HAF? A Detailed Checklist

To qualify for HAF assistance, homeowners must meet a specific set of criteria.

• Financial Hardship: You must have experienced a "material reduction in income or material increase in living expenses" associated with the COVID-19 pandemic after January 21, 2020.
• Income Limits: Your household's gross annual income must not exceed 100% of the Area Median Income (AMI) for your county and household size.
• Property and Occupancy: The property must be your owner-occupied primary residence and located in Montana. Eligible property types include single-family homes, condos, 1-4 unit properties (with owner in one unit), and manufactured or mobile homes.
• Borrower Status: You must be listed as the borrower or co-borrower on the mortgage or loan documents.

Types of Financial Assistance Available Through HAF

HAF assistance is provided as a grant, meaning it does not need to be repaid.

• Mortgage Reinstatement: Receive up to $50,000 to eliminate or reduce past-due mortgage payments and bring your account current. Funds are paid directly to your mortgage servicer.
• Lien Prevention: Get a grant of up to $10,000 to pay delinquent property taxes and avert a tax foreclosure. Funds can also be used for past-due HOA fees, payments on a contract for deed, or mobile home lot rent.
• Utility Payment Assistance: A grant of up to $1,000 is available for households in arrears on utility bills, including electricity and home energy costs.

Discontinued HAF Programs (Important Update)

The Montana HAF program has evolved since its launch in July 2022, adapting to the needs of Montana homeowners. This has led to the discontinuation of certain components to reallocate resources where the need is greatest.

Why Were Some HAF Programs Discontinued?

The shift in program offerings reveals the primary financial pressures on low-income homeowners. For example, the homeowner insurance program ended due to low interest, and funds were redirected to meet a "900 percent increase in expenditures" for property tax assistance. This shows that rising property taxes are a more immediate threat to housing stability.

Similarly, the Home Repairs Program was discontinued after being overwhelmed with nearly double the projected applications in its first year. This highlights a significant underlying issue of aging housing stock and the inability of low-income owners to afford critical maintenance.

As of 2025, the following HAF programs are no longer accepting new applications:

• Home Repairs Program: Discontinued for new applicants due to an unprecedented number of applications that far exceeded available funding.
• Homeowner Insurance Support: Ended for new applicants on May 23, 2025, due to a lack of demand. Funds were reallocated to address the high demand for property tax assistance.

How to Apply for HAF: A Step-by-Step Guide

The application process is managed online through the Montana Board of Housing. Preparing your documentation in advance will ensure a smoother process.

1. Preparation: Connect with a HUD-approved housing counselor. They can help you determine if you meet the HAF eligibility criteria and assist you in gathering the required paperwork.
2. Document Checklist: Before starting the online application, collect the following documents:

• Current Income Verification: Your most recent IRS Form 1040, your two most recent pay stubs, or a profit and loss statement if you are self-employed.
• Mortgage Statement: Your most recent statement showing your account number and amount past due.
• Deed of Trust: A copy of the filed deed of trust for your property.
• Proof of Residency
• Hardship Documentation
• Other Notices: Any tax delinquency notices, HOA letters, or utility shut-off notices.

3. Application Portal: The application must be completed through the official Montana Board of Housing application portal. You will be required to create an account and upload your documentation electronically.

Beyond HAF: A Comprehensive Directory of Montana Housing Assistance

While the Homeowner Assistance Fund is a vital resource, it is a temporary program tied to the COVID-19 pandemic. Many homeowners may face hardship for other reasons or need assistance after HAF ends.

Fortunately, Montana's housing support landscape is a network of interconnected federal, state, and non-profit programs. This directory synthesizes this fragmented information into a single, coherent resource to help you identify the right program for your situation.

Comparison of Montana Homeowner Assistance Programs

For Homeowners Facing Foreclosure

If you have received a notice of default or foreclosure, it is imperative to act immediately. Understanding the process and your rights is the first step toward preventing the loss of your home.

Understanding the Montana Foreclosure Process

In Montana, most home loans use a non-judicial foreclosure process known as a "power of sale," which is generally faster because it does not require a court order. The key steps include:

1. Notice of Default: After you miss several payments, the lender will record a notice of default.
2. Notice of Trustee's Sale: The lender must send you a notice and publish it in a local newspaper at least 120 days before the scheduled foreclosure sale.
3. Trustee's Sale: The property is sold at a public auction to the highest bidder.

Your Rights as a Homeowner

Even when facing foreclosure, you have significant rights under Montana law:

• Right to Reinstate: At any time before the sale, you have the right to stop the foreclosure by paying the full amount of your missed payments, plus any accumulated fees and costs.
• Protection from Deficiency Judgments: If your home sells for less than you owe, the lender generally cannot sue you for the remaining balance.
• Post-Sale Occupancy: If your home is sold, you are typically allowed to remain in the property for 10 days after the sale before eviction proceedings can begin.

Key Resources for Foreclosure Prevention

Several organizations in Montana specialize in providing free assistance to homeowners at risk of foreclosure.

• NeighborWorks Montana: This non-profit network is the state's primary provider of free, certified foreclosure prevention counseling.
• Montana Legal Services Association (MLSA): If you are a low-income homeowner, MLSA may be able to provide free legal advice and representation.
• Homeowner's HOPE Hotline: This national, toll-free hotline (1-888-995-HOPE) can connect you 24/7 with a HUD-approved counselor.

Federal Mortgage and Housing Support Programs

Beyond state-level initiatives, several long-standing federal programs offer assistance to specific populations of homeowners.

• USDA Rural Development Programs: The U.S. Department of Agriculture offers programs specifically for homeowners in designated rural areas.
• Section 502 Direct Home Loans: This program assists low- and very-low-income households by providing a payment subsidy that reduces their monthly mortgage payment.
• Section 504 Home Repair Program: This provides loans of up to $40,000 to repair or improve homes and grants of up to $10,000 for homeowners age 62 or older to remove health and safety hazards.
• VA Home Loan Assistance: For veterans and active-duty service members with a VA-backed loan, the Department of Veterans Affairs offers its own set of foreclosure avoidance options. Contact the VA directly for guidance.
• HUD Programs and Resources: The U.S. Department of Housing and Urban Development oversees a wide range of housing programs, including its critical nationwide network of housing counseling agencies.

Other State-Level Financial Relief

Montana offers additional programs that can provide financial relief, which can indirectly help with mortgage affordability.

Montana Property Tax Rebate Program

Separate from the HAF program, the Montana Department of Revenue administers a property tax rebate program. Eligibility requires that you owned and resided in your Montana property for at least seven months during the tax year. The rebate amount and qualifications can change based on legislative action. 

The application window is typically from August 15 to October 1 each year. Applications are filed directly through the Department of Revenue's website.

Reverse Annuity Mortgage (RAM) Loans for Seniors

This unique program from the Montana Board of Housing is designed to help seniors "age in place". It is available to Montana homeowners who are 68 years of age or older and meet certain low-income limits. A RAM loan allows a senior to borrow against their home's equity.

Instead of making payments, the homeowner receives a monthly, tax-free payment from the loan. The loan is repaid only when the borrower sells the home, moves, or passes away. This provides a crucial source of supplemental income for seniors on a fixed budget.

Essential Support Services for Montana Homeowners

Successfully navigating mortgage hardship requires more than just financial aid; it requires expert guidance and advocacy. The path to resolution is not just a financial one, but also a procedural and legal one.

While programs like HAF address the immediate need for funds, the support services detailed below address the equally critical needs for procedural guidance and legal protection. A comprehensive solution involves leveraging all three pillars of support.

Finding a HUD-Approved Housing Counselor: Your Most Important Ally

A housing counselor is a free, impartial expert whose only goal is to help you achieve the best possible outcome. Their role goes far beyond simply pointing you to a program.

A counselor will:

• Conduct a thorough review of your finances.
• Develop a detailed action plan tailored to your circumstances.
• Explain the pros and cons of every option.
• Help you prepare and submit complex application paperwork.
• Communicate directly with your mortgage servicer to advocate on your behalf.

To find a certified housing counselor in Montana, use the official search tools provided by HUD or the Consumer Financial Protection Bureau (CFPB). Key agencies include the statewide network coordinated by

NeighborWorks Montana, as well as regional organizations like Rural Dynamics, Inc. and various Human Resources Development Councils (HRDCs).

Montana Legal Services Association (MLSA): Accessing Free Legal Help

When facing foreclosure, you are entering a legal process with strict rules and deadlines. The Montana Legal Services Association (MLSA) is a critical resource that provides free civil legal assistance to eligible low-income Montanans.

An attorney from MLSA can help by:

• Reviewing your loan documents and foreclosure notices to ensure your lender is following all laws.
• Representing you in communications with your lender's legal department.
• Advising you on legal options, such as filing for bankruptcy, which can temporarily halt a foreclosure.
• Defending you in an eviction proceeding if your home has already been sold.

To see if you qualify for free legal assistance, contact the MLSA Helpline at 1-800-666-6899 or apply online through their self-help portal, MontanaLawHelp.org.

Local Support Through Community Action Agencies (HRDCs)

Montana is served by a network of 10 regional Community Action Agencies, known as Human Resource Development Councils (HRDCs). These agencies are local hubs for a wide array of anti-poverty programs and are often the first point of contact for families in crisis.

Your local HRDC may be able to provide or connect you with:

• Energy Assistance: The Low Income Home Energy Assistance Program (LIHEAP) can help with heating bills.
• Emergency Services: Some HRDCs offer emergency assistance for housing-related costs.
• Other Support Programs: They can connect you with other vital services, such as food assistance (SNAP) or Temporary Assistance for Needy Families (TANF).

These agencies are deeply embedded in their local communities and can provide crucial on-the-ground support that complements more specific mortgage-related assistance.

Frequently Asked Questions (FAQ)

Will HAF assistance pay off my entire mortgage? No. The HAF Mortgage Reinstatement Program is designed to bring a delinquent mortgage account current. It provides a maximum of $50,000 to cover past-due payments but will not pay off the entire principal balance of your loan.

Do I have to pay back HAF funds? No. The assistance provided through the Montana HAF program is a grant and does not need to be repaid.

What happens if my HAF application is denied? Your HUD-approved housing counselor can help you review the denial notice and determine the next steps. You may be able to appeal the decision or pivot to an alternative program that may be a better fit.

Can I get help if my hardship is not related to COVID-19? Yes. While HAF is specific to the pandemic, many other programs are not. The USDA Section 504 Home Repair Program, the state's Reverse Annuity Mortgage (RAM) loan for seniors, and the annual Montana Property Tax Rebate are available to eligible homeowners regardless of the cause of hardship.

How do I avoid foreclosure prevention scams? Be wary of any person or company that asks for a large upfront fee to help you. Legitimate help from HUD-approved housing counseling agencies is free. Never sign documents you don't understand, and always maintain direct contact with your lender and your housing counselor.

Can I get HAF help for a rental property I own? No. HAF funds and most other homeowner assistance programs are strictly limited to a homeowner's primary residence.

I'm a renter. Is there any help for me? Yes. The primary program for renters is the Montana Emergency Rental Assistance Program. You can find more information through the Montana Department of Commerce or by contacting your local HRDC.

Conclusion: Your Path Forward

Navigating the threat of mortgage delinquency and foreclosure is a daunting journey, but it is one you do not have to take alone. The state of Montana, in partnership with federal and non-profit organizations, has established a multi-layered support system to provide financial relief, expert guidance, and legal protection.

The key to a successful outcome is proactive engagement. The moment you anticipate difficulty making payments, your path forward begins with two powerful actions: contacting your lender and connecting with a free, HUD-approved housing counselor. These steps open the door to a wide range of solutions.

Seeking help is not a sign of failure; it is a sign of strength and a crucial step toward regaining financial stability. By using the resources outlined here, you can take control of your situation, understand your rights, and work toward the goal that matters most: remaining securely in your home.

Consolidated Contact List

• Montana Department of Commerce / Board of Housing (HAF Program)
• Website: housing.mt.gov
• Phone: (406) 841-2840
• HUD-Approved Housing Counselor Locator
• Online Search: www.hud.gov/findacounselor
• Toll-Free Hotline: (800) 569-4287
• NeighborWorks Montana
• Website: www.nwmt.org
• Phone: (866) 587-2244
• Montana Legal Services Association (MLSA)
• Website: www.montanalawhelp.org
• Toll-Free Helpline: (800) 666-6899
• USDA Rural Development (Montana State Office)
• Website: www.rd.usda.gov/mt
• (Check website for local office contact information)
• Montana Department of Revenue (Property Tax Rebate)
• Website: MTRevenue.gov
• Phone: (406) 444-6900

Frequently Asked Questions

Facing financial hardship can be one of the most stressful experiences for a homeowner. The fear of losing your home can feel overwhelming, especially when you are struggling with mortgage payments. It is crucial to know that resources are available to help you stabilize your situation and avoid foreclosure.

While the primary Missouri mortgage relief program from the COVID-19 pandemic has concluded, a strong support network still exists. This network provides expert guidance, financial options, and a sustainable path forward. Understanding these resources is the first step toward regaining control and preserving your homeownership.

The Missouri State Assistance for Housing Relief (SAFHR) Program: A Look Back

To understand the current landscape of mortgage assistance, it is important to first address the program that many Missourians remember: the State Assistance for Housing Relief (SAFHR) for Homeowners. This program was a significant, but temporary, source of aid.

The Federal Initiative Behind the Relief

The SAFHR program was Missouri's implementation of the national Homeowner Assistance Fund (HAF). Established by the American Rescue Plan Act of 2021, the HAF allocated nearly $10 billion to states to help homeowners who experienced financial hardship due to the COVID-19 pandemic. The U.S. Department of the Treasury oversaw the fund, which was designed to prevent mortgage delinquencies, defaults, and foreclosures.

How SAFHR Assisted Missouri Homeowners

Missouri received approximately $138 million from the federal HAF to create the SAFHR for Homeowners program. Managed by the Missouri Housing Development Commission (MHDC), this program provided direct financial assistance to eligible homeowners. The aid was a grant that did not need to be repaid and was sent directly to the mortgage servicer.

The program offered two primary forms of assistance, with a maximum benefit of up to $50,000 per household:

• Mortgage Reinstatement: This was the core of the program, designed to cure delinquent mortgage payments. Funds could be used to cover past-due payments, amounts in active forbearance, and other deferred balances to bring an account current.
• Monthly Mortgage Assistance: For homeowners still facing hardship, the program could provide up to three months of forward mortgage payments.

To qualify, homeowners had to demonstrate a pandemic-related financial hardship after January 21, 2020. Their household income had to be at or below 150% of the area median income (AMI), and the property had to be their primary residence in Missouri.

Important Update: The Current Status of the SAFHR Program

The SAFHR program was a critical but temporary emergency measure. The Missouri SAFHR for Homeowners program is no longer accepting applications. The program has officially closed because the federal funds have been fully expended. The related SAFHR program for rental assistance has also ended, marking the conclusion of this chapter of pandemic-related housing aid.

Your Immediate Action Plan: Two Critical First Steps

When facing a potential mortgage delinquency, time is of the essence. Proactive communication and expert guidance are your most powerful tools. Taking the following two steps immediately can dramatically improve your chances of finding a positive resolution.

Step One: Contact Your Mortgage Servicer Immediately

Your first and most important action is to contact your mortgage lender or servicer as soon as you anticipate trouble making a payment. Lenders are often more willing to work with borrowers who communicate early and honestly. They generally prefer to avoid foreclosure, which is a costly process for them as well.

Do not ignore letters or phone calls from your lender, as they contain vital information and legal deadlines. When you speak with your servicer, be prepared to explain your situation and ask about loss mitigation options, which may include:

• Forbearance: A temporary pause or reduction in your mortgage payments.
• Loan Modification: A permanent change to your loan terms to make payments more affordable.
• Repayment Plan: An agreement to catch up on past-due amounts over time.

Step Two: Engage a Free, HUD-Approved Housing Counselor

After contacting your lender, your next call should be to a HUD-approved housing counseling agency. This is a valuable and underutilized resource for struggling homeowners. The U.S. Department of Housing and Urban Development (HUD) funds these non-profit agencies to provide free or low-cost expert advice.  

A certified housing counselor is a financial professional who can:

• Objectively review your financial situation.
• Explain all your foreclosure prevention options.
• Help you gather the necessary documents for assistance.
• Negotiate directly with your mortgage servicer on your behalf.

These counselors work for you, not the lender. Their goal is to help you find the best possible outcome for your situation.

A Deep Dive into Missouri's Foreclosure Prevention Network

Beyond the two critical first steps, Missouri has a robust network of organizations dedicated to preserving homeownership. Understanding these resources can provide you with the specialized support you need.

The Role and Services of a Housing Counselor

HUD-approved housing counselors provide comprehensive services tailored to your specific needs. They are trained experts in navigating the complexities of the mortgage industry and federal housing regulations.

Their primary services for homeowners at risk of foreclosure include:

• Mortgage Delinquency and Default Resolution Counseling: A counselor will work with you and your lender to find a solution to cure your delinquency.
• Financial Management and Budget Counseling: Counselors can help you create a detailed household budget and prioritize your mortgage payment.
• Program Navigation: They are knowledgeable about various federal programs and can help determine your eligibility.

Finding a HUD-Approved Housing Counseling Agency in Missouri

Locating a certified housing counselor is straightforward. HUD provides an online search tool and a toll-free hotline to connect you with an agency in your area. To simplify this process, here is a list of prominent HUD-approved agencies serving various regions of Missouri.

Legal Assistance for Complex Situations

In some cases, financial counseling alone may not be enough. If your situation involves potential fraud, predatory lending, or significant legal errors, you may need legal assistance. Bankruptcy can also be a viable option to stop foreclosure.

Missouri has four non-profit legal aid programs that provide free legal services to low-income individuals. These organizations can represent homeowners in court, challenge improper foreclosures, and file Chapter 13 bankruptcies to create a repayment plan. The programs are:

• Legal Aid of Western Missouri
• Legal Services of Eastern Missouri
• Legal Services of Southern Missouri
• Mid-Missouri Legal Services

Additional Financial Support for Missouri Homeowners

While there are no current state programs that directly pay your mortgage, other forms of assistance can improve your overall financial stability. Reducing other major household expenses can free up funds to help you afford your mortgage payment.

Home Repair Assistance to Prevent Financial Shocks

A sudden, costly home repair can easily derail a tight budget and lead to a missed mortgage payment. Two programs in Missouri are designed to help homeowners manage these expenses.

• USDA Section 504 Home Repair Program: This federal program provides loans up to $40,000 and grants up to $10,000 to very-low-income homeowners in eligible rural areas. The funds are for removing health and safety hazards. You can check your property's eligibility on the USDA website.
• Missouri's Home Repair Opportunity (HeRO) Program: Administered by MHDC, the HeRO program provides grants to income-qualifying homeowners for necessary home repairs. To apply, homeowners must contact one of the participating local non-profit agencies that administer the program.

Reducing Household Costs with Utility Assistance

High energy bills can strain any household budget. The Low Income Home Energy Assistance Program (LIHEAP) is a federally funded program that helps low-income households pay for heating and cooling costs. This assistance can make a significant difference in your monthly cash flow and is often accessed through local Community Action Agencies.

Warning: How to Identify and Avoid Mortgage Relief Scams

Financial distress can attract predatory companies that seek to profit from a homeowner's desperation. It is vital to recognize the warning signs of a mortgage relief scam.

Be extremely wary of any person or company that:

• Asks for a fee in advance. Legitimate, HUD-approved counseling is free.
• Guarantees to stop a foreclosure. No one can guarantee this outcome.
• Tells you to stop paying your mortgage servicer. Only do this with a formal, written agreement from your lender.
• Instructs you to make mortgage payments directly to them.
• Pressures you to sign paperwork you don't understand.

If you encounter these tactics, report the company to the Missouri Attorney General's Office. Remember, the best help available from HUD-approved counselors is free.

Your Path Forward: Taking Control of Your Situation

Navigating the threat of foreclosure is a difficult journey, but you do not have to face it alone. Although the large-scale Missouri State Assistance for Housing Relief (SAFHR) program has ended, a dedicated and effective support system remains. The key to a successful outcome is taking prompt, informed action.

By focusing on the two most critical steps—contacting your mortgage servicer and engaging a free, HUD-approved housing counselor—you can open the door to viable solutions. These experts provide the guidance and advocacy needed to explore all available options. Taking these proactive steps is the most powerful way to protect your home and work toward a more secure financial future.

Frequently Asked Questions

Accessing free fast food when experiencing homelessness involves connecting with specific government programs and non-profit networks. While restaurants rarely provide direct handouts for safety and logistical reasons, there are established and dignified ways to get hot, prepared meals.

The most effective methods are through programs like the Supplemental Nutrition Assistance Program (SNAP) Restaurant Meals Program. Additionally, many major food chains donate surplus food through partnerships with local food banks and charities. These community organizations are a vital resource for obtaining meals.

Use SNAP Benefits for Hot Meals Through the Restaurant Meals Program (RMP)

The most direct way to get meals from fast-food restaurants is through the federal Restaurant Meals Program (RMP). This program is a state-level option within the Supplemental Nutrition Assistance Program (SNAP), formerly known as food stamps.

What is the Restaurant Meals Program?

The RMP is specifically designed for SNAP recipients who may not have a place to store and cook food, a common challenge for those experiencing homelessness. It allows eligible individuals to use their Electronic Benefit Transfer (EBT) card to buy prepared meals at authorized restaurants, including many popular fast-food chains.

An EBT card functions like a debit card. For RMP participants, the card is specially coded by the state to be accepted at participating restaurants. If a person is not eligible for the RMP, their card will be declined at these locations.

Who is Eligible for the RMP?

To participate, an individual must first be enrolled in SNAP. Eligibility for the RMP is typically automatic if all members of the SNAP household meet one or more of the following criteria:

• Experiencing homelessness: Lacking a fixed or regular nighttime residence.
• Elderly: Age 60 or older (and their spouses).
• Disabled: Receiving government disability payments for a permanent disability (and their spouses).

Because the RMP is a state-run option, not all states participate. However, in states that have adopted it, the program provides a crucial and dignified way to access hot meals.

How to Apply for SNAP and Access the RMP

The first step is to apply for SNAP benefits in your state of residence. If you live in a participating state and meet the RMP criteria, your eligibility is usually updated automatically once you are approved for SNAP. A separate application for the RMP is generally not required.

The SNAP application process varies by state but can typically be completed online, by mail, or in person at a local social services office. The table below provides direct links to official SNAP application portals for states with a Restaurant Meals Program.

How Major Fast Food Chains Donate Surplus Food

Asking a restaurant directly for free food at the end of the day is rarely effective. Due to liability, food safety, and logistical reasons, major chains do not give unsold food directly to individuals. Instead, they have established large-scale corporate programs to donate surplus food to non-profit organizations.

This system is a business-to-non-profit network. Restaurants partner with hunger-relief organizations that have the infrastructure for safe food handling and distribution. Therefore, the best way to access these donations is to connect with local non-profits, not restaurant staff.

Starbucks Food Share Program

Starbucks launched its Food Share program in 2016 with Feeding America, the nation's largest hunger-relief organization. The program rescues 100% of unsold, donatable food from its U.S. stores. Each day, refrigerated vans collect surplus items like salads and sandwiches for delivery to the Feeding America network of food banks and partner agencies.

Since its start, the program has provided millions of meals. To access this food, connect with your local Feeding America-affiliated food bank, which can direct you to pantries and meal sites that receive Starbucks donations.

Panera Bread Day-End Dough-Nation® Program

Panera Bread's Day-End Dough-Nation® program is a long-standing initiative. At the end of each day, bakery-cafes package unsold bread, bagels, and pastries for local non-profits. These partners include homeless shelters, food pantries, and soup kitchens. To receive these items, find and visit local shelters and pantries that partner with a nearby Panera Bread.

Chick-fil-A Shared Table® Program

Over 2,500 Chick-fil-A restaurants participate in the Chick-fil-A Shared Table® program, donating surplus food to local charities. At day's end, team members package extra items like biscuits and nuggets. The program partners with Food Donation Connection to link restaurants with non-profits like food banks and senior centers, which then use the food to create new meals.

Yum! Brands Harvest Program (KFC, Pizza Hut, Taco Bell)

Yum! Brands, parent company of KFC, Pizza Hut, and Taco Bell, runs one of the world's largest prepared-food donation programs, called Harvest. Started in 1992, the program donates safe, surplus food to hunger-relief organizations. In partnership with Food Donation Connection, restaurants freeze and store unsold food for pickup by local non-profits. The program has donated hundreds of millions of pounds of food, reducing waste while feeding people.

Other Chains and Foundations

Some chains support communities through charitable foundations rather than direct food donation programs.

• McDonald's: The Ronald McDonald House Charities (RMHC) is McDonald's primary charity, focusing on support for families with sick children. There is no national surplus food donation program.
• Burger King: The Burger King Foundation focuses on student scholarships and emergency relief for employees. Food donation decisions are made at the local franchise level.
• Taco Bell: The Taco Bell Foundation empowers youth through scholarships and educational grants, funded largely by the "Round Up" program.

Immediate Help: Finding a Hot Meal Right Now

For those in urgent need of food, several resources offer immediate, local assistance. In a crisis, the best strategy is to connect with services that have real-time information about available meal programs.

Call 2-1-1 for Essential Community Services

The most critical first step is to dial 2-1-1. This free, confidential, 24/7 phone service connects callers with professionals who provide referrals to local health and human services. Operators can direct you to the nearest open soup kitchens, meal programs, food pantries, and emergency shelters.

USDA National Hunger Hotline

The USDA National Hunger Hotline helps people connect with emergency food providers in their community.

• Call 1-866-3-HUNGRY (1-866-348-6479)
• Call 1-877-8-HAMBRE (1-877-842-6273) for Spanish The hotline operates Monday through Friday and can help you find meal sites and food pantries.

Feeding America Food Bank Network

Feeding America is a nationwide network of over 200 food banks and 60,000 food pantries and meal programs. It is the primary distribution channel for corporate donations from companies like Starbucks. Use the online food bank locator on the Feeding America website to find nearby food banks and partner agencies by entering your zip code.

Local Soup Kitchens, Shelters, and Mobile Programs

Local non-profits, religious organizations, and community groups provide daily hot meals with no eligibility requirements.

• Mobile Soup Kitchens: Programs like New York City's Grand Central Food Program use vans to deliver hundreds of meals directly to people on the streets every night.
• Soup Kitchens and Meal Sites: Organizations like The Salvation Army and Catholic Charities run soup kitchens that serve free meals daily.
• Emergency Shelters: Many homeless shelters provide meals for residents and sometimes for non-residents through community meal services.

Using Mobile Apps to Access Free and Low-Cost Surplus Food

For those with a smartphone, several apps combat food waste by connecting people with surplus food. It is important to distinguish between apps that offer free food and those that offer it at a low cost.

OLIO (Free Food Sharing)

OLIO is a community-based sharing app where users give away surplus food and other items for free. Volunteers known as "Food Waste Heroes" also collect unsold food from local businesses and list it on the app for anyone to pick up.

• How it works: Browse local listings, request an item, and arrange a pickup.
• Cost: All food on OLIO is completely free.

Too Good To Go (Low-Cost Surplus Food)

Too Good To Go operates on a low-cost model. The app partners with restaurants and stores to sell their surplus food at a significant discount.

• How it works: Purchase a "Surprise Bag" through the app and collect it from the store during a specified time.
• Cost: This app requires payment. Prices typically start around $3 to $5, making it a good way to save money but not a free option.

Restaurant Loyalty Apps (Free Sign-Up Items)

Many fast-food chains offer a free item for joining their loyalty program. While not a sustainable daily source, it can provide a one-time free meal or snack.

• Burger King: The Royal Perks program often provides new members with a free sandwich with a minimum purchase.
• McDonald's: The app frequently offers free large fries with a first-time app order.
• Krispy Kreme: Signing up for rewards typically yields a free doughnut.
• Raising Cane's: Joining the "Caniac Club" results in a coupon for a free Box Combo meal.
• White Castle: The Craver Nation app often gives new members a free combo meal.

Other Resources for Food and Meal Vouchers

There are no large-scale, national fast-food voucher programs that individuals can apply for directly. Food assistance is typically provided as a direct benefit (like SNAP), prepared meals, or groceries.

The Reality of Vouchers and Gift Cards

Distributing fast-food gift cards is not a common practice for most large non-profits. However, some local organizations may provide them as emergency aid.

• Local Charities and Churches: Smaller, community-based organizations like local churches, The Salvation Army, or United Way sometimes have gift cards or discretionary funds for clients in an emergency. Contact these organizations at the local level to inquire.
• Emergency Food and Shelter Program (EFSP): This federal program allocates funds to local non-profits for emergency food and shelter, typically in the form of served meals or groceries, not vouchers.

The Emergency Food Assistance Program (TEFAP)

TEFAP is a federal USDA program that provides American-grown foods to states at no cost. States distribute these foods to local organizations like food banks, which then supply soup kitchens and food pantries. An individual receives TEFAP food by visiting a participating local pantry or meal program, reinforcing the importance of connecting with local community partners.

Frequently Asked Questions