How to Get Help Paying Your Rent and Mortgage (2024)

In life, there are some basic human needs and shelter is definitely one of them. Nothing is scarier in the land of finances than coming to terms with the fact that you are struggling to pay for the roof over your head. This can be even scarier when you have kids or people who depend on you. The truth is, with the economy the way it has been, this is a reality for many people in recent years. Although it is comforting to know that it’s not just you, when it is happening to you, you may not know where to turn. Here are some tips on How to Get Help Paying Your Rent or Mortgage if you find yourself in need.

How to Get Help Paying Your Rent or Mortgage

Ask for short term help.Many agencies help with short term help such as paying for a partial rent payment or for one month. That’s it for a period of 6 months to a year, depending on the charity. Do a Google search to find short term help with paying rent for the options in your area.

Check with your state aid office.If you are very low income, you may qualify for a one time a year grant from your state to pay for your rent or mortgage. These are typically only offered to those that are able to prove they can be self-sufficient soon (such as you are starting a job soon, but unable to pay this month’s rent) and those that are very low income. They can also be a great help if you are facing losing your home or apartment. These loans are not available in every state, but generally you can find out of they are offered by calling your local SNAP office.

Ask about re-financing your loan.If you have a mortgage and you are in danger of losing your home but not in foreclosure yet, find out about refinancing your loan. There are often options for this if you have decent credit and a good history of making payments on time. Refinancing can be a great way to lower your mortgage cost per month and make it more affordable. Do your research first to find out if you qualify or that the lender is reputable. There are many predatory lenders out there for refinancing, so be sure to check around.

Call local churches.Churches can often help with short term emergencies to keep you in your home. Often, they won’t have the finances to cover entire rent or mortgage amounts, but they can help with a couple hundred dollars if you are just a little bit short. This is not a long term solution, but it can be a good one to look at if you are in a temporary financial bind.

Check with First Call for Help or 211.Nearly every county has First Call for Help or 211. You can reach it from any landline or cell phone by just dialing 2-1-1. This is a country run call center that can connect you with charities and community resources that can help your unique situation. Sometimes, they have access to funds as well.

Apply for Section 8. Section 8 is a blessing for many people to be able to get and keep housing. If you are in a long term financial crisis due to injury or illness or other circ*mstance, this can be a great help. Be aware that the waiting list is often very long to get a voucher for help, so be prepared to wait several months to years.

More Ways to Find Help with Basic Needs:

How to Stretch Your Food Stamp (SNAP) and WIC Budget

How to Eat Healthy on Food Stamps

How to Get Help with Personal Hygiene Products

How to Find Free Clothing Assistance

Where to Find Free Food When You’re Broke