Mortgage

Financial Assistance
3/25/07 HOPE Coalition America, a division of Operation HOPE, Inc. HOPE COALITION AMERICA
MISSISSIPPI HOMEOWNER ASSISTANCE SERVICES

The following free services are available to you:
• Recovery Budgeting and the Use of Grant Funds
• Identifying Repairs and Desired Improvements
• Selecting a Qualified Building Contractor
• Grant, Existing Loan and New Loan Processes
• Monitoring the Process and Paying the Contractor
• Avoiding Legal Problems and Preventing Fraud
HCA, the disaster recovery division of Operation HOPE, has contracted with the Mississippi Development Authority to assist individuals and families through the challenging task of repairing or rebuilding homes after disasters.
If you have received a grant approval letter from the
Mississippi Development Authority and would like our
guidance and assistance:
• Call 888-388-HOPE (4673) to receive more information and our assistance.
Operation HOPE is a national 501(c)3 non-profit corporation that has provided services for fifteen years.
Website: www.operationhope.org E-Mail: hopecoalition@operationhope.org

Mortgage Assistance
Ameridream From Karen
18310 Montgomery Village Avenue Third Floor
Gaithersburg, MD 20879
Phone: 1-866-263-7437
Services: Provides a variety of services designed to help first time and low- to moderate income buyers buy and keep their homes.

1-877-634-3642Nehemia Corp - Grant program (from Marlene)

Ginnie Mae Information

American Dream Downpayment Assistance

Positive Alternatives Down Payment Gift Program
Family Grants, LLC, is the administrator of the Positive Alternatives Down Payment Gift Program. Positive Alternatives is a non-profit 501(c)(3) charitable organization. Its tax ID # is 87-0501592.The Gifts Do Not Have To Be Repaid! Questions regarding The Family Grants Gift Program should be directed to the Administrator's office at:Family Grants, LLC
28740 US Hwy 98 Suite 14
Daphne, Alabama 36526
Phone: 251-625-8666
E-mail: info@familygrants.com

12/9 Housing Action Resource Trust (HART) is a California 501(c) (3)assists prospective homebuyers nationally who qualify for a first mortgage loan, but require the down payment and closing costs necessary to purchase a home.

Mortgage Payment Assistance (800) 750-8956
For families falling behind on mortgage payments, this national agency will work with your client’s mortgage company to arrange a workout plan to catch up missed payments. Housing counselors will discuss all options available to avoid foreclosures. Agency does not make loans or buy property.

MS Fraud Investigators
To learn more about the Hurricane fraud unit, or to file a complaint call 1-800-956-1846.
http://www.osa.state.ms.us/katrina-inv.htm

Insurance Mediation (MS only)MS Home Corp (601) 718-4636.

Mortgage giant Freddie Mac said that $40 million is being made available in low cost mortgages to Mississippi hurricane victims. Freddie Mac is the second-largest U.S. buyer and guarantor of home mortgages.

USDA Rural Assistance Grants
Homeowners 62 years and older are eligible for home improvement grants. Other low income families and individuals receive loans at a 1% interest rate directly from HCFP

USDA Home Repair Loan Program

Also USDA For Other Homeowner Grants USDA RHS also has a Centralized Service Center with a toll free number at 1-800-414-1226.

New HUD Program(from Marlene)HUD has announced a new program to assist families displaced from their homes by recent disasters. Under the Mortgage Assistance Initiative, HUD will make mortgage payments for up to one year for disaster victims who have FHA-insured mortgages and want to start living in their homes again.
For more information about this and other post-Katrina initiatives, please see our updated Hurricane Katrina fact sheet.

Also From HUD for MS:

HUD Disaster Voucher Program (section 8 stuff)Disaster Voucher Program (DVP) HUD and FEMA have established the Disaster Voucher Program (DVP) to assist HUD-assisted families who have been displaced by hurricanes Katrina and Rita. Persons must be registered with FEMA in order to receive the assistance.
To be eligible a person must be in one of the following categories:
A displaced public housing resident
A displaced Section 8 Housing Choice Voucher participan
A displaced person from another HUD assisted program such as Project-based Section 8
A pre-Katrina homeless person in a HUD homeless program

HUD will provide housing assistance up to 18 months for eligible persons. HUD will also provide housing search assistance including transportation and temporary shelter while searching for housing.
Eligible persons may go to any housing authority that has a Section 8 Housing Choice Voucher Program to sign up for this assistance.(The Housing Authority of New Orleans has opened an office in New Orleans to assist eligible persons who are in the area. Eligible persons must have their FEMA registration number when applying for the assistance.)

3/12 Fannie Mae
Go to their website: http://www.katrinaaidtoday.org/ to find the agency nearest you working with Fannie Mae and this program.
Individuals and families who remain in a transitional mode - FANNIE MAE continues to offer 18 months free housing for qualified Katrina and Rita survivors.
Fannie Mae Housing Program for Katrina and Rita Evacuees Clients who have registered with FEMA and have an income that would cover monthly utilities and that do not have any criminal history are eligible for the Fannie Mae program which provides a foreclosed Fannie Mae home for the client for 18 months rent free. Clients may have the option to buy at the end of the rental period. This program often takes 1-2 months to process through and thus is not a solution for people at risk of homelessness in the immediate future. Families with children take priority for this program.

Salvation Army Homeownership Grants- As a key piece of the plan, the Army, in partnership with Habitat for Humanity, will provide homeownership assistance grants to survivors throughout Louisiana and Mississippi for the purchase of new Habitat homes.
Slidell, LA – (985) 781-3580
Biloxi, MS - (228) 435-4893
Gulfport, MS - (228) 822-2281(Tuesday and Thursdays – for appointments)
Pass Christian, MS - (228) 452-2121
Pascagoula, MS – (228) 475-4421

MS Home Grants
1.866.369.6302
(601) 359-3449
With the new grant amounts, MDA will be accepting new appointments from homeowners who did not previously apply for the Katrina Homeowner Grant because of previous award limits. Please note that Katrina Grants do not impact federal or state benefits being paid, such as veteran’s benefits or disability payments. MDA urges all eligible citizens to apply.
The agency is finalizing details of the Public Housing Assistance Program, which will provide $100 million to the Mississippi Gulf Coast Housing Authorities in Jackson, Hancock and Harrison
Rebuilding Together
This national organization assists people in rebuilding after disaster as well as low income, disabled and others remodel or refurbish their homes when they have few other choices. Very good organization!

Relief Now Network
A newer non-profit that acts as a clearing house of information to assist areas in getting other organizations to help in their recovery efforts. I'm not certain of how effective they are, but it can't hurt to check them out.

Housing Searches

3/12 FEMA Housing Portal
https://rims.fema.gov/hportal/home.htm
Housing Portal consolidates rental resources for evacuees identified by federal agencies, private organizations, and individuals. This site is updated continuously, so check back often for the most current information!

Find/Rent/Sell - From Citizen Action Team
Socialserve.com
Phone: 704.334.8722
Email: info@socialserve.com
Nationwide??IMPORTANT NOTICE: Socialserve.com handles the property listings for LA Housing Search. Socialserve.com staff will help you list and update your property information. PLEASE accept emails and/or phone calls from Socialserve.com on behalf of the www.lahousingsearch.org site. Thank you! LA Housing Search

LA Housing Search
Search for housing through our new statewide service. If you have properties available, register them today. Looking for housing? We expect to have the search active shortly so check or contact us for more information.

MS Housing Search
Mississippi Home Corporation, the Mississippi Development Authority, the City of Jackson and the Mississippi Association of Housing and Redevelopment Officials offer this web site in partnership with Socialserve.com. Our purpose is to provide information on the availability of affordable rental housing throughout the State in a user friendly environment. The partners do not screen postings to this site and do not screen landlords and/or prospective tenants using this site.

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