There are many organizations that can help with housing needs such as rent, mortgage, utilities, and security deposits. The Adams County Housing Authority manages several projects that help low-income families who are at risk of becoming homeless. If someone does not qualify for assistance, referrals may be offered to other non-profit agencies or federal government resources, such as section 8 housing vouchers.
If you’re at risk of becoming homeless due to not being able to pay rent or your mortgage, there are options available to you. The General Rent/Mortgage Assistance Program provides financial assistance to help with rent or mortgage payments. The government is only giving out a certain amount of money to help people with their mortgages, and this money is only meant to stop evictions or foreclosures from happening. There are restrictions on how this money can be used.
The client must demonstrate that the issues causing the delinquency are beyond their control, and that they have exhausted all other sources of financial assistance before they are eligible for this program. This program is for Adams County residents who have lived in their housing unit for at least six months. Applicants are required to have a current source of income, as well as a budget and a plan that demonstrates they will be able to meet future financial obligations.
There may be grants available from programs designed to help with rent and utility bills. A client may be provided with a loan to help cover the cost of their housing, such as rent. This means that, in addition to helping people find housing, the Adams County Housing Authority also helps to solve problems between tenants and landlords, or between applicants and utility companies. They also provide education on managing money and paying off debt. This is all held together by continuous counseling and case management services.
The ACHA’s Foreclosure Intervention program helps homeowners who are at risk of losing their homes. This program is available for all types of mortgages, including VA, conventional, FHA and sub-prime. The program not only provides mediation services, but also helps with money management skills and techniques. Housing counselors help people with their budgets, negotiating skills, and refinancing their current mortgages.
There is government housing available in Adams County. The Housing Authority is responsible for managing dozens of low income, one-bedroom apartments at Casa Redonda de Vigil, which is located in unincorporated Adams County. The program is for adults who are 62 years of age or older or disabled.
The county has a Rent Subsidy program that lowers monthly rent payments to 30 percent of adjusted gross monthly income for eligible individuals. Tenants sign a lease for a regular dwelling, with their portion of the rent paid directly to ACHA.
The Adams County Housing Authority helps people with housing vouchers from the federal government. The Section 8 program provides housing vouchers to very low-income families, the elderly and disabled to help them afford private market housing that meets certain safety and sanitation standards.
Although there is a waiting list, participants can still pick from different types of housing, like townhouses, single-family homes, and low income apartments. The voucher generally provides a certain amount of time for the client to find a new place to live, usually up to 60 days. If you have a voucher that pays for your rent, you are responsible for finding a new place to live, which could be your current residence. The voucher usually gives you a certain amount of time to find a new place to live, usually up to 60 days.
The apartments or rental units must meet minimum standards of health and safety, as determined by ACHA. The family’s chosen landlord will receive housing subsidies or cash grants on their behalf from the Housing Authority. The individual pays the rent that the landlord charges, and the program pays the difference between that and the amount subsidized by the program.
To receive financial assistance, families who are subsidized need to work toward being economically self-sufficient. After that goal is achieved, and assistance is no longer necessary, the vouchers become available for the next resident of the county.
ACHA’s Housing Counseling Program provides clients with access to HUD certified counselors. These counselors work with clients to help them understand and resolve any issues they are facing. The counselors also help clients with understanding the responsibilities that go along with being a homeowner or tenant by providing information, referrals and education.
The Housing Counseling Program also provides a number of informational workshops on various topics for participants. The Foreclosure Prevention Workshop provides education on how to resolve default, Colorado’s timeline for foreclosure filings, home disposition strategies, and communicating with banks or lenders.
Colorado Housing and Finance Authority offers a Home Ownership Workshop to help people learn about and understand the process of buying a home. This website provides important information about different aspects of buying a home. The purpose of these free sessions is to help potential home-buyers to figure out if buying a home is the right decision for them. There are also programs designed specifically for first-time homebuyers. This workshop will provide attendees with tips on how to choose a realtor and lender, and how to best protect their investment.
The Family Self-Sufficiency Program helps families who are working but still need public assistance to become independent of those programs. This is done by working with local businesses, welfare agencies, schools, and other partners to help families and make personalized employment, savings, and development plans.
The Adams County Housing Authority may provide financial assistance to help with rent, mortgage payments, and/or utility bills. The homeless may receive a government grant to help them pay for a portion of their deposit. Counseling from a specialist in the ACHA Housing Counseling Department is included for all program participants. This counseling will help participants with anything they need regarding housing.
The process starts with an interview from a specialist. This session is to determine the needs of the household, how any default originated, what barriers may be in place to prevent the household from meeting financial obligations in the future.
After the session, the counselor from the housing authority help the clients to make a budget that is suitable for them. They will also help the clients by talking to utility companies, landlords, or mortgage lenders on their behalf. Other agencies are available for people who do not meet the requirements for the FSS program.
The Adams County Housing Authority is located at 7190 Colorado Blvd., 6th Floor, Commerce City, Colorado 80022. To get information, dial 303-227-2075.