KEEPING AND MAINTAINING YOUR HOME OR RESIDENCE IN
Pathways & Protocols ® is a registered service mark of Senior
Resources of Guilford on behalf of the Senior Services Roundtable of Guilford
County.
You may find that you need help keeping and/or maintaining your
housing due to problems paying your mortgage/rent or because your home is in
need of repair.
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If you need
assistance and rent housing see Assistance for the Renter
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If you need
assistance and own housing see Assistance for the Homeowner.
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If you are a
renter and are about to be evicted because of late or non-payment of your rent,
see Assistance with possible eviction.
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If you are a
renter and you have requested repairs to your house and the landlord is
refusing to make them or delaying making them see getting a landlord to make a repair.
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If you are a
homeowner and are behind on your mortgage payments see Mortgage payment assistance.
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If you are a
homeowner, needing to repair to your house and can not afford a loan see “For homeowners unable to afford
repairs or a loan”.
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If you are a
homeowner, needing repairs to your house and can afford a loan see “For homeowners able to afford a
loan”.
If you are concerned that you may be evicted because of late or
non-payment of rent, there are several organizations you could contact. You
should be aware that documentation concerning your eviction and/or financial
status would be required to receive assistance from these organizations.
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Salvation
Army in
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Open Door
Ministries in High Point 336-885-0191
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If after attempting to get a landlord to make repairs to your rented
housing, your landlord will not make repairs to your house, you have several
options.
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You can
contact Legal Aid of North Carolina 336-272-0148
or 1-800-951-2257 and speak with an
attorney about your rights.
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You can
contact a private attorney in your area by consulting the phone book.
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You can
contact the building inspectors if you feel that your housing is
extremely unsafe
If you need repairs regarding home energy conservation or
weatherization (such as caulking, insulation and window replacement) you can
contact Regional Consolidated Services
If you are a homeowner
and are behind on your mortgage payments you will need to find services that
can help you keep your housing such as mortgage default counselors.
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The Housing
Hotline through the Greensboro Housing Coalition 336-691-9521 is a good general source of information about a range
of housing issues.
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You may also
try an agency such as Consumer Credit Counseling Greensboro: 336-387-6105;
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You may also
want to look at the NC Division of Aging and Adult Services Housing Website at http://www.dhhs.state.nc.us/aging/housing2.htm.
If you are a homeowner, needing to repair to your house and can not afford a loan you have two
options.
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You may want
to try and find private and public sources of funding that can help you pay for
the repairs. For more information on this see “for homeowners unable to afford a loan”.
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You may also
want to try and obtain a reverse mortgage. For more information on reverse
mortgages, see reverse mortgages.
If you are a homeowner, needing repairs to your house and can afford a loan you should make
yourself aware of the various types of loans available and educate yourself
against predatory lenders. For information on these issues you can contact:
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Your local
bank or credit union for current lending rates and options.
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Community
Economic Development in
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Better
Business Bureau 336-852-4240
for information on predatory lenders.
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You may also
want to look at the NC Division of Aging and Adult Services Housing Website at http://www.dhhs.state.nc.us/aging/housing2.htm.
If you need repairs regarding home energy conservation or
weatherization (such as caulking, insulation and window replacement) you can
contact Regional Consolidated Services
If you can not
afford a loan or do not think you can re-mortgage there are potential sources
of funding available for those needing assistance with housing repairs.
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Housing
Hotline of the Greensboro Housing
Coalition 336-691-9521 is a good
general source of information about a range of housing issues and may have
information about the availability of grants for housing repairs.
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Local churches,
youth groups, and other faith-based organizations sometimes offer assistance
for those needing housing repairs. You may want to contact Greensboro Urban
Ministries 336-271-5959 for
information.
If you need repairs regarding home energy conservation or weatherization
(such as caulking, insulation and window replacement) you can contact Regional
Consolidated Services
A reverse mortgage is a special type of loan that enables older
homeowners to access a portion of the equity in their homes without having to
sell, move out, or even undertake a monthly repayment obligation.
To qualify, homeowners must be at least 62, occupy the home as their
primary residence, and either own the home outright or have a low mortgage
balance. No repayment is required as long as the borrower owns and occupies the
home and because there is no monthly payment, applicants do not have to qualify
based on assets, income, or credit rating.
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You can
receive free information about the Housing and Urban Development Reverse
Mortgage process by calling 1-800-209-8085.
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You may also
want to look at the NC Division of Aging and Adult Services Housing web site at
http://www.dhhs.state.nc.us/aging/housing2.htm.
Information
included in this document is intended for guidance, education and information
only and was correct at the time of publication. It should not be seen as a
diagnostic tool or a substitute for contact with professionals or agencies.
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