Saturday, August 8, 2009

Income Based Housing for Low Income Families

By Illiana Laine

During hard economic times, income based housing becomes popular as families find that they are not making enough money to pay their mortgage or rent. The income based housing program was set up by HUD to allow people that were living in poverty to live in a better place.

In order to be eligible for income based housing, your income must be at or below poverty level. You can check these qualifications by going to HUDs website.

HUD provides income based housing by giving money to landlords. Landlords would then collect from tenants the remaining rent that HUD does not pay. So in this case tenants can afford housing at a cheaper price.

Since there may be many income based housing in a city, you might want to use the internet to quicken your search. There are many websites that help people find income based housing. You can search by number of bedrooms and bathrooms in the income based housing.

When you visit the income based housing, do not forget to bring something to keep notes of the income based housing that you visit. Take notes on each house including the pros and cons. Later, you can use this information to help you make an informed decision.

If you have a chance, speak to renter currently living in the income based housing. They can give you some clues as to whether the landlord is good or not. You might also want to check up on the landlord online.

Once you have narrowed down your choices of income based housing, have the landlord do a walk through of the house with you. Note all issues and have the landlord fix them before you move in.

It might be a good idea to buy renters insurance. Renters insurance can save you a bundle of money if your things were stolen and the insurance is not expensive.

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