Shelter

Access the following sites for information on selling and buying homes, homeless shelters, home maintenance, home financing and other housing resources.

• Adequate Housing for Missourians. main service is the Rent Assistance Loan fund (RALF) which provides INTEREST-FREE LOANS for a security deposit when families are moving into PUBLIC HOUSING OR SECTION 8. Repayments may be made in cash and/or credit at $5/hour for volunteer community service.
  http://www.AHFM.org
  
  
• Catholic Charities Housing Resource Center. offers assistance, counseling, HOME MAINTENANCE TRAINING, SUPPORT SERVICES and "GAP FINANCING" to enable low-income families to become first time homeowners.
  http://www.ccstl.org/agency_details.php?agencyID=9
  
  
• Christmas in April. Metro St. Louis is an affiliate of a national volunteer organization which revitalizes neighborhoods in partnership with the community by REHABILITATING THE HOUSES OF LOW-INCOME HOMEOWNERS, particularly the ELDERLY AND THE DISABLED, so that they may continue to live independently in comfort and safety. Services are provided at NO COST to the homeowner. Christmas in April also renews neighborhoods by REBUILDING COMMUNITY CENTERS, PLAYGROUNDS AND OTHER COMMUNITY PROJECTS.
  http://www.christmasinapril-stl.simplenet.com/
  
  
• Community Information Network Housing Link. This PAGE LINKS TO MANY HOUSING CATEGORIES including buying and renovating a home, the Fannie Mae program, utility company links, and 15 other HOUSING RESOURCES WEBSITES.
  http://stlouis.missouri.org/housing/index.html
  
  
• Fannie Mae. The local contact is at 701 Market, (314)421-6444. This federal program Provides FINANCIAL PRODUCTS AND SERVICES that make it possible for low-, moderate- and middle-income families to BUY HOMES of their own.
  http://www.fanniemae.com/
  
  
• Habitat for Humanity St. Louis. BUILDS HOUSES WITH LOW-INCOME FAMILIES which are sold to those families at no profit and with no interest mortgages. Families WHO COULD NOT QUALIFY FOR A CONVENTIONAL MORTGAGE, perhaps for the first time, become homeowners. Program participants are selected based on need, willing to partner and their ability to repair the cost of the house. As their down payment, each family is required to work a minimum of 450 hours on their home.
  http://www.habitatstl.org/
  
  
• Homeless Shelters. This listing of SHELTERS AND TRANSITIONAL HOUSING RESOURCES is available through the Community Resources Section of the City of St. Louis' Five Year-Plan.
  http://stlouis.missouri.org/5yearstrategy/1999/ch3_homel.html
  
  
• Housing Comes First. Missouri citizens' coalition working to preserve housing and neighborhoods for people with low and moderate incomes. It offers activities such as ORGANIZING TENANTS to take an active role helping to establish tenant associations, providing a variety of information for tenants and landlords, updating tenants on CURRENT HOUSING POLICY, and informing tenants on NEW LAWS AND PROPOSALS.
  http://stlouis.missouri.org/501c/hcf/
  
  
• Housing Resource Center. A 24-HOUR HOMELESS HOTLINE FOR SHELTER REFERRAL in St. Louis City & County. The Action Outreach Program offers direct food, clothing and referrals to homeless individuals on the streets. Case management services provide RENT ASSISTANCE, MORTGAGE ASSISTANCE, CRISIS INTERVENTION, and CONDEMNATION RELOCATION.
  http://www.communityconnection.org/resource_pages/32758.html
  
  
• Justine Petersen Housing & Reinvestment Corporation (JPHRC). This organization HELPS LOW- AND MODERATE-INCOME FAMILIES AND INDIVIDUALS BUY HOMES AND BUILD FINANCIAL ASSETS for the long term. JPHRC also helps low- and moderate-income families establish INDIVIDUAL DEVELOPMENT ACCOUNTS, matched savings accounts to use when saving for home improvement, home repairs, education, or starting a business. They also provide home maintenance training to individuals.
  http://stlouis.missouri.org/501c/petersen/
  
  
• Low Income Home Energy Assistance. The Missouri Low Income Home Energy Assistance Program (LIHEAP) is part of the Family Support Division of the Dept. of Social Services. This programs is designed to provide financial assistance to help pay heating bills for Missourians during the months of October, November, December, January, February, and March. Click here to see if you are eligibility and for application procedures. Requirements for EA are based on income, family size, available resources and responsibility for payment of home heating costs.
  http://www.dss.mo.gov/fsd/liheap.htm
  
  
• Neighborhood Housing Services of St. Louis Gateway to Financial Fitness. Incorporated in 1975 with a mission to strengthen neighborhoods and improve housing through partnerships with residents, businesses and government. The organization provides several city-wide programs, including home repair loans, insurance services, credit repair, and homebuyer education.
  http://www.nw2.org/WinningStrategies/display.asp?strategy=1137&offset=9
  
  
• St. Louis Development Agency. SELLS THE PROPERTY owned by the Land Reutilization Authority (LRA), the Land Clearance for Redevelopment Authority (LCRA), and the PlannedIndustrial Expansion Authority (PIEA). These properties are SOLD IN AN "AS IS" CONDITION to individuals and organizations.
  http://stlouis.missouri.org/development/realestate/purchase/
  
  
• St. Louis Housing Authority (SLHA). funded by HUD, owns and operates conventional public housing, manages the Section 8 tenant-based voucher and certificate programs, and develops new public housing. SLHA also ADMINISTERS THE PLACEMENT OF PERSONS ON THE WAITING LIST INTO HOUSING UNITS as they become available. This site also explains the ELIGIBILITY REQUIREMENTS FOR SECTION 8 VOUCHERS.
  http://stlouis.missouri.org/government/housath.html
  
  
• The Human Development Corporation of Metropolitan St. Louis Energy Assistance Program. provides CRISIS ENERGY ASSISTANCE. Services include financial assistance for gas, electricity, oil and kerosene. Other fuel assistance programs are also available. Must be a St. Louis city or Wellston resident. Must provide proof of income, family size, and residency. Services must be in threat of disconnection of shut off.
  http://stlouis.missouri.org/hdc/services.htm#Energy Crisis Intervention Program (ECIP)
  
  

• Insure.Com Consumer Insurance Guide. Offers a HOME INSURANCE RATE GUIDE for the state of Missouri including expanded sample rates for renters, homeowners, mobile homeowners, and earthquake insurance.
  http://www.insure.com/states/mo/
  
  
• Missouri Department of Health and Senior Services - Emergency and Homeless Shelters. Find out information reguarding EMERGENCY and HOMELESS SHELTER services offered by the Missouri State Department of Health and Senior Services. Information about Child and Adult Care Food Program also available through this link.
  http://www.dhss.mo.gov/cacfp/homeless_shelter.html
  
  
• Missouri Property Tax Credit Claim, . Formerly called theSenior Citizens Credit, this program 's intent is to provide PROPERTY TAX RELIEF FOR SOME SENIOR AND DISABLEDCITIZENS ON FIXED INCOMES. This site explains how the program works, who is eligible, how to apply, and where to go for assistance.
  http://www.dor.mo.gov/tax/personal/faq/ptc.htm
  
  
• University of Missouri Extension Publications on Housing. This site includes information on HOME HEATING IN AN EMERGENCY, SIMPLE HOME REPAIRS, and ENERGY CONSERVATION.
  http://muextension.missouri.edu/xplor/hesguide/housing/
  
  

• Fannie Mae. The local contact is at 701 Market, (314)421-6444. This federal program Provides FINANCIAL PRODUCTS AND SERVICES that make it possible for low-, moderate- and middle-income families to BUY HOMES of their own.
  http://www.fanniemae.com/
  
  
• Federal Consumer Information Center Housing Issues. Financing and Sales of Home and Home Maintenance Reports on information including BUYING AND SELLING A HOME, HOME MORTGAGES, and HOME MAINTENANCE can be downloaded from this site.
  http://www.pueblo.gsa.gov/housing.htm
  
  
• How to Buy a Home. This site takes you through a step by step process of determining HOW TO BUY THE RIGHT HOME.
  http://www.ehow.com/eHow/eHow/0,1053,5830,FF.html?src=bre1
  
  
• Smartmoney.com. Offers 8 worksheets to help figure out whether to RENT OR BUY A HOME , what price house YOU CAN AFFORD and the affordable amount of your monthly payments
  http://www.smartmoney.com/ac/home/
  
  
• U.S. Department of Housing and Urban Development. This site provides information about BUYING HUD FORECLOSED PROPERTIES, advice on SELLING YOUR HOME and BUYING A HOME, various FINANCING PROGRAMS, and HOME IMPROVEMENT PROGRAMS. It also provides a link to advice on making your own home improvements.
  http://www.hud.gov/