Housing Resource Directory


HUD HOUSING PROGRAMS

U.S. Department of Housing and Urban Development

Home Investment Partnerships (HOME) Program

The HOME program expands the supply of decent, affordable housing for low‑ and very low-income families; builds state and local capacity to design and carry out affordable housing programs; provides financial and technical assistance to participating jurisdictions; and strengthens partnerships among all levels of government and the private sector in the development of affordable housing.


Montana’s Statewide HOME Program

The Montana Department of Commerce (MDOC) Housing Division administers the statewide HOME program. This program allows tenant-based rental assistance; first time home buyers assistance; property acquisition; new construction; homeowner rehabilitation; building rehabilitation; site improvements; and other activities for developing non-luxury housing. All HOME funds assist families with incomes at or below 80% area median income.

All Montana cities and towns (except Billings, Great Falls, and Missoula, which are entitlement cities with their own funding and programs), counties, contiguous units of local government, public housing authorities (PHAs), and MDOC-certified community housing development organizations (CHDOs) are eligible to apply for HOME funds. A minimum of 15% of HOME funds is set-aside for CHDOs doing CHDO-eligible activities (development, ownership, and sponsorship of housing projects) within their jurisdiction.

In 2006, the Montana HOME Program instituted a program to allocate a portion of its annual allocation of funds on a statewide basis to entities conducting homebuyer assistance (HBA) and homeowner rehabilitation (HR) programs. Cities, counties, PHAs, and CHDOs submit a qualification package rather than an application. There is no deadline, application, or scoring for programs providing HBA or HR. The HOME Program allocated approximately 25% of its HUD funding to the Single Family Noncompetitive Program.

The remaining HOME allocation funds construction, acquisition and/or rehabilitation of rental property; development of new housing for homeownership. The development of new housing for homeownership; or rehabilitation of owner-occupied housing, involves projects requiring more than 180 days to complete. The funds are allocated under the normal competitive grant application process and follow the current Montana HOME Investment Partnerships Program Application Guidelines.

An individual may not apply directly to the HOME program; however, individual households are the ultimate recipients of all HOME grant funds through the eligible applicants.

Contact: Jennifer Olson, Bureau Chief, Grants Bureau, Community Development Division, Montana Department of Commerce. Phone: 406.841.2770, Fax: 406.841.2771 www.comdev.mt.gov


City of Billings HOME Program

The City of Billings HOME and CDBG program funds are used to achieve common goals and objectives of the city’s Consolidated Plan. The Billings CDBG and HOME program funds are used to promote fair housing and affordable housing citywide; to preserve and revitalize the city's existing affordable housing stock; and to improve and revitalize neighborhoods where existing affordable housing stock is located. HOME program funds are specifically used for first-time homebuyer activities and to help finance new affordable housing projects. CDBG program funds are also used to support new housing activities, but primarily are used for activities that update and improve the community's existing affordable housing stock.

The core programs for the City of Billings are assist low/moderate income households within the city limits and include: 1) First Time Homebuyers which assists households at or below 80% area median income with down payment and closing cost assistance to purchase a home; 2) Affordable Housing which assists in the development of new affordable housing for low and very low income households; 3) Housing Rehabilitation which is a no interest deferred loan for substantial rehab of affordable housing stock for low/moderate income homeowner occupied residents; 4) Minor Home Repair which is for emergency repairs of stick built homes as well as repairs for mobile homes 30 years old or newer; 5) Exterior Paint Program; and 6) Special Assessment Grants to assist low and very low income households with curb, gutter and sidewalk replacement generated through a special improvement district for work completed by the City of Billings.

In addition, the City of Billings works with community partners, both non-profit and for-profit organizations, to improve the living conditions of low and very low income individuals. Programs supported in the past include: Food Bank of Billings, South Side Senior Center, Yellowstone County Council on Aging, Big Sky Senior Services, Tumbleweed Runaway Program, Montana Healthy Partnership’s Medical Assistance Program, Boys and Girls Club, Family Services, Rebuilding Together, Living Independently for Today and Tomorrow (LIFTT), Homeword, YWCA, and Friendship House, to name a few.

Contact: Brenda Beckett, Community Development Manager, City of Billings. Phone: 406.657.8286, Fax: 406.294.7595. www.ci.billings.mt.us/comdev 


City of Great Falls HOME Program

The HOME Program of Great Falls is dedicated to funding projects that expand the supply of decent, safe, sanitary, and affordable housing for very low-income citizens of Great Falls. Eligible activities developed and managed by the Great Falls Housing Authority, nonprofit organizations or NeighborWorks® Great Falls, Inc. (a local CHDO) include housing assistance to very low- and low-income renters, housing assistance to very low- and low-income homebuyers, and housing assistance to homeless persons and households. Examples of eligible projects include new construction of affordable housing, housing rehabilitation, down payment, and closing cost assistance to low-income homebuyers, and transitional housing programs for homeless persons and households. Only projects located within the city limits are eligible for funding. Project proposals are accepted on an annual basis. Technical assistance for project development is available.

Contact: Jolene Wetterau, CDBG/HOME Administrator, Community Development, City of Great Falls. Phone: 406.455.8407, Fax: 406.454.9181.  www.greatfalls.net/planning


City of Missoula HOME Program

The City of Missoula administers a HUD-funded HOME Program designed to expand the supply of affordable housing opportunities for low- and moderate-income residents within the city limits. Eligible activities include new construction, property acquisition, residential rehabilitation, homebuyer assistance, and rental subsidy. The city solicits requests for funds on an annual basis. Currently, Missoula accepts requests from certified CHDOs, the Missoula Public Housing Authority, or the participating jurisdiction only. Technical assistance is available to applicants and to agencies interested in qualifying as CHDOs.

Contact: Nancy Harte, Senior Grants Administrator, City of Missoula. Phone: 406.258.4934, Fax: 406.258.4843. www.co.missoula.mt.us/grants/

Community Development Block Grant (CDBG) Program

The CDBG program is a flexible program that provides communities with resources to address a wide range of unique community development needs. The primary objective of the CDBG program is to develop viable communities by providing decent housing and a suitable living environment and by expanding economic opportunities for low- and moderate-income persons (LMI). Each activity funded must benefit at least 51% low- and moderate-income persons.


Statewide CDBG Program

Montana's statewide CDBG program is a competitive grant program designed to help Montana communities of less than 50,000 in population with their greatest community development needs. The state makes CDBG grants for community development activities to units of general-purpose local government (counties and municipalities, except the entitlement cities of Billings, Great Falls, and Missoula).

Montana administers two components of the state CDBG program through the Community Development and Business Resources Divisions of the MDOC.  Program funding for public facility and housing projects is administered by the Community Development Division.  Funding targeted for economic development projects is administered by the Business Resources Division.

Some of the activities that can be carried out with CDBG funds include acquiring real property; rehabilitating residential and nonresidential properties (including special facilities for persons with disabilities); constructing new, affordable housing (when sponsored by a nonprofit organization); providing public facilities and improvements such as water, sewer or solid waste facilities, senior citizen centers, rural hospitals and nursing homes; and assisting for-profit businesses to promote economic development activities that will result in the creation or retention of jobs for low- and moderate-income persons.

Under the housing and neighborhood renewal category, CDBG funds can be used to provide homebuyer assistance, including down payment assistance for low- and moderate-income homebuyers. CDBG funds may also be used to make low interest loans or grants to low- and moderate-income families to allow them to rehabilitate homes in substandard condition. CDBG funds can also be used to finance or subsidize the construction of new, permanent residential units for LMI households where the CDBG funds will be used by a local nonprofit organization. Housing projects can include site improvements to publicly owned land or land owned by a nonprofit organization to be used for new housing. Community revitalization activities, such as neighborhood clean-up and fix-up projects and the demolition of vacant, seriously dilapidated structures are eligible housing activities. The acquisition of sites for new housing and conversion of existing nonresidential structures for residential use are also eligible CDBG housing activities. Transitional (temporary) housing, emergency housing facilities and similar kinds of homeless shelters are eligible under the public facilities category.

Contact: Jennifer Olson, Bureau Chief, Grants Bureau, Community Development Division, Montana Department of Commerce. Phone: 406.841.2770, Fax: 406.841.2771 www.comdev.mt.gov


City of Billings HOME and CDBG Programs

The City of Billings HOME and CDBG program funds are used to achieve common goals and objectives of the city’s Consolidated Plan. The Billings CDBG and HOME program funds are used to promote fair housing and affordable housing citywide; to preserve and revitalize the city's existing affordable housing stock; and to improve and revitalize neighborhoods where existing affordable housing stock is located. HOME program funds are specifically used for first-time homebuyer activities and to help finance new affordable housing projects. CDBG program funds are also used to support new housing activities, but primarily are used for activities that update and improve the community's existing affordable housing stock.

The core programs for the City of Billings are assist low/moderate income households within the city limits and include: 1) First Time Homebuyers which assists households at or below 80% area median income with down payment and closing cost assistance to purchase a home; 2) Affordable Housing which assists in the development of new affordable housing for low and very low income households; 3) Housing Rehabilitation which is a no interest deferred loan for substantial rehab of affordable housing stock for low/moderate income homeowner occupied residents; 4) Minor Home Repair which is for emergency repairs of stick built homes as well as repairs for mobile homes 30 years old or newer; 5) Exterior Paint Program; and 6) Special Assessment Grants to assist low and very low income households with curb, gutter and sidewalk replacement generated through a special improvement district for work completed by the City of Billings.

In addition, the City of Billings works with community partners, both non-profit and for-profit organizations, to improve the living conditions of low and very low income individuals. Programs supported in the past include: Food Bank of Billings, South Side Senior Center, Yellowstone County Council on Aging, Big Sky Senior Services, Tumbleweed Runaway Program, Montana Healthy Partnership’s Medical Assistance Program, Boys and Girls Club, Family Services, Rebuilding Together, Living Independently for Today and Tomorrow (LIFTT), Homeword, YWCA, and Friendship House, to name a few.

Contact: Brenda Beckett, Community Development Manager, City of Billings. Phone: 406.657.8286, Fax: 406.294.7595. www.ci.billings.mt.us/comdev 


City of Great Falls CDBG Program

The primary objective of the City of Great Falls CDBG program is to use grant funds to benefit low- and moderate-income persons or to eliminate slums and blight. Providing decent housing, a suitable living environment, and expanding economic opportunities for low and moderate-income citizens enhances the community.

The City of Great Falls offers four CDBG-funded revolving loan programs to individuals within the city limits to promote affordable housing: 1) the deferred payment loan program provides no-interest loans to low-income homeowners for code-related repairs; 2) the water and sewer fund provides no/low interest loans to low-income homeowners or landlords having low-income tenants to construct or replace water and sewer service lines; 3) the rental improvement fund program provides no-interest loans to landlords to rehabilitate sub-standard rental units that will be made affordable to low-income tenants; and 4) the historic preservation fund provides no-interest loans to help landlords upgrading properties meet historic preservation requirements with the rental units being made affordable to low-income tenants.

The city also allocates CDBG housing funds to both for-profit and nonprofit organizations that develop accessible, affordable rental housing and to NeighborWorks-Great Falls, Inc., for programs that address the purchase, rehabilitation, and new construction of affordable housing. The City of Great Falls has a Fair Housing Specialist who works to promote Fair Housing.

The city uses CDBG funds to improve public facilities that are primarily used by low-income persons, to make infrastructure improvements in low-income neighborhoods, to promote handicap accessibility, and to provide support to public services agencies whose programs benefit very low- to moderate-income citizens. The city encourages the use of CDBG funds in economic development activities that will create job opportunities for members of lower-income households.

Only projects located within the Great Falls city limits are eligible for funding. Applications for city-administered housing programs are available on an ongoing basis; proposals for other projects are accepted on an annual basis.

Contact: Jolene Wetterau, CDBG/HOME Administrator, Community Development, City of Great Falls. Phone: 406.455.8407, Fax: 406.454.9181.  www.greatfalls.net/planning


City of Missoula CDBG Program

The City of Missoula receives an annual allocation of approximately $642,000 from HUD, which is available to support activities that benefit low- and moderate-income households in the areas of housing, public facilities, economic development and public services. The city conducts a competitive funding process for projects each year between September and November. Technical assistance is available to agencies and individuals interested in participating in the program. 

Contact: Nancy Harte, Senior Grants Administrator, City of Missoula. Phone: 406.258.4934, Fax: 406.258.4843. www.co.missoula.mt.us/grants/

Indian Community Development Block Grant (ICDBG) Program

The Indian Community Development Block Grant Program provides eligible grantees with direct grants for use in developing viable Indian and Alaska Native Communities, including decent housing, housing rehabilitation, land acquisition to support new housing, homeownership assistance, a suitable living environment, public facilities, and economic and microenterprise development, primarily for low and moderate-income persons (see 24 CFR 1003, subpart C for more details).

Contact: Michael E. Boyd, Director, Grants Management Division, U.S. Department of Housing and Urban Development, Northern Plains Office of Native American Programs, Denver: 303.672.5170.

Tenant Based Section 8 Program Rental Vouchers and Moderate Rehabilitation

Financed by HUD and administered by the MDOC Housing Division, Tenant Based Section 8 (TBS8) Housing Assistance Programs allow very low-income families to pay a set amount toward rent and utilities (currently 30%), based on their gross adjusted income. Very low-income families have incomes of 50% or less of the HUD median family income for the county in which the family resides. HUD establishes income limits annually. The programs provide subsidy payments to property owners on behalf of program participants.

The TBS8 program has 11 field offices throughout the state, providing field services: issuing assistance documents, performing inspections, and examining annual income. The wait list to obtain a voucher is approximately 30 months (2½ years) with approximately 7,700 applicants. The Housing Choice Vouchers is the main program in TBS8, with a HUD baseline of 3,761 units.

The Moderate Rehabilitation (Mod Rehab) program is in essence, a project-based program. Owners of substandard property in Montana rehabilitate the property to meet HUD housing quality standards (HQS) and receive subsidized rent for 15 years at a rate high enough to cover the debt service on rehabilitation loans. TBS8 provides a list of prospective tenants and inspects the rental units annually to ensure continued compliance with HQS.

Contact: John Schreck, Tenant Based Section 8 Program Manager, Housing Division, Montana Department of Commerce: 406.841.2828; Fax: 406.841.2810.

Project Based Section 8 Program

The MDOC Housing Assistance Bureau administers the Montana Project Based Section 8 (PBS8) program. Active since November 2000, PBS8 performs as a HUD contractor for management and oversight activities for 95 contracts involving 4,236 affordable rental units. PBS8 conducts on-site management reviews annually for the entire contract portfolio. In addition, PBS8 approves and processes payment vouchers to property owners and agents.

Contact: Diana Collver-Vanek, Project Based Section 8 Program Manager, Housing Division, Montana Department of Commerce: 406.841.2817, Fax 406.841.2810.

Emergency Shelter Grants (ESG) Program

The Montana Department of Public Health and Human Services (MDPHHS) Human and Community Services Division administers the ESG Program to help improve the quality of existing emergency shelters for the homeless, make available additional shelters, meet the costs of operating shelters, and provide essential social services to help prevent homelessness. The grant is 100% funded by HUD. Ninety-five percent (95%) of funds received are allocated to the 10 regional Human Resource Development Councils (HRDCs) in the state. The grants fund the renovation, rehabilitation or operating costs of homeless shelters, and provide follow-up and long-term services to help homeless persons escape poverty. Shelters to be assisted and services to be delivered are determined locally by the HRDCs.

Contact: Jim Nolan, Intergovernmental Human Services Bureau, Montana Department of Public Health and Human Services: 406.447.4260. 

Housing Opportunities for Persons With AIDS (HOPWA) Program

The MDPHHS Human and Community Services Division also administers the HOPWA Program. In 2002, MDPHHS received its first three-year competitive HOPWA grant covering the states of Montana, North Dakota, and South Dakota. Since then, the MDPHHS was awarded other HOPWA renewal grants a competitive grant to continue operating the Tri-State Housing Environments for Living Positively (TS HELP) program. This program is a continuum of housing and related supportive service opportunities for people living with HIV/AIDS and their families in the three states, which do not qualify for direct HOPWA formula grant funding. TS HELP is a partnership between MDPHHS and four private agencies: the Sioux Falls Housing and Redevelopment Commission in South Dakota, Region VII Community Action Program in North Dakota, and Missoula AIDS Council and Yellowstone AIDS Project in Montana.

Contact: Jim Nolan, Intergovernmental Human Services Bureau, Montana Department of Public Health and Human Services: 406.447.4260.

Housing Prevention/Rapid Re-housing Program (HPRP)

Administered by the MDPHHS Human and Community Services Division HPRP provides homeless prevention assistance to households who would otherwise become homeless, and assistance to rapidly re-house persons who are homeless.

Funded by a one-time appropriation of $3.3 million from the Federal Stimulus Act (ARRA), the program will operate until funds are depleted, but not longer than two years. Funds are distributed by the state’s HRDC’s on behalf of eligible clients (no more than 50% AMI). No payments are made to individuals.

Contact: Jim Nolan, Intergovernmental Human Services Bureau, Montana Department of Public Health and Human Services: 406.447.4260.

HUD-Funded Homeless Assistance Programs

HUD's Homeless Assistance programs are broken down into two main categories, formula (non-competitive), and competitive. Competitive programs are under the umbrella of Continuum of Care. For more detailed information on homeless assistance programs, go to HUD’s website on the Homelessness Resource Exchange: http://www.hudhre.info

The McKinney-Vento Homeless Assistance Act programs administered by HUD that award funds competitively require the development of a "Continuum of Care" system in the community where assistance is being sought. A continuum of care system is designed to address the critical problem of homelessness through a coordinated community-based process of identifying needs and building a system to address those needs. The approach is predicated on the understanding that homelessness is not caused merely by a lack of shelter, but involves a variety of underlying, unmet needs: physical, economic, and social. Funds are granted based on the competition following the Notice of Funding Availability (NOFA): http://www.hud.gov/grants/.


Shelter Plus Care (SPC) Program

Shelter Plus Care grants help provide housing and supportive services on a long-term basis for homeless people with disabilities, especially serious mental illness, chronic drug or alcohol problems, and AIDS. Program grants are used for the provision of rental assistance payments through Section 8 Moderate Rehabilitation for Single Room Occupancy (SRO), sponsor‑based rental assistance (SRA), tenant‑based rental assistance (TRA), or project‑based rental assistance (PRA).

SPC funds are awarded in a nationwide competition, with priority given to homeless needs. States, units of local government, and public housing authorities can apply for SPC grants. Support services must match rental assistance and must be supplied by federal, state, or local governments or private sources.

Non‑PHA applicants applying for the SRO component must subcontract with a PHA to administer the rental housing assistance. Applicants for the SRA must subcontract with a nonprofit organization, a sponsor, to provide rental assistance to sponsor‑owned or leased units. PRA applicants must subcontract with a building owner to provide rental assistance for units in a particular property.

As funds become available, a NOFA is published in the Federal Register. Eligible applicants interested in applying for Shelter Plus Care funding in Montana will need to apply through the Montana Continuum of Care Coalition for the Homeless.

Primary Contact: Bob Buzzas, Montana Continuum of Care Coalition for the Homeless: 406.586.1572.

Contact: Ed Atencio, U.S. Department of Housing & Urban Development‑Denver: 303.672.5080.[JJ1] 


Supportive Housing Program (SHP)

The Supportive Housing Program is designed to develop supportive housing and services that will allow homeless persons to live as independently as possible. Eligible applicants are states, units of local government, other governmental entities such as PHAs, and private nonprofits.

The SHP is authorized by Title IV, Subtitle C, of the McKinney-Vento Homeless Assistance Act of 1987, as amended. It is designed to promote, as part of a local Continuum of Care strategy, the development of supportive housing and supportive services to assist homeless persons in the transition from homelessness and to enable them to live as independently as possible.

Assistance in the Supportive Housing Program is provided to help homeless persons meet three overall goals:

  • achieve residential stability,
  • increase their skill levels and/or incomes, and
  • obtain greater self-determination (i.e., more influence over decisions that affect their lives).

Specific performance measures for each of these three goals must be established based on the needs and characteristics of the homeless population to be served. Grant recipients are required to monitor their clients' progress in meeting their performance measures on an ongoing basis. In addition to recordkeeping and evaluation that grantees may conduct for their own purposes, HUD requires recordkeeping and annual progress reports. The annual progress report includes questions that ask grantees to report on their progress in meeting performance measures. Grantees are expected to make changes in their program or adjust performance measures in response to ongoing evaluation of their progress.

As funds become available, a NOFA will be published in the Federal Register. Nonprofits interested in applying for SHP funding in Montana will need to apply through the Montana Continuum of Care Coalition for the Homeless.

Primary Contact: Bob Buzzas, Montana Continuum of Care Coalition for the Homeless: 406.586.1572

Contact: Ed Atencio, U.S. Department of Housing & Urban Development‑Denver: 303.672.5080.[JJ2] 


Single Room Occupancy (SRO) Program for Homeless Individuals

The SRO Program provides rental assistance for homeless persons in connection with the moderate rehabilitation of SRO dwellings. SRO housing contains units for occupancy by one person. These units may contain food preparation or sanitary facilities, or both.

Under the program, HUD enters into Annual Contributions Contracts with public housing agencies in connection with the moderate rehabilitation of residential properties that, when rehabilitation is completed, will contain multiple single room dwelling units. These PHAs make Section 8 rental assistance payments to participating owners (i.e., landlords) on behalf of homeless individuals who rent the rehabilitated dwellings. The rental assistance payments cover the difference between a portion of the tenant's income (normally 30%) and the unit's rent, which must be within the fair market rent (FMR) established by HUD.

Rental assistance for SRO units is provided for a period of 10 years. Owners are compensated for the cost of some of the rehabilitation (as well as the other costs of owning and maintaining the property) through the rental assistance payments. To be eligible for assistance, a unit must receive a minimum of $3,000 of rehabilitation, including its prorated share of work to be accomplished on common areas or systems, to meet HQS.

Assistance provided under the SRO program is designed to bring more standard SRO units into the local housing supply and to use those units to assist homeless persons. The SRO units might be in a rundown hotel, an old school, or a large abandoned home.

As funds become available, a NOFA will be published in the Federal Register. Eligible applicants interested in applying for SRO funding in Montana will need to apply through the Montana Continuum of Care Coalition for the Homeless.

Primary Contact: Bob Buzzas, Montana Continuum of Care Coalition for the Homeless: 406.586.1572.

Contact: Ed Atencio, U.S. Department of Housing & Urban Development‑Denver: 303.672.5080.

Supportive Housing for the Elderly (Section 202)

Supportive Housing for the Elderly provides funding to expand the supply of housing with supportive services for very low-income persons 62 years of age or older. Initial legislation authorizing this program was enacted in the Housing Act of 1959 (Section 202) and was amended in 1990 by Section 801 of the National Affordable Housing Act. Section 202 funding falls into two categories: capital advances and project rental assistance. Capital advances are to finance elderly housing that also offers supportive services. The advances are non-interest-bearing, and are based on development cost limits published in the Federal Register. Project rental assistance covers the difference between the HUD-approved operating cost per unit and 30% of resident’s adjusted income. Funds can be used for acquisition, rehabilitation, new construction, rental assistance, and support services for households containing at least one person over 62 years of age. Private, nonprofit organizations and consumer cooperatives are eligible to apply.

A NOFA is usually issued in early spring for Supportive Housing for the Elderly and funding is available for eligible Montana entities. Applications scoring the highest receive funding. To receive application materials, download the information from www.grants.gov/. Applicants are required to submit an electronic application unless they receive a waiver of the requirement from HUD Headquarters. Regulations and guidelines may be found in HUD Handbook 4571.3 Rev-1 Supportive Housing for the Elderly and 24 CFR 891.

Contact: Elaine Chavez, U.S. Department of Housing & Urban Development, Denver Multifamily Hub: 303.672.5427.

Supportive Housing for Persons with Disabilities (Section 811)

Section 811 grant monies are awarded to nonprofit organizations providing assistance to expand housing with supportive services for persons with disabilities. This often includes group homes and independent living facilities. Section 811 is targeted toward persons with a physical or developmental disability or chronic mental illness that is expected to be of long and indefinite duration, substantially impedes the person's ability to live independently, and is of such a nature that such ability could be improved by more suitable housing conditions.

The program was authorized by the National Affordable Housing Act, Section 811. The competitive grants are available in two forms: capital advances based on the development cost limits published in the Federal Register, and project rental assistance to cover the difference between HUD-approved operating costs and 30% of the resident's adjusted income. Occupancy is open to very low-income persons who are at least 18 years old.

A NOFA is usually published in early spring in the Federal Register for Supportive Housing for Persons with Disabilities. Funding is available for eligible entities in Montana. Those applications scoring highest receive funding. For application materials, download the information from www.grants.gov/. Applicants are required to submit an electronic application unless they receive a waiver of the requirement from HUD Headquarters. Regulations and guidelines may be found in HUD Handbook 4571.2 Supportive Housing for Persons with Disabilities, and 24 CFR 891.

Contact: Elaine Chavez, U.S. Department of Housing & Urban Development, Denver Multifamily Hub: 303.672.5427. 

HUD-Veterans Affairs Supportive Housing (VASH) Voucher Program

The HUD-VASH Program is a nationwide housing program is jointly supported by the U.S. Department of Housing and Urban Development and the U.S. Department of Veterans Affairs. This voucher program was expanded by Congress in December 2007. In Montana, applications are submitted to the Veteran’s Administration at Fort Harrison. The MDOC Section 8 Program in Helena was the first recipient of HUD-VASH funding because the jurisdiction is statewide and allows for broad housing choice. In 2009, the VA received additional funding in cooperation with the Housing Authority of Billings to receive funding for veterans in the city limits of Billings.

The primary goal of HUD-VASH is to assist chronically homeless veterans and their families successfully transition from homelessness, into decent, safe, and affordable housing in the community while providing services that support the family’s ongoing needs.

Veterans who apply for the HUD-VASH program are assigned a VA case manager who completes an eligibility screening for the VASH program. The VA makes referrals to the Public Housing Authority for eligible applicants to obtain a Section 8 voucher. The VA assists the Veteran in their housing search and the Public Housing Authority provides the family with rental assistance payments to a private landlord in the community. Case management continues for as long as the veteran receives housing assistance.

Homeless veterans who are interested in the HUD-VASH program should contact the VA Homeless Veterans Program Office at Fort Harrison Regional Center outside Helena, Montana listed below. 

Contact: Homeless Veteran’s Program, 3687 Veterans Drive, Fort Harrison, MT  59636 at 800.827.1000 for information on the VASH Program. Information on the VASH program also appears on the VA website at www.va.gov

 

OTHER FEDERAL HOUSING PROGRAMS

 

U.S. DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT (USDA) HOUSING PROGRAMS

U.S. Department of Agriculture Rural Development (RD) loans and grants are available to assist rural Montana with Single Family Housing and Multifamily Housing needs. RD partners with local lenders, community groups and local, state and federal funding sources.

USDA is an equal opportunity provider, employer and lender. To file a complaint of discrimination, write USDA, Director, Office of Civil Rights, 1400  Independence Ave., S.W., Washington, DC  20250-9410 or call 800.795.3272 (voice) or 202.720.6382 (TDD).

 

Single Family Housing Programs

The single family housing programs provide homeownership opportunities to very low-, low- and moderate-income rural residents through several loan, grant, and guarantee programs. The program also provides loans and grants to individuals to finance the vital improvements necessary to make their homes decent, safe, and sanitary.


Rural Housing Guaranteed Loans (Section 502)

The purpose of this program is to assist low- and moderate-income households through the 90% guarantee of loans made by conventional lenders for acquisition of single-family homes. Because a down payment is not required, this program helps borrowers by reducing the closing costs. In addition, there is no mortgage insurance premium cost, which further reduces the up-front costs and monthly payments.

Applicant Requirements: To qualify for a loan guarantee, each applicant must meet all of the following criteria:

  • Be unable to obtain a loan through a conventional mortgage source
  • Have sufficient income to meet all obligations
  • Principal, interest, taxes, and insurance (PITI) cannot exceed 29% of monthly gross income
  • Total indebtedness (monthly obligations) cannot exceed 41% of monthly gross income
  • Have an acceptable credit history
  • Be a U.S. citizen or be legally admitted to the U.S. for permanent residency
  • Be the owner occupant of the dwelling

Adjusted annual income must meet the income requirements for the area (less than 115% of area median income). Contact your local office for the applicable area limits.

Home Requirements: In addition to applicant requirements, there are also certain requirements for the home. It must provide modest, decent, safe, and sanitary housing for the family and cannot have an in-ground swimming pool or other structures designed for income-producing purposes. The land value of the property cannot exceed 30% of the appraised market value of the home. The property must meet FHA requirements.


502 Leveraged Loans

Under this program, a minimum of 20% of the total mortgage is covered by a loan from the conventional lender, while the remainder is financed through a USDA RD loan at a lower interest rate based on the borrower’s income. This provides the borrower with a “blended” interest rate lower than market rates. Applicant’s income is limited to less than 80% of area median income.


502 Direct Loans

In limited circumstances, borrowers can receive a 100% direct loan from USDA for the entire purchase price of the home at significantly lower interest rates. Because available funds for the program are limited, assistance under this program is reserved for those with the greatest need looking for homes in targeted areas. Applicant’s income is limited to less than 80% of area median income.

Contact: Kim Maines, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


504 Repair Loans and Grants

USDA Rural Development also helps existing homeowners with home improvement loans to improve or modernize their existing home. Eligible very low-income residents (less than 50% of area median income) can apply for loans of up to $20,000 at one percent interest with a repayment period of up to 20 years.

Very low-income elderly residents aged 62 or older may qualify for grants or a combination of grants and loans to remove health or safety hazards. Lifetime grant assistance is limited to $7,500.

Eligible improvements include:

  • Installing and repairing sanitary water and waste disposal systems, including related plumbing and fixtures
  • Paying reasonable connection fees for utilities
  • Installing various energy conservation measures including insulation and storm windows
  • Repairing or replacing heating systems and electrical wiring
  • Making structural improvements including repairing or providing structural supports, repairing or replacing the roof, and replacing severely deteriorated siding
  • Improving homes to make them accessible to handicapped residents

Contact: Kim Maines, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


Technical Assistance Grants/Mutual Self-Help Housing Program

Another option available for some families in Montana is the Mutual Self-Help Housing Program. Through this program, nonprofit organizations receive technical assistance grants to help very low- and low-income families build their own homes. Applicants must show a need for self-help housing, the professional expertise to supervise a project, and a lack of funding to be eligible for this assistance.

Approved applicants in groups of 8 to 12 families provide sweat equity, working together under the guidance of professionals to build each other's homes. When all the homes are completed, each family has gained shelter, confidence, beneficial skills, and an unparalleled sense of community relationship.

Contact: Kim Maines, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


 

RD Multifamily Housing Programs


Section 515 Rural Rental Housing Loans

Increased home prices have resulted in a higher percentage of renters throughout the nation. More facilities are needed to meet this demand. The multifamily housing Section 515 program provides financing to build or purchase and repair, apartment style housing for very low- and low-income residents in rural communities with a population of up to 20,000 people. Tenants pay 30% of their monthly gross income and the program subsidizes the remaining rent through rental assistance. Interest rates are subsidized at one percent. The loan term is 30 years with a 50-year amortization.

The housing must be modest in size, design, and cost, but adequate to meet the tenants’ needs.

Eligible applicants include individuals, trusts, associations, general partnerships, limited partnerships, limited liability companies, state or local public agencies, and limited-profit and nonprofit corporations. Nonprofit corporations may be organized on a regional or multi-county basis. Loans to nonprofits may be up to 100% of the appraised value or development cost, whichever is less.

Contact: Sandi Messinger, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


Section 538 Guaranteed Rural Rental Housing Program

The Section 538 Guaranteed Rural Rental Housing Program is available thanks to a partnership between the Federal government and major financial lending institutions. The program is designed to help qualified local lenders serve the rental housing needs of low- and moderate-income households in their community.

Under the RHS Guaranteed Rural Rental Housing Program, qualified lenders are authorized to originate, underwrite, and close loans for multifamily housing complexes requiring new construction. In turn, USDA will guarantee the lender’s loan up to 90% of the total development cost and will commit to paying up to 90% of the outstanding principal and interest in the event of a default on the loan. The program has had less than a one percent default rate over its history.

The loan guarantees can be used with other subsidy funding programs such as the Low Income Housing Tax Credit program, Montana Department of Commerce’s HOME Program, and state rental assistance programs.

To be eligible for the program, lenders should be approved as multifamily lenders through FHA, Fannie Mae, or Freddie Mac. Other lenders with multifamily lending experience may also be approved, such as Federal Home Loan Bank system members and state or local Housing Finance Authorities (HFAs).

The lender must assume the risk on the unguaranteed portion of the loan, underwrite, and originate loans for the guarantee. The lender performs all loan servicing functions, including asset management and liquidation, and monitors rent and income levels of the project.

Loan guarantees can be used for:

  • New construction, and moderate or substantial rehabilitation
  • Acquisition of buildings that meet “special housing needs”
  • Combination of construction and permanent loans
  • Construction of a wide variety of housing types

Eligible borrowers include:

  • Individuals
  • Nonprofit or limited-profit corporations
  • Partnerships
  • Limited liability companies
  • Trusts
  • State and local agencies
  • Indian tribes
  • Any other entity deemed eligible

Contact: Sandi Messinger, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


Farm Labor Housing

Farm Labor Housing provides loans and grants to farm owners, family farm organizations, state and local public agencies, and private broad-based organizations or nonprofit organizations of farm workers. The basic objective is to provide decent, safe, and affordable housing for domestic and migrant farm labor located in areas where the need exists. The housing units can be located on or off the farm property.

Contact: Sandi Messinger, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.


 

Rural Development Housing Preservation Grants

Housing Preservation Grants are provided to nonprofit and governmental organizations to remove health and safety hazards to owner-occupied residences or rental housing for low-income individuals. These grants are combined with other funding sources to accomplish the repairs.

Contact: Sandi Messinger, State Housing Specialist, USDA Rural Development;  Phone: 406.585.2515; Fax: 855.576.2674.

Low Income Housing Tax Credit (LIHTC) Program

The low income housing tax credit, established by Congress in the Tax Reform Act of 1986, is intended to provide for retaining, rehabilitating, and/or constructing low-income rental housing. Through the program, developers and owners of qualified housing receive an annual federal tax credit for 10 years, based on the number of housing units provided to low-income individuals and families. The Montana Board of Housing (MBOH) administers the LIHTC in Montana and receives authority to allocate the credit through the Internal Revenue Code of approximately $2.1 million per year. Staff monitors projects to ensure low-income tenant and rent restrictions are met. Any non-compliance issues are reported to the IRS.

In Montana, this program is referred to as "Housing Credits".

Contact: Mary Bair, Multifamily Program Manager, Montana Board of Housing: 406.841.2845.  http://housing.mt.gov/MFDevelopment

Veterans Administration (VA) Direct Loans for Native Americans Living on Trust Lands Loan Program

The VA Native American Direct Loan (NADL) Program is available to assist eligible Native American veterans purchase, build, or improve a home on Tribal Trust Lands. Loan amounts are determined by an appraisal of the property, but are limited to a maximum loan limit governed by the conforming limit. To qualify, the applicant’s tribal organization or group must have signed an agreement to participate in the NADL Program. The applicant must be determined to be a satisfactory credit risk and have sufficient income to repay the loan before the loan can be approved.

Native American Veterans desiring more information or wanting to determine his or her eligibility for the NADL Program should contact: VA Regional Loan Center, Box 25126, Denver, CO 80225, or toll-free: 888.349.7541, option 2.

U.S. Department of Energy and Other Energy Programs

Energy program funds are available from the U.S. Department of Energy and other agencies. Allocations can be used for rehabilitation and new construction.


Weatherization

Energy costs are one of the greatest demands on a low-income family's resources. During Montana's winter, these costs can exceed rental or mortgage costs. The weatherization program, administered by the MDPHHS, is primarily funded by the U.S. Departments of Energy and Health and Human Services. The program is designed to help low-income persons reduce their home heating costs and to conserve natural resources. The funds are directed toward local HRDCs and tribal organizations. These groups decide where the grant money will be spent to install energy saving measures in the homes of low-income persons. Homes are prioritized based on energy consumption. Specific measures are decided upon after each home has had an energy audit to determine what activities would be most cost-effective. Measures include insulation, caulking, and furnace repair or replacement. Labor and materials are purchased locally. By reducing overall costs, weatherization helps a family stay in their home, increasing family self-sufficiency.

Funds are currently available and are being allocated in the weatherization program. Submitted applications scoring highest receive funding. Apply by calling the contact listed below or 800.332.2272.

Contact: Jim Nolan, Intergovernmental Human Services Bureau, Montana Department of Public Health and Human Services: 406.447.4260.


Low Income Energy Assistance Program (LIEAP)

The Human and Community Services Division Low Income Energy Assistance Program (LIEAP) is primarily funded by the U.S. Department of Health and Human Services. The goal of this program is to assist low-income families in meeting home heating costs. Funding for households is determined using matrix tables that factor the household's income, fuel type, size and type of home, and local heating degree-days. Most payments are made directly to the household's utility company. Emergency payments are allowed for unforeseen energy-related events. Up to 15% of the block grant may be used for weatherization activities to decrease long-term heating cost problems.

Apply by calling the contact listed below or toll free at 800.332.2272.

Contact: Jim Nolan, Intergovernmental Human Services Bureau, Montana Department of Public Health and Human Services: 406.447.4260


HUD Energy Star Initiative

HUD joined with the U.S. Environmental Protection Agency (EPA) and DOE to promote Energy Star (www.energystar.gov) in all HUD programs through a Memorandum of Understanding (www.hud.gov/news/release.cfm?content=pr02-105.cfm) signed by Secretary Martinez in 2002. HUD will work with EPA and DOE to expand the use of Energy Star products in assisted and public housing and in projects financed through other HUD programs such as CDBG and HOME. Energy Star is a voluntary labeling program designed to identify and promote energy efficient products and appliances. Energy Star-labeled products save energy and money and protect the environment. Improved energy efficiency in housing can generate significant savings for property owners and building residents.

Contact: Erik Amundson, U.S. Department of Housing & Urban Development, Helena Field Office; Phone: 406.447.1488; Fax: 406.449.5052; website: http://www.hud.gov/energy/.

Guaranteed Loan Programs

A number of guaranteed loan programs at or below market rates are available for qualified homebuyers. Financial institutions in partnership with the Montana Board of Housing make guaranteed loans available to Native Americans and those living in rural settings. The U.S. Department of Veterans Affairs offers guaranteed loans to eligible service members, veterans, and unmarried surviving spouses.


HUD Section 184 Indian Housing Program

HUD’s Section 184 Loan Guarantee Program is a unique approach to providing Native Americans with access to capital on and off the reservation, by utilizing a public-private sector partnership. The funding for the mortgage is private sector funds and HUD provides the mortgage guarantee. This partnership enables Native American families and tribally designated housing entities (TDHEs) to gain access to sources of private financing. A tribal member who will occupy the property as his/her principal home and has met certain credit and underwriting standards is an eligible borrower. Tribally designated housing entities that may borrow funds for the development of single-family housing and up to four units of multifamily housing. These units are subsequently sold to eligible borrowers. Loans are processed by lenders and reviewed by HUD’s Office of Loan Guarantee in Denver, Colorado. Lenders can be direct endorsement certified. To apply, visit any approved lender (financial institution) and apply for a mortgage loan.

Contact: Edward Vaughan, Native American Program Specialist, U.S. Department of Housing & Urban Development, Northern Plains Office of Native American Programs, Denver, Colorado; Phone: 303-672-5179.

The Montana Board of Housing has over $1,000,000 in recycled mortgage funds to provide the permanent financing for qualifying lower income individuals for single-family homes that are guaranteed by HUD through Section 184 for Native Americans. MBOH worked with local banks, tribal representatives, bond counsel, state and regional HUD officials to get special consideration and guarantees from the Secretary of HUD in Washington D.C. to enable MBOH to participate in this program.

Contact: Charles Brown, Homeownership Program, Montana Board of Housing: 406.841.2850.


HUD Title VI Loan Guarantee Program

HUD’s Title VI Loan Guarantee Program enables TDHEs to leverage current and future Native American Housing Assistance and Self-Determination Act (NAHASDA) dollars to address immediate housing needs on the reservation. The borrower leverages these funds to finance affordable housing activities today by pledging future grant funds as security for repayment of the guarantee obligation. A private lender or investor provides the financing and HUD provides the guarantee to the lender or investor.

Contact: Edward Vaughan, Native American Program Specialist, U.S. Department of Housing & Urban Development, Northern Plains Office of Native American Programs, Denver, Colorado; Phone: 303-672-5179.


Indian Housing Block Grant (IHBG) Program

The Indian Housing Block Grant Program provides grantees with formula based funding allocated to Indian tribes in compliance with the requirements under the Native American Housing Assistance and Self-Determination Act (NAHASDA).  Affordable housing activities under NAHASDA include Indian housing assistance, development, housing services, housing management services, crime prevention and safety activities, and model activities (see 24 CFR 1000, subpart B for more details).

Contact: Lori Roget, Director, Grants Management Division, U.S. Department of Housing and Urban Development, Northern Plains Office of Native American Programs, Denver, Colorado, 303.672.5175.


Tribal Colleges and Universities Program (TCUP)

The purpose of the Tribal Colleges and Universities Program (TCUP) is to build, expand, renovate, and equip tribal colleges and universities, and to expand the role of colleges and universities in the community through the provision of needed services such as health programs, job training, and economic development activities.

Contact: Lori Roget, Director, Grants Management Division, U.S. Department of Housing and Urban Development, Northern Plains Office of Native American Programs, Denver, Colorado, 303.672.5175.


HUD Housing Counseling Grant Program

The objective of this program is to counsel homeowners, homebuyers, and prospective renters and tenants in improving their housing conditions and in meeting the responsibilities of tenancy and homeownership. The uses are to provide a variety of housing counseling services including single family home buying, renting, defaults, foreclosure prevention, credit issues and reverse mortgages. Eligible applicants are qualified public or private nonprofit organizations that can provide special competence and knowledge counseling for low- and moderate-income families. The program has no matching fund requirements. However, applicants need to demonstrate funding from other resources.

Contact: Patricia Heiser at the Helena Field Office; Phone: 406.449.5050, or toll free at 1.800.569.4287 for the nearest Housing Counseling Agency.


Rural Housing and Economic Development (RHED) Program

The objective of this program is to expand the supply of affordable housing and access to economic opportunities in rural areas. Grants can be used for capacity building, and support for innovative housing and economic development activities. Eligible applicants are rural nonprofit organizations and community development corporations, federally recognized tribes, state housing finance agencies, and state community and economic development agencies.

Contact: Erik Amundson, U.S. Department of Housing & Urban Development, Helena Field Office; Phone: 406.447.1488; Fax: 406.449.5052; website: http://www.hud.gov/energy/.


U.S. Department of Veterans Affairs (VA) Guaranteed Home Loans for Veterans

The VA guarantees loans made by mortgage lenders to eligible military veterans, active duty military service members, certain members of the National Guard and Selective Reserves, and certain un-remarried surviving spouses of deceased veterans. The purpose of a VA Guaranteed loan can be to purchase, build, or improve personal residences, or to refinance an outstanding mortgage on a home. Properties securing VA loans must meet acceptable Minimum Property Standards. The VA does not require a down payment and the maximum loan amount is determined by the lesser of the appraised value or the cost of the home. "Cash out refinance loans" are limited to 90% of the appraised value of the home. Applicants must be determined to be a satisfactory credit risk and have sufficient income to repay the loan and certify that they intend to occupy the property as their permanent place of residence.

To apply for a Certificate of Eligibility for VA Loan Guaranty Benefits, a veteran should complete a Request for Determination of Eligibility, VA Form 26-1880, and submit it with proof of military service to the VA Eligibility Center, PO Box 20729, Winston-Salem, NC 27120. Their overnight mail address is: 251 North Main Street, Winston-Salem, NC 27155. The e-mail address for Winston-Salem is: ncleligib@vba.va.gov. (Note: If the veteran is working with a mortgage lender, the lender may request the Certificate of Eligibility electronically.) Further information about VA loans is also available. Visit the lender training website at: www.vba.va.gov/ro/denver/loan/lendertraining.htm.

Contact: Loan Production, VA Regional Loan Center, Box 25126, Denver, CO 80225-0126; or toll-free: 888.349.7541, option 2.

HUD/FHA Mortgage Insurance and Conversion Programs

The Federal Housing Administration (FHA), which is part of HUD, helps homebuyers become homeowners through its mortgage insurance programs. An FHA insured loan is available to anyone with a satisfactory credit record, an income sufficient to afford the mortgage payments, and adequate savings to cover a low down payment and closing costs. Homebuyers wishing to obtain an FHA insured mortgage should contact any FHA approved lending institution such as a bank, mortgage company, savings and loan, or credit union.


Section 203B Insured Loans

This program is limited to owner occupant buyers for the purchase of a new or existing one-to-four unit dwelling. The down payment requirement is 3% of the purchase price or appraised value, whichever is lower.

The maximum mortgage FHA can insure depends on local housing prices. For example, the maximum mortgage can range from a low of $200,160 to $384,936, depending on the number of units in the dwelling and the county in which it is located. Contact a lender for information on maximum mortgage limits in your area and to apply for an FHA insured mortgage. The loan limits on 203B loans change each year. Contact the Helena office for the updated loan limit information.

Contact: Patricia Heiser, HUD/FHA – Helena Field Office; Phone: 406.449.5050; Fax: 406.449.5052.


Section 203K Substantial Rehabilitation Insured Loans

This program allows an owner occupant or investor to finance the purchase of a property in need of major repairs, or to refinance an existing loan and needed repairs. Using a 203K insured mortgage, the borrower can get one mortgage loan at a long-term fixed (or adjustable) rate to finance the purchase price of the property as well as the cost of repairs. The benefit to the lender is that the loan is FHA insurable at closing, before any repairs are started. The benefit to the borrower is that only one loan is necessary to purchase and repair the home. Without 203K, a purchaser would likely have to obtain one loan to purchase the property, another loan to do the repairs and another permanent mortgage when the work was completed to pay off the interim loans with the permanent mortgage.

The program is flexible. It can be used to improve an existing one-to-four unit dwelling in any of the following ways:

  • Buy a home and remodel
  • Refinance your present home and remodel
  • Buy a house and move it onto a new foundation on another property
  • Place a manufactured home (built after 6/15/76) on a permanent foundation
  • Convert a single family home to a 2- to 4-unit property
  • Remodel a multi-unit property to a single family home
  • Rebuild a damaged or demolished home if the existing foundation is acceptable

For example, the 203K can be used to remodel a kitchen, add a bathroom, finish a basement, build a new garage, install new siding, drill a well, replace a septic system, update the plumbing, heating or electrical systems, repair or replace a roof, install new flooring, install energy efficiency items, or other types of remodeling. Contact a lender for information on maximum mortgage limits in your area and to apply for an FHA 203K insured mortgage.

Contact: Patricia Heiser, HUD/FHA – Helena Field Office; Phone: 406.449.5050; Fax: 406.449.5052.


“Streamline (K)” Limited Repair Program

The “Streamline (K)” program is intended to assist homeowners with basic minor repairs costing up to $35,000. The Streamline (K) program is a modification of the 203(K) program to facilitate purchase transactions in which the property needs minor rehabilitation work, as identified in a pre-purchase home inspection or FHA appraisal. Unlike the standard 203(K) program, any approved mortgage will allow for acquisition and from $0 to $35,000 in the loan proceeds to be applied toward repair/rehabilitation of the property.

Contact: Patricia Heiser, HUD/FHA - Helena Field Office; Phone: 406.449.5050; Fax: 406.449.5052.


Home Equity Conversion Mortgages (HECM)

Homeowners, age 62 and older, who have paid off their mortgages or have only small mortgage balances remaining, are eligible to participate in HUD's reverse mortgage program. The program allows homeowners to borrow against the equity in their homes. Homeowners can receive payments in a lump sum, on a monthly basis (for a fixed term or for as long as they live in the home), or on an occasional basis as a line of credit. Homeowners whose circumstances change can restructure their payment options.

Unlike ordinary home equity loans, a HUD reverse mortgage does not require repayment as long as the borrower lives in the home. Lenders recover their principal, plus interest, when the home is sold. The remaining value of the home goes to the homeowner or to his or her survivors. If the sales proceeds are insufficient to pay the amount owed, HUD will pay the lender the amount of the shortfall. The FHA collects an insurance premium from all borrowers to provide this coverage.

The size of reverse mortgage loans is determined by the borrower's age, the interest rate, and the home's value. The older a borrower, the larger the percentage of the home's value that can be borrowed. For example, based on a loan at 9% interest, a 65-year-old could borrow up to 26% of the home's value, a 75-year-old could borrow up to 39% of the home's value, and an 85-year-old could borrow up to 56% of the home's value.

There are no asset or income limitations on borrowers receiving HUD's reverse mortgages. There are also no limits on the value of homes qualifying for a HUD reverse mortgage. However, the amount that may be borrowed is capped by the maximum FHA mortgage limit for the area. As a result, owners of higher-priced homes cannot borrow any more than owners of homes valued at the FHA limit.

HUD's reverse mortgage program collects funds from insurance premiums charged to borrowers. Senior citizens are charged 2% of the home's value as an up-front payment plus one-half percent on the loan balance each year. These amounts are usually paid by the lender and charged to the borrower's principal balance. Contact a lender for information on maximum mortgage limits in your area and to apply for a HUD/FHA Home Equity Conversion mortgage.

Contact: Patricia Heiser, HUD/FHA – Helena Field Office; Phone: 406.449.5050; Fax: 406.449.5052.


HUD Center for Faith-Based and Community Initiatives

In order to ensure that all eligible organizations are treated equally in the grant application process, HUD has made historic changes to its regulations. HUD is dedicated to ensuring that stakeholders inside and outside of HUD are well educated about the changes in regulations that allow faith-based groups to participate. There is no separate pot of money for the Faith-Based and Community Initiative. The key to the initiative is to provide access for faith-based and community groups to apply for federal grants or grants from entitlement communities. The intent of the program is to "level the playing field" so that all nonprofit groups, including faith-based groups, are treated equitably and fairly. The idea is to make federal grants "faith-friendly” but not to give a preference to faith-based groups. Note: Faith-based and community groups are "competing" for federal or local grants and must have the expertise and capacity to deliver the services or product for which the funding is intended. A Tool Kit for Montana Faith Based and Community Organizations is available at http://www.hud.gov/local/shared/working/r8/fbci/index.cfm?state=mt

Contact: Erik Amundson, U.S. Department of Housing & Urban Development, Helena Field Office; Phone: 406.447.1488; Fax: 406.449.5052; website: http://www.hud.gov/energy/.


STATE HOUSING PROGRAMS

MONTANA BOARD OF HOUSING (MBOH) PROGRAMS

The Montana Board of Housing was created by the Montana Housing Act of 1975 in order to alleviate the high cost of housing for low-income persons and families. The funds to operate the programs administered under the act are generated either through the sale of tax-exempt bonds or from administrative fees. MBOH receives no state funds to operate the programs. MBOH programs fall into three categories: homeownership, multifamily, and elderly programs.

 

Homeownership Programs


Homeownership Mortgage Program

MBOH finances this program through the sale of tax-exempt bonds it issues. Because of the tax-exempt status of the bonds, MBOH is able to loan the funds to low- to moderate-income individuals in the form of low-interest loans. While the program is mainly to assist first time homeowners, in certain targeted areas, the borrowers need not be first time purchasers. The home must be owner-occupied with limited business use. Income and purchase price limits apply for the area of Montana where the house is located.

Contact: Charles Brown, Homeownership Program, Montana Board of Housing: 406.841.2850.  http://housing.mt.gov/About/homeownership.default.mcpx.


Set-aside Homeownership Mortgage Program

MBOH makes mortgage funds available through recycled mortgage prepayments and other funds held under prior bond issues of the Single Family Bond Program. MBOH works in partnership with local nonprofit housing providers and local governments to develop programs to target specific housing needs within the local community. MBOH provides permanent, 30-year mortgage financing, often coupled with federal grants or local funds, to make homeownership more affordable for lower income individuals and families. Applications from organizations are submitted monthly through MBOH’s "Request for Proposal” process.

Contact: Charles Brown, Homeownership Program, Montana Board of Housing: 406.841.2850.


Disabled Accessible Affordable Homeownership Program

MBOH sets aside funds to provide affordable, architecturally accessible homes for people with disabilities such that they can live independently. An eligible home buyer, spouse, child, or parent must have a permanent physical disability with a mobility impairment, may not have an annual income in excess of $30,000 after qualified medical deductions, or total family assets exceeding $50,000, and must be a first time home buyer or had purchased a home prior to becoming disabled that is no longer accessible to their needs.

Contact: Doug Jensen, Homeownership Program, Montana Board of Housing: 406.841.2854.  http://housing.mt.gov/About/homeownership/disabled.mcpx.


Mortgage Credit Certificate (MCC) Program

The Mortgage Credit Certificate Program allows eligible homebuyers to receive a dollar for dollar reduction in their federal income taxes of up to 20% of the annual interest paid on their mortgage. Borrowers can file an amended withholding statement with their employer and increase their monthly take-home pay by the amount of the credit. Lenders can use the additional income to help qualify the borrower for a loan. The MCC can be attached to any loan statewide, except for a loan financed through an MBOH loan. The qualifications are identical to the Homeownership mortgage program. 

Contact: Jeannene Maas, Homeownership Program, Montana Board of Housing: 406.841.2851.  http://housing.mt.gov/About/homeownership/MCC.mcpx.


Montana House™ Program

The Montana House™ program is a collaboration between the Montana Board of Housing, the Blackfeet Housing Authority, Blackfeet Manpower, and the Fort Belknap College. MBOH provides the building materials for the homes and students build the homes as part of their vocational training curriculum.

The Montana House launches a new era in affordable housing. The Montana House is a new home that is available in four different floor plans; 960 sq ft, or 1008 sq ft, (with 2-bedrooms, 1 bath), and 1200 sq ft, or 1400 sq ft (with 3-bedrooms, 2-baths). Each home features 2x6 exterior walls with R-19 insulation, quality vinyl windows, oak kitchen and bath cabinets and energy efficient gas forced air furnace. The home comes complete except for appliances and flooring, which the homebuyer provides. The homebuyer is also responsible for the lot, foundation, moving from the building site, placement on the foundation and utility hook-ups and fees. NeighborWorks Montana provides technical assistance for these functions.

Interested homebuyers need to submit an application to NeighborWorks Montana. Eligibility criteria apply, including completion of an approved homebuyer education class.

Contact: NeighborWorks Montana (formerly Montana HomeOwnership Network [MHN]), Great Falls: (toll free) 866.587.2244

--or--

Doug Jensen, Homeownership Program, Montana Board of Housing: 406.841.2854.  http://housing.mt.gov/About/homeownership/montanahouse.mcpx.


 

Multifamily Programs


General Obligation (GO) Multifamily Rental Program

This program provides mortgage financing to owners of qualifying housing when the owner agrees to restrict the rents to a specific amount and to rent only to tenants below a maximum income level (generally 60% of median income). Currently this program is financing the permanent loans for projects, which receive multiple sources of funding through other programs, where rents on the projects are affordable to very low-income state residents.

Contact: Mary Bair, Multifamily Program Manager, Montana Board of Housing: 406.841.2845 


HUD/Housing Finance Agency Risk-Sharing

On June 13, 1994, MBOH received final approval from HUD to participate in the Risk Sharing program. The Risk Sharing Program works in partnership with HUD, whereby HUD provides mortgage loan insurance and MBOH provides financing, mortgage underwriting, and loan management for affordable housing, and the two entities share the risk of loss from a project default. MBOH intends to finance the program through the sale of tax-exempt multifamily bonds.

Contact: Mary Bair, Multifamily Program Manager, Montana Board of Housing: 406.841.2845.


Housing Montana Fund

This program provides financing to owners of qualifying housing when the owner agrees to restrict the rents to a specific amount, and to rent only to tenants below a maximum income level. Down payment assistance and rental assistance can also be obtained through this fund. Currently this program does not have a permanent funding source and has limited funds available.

Contact: Mary Bair, Multifamily Program Manager, Montana Board of Housing: 406.841.2845.


 

Reverse Annuity Mortgage (RAM) Loan Program

The RAM program enables senior Montanans to use their home equity for an additional income source. The funds may be used for home repairs or improvements, medicine, utility costs, etc. Eligibility is subject to age and income requirements. Borrowers are required to complete a reverse annuity mortgage counseling program. Loans can be from $15,000 to a maximum of $150,000. The maximum loan amount is based on 80% of the FHA appraised property value. Loans are offered at a five percent interest rate.

Contact: Todd Jackson: 406.841.2852, Multifamily Program; Montana Board of Housing: 406.841.2840, or toll-free 800.761.6264.  http://housing.mt.gov/HORAMWhat

MONTANA BOARD OF INVESTMENTS (MBOI) PROGRAMS


Residential Mortgages

The MBOI invests pension funds in Montana mortgages by purchasing loans from approved lenders. The general parameters for MBOI mortgage loans are:

  • Interest rates, effective for a one-week period, are posted each Thursday.
  • Interest rates may be locked in for a 30 and 60 calendar day reservation period during the one-week posting period.
  • Interest rates may be locked for a 180 and 240 calendar day reservation period at the rate during the one-week posting period for take-out loans on residences under construction.
  • Conventional loans shall be submitted by means of Automated Underwriting through Federal Home Loan Mortgage Corporation (FHLMC) or Fannie Mae only, subject to the MBOI’s criteria.
  • Reservations and applications specific to the MBOI’s residential loan program will be accessed through the Montana Board of Housing “Lender on Line” loan reservation system.
  • Residential loans must be secured by property owned by fee simple interest and located in Montana.
  • Maximum loan term is 30 years and each loan must be amortized monthly over the loan term.
  • FHLMC underwriting guidelines are used to evaluate all conforming conventional loans.
  • FHA insured and VA guaranteed loans will be accepted with approved insurance or guarantee. Automated underwriting is not required for FHA/VA applications and may be submitted through the Montana Board of Housing “Lender on Line” loan reservation system.

Investor properties and Jumbo loan applications are not eligible for purchase.

For loans requiring private mortgage insurance after July 29, 1999, MBOH will consider cancelation when the Homeowners Protection Act and/or FHLMC guidelines have been met.

Contact: Charles Brown, Homeownership Program, Montana Board of Housing: 406.841.2850.

MONTANA DEPARTMENT OF ENVIRONMENTAL QUALITY (MDEQ)


Energy and Pollution Prevention Bureau (EPPB)

The MDEQ Energy and Pollution Prevention Bureau has a long history of providing non-enforcement assistance to enhance energy efficient upgrades, operation and management of energy and recycling for public buildings (state, county, and municipal).

The EPPB is responsible for improving energy efficiency and increasing use of renewable energy for power generation and transportation fuels; preventing pollution of air and water; reducing the amount of waste going into landfills; increasing recycling markets; and planning for energy emergencies.

Through these activities, the MDEQ has worked with schools, state and local governments in energy efficiency and pollution prevention programs.

Types of technical services include:

  • Helping identify buildings that need energy efficiency work
  • Identifying areas of improvement within a building
  • Providing training on utility bill analysis and utility deregulation issues
  • Providing information on state and regional programs which can assist in the implementation of energy efficient energy improvements and renewable energy
  • Providing assistance in preparing equipment specification language for bids and other procurement processes
  • Benchmarking energy use of buildings and providing information on incorporating energy efficiency options in new building design
  • Evaluating new technologies applicable for Montana schools
  • Assisting procurement and negotiation in energy performance contracting
  • Alternative energy project loans
  • Mini-operation and maintenance (O&M) contracts
  • Identifying recycling options and helping to initiate
  • Identifying energy analysis options (i.e., commissioning, energy studies, etc.) and helping develop a scope of work
  • Providing training on energy conservation measures and quality control, energy analysis options, energy performance contracting, benchmarking energy use, O&M, recycling and Montana Energy Code.

Some services are available for public housing as well.

Contact: Brian Green, Program Manager, MDEQ Energy Planning and Technical Assistance Section: 406.841.5230

DEPARTMENT OF HEALTH AND HUMAN SERVICES (DPHHS)


Money Follows the Person (MFP)

MFP is a demonstration program. This program helps Montana shift its long term care system by reducing the use of institutionally based services and increasing the use of home and community based services (HCBS). MFP is focused on helping individuals transition from in-patient facilities to the community.

Contact: Brian Barnes, MFP Housing Coordinator, Department of Health and Human Services: 406.444.0947


OTHER HOUSING PROGRAMS

MONTANA HOME CHOICE COALITION

The Montana Home Choice Coalition is a coalition of Montana citizens with disabilities; service and affordable housing providers; advocates, federal, state, tribal, and local agencies; the housing finance community; Realtors®; and the housing building industry working together to create better community housing choices for people and families with disabilities. A.W.A.R.E., Inc., a statewide Montana nonprofit disability services provider, serves as the lead coordinating agency of the coalition, and sustains the coalition with financial and organizational support. The coalition works on housing issues ranging from homelessness to supportive housing to affordable rentals to homeownership including development and construction, resource development, and education, training, and advocacy. The coalition provides technical assistance on housing financing, accessible housing design, and fair housing issues.

The coalition’s website, www.montanahomechoice.org, provides a comprehensive, one-stop affordable housing information center for the state. It includes information searchable by county on affordable rentals, homeownership, housing development resources, accessible design, fair housing, and demographic information on disability.

The coalition provides persons and families with disabilities pre- and post-purchase housing counseling and referrals to existing community resources around the state. The coalition works to bring additional homebuyer assistance resources to individuals and families with disabilities living in communities across the state. The coalition provides information to prospective homebuyers on various housing resources and opportunities so they can make informed choices about their unique circumstances. The coalition works with homebuyers, their family members and caregivers, lenders, and Realtors® to facilitate the successful achievement of homeownership for persons and families with disabilities. The coalition will also provide housing counseling and advocacy support to individuals with disabilities, and their support teams, on other challenging housing issues they may face.

Contact: Michael O’Neil, Montana Home Choice Coalition / A.W.A.R.E.: 406.449.3120, extension 11; Fax: 406.449.3125; TTY Relay Service: 800.253.4091.

NEIGHBORWORKS® MONTANA (NWMT)

NeighborWorks® Montana (formerly Montana Homeownership Network) is a partnership of approximately 26 state and local government agencies, local and regional nonprofit corporations, housing industry associations and private lenders who work together to provide housing opportunities in order to stabilize Montana’s communities and allow Montana families to become responsible, successful homeowners. NWMT is a nonprofit organization providing homebuyer education and one-on-one housing counseling, statewide matched savings accounts to be used for homeownership, anti-foreclosure counseling and loans, access to affordable first mortgages and down payment and closing cost funds to qualified homebuyers in all 56 Montana counties. Its partners offer homeless counseling, assistance to disabled homebuyers and safe and inexpensive rental units. Established out of an urgent need, especially in Montana’s rural localities, for home buying assistance for lower- and moderate-income families, NWMT partners provide the following:

  • Homebuyer education, individual homeownership planning and housing counseling (including counseling for foreclosure prevention and home equity mortgages) with funding from HUD and MBOH.
  • Access to first mortgages at discounted interest rates provided by MBOH and USDA-RD. Foreclosure Counseling is funded through the National Foreclosure Mitigation and Counseling Program through NeighborWorks® America.
  • Second mortgages for down payment and closing costs are provided by NWMT with federal, state (including Montana’s HOME program), and private funds. Loans may be deferred or amortized depending on the family income and availability of funds.
  • Foreclosure prevention lending. Foreclosure prevention loans are made by the NWMT office in Great Falls.
  • Mortgage applications and loan closings are processed by financial institutions across the state, and then sent to NWMT for second mortgage approval.
  • Through a matched-savings account, called the IDA program, homebuyers who save $1,000 qualify for a match of up to $4,000 to be used as a down payment on a home.

NWMT also provides pre-development loans for multi-family and single-family developments, including rentals. NWMT works with local partners to create new homes using manufactured housing and to preserve manufactured housing parks in Montana.

Contact: Maureen Rude, Director of Statewide Operations: 866.587.2244.

 

Homebuyer Education Providers/Other Service Providers

Apsaalooke Nation Housing Authority Crow Agency

Phone: (406) 638.7106

Beartooth RC&D

Joliet

Phone: (406) 962.3914

Bitterroot RC&D

Hamilton

Phone: (406) 363.5450

Blackfeet Housing

Browning Phone: (406) 338.5031

Central Montana RC&D

Lewistown Phone: (406) 535.2591
Eastern Plains RC&D Sidney

Phone: (406) 443.2103 x121

Headwaters RC&D Butte

Phone: (406) 782.7333 x303

Homeword Billings

Billings Phone: (406) 255.0298
Homeword Missoula Missoula

Phone: (406) 532.4663 x23

Lake County Community Housing Ronan

Phone: (406) 676.5900

NeighborWorks Great Falls Great Falls

Phone: (406) 761.5861

North Central RC&D Shelby

Phone: (406) 434.9161 x112

NW Montana Human Resources

Kalispell Phone: (406) 758.5452
Rocky Mountain Development Council Helena

Phone: (406) 442.2265

Sanders County Community Housing Thompson Falls

Phone: (406) 370.1649

Salish/Kootenai Housing Pablo

Phone: (406) 675.4491

 

Foreclosure Mitigation and/or Housing Counseling

AWARE/Home Choice Coalition

Helena

Phone:  (406) 449.3120

Consumer Credit Counseling Services Montana

Great Falls Phone: (406) 761.8721
Homeword Missoula Missoula

Phone: (406) 532.4663 x23

Housing Montana

Billings Phone: (406) 294.4663
HRDC Dist. 7 Billings

Phone: (406) 247.4710

Kalispell HRDC Libby

Phone: (406) 293.2712

 

Tribal Housing Partners

Fort Belknap Housing Authority

Harlem

Phone:  (406) 477.6419

Fort Peck Indian Reservation

Poplar Phone: (406) 768.3155
Little Shell Chippewa Tribe Great Falls

Phone: (406) 452.2892

Northern Cheyenne Housing Authority Lame Deer

Phone: (406) 477.6419

Peoples Partners for Community Development Lame Deer

Phone: (406) 477.8911

NEIGHBORWORKS® GREAT FALLS (NWGF)

NWGF is a nonprofit organization whose mission is to create homeownership opportunities for hard-working families in Cascade County and to rebuild historic neighborhoods in Great Falls. NWGF’s services include homebuyer education, housing counseling, and homeownership planning to families of all incomes. NWGF operates a Mutual Self-Help Program where families build their own homes, builds two homes with the Advanced Building Trades students at local high schools and constructs affordable in-fill housing. Through a matched-savings account, called the IDA program, homebuyers saving $1,000 qualify for a match of $4,000 to be used as a down payment on a home.

Contact: Alan Henry, Director of Operations, NeighborWorks Great Falls, 406.761.5861

Homeword

With offices in Missoula and Billings, and project partners across the state, Homeword is committed to providing safe, healthy affordable housing using sustainable methods and promoting strong communities through housing counseling and education for those most in need. With offices in downtown Missoula and Billings, Homeword uses innovative, sustainable, and replicable methods to develop affordable housing and asset-building strategies for those most in need.

Developing Quality Affordable Housing 

Homeword develops innovative approaches to affordable housing, pioneering new "green building" methods and models for building communities. A nationally recognized nonprofit Community Development Corporation, Homeword has helped produce numerous affordable housing units in Missoula and Billings and has helped hundreds of women, children, and families in need. By keeping rents and mortgages affordable, Homeword helps families overcome financial barriers and stabilize their lives. Homeword works with rural Montana communities to build affordable housing and strengthen local capacity to develop and maintain these housing projects.

Implementing a holistic approach to affordable housing, Homeword strives to:

  • Help women and families build equity and control of their housing
  • Use resource and energy efficient construction methods and alternative building materials
  • Utilize local resources for construction
  • Engage residents, neighbors, and community members in the planning and design process
  • Require general contractors to actively seek and hire minority and women-owned businesses
  • Create sustainable development models to ensure durable, well-maintained structures for over 50 years
  • Implement responsible urban planning and design principles
  • Educate families on the home buying process

Homeownership Education and Counseling Services

Homeword believes that homeownership is the cornerstone of family security, stability and prosperity. Homeword works to improve homeownership opportunities for individuals and families by helping them build assets and stabilize their lives. Walk-in Homeownership Centers, located in downtown Missoula and Billings, provide free comprehensive services that help low-income households purchase and retain their first home. A $10 materials fee may apply. Services include:

  • "Get Ready for Homeownership" Class: This 10-hour class provides individuals with interactive education and information about the steps to homeownership. One in three people who participate in this class successfully purchase a home, as compared to the national average of one in seven.
  • Home$tart Down Payment Assistance Program: This program offers low-income families incentive to save towards the cost of down payment and closing costs. In partnership with seven local lending institutions and the Federal Home Loan Bank of Seattle, families receive a 3:1 match in down payment savings, up to $5,000 per household.
  • One-on-one Counseling: Housing counseling is offered to individuals and families by both appointment and walk-ins. Finances are personal and often intimidating; therefore, Homeword staff works to accommodate the desires of each individual or family by arranging housing counseling sessions that address individual needs.
  • Foreclosure Prevention Counseling: Homeword provides HUD-certified Foreclosure Prevention Counseling. This program provides guidance and support to help families prevent foreclosing on their home.
  • Financial Fitness Program: This program is 12.5 hours, meets over a 5-week period, and is a nationally certified personal financial management course for adults. Free childcare, refreshments and door prizes are provided. Participants will learn how to set financial goals, create budgets and savings plans, understand credit reports, make smart borrowing choices, manage debt, make smart insurance and tax choices, and avoid financial pitfalls.

To register for any of the programs or services listed above, call or visit the website: Missoula 406.543.4663 - or - Billings 406.255.0298; www.Homeword.org

Contacts: Missoula: Katherine Sherba or Meghan Powell; 406.532.4663; Billings: Darrell LaMere; 406.255.0298; Executive Director Andrea Davis: 406.532.4663 


RESOURCES

MTHousingSearch.com – FREE to list or search for rental housing

MTHousingSearch.com  is Montana's web-based rental housing locator service. It is free for landlords and property management companies to list affordable rental housing and free for anyone to search for affordable rental housing. Financed by the MDOC’s Montana Board of Housing, the Housing Division, and DPHHS, benefits of this free service include:

  • Add, manage, or find property listings online anytime.
  • Call a toll-free number for assistance by experienced call center staff, also mail, fax and email.
  • Details about property amenities and special features are listed; pictures can be posted.
  • Search for housing to meet very specific needs.
  • Section 8 vacancy listings can be provided to voucher holders.
  • Use mapping feature to find proximity to work, school, shopping, churches, public transport, etc.
  • Find helpful resources listed for tenants and landlords, also links to local programs and agencies, accessibility search helps locate housing with various accommodations for persons with disabilities.
  • Free training available to service providers and agency staff.
  • Less time to find housing, to calculate rent reasonableness.
  • Valuable market and localized community data available.
  • Affordable housing landlords never have to pay to advertise again.
  • Landlords never have to pay to advertise again.
  • No unwanted calls after rent-up.
  • Easier to find your next home; no driving all over town.
  • Users can conduct market comparisons for free.

Go to MTHousingSearch.com  and check it out! Or Call Toll-Free 1.877.428.8844 for assistance. The service includes a bilingual call center and is 100% FREE.  The MTHousingSearch Website is being developed as a tool for use by the State Disaster Housing Task Force.  It features will accomplish two important needs: Immediate access to Housing inventory; Access to information even without website availability.

HOUSING TECHNICAL ASSISTANCE

Available to Any Group or Individual Seeking It.

During discussions about housing issues in the Housing Coordinating Team meetings, it was mutually decided that there is a need for housing-related technical assistance. This need presents itself in two general areas. First, communities or groups that realize they need housing but do not know how to proceed and acquire assistance, and individuals who have a resource to offer towards the affordable housing in their community and do not know how to proceed towards that goal.

A Housing Technical Assistance team was created and a website developed. The process has been formalized for taking calls and for fielding questions about housing needs. In general, we attempt to guide folks through the first steps that they can accomplish on their own, as well as show them where to begin to educate themselves on the programs and funding sources available. At that point, we are able to extract much more meaningful information about their situation and can more specifically gather the necessary program experts to answer questions. The website is housing.mt.gov.  You then click on Community Partners and then Technical Assistance.

The Housing Technical Assistance team is a prime example of using resources more efficiently and wisely. We guide the initial assessment process with a community or individual, we assist them via phone or email at first, and then we organize only the necessary team members required and either travel together to the community or have the group come to us.

We find that most housing projects are costly and complicated. We feel that we serve at least two important functions with our Housing Technical Assistance team; one, we are able to help groups from making costly mistakes, so they use their resources most wisely, and two, we can reassure and motivate groups to keep going when they feel they will never reach their goal.

Contact: Please e-mail if possible to: housingTA@mt.gov (the Montana Department of Commerce). If e-mail is not possible, phone Penny Cope at 406.841.2846. 

Housing White Paper

The first Housing White Paper was developed, printed and distributed in 2008 by the Housing Coordinating Team.  The effort was an attempt to define the problems facing the builders, developers, suppliers, and planners of affordable housing. The hope was that by collaborating on a definition of the problems there would follow a broader understanding and a collective set of solutions.

http://housing.mt.gov/CommunityPartners/Data

Statewide Community Land Trust

 

Trust Montana

The O.P. and W.E. Edwards Foundation awarded NeighborWorks Montana a grant to study the feasibility of establishing a centrally administered, statewide, Montana Community Land Trust (CLT) which will serve rural communities currently outside the established service areas of the existing CLT organizations in Montana. Part of the feasibility study, conducted by the North Missoula Community Development Corporation, included a survey asking housing professionals across the state about their familiarity with the land trust concept and about their interest in learning more.

http://housing.mt.gov/clt

RESOURCES FOR ENVIRONMENTAL ISSUES

 

MOLD


RADON


LEAD


ASBESTOS

THE HUMAN RESOURCE DEVELOPMENT COUNCILS OF MONTANA

In 1963, shortly before he was assassinated, President John F. Kennedy had asked his economic advisors to prepare proposals to address the problem of poverty in America. President Lyndon B. Johnson continued this initiative. In his first State of the Union address, Johnson called for an unconditional war to defeat poverty and ultimately prepared the Economic Opportunity Act of 1964, which became law that same year.

The Act authorized a variety of programs including Head Start, the Job Corps, VISTA, and Community Action Agency programs. Congress slowly appropriated funding to match the Act's initiatives. Beginning in 1981, many CAA agency programs were funded through federal Community Service Block Grant (CSBG) dollars, which are awarded and monitored by state agencies.

The Community Action Agency component of this legislation was modeled on two successful urban renewal projects both of which emphasized active participation by low-income citizens.

Community Action Agencies are committed to:

  • Prioritize prevention of poverty
  • Address the causes of poverty
  • Involve the community
  • Improve the community
  • Create opportunity

Community Action Agency response to clients is designed to be:

  • Flexible
  • Coordinated
  • Directed to long-term client development

http://housing.mt.gov/CommunityPartners/HRDC


Districts I, II, III - Action for Eastern Montana

Location:  2030 North Merrill Avenue, Glendive MT 59330-1309

Mailing Address:  PO Box 1309, Glendive MT 59330-1309

Phone: (406) 377-3564

Toll Free:  1-800-227-0703

Fax: (406) 377-3570

Website:  http://www.aemt.org

Serving:  Carter, Custer, Daniels, Dawson, Fallon, Garfield, McCone, Phillips, Powder River, Prairie, Richland, Roosevelt, Rosebud, Sheridan, Treasure, Valley, and Wibaux counties.


District IV - Human Resource Development Council

Location:  229 5th Avenue, Havre MT 59501

Phone: (406) 265-6743

Toll Free:  1-800-640-6743

Fax:  (406) 265-1312

Website:  http://www.hrdc4.org

Serving:  Blaine, Hill, and Liberty counties.


District V - Opportunities Inc.

Location:  905 1st Avenue N, Great Falls MT 59403-2289

Mailing Address:  PO Box 2289, Great Falls MT 59403-2289

Phone: (406) 761-0310

Toll Free:  1-800-326-0955

Fax: (406) 761-0363

Website:  http://www.gfoppinc.org

Serving: Cascade, Chouteau, Glacier, Pondera, Teton, and Toole counties.


District VI - Central Montana HRDC

Location:  Suite 203 Centennial Plaza, 300 First Ave. North, Lewistown MT 59457

Phone: (406) 535-7488

Toll Free:  1-800-766-3018

Fax:  (406) 535-2843

Website:  http://www.hrdc6.org

Serving:  Fergus, Golden Valley, Judith Basin, Musselshell, Petroleum, and Wheatland counties.


District VII - Human Resource Development Council

Location: 7 N. 31st Street, Billings MT 59103

Mailing Address:  PO Box 2016, Billings MT 59103

Phone: (406) 247-4710

Toll Free:  1-800-433-1411

Fax: (406) 248-2943

Website:  http://hrdc7.org

Serving: Big Horn, Carbon, Stillwater, Sweet Grass, and Yellowstone counties (except that portion lying within 10 miles of the City of Billings).


District VIII - Rocky Mountain Development Council

Location:  200 South Cruise Avenue, Helena MT  59601

Mailing Address:  PO Box 1717, Helena MT  59624-1717

Phone:  (406) 447-1680

Toll Free:  1-800-356-6544

Fax:  (406) 447-1629

Website:  http://rmdc.net

Serving:  RMDC primarily services Lewis & Clark, Broadwater, and Jefferson counties. Individual programs within the agency provide services in additional counties predominantly throughout southwestern Montana.


District IX - Region 9 HRDC

Location:  32 South Tracy Avenue, Bozeman MT 59715

Phone: (406) 587-4486

Toll Free:  1-800-332-2796

Fax:  (406) 585-3538

Website:  http://www.thehrdc.org

Serving:  Gallatin, Meagher, and Park counties.


District X - Community Action Partnership of Northwest Montana

Location:  214 Main St., Kalispell, MT 59904

Mailing Address:  PO Box 8300, Kalispell, MT 59904

Phone: (406) 758-5477

Toll Free:  1-800-344-5979

Fax: (406) 257-7283

Website:  http://www.capnm.net/

Serving:  Flathead, Lake, Lincoln, and Sanders counties


District XI - Human Resource Council

Location:  1801 South Higgins, Missoula MT 59801

Phone:  (406) 728-3710

Fax:  (406) 728-7680

Branch Office:  303 N. Third Street, Hamilton, MT 59840

Phone:  (406) 728-3710

Fax:  (406) 728-7680

Website:  http://www.hrcxi.org

Serving:  Mineral, Missoula, and Ravalli counties.


District XII - Human Resource Council

Location:  700 Casey Street, Butte, MT 59701

Mailing Address:  PO Box 3486, Butte, MT 57901

Phone: (406) 533-6855

Toll Free:  1-800-382-1325

Fax:  (406) 533-6883

Website:  http://www.hrc12.org

Serving:  Beaverhead, Deer Lodge, Granite, Madison, Powell and Silver Bow counties.

 

Public Housing Authorities in Montana

Anaconda Housing Authority

10 Main Street
PO Box 1350
Anaconda MT 59711

Phone: (406) 563.2921
Billings Housing Authority

2415 1st Ave N
Billings MT 59101

Phone: (406) 245.6391
Blackfeet Housing Authority

PO Box 790
Browning MT 59417

Phone: (406) 338.5031
Butte Housing Authority

220 Curtis Street
Butte MT 59701

Phone: (406) 782.6461
Chippewa-Cree Housing Authority

RR1 Box 567
Box Elder MT  59521

Phone: (406) 395.4370
Confederated Salish & Kootenai Housing Authority

PO Box 38
Pablo MT  59855

Phone: (406) 675.4491
Crow Tribal Housing Authority

PO Box 99
Crow Agency MT  59022

Phone: (406) 638.2665
Dawson County Housing Authority

PO Box 212
Glendive MT  59330

Phone: (406) 433.1978
Fort Belknap Housing Authority

Route L
PO Box 61
Harlem MT  59526

Phone: (406) 353.2601
Fort Peck Housing Authority

PO Box 667
Poplar MT  59255

Phone: (406) 768.5254
Glasgow Housing Authority

435 Division Street
PO Box 1126
Glasgow MT  59230

Phone: (406) 228.4942
Great Falls Housing Authority

1500 6th Ave. S
Great Falls MT  59405

Phone: (406) 453.4311
Helena Housing Authority

812 Abbey Street
Helena MT  59601

Phone: (406) 442.7981
Miles City Housing Authority

City Hall, 17 S 8th
Miles City MT  59301

Phone: (406) 234.3433
Missoula Housing Authority

1235 34th St.
Missoula MT  59801

Phone: (406) 549.4113
Montana Department of Commerce

301 S Park Ave.
PO Box 200545
Helena MT  59620

Phone: (406) 841.2804
Northern Cheyenne Housing Authority

PO Box 327
Lame Deer MT  59043

Phone: (406) 477.8271
Richland Housing Authority

1032 6th Street SW
Sidney MT  59270

Phone: (406) 443.1978
Ronan Housing Authority

319 Main SW
PO Box 128
Ronan MT  59864

Phone: (406) 676.5900
Whitefish Housing Authority

100 Fourth Street E
Whitefish MT  59936

Phone: (406) 862-4143

COMMUNITY HOUSING DEVELOPMENT ORGANIZATIONS (CHDO)

At least 15 percent of HOME Investment Partnerships Program (HOME) funds must be set aside for specific activities to be undertaken by a special type of nonprofit called a Community Housing Development Organization (CHDO). A CHDO is a private nonprofit, community-based organization that has staff with the capacity to develop affordable housing for the community it serves. In order to qualify for designation as a CHDO, the organization must meet certain requirements pertaining to their legal status, organizational structure, and capacity and experience.

With Participating Jurisdiction (PJ) approval, CHDOs may use HOME funds for all eligible HOME activities. However, in order to count towards the 15 percent set-aside, a CHDO must act as the owner, developer, or sponsor of a project that is an eligible set-aside activity. These eligible set-aside activities include: the acquisition and/or rehabilitation of rental housing; new construction of rental housing; acquisition and/or rehabilitation of homebuyer properties; new construction of homebuyer properties; and direct financial assistance to purchasers of HOME-assisted housing that has been developed with HOME funds by the CHDO.


District 3

District 3 Counties: Big Horn, Carbon, Cascade, Choteau, Fergus, Glacier, Golden Valley, Judith Basin, Musselshell, Petroleum, Pondera, Stillwater, Sweet Grass, Teton, Toole, Wheatland, & Yellowstone

NeighborWorks

  • Contact: Maureen Rude, Director of Operations Address: 509 1st Ave S. Great Falls MT 59401 Phone: (406) 761.5861  Phone (Helena): (406) 458.8704
  • Program Boundaries: Cascade County (outside limits of incorporated cities/towns)
  • Eligible Activities: Homebuyer down payment and closing cost assistance

District 4

District 4 Counties: Broadwater, Flathead, Gallatin, Jefferson, Lake, Lewis & Clark, Lincoln, Meagher, Park, & Sanders

District IV HRDC

  • Contact: Caren Couch  Address: 32 S Tracy Ave. Bozeman MT 59715 Phone: (406) 587.4866 
  • Program Boundaries: Gallatin County, Meagher County, Park County
  • Eligible Activities: Homebuyer rehabilitation

NeighborWorks

  • Contact: Maureen Rude, Director of Operations Address: 509 1st Ave S. Great Falls MT 59401 Phone: (406) 761.5861  Phone (Helena): (406) 458.8704
  • Program Boundaries: Columbia Falls City limits, Kalispell City limits, Flathead County (outside limits of incorporated cities/towns), Lake County, Lewis & Clark County (outside limits of incorporated cities/towns), Lincoln County
  • Eligible Activities: Homebuyer down payment and closing cost assistance

District 5

District 5 Counties: Beaverhead, Deer Lodge, Granite, Madison, Mineral, Missoula, Powell, Ravalli, & Silver Bow

NeighborWorks

  • Contact: Maureen Rude, Director of Operations Address: 509 1st Ave S. Great Falls MT 59401 Phone: (406) 761.5861  Phone (Helena): (406) 458.8704
  • Program Boundaries: Butte-Silver Bow County
  • Eligible Activities: Homebuyer down payment and closing cost assistance

HOUSING RIGHTS, FAIR HOUSING ADVOCATES, LEGAL ASSISTANCE, AND OTHER RESOURCES

 

MONTANA HUMAN RIGHTS BUREAU

Housed within the Montana Department of Labor and Industry, the Montana Human Rights Bureau receives and investigates allegations of illegal discrimination based on race, sex, creed, color, religion, age, physical or mental disability, marital status and familial status (children under 18 in housing). For more information on Human Rights in Montana and the role of the Human Rights Bureau, see “A Guide to Montana’s Human Rights Laws”: http://erd.dli.mt.gov/human-rights/human-rights-laws.

For more information on housing rights, go to “Housing Discrimination Is Against The Law” at http://erd.dli.mt.gov/human-rights/montana-human-rights-laws/housing-discrimination.html, which includes links for the following brochures:

Website:      http://erd.dli.mt.gov/human-rights

Telephone:   406.444.2884 or 800.542.0807

Address:     1625 11th Avenue; P.O. Box 1728; Helena, MT 59624-1728


U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD)

The HUD Office of Fair Housing and Equal Opportunity, also known as FHEO (www.hud.gov/offices/fheo/aboutfheo/aboutfheo.cfm ), administers federal laws and establishes national policies that make sure all Americans have equal access to the housing of their choice. If you feel your rights have been violated, the HUD Housing Discrimination Complaint Form is available for you to download, complete and return, or complete online and submit: www.hud.gov/complaints/housediscrim.cfmis

You may also write HUD a letter or telephone the Denver Regional Office of FHEO. You have one year after an alleged violation to file a complaint with HUD, but you should file it as soon as possible.

Website:         www.hud.gov/complaints/housediscrim.cfm

Telephone:      303.672.5437 or 800.877.7353 or TTY 303.672.5248

Address:         Denver Regional Office of FHEO; U.S. Department of Housing and Urban Development; 1670 Broadway; Denver, CO 80202-4801


MONTANA PUBLIC INTEREST RESEARCH GROUP (MontPIRG)

This website and hotline, staffed during the school year only, are available to Montanans looking for information on Tenant/Landlord rights and responsibilities. First visit the website for information, then if you need more assistance call or email:

Website:         www.montpirg.org/

Email:            Tenant-Landlord Hotline: mthotline@pirg.org

Telephone:     Tenant-Landlord Hotline: 888.345.7474 outside of Missoula; or 406.243.2907 in Missoula


MONTANA LANDLORDS ASSOCIATION (MLA)

Based in Helena, the MLA is a nonprofit trade association. The MLA offers a variety of services to improve and support the residential landlord/tenant industry in Montana, providing members with timely information about industry developments, educational opportunities, and membership benefits. MLA provides tenants with information and resources that assist them in understanding rental agreements and the laws governing the landlord/tenant relationship.

State President:               Gene Thompson

Eastern Vice President:    Darwin Zellmer

Western Vice President:   Ron Tippet

Website:       http://www.mlaonline.org/

Email:          ContactUs@mlaonline.org

Telephone:   Statewide Hotline: 406.449.1121


MONTANA FAIR HOUSING

Montana Fair Housing is dedicated to the reduction and eradication of housing discrimination in Montana. This private, nonprofit organization provides fair housing information and support to consumers and industry representatives, responds to inquiries and discriminatory housing complaints, and investigates allegations of housing discrimination across Montana. For more information, visit their website.

Website:         www.montanafairhousing.org

E-mail:            inquiry@montanafairhousing.org

Telephone:     406.782.2573 or 800.929.2611

Address:          519 E. Front Street; Butte, MT 59701


CITY OF GREAT FALLS FAIR HOUSING

The City of Great Falls Fair Housing Office promotes fair housing by providing fair housing, landlord, and tenant information. The office, located in the Great Falls Civic Center, is open 7:30 a.m. - 4:30 p.m., Monday through Friday.

Contact:          Terry Youngworth, City of Great Falls Fair Housing Specialist

E-mail:            tyoungworth@greatfallsmt.net

Telephone:      406.455.8418 or 406.453.4311 ext. 319

Address:         Civic Center; Community Development Department; P.O. Box 5021; Great Falls, MT 59403


MONTANA LEGAL SERVICES ASSOCIATION

Montana Legal Services Association provides free legal assistance in civil cases to low-income Montanans. Visit the website below or call the statewide hotline to learn more about the services they provide and their eligibility requirements. Montana Legal Services also runs a website with helpful legal information for low- to moderate-income Montanans. If you would like more information on your legal rights visit their website.

Website:         http://www.mtlsa.org/   

Telephone: Western Montana: 800.926.3144 or 800.666.6899   Eastern Montana: 800.999.4941


Montana Home Choice Coalition

The Montana Home Choice Coalition is a coalition of Montana citizens, advocates, providers, federal, state, tribal, and local agencies, the housing finance community, Realtors, and the home-building industry working together to create better community housing choices for all people with disabilities.

Website:         www.montanahomechoice.org  

Email:             montanahomechoice@aware-inc.org

Telephone:      406.449.3120

Address:         616 Helena Ave Suite 305, Helena, MT 59601


Disability Rights Montana

Disability Rights Montana (formerly Montana Advocacy Program’s) mission is to protect and advocate for the human, legal, and civil rights of Montanans with mental and physical disabilities while advancing dignity, equality, and self-determination. Disability Rights Montana operates several protection and advocacy programs for persons with disabilities. Disability Rights Montana provides information and referral services and they will answer any questions you have about your rights. To contact Disability Rights Montana, phone between 9 am -5 pm. To learn more about their services, visit their website.

Website:          www.disabilityrightsmt.org   

Email:             advocate@disabilityrightsmt.org 

Telephone:      Call between 9:00 am and 5:00 pm weekdays.

                      Voice/TDD: 406.449.2344 or 800.245.4743

Fax:               406.449.2418

Address:        1022 Chestnut Street, Helena, MT 59601


Montana People’s Action

As “the voice of low-income Montanans,” Montana People’s Action (MPA) provides informational and referral services in housing matters. MPA members can accompany you to meetings with landlords or provide other assistance you might need in locating and attaining housing that meets your needs. MPA has two offices in Missoula and Billings, but they also have a statewide network of members. Visit their website or contact them for more information on their resources and services.

Website:         http://fulfillingthedreamfund.org/grantees/montana-peoples-action

Email:             mpa@mtpaction.org

Missoula Office:

  • Telephone:     406.728.5297
  • Fax:              406.728.4095
  • Address:        208 E. Main; Missoula, MT 59802

Billings Office:

  • Telephone:     406.245.6106
  • Fax:              406.248.3400
  • Address:        822 Third Ave. N., Ste 210; Billings, MT 59101

Billings Community Housing Resource Board

Serving Billings only, the Billings Community Housing Resource Board (CHRB) is a nonprofit organization that promotes fair and affordable housing through education and community outreach. The Billings CHRB provides trainers, speakers, brochures, a website, and more to help the Billings community understand and fulfill its citizens’ rights to fair housing. Visit their website or contact them by email to learn more about their resources on fair housing, first time home buying, landlord and tenant responsibilities, and community resources for affordable housing.

Website:         www.billingschrb.org

Email:             chrb@mcn.net

Telephone:      406.256.9355

Address:         PO Box 20126; Billings, MT 59104


Montana's Landlord Tenant Act

Information on Montana's Landlord Tenant Act can be found at:

http://housing.mt.gov/Includes/S8/03LLTAct.pdf  


MontanaLawHelp.org

MontanaLawHelp.org is devoted to providing legal information and resources to low- and moderate-income Montana residents, but the website information is available to any Montanan: www.montanalawhelp.org/MT/index.cfm   


Bazelon Center for Mental Health Law

Bazelon Center for Mental Health Law: www.bazelon.org/issues/housing/index.htm   


Rights of Persons with Disabilities in Housing

Rights of Persons with Disabilities in Housing, Montana Human Rights Bureau:

http://erd.dli.mt.gov/human-rights/human-rights-laws/persons-with-disabilities  
 

Montana Tobacco Use Prevention Program: Smokefree Housing Project

This state program provides resources free of charge to landlords who want to make their multi-unit buildings smoke free. These resources include free signage, sample policy language and advices on implementation and maintaining compliance.

The program assists tenants seeking smoke free housing, or who would like their existing building to be smoke free.

Information:

http://dphhs.mt.gov/publichealth.mtupp/SFH.aspx

infotobaccofree@mt.gov

(406) 444-7408

SECTION 8 HOUSING ASSISTANCE PROGRAM ONLINE APPLICATION

The Section 8 Housing Assistance Program now has an online application available. This will make applying for this assistance much easier. Apply online at housing.mt.gov and click on the link on the lower left-hand side. It is fast and easy!

The Housing Division has created marketing materials to notify and encourage use of this feature.  Online applications are more efficient, saving time and mailing costs.

Financed by HUD and administered by the MDOC Housing Division, Section 8 housing vouchers allow very low-income families to pay a set amount (currently 30%) towards their rent and utilities, based on gross adjusted income. Very low-income is defined as 50% or less of Median Family Income for the county. Demand for this program exceeds the funds available and there is an extensive waiting list.

List of Nonprofit Organizations in Montana

http://housing.mt.gov/CommunityPartners/NP


HOUSING DIVISION | MONTANA DEPARTMENT OF COMMERCE
301 S. PARK AVE, STE 240 | PO BOX 200528 | HELENA, MT 59620-0528 | P: (406) 841-2840 | F: (406) 841-2841 | TDD: (406) 841-2702 | TOLL FREE: (800) 761-6264


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