Apartments for Cheap

Questions and Answers

Your Questions About Homes For Rent Section 8 Approved

August 20, 2013

Nancy asks…

I recently moved out of my old house with two months rent still owed, what can or cant my old landlord do?

I was recently approved for section 8 housing. I am disabled with end stage renal failure. I have a wife and 5 kids. At first i was attempting to stay at my old house, but after looking around i knew that H.U.D would not approve my home. I told the landlords about my approval with section 8. At first they didn’t want to be a part of it cause they said H.U.D was a pain in the *** to deal with. So we told them we were gonna more or less go with H.U.D since ive been on the waiting list for over a year and a 1/2. We have never been late on our rent once in over 9 months that we lived there, so the landlords call us back and said if H.U.D approves the house they would go for it. Turns out H.U.D would not. But as luck would have it we found a two story 5 bedroom house just recently vacant. Our lease at the old house was already over with. So we jumped on it and moved. The old landlords waited for Section 8 to approve the old house for two months in which we did not pay any rent. After we moved out, they were a bit upset with us not cleaning the house perfectly. And not to mention the two months rent stilled owed. They came up to my wife’s workplace and made a big scene ranting and yelling telling me that they were gonna garnish my wife’s wages cause they couldn’t do me as i am disabled. So tell me what if anything can i do about this? can they sue me or isn’t that what my security deposit covers? This all happened in the state of Colorado.

Administrator answers:

Of course they can sue you. You failed to pay as agreed. The security deposit is not meant for unpaid rent…its for damages to the property.

BTW…you WILL lose your section 8 voucher once you have an eviction and/or judgment for unpaid rent on your record.

Michael asks…

What if a landlord is not responding to my request for her to fill out papers I sent her for rent assistance?

I have rented a house from a person that owns rental property. The only property she owns for rental is the house I’m currently living in. She has hired a management company to oversee the care of this property because she lives several miles away. (I’m in central Iowa, she is on the Canadian border) I have moved here in order to take care of my mother who can no longer take care of herself. She is in poor health and currently resides in a nursing home but will soon be moving into the property with my daughter and I. As any one who has ever moved would know, the work involved takes a lot of time with preparing to move, moving and then settling in. I have virtually stopped working outside the home in an effort to take care of this move myself, as well as to tend to my mothers needs. I have found my financial situation rather meek at this point and have filed for and been approved to receive rent assistance through the Section 8 program in my area. I have sent a small application to the owner of the property we currently reside in with an explanation of what it is and why I need the help. She has not returned the papers to the housing authority as she was instructed to do so. Without these papers, I can not have the unit inspected nor can I receive the assistance. My time is running out and I have become delinquent in my rent because I can not afford to pay the amount set. She doesn’t respond to my e-mails, doesn’t answer the phone when I call, nothing. The management company hasn’t answered the phone for me since the first day I moved into the place. She has sent a 3-day notice to quit about 2 weeks ago but nothing else has happened. What can I do? Can she now decide not to rent to me because of limited income? We have a lease with 7 months left to go. What can I do?
I have added this to reply to those who have already submitted an answer to my question.

Crucial Section 8 Guidelines for Landlord and Tenants
Section 8 Housing Rules

Your Important Section 8 Guidelines Explained in Plain Speaking English

Screening Tenants – You are fully responsible when it comes to choosing your renters so be sure to carry out your tenant screening and credit checks carefully.

Rejecting Tenants – According to Section 8 housing rules, you are not allowed to refuse and discriminate someone as your tenant just because they are Section 8 tenants. You should always screen just like all other tenants and then decide if they are right for your rental property.

Does this apply only if my landlord is already a Section 8 landlord?

I found this information at
Propertyd.com

Administrator answers:

You are looking at information for Massachusetts. Iowa has no laws requiring a landlord to take section 8, MA is the only state that requires this.

You are about to be evicted anyway, you had no right to keep the landlords money. Once you are evicted no one else is going to rent to you, they will know that you feel entitled to other peoples pay checks.

George asks…

Can I get approved for a home loan?

My fiance and myself are in a frustrating situation, and we’re about at the end of our rope. We live in Minnesota, the metro area, and we’re considering purchasing a home versus renting for reasons I will mention later. We both make $26,000 a year, her credit score is in the low 600′s while my credit score is in the mid 700′s. I have limited rental history (just a year) and she has a deeper rental history, but she also has a foreclosure that is nearly 3 years old now.

With her score and relatively recent foreclosure she is certain she won’t qualify, however with my score I might, but every pre-qualification application and mortgage calculator I use says no lender would approve me for a loan–how can this be? Does it deal more with your income than it does your credit score?

Would we be capable of qualifying on a joint application even with the above-mentioned status? We originally wanted to rent, but we are finding that renting is way too expensive and with 3 children there are few places that allow more than 4 people in an apartment/town-home, and the income restricted apartments have a long waiting list.

We also have no desire to live in a Section 8 area, as we have seen most of them and they are, no offense, complete ghettos that we won’t raise the kids in. Also because we “make too much money” we do not qualify for any assistance. What exactly are we supposed to do?

Is there any hope at all with our salaries that we can qualify for a home around $100,000-$125,000? Share with me your thoughts please! I have tried FHA, and they have no lenders either in my scenario.

Administrator answers:

Oh my! First please don’t give anyone claiming to be a lender on these answers your personal info, being in the industry for over 20 years, they look very suspicious to me.

To answer your question:

Getting a mortgage loan approval involves your credit score AND income AND debt ratio. Your income will not qualify you for a mortgage in the $100k range, it will most likely require both of your incomes to qualify. The good news is that once the foreclosure is 3 years old (there are some programs that require only 2 years) there are several FHA loan programs that you may qualify for.

Mortgage lenders will be looking at both of your scores but will use the lowest of your two middle scores to base your qualification on. If her score is in the 600′s there are prob. Quite a few things that can be done to raise it quickly (such as paying down debt or adding her to one of your cards etc…)

Find a local mortgage lender that is familiar with people in your situation and schedule and appointment with them. Bring a copy of each of your credit reports and scores from the three main credit reporting agencies (listed below). You don’t want the lender to pull them at this point, as it can/will lower your credit score) and ask them what you need to do to qualify for a home loan. They will be able to tell you specifically what you can do to improve your scores for your mortgage approval.

Once you have your list of “things to do”, use one of the credit watch products to chart your progress. I prefer Equifax’s Credit Watch. The visual charts showing improvement not only motivates you to continue but also validates your progress.

I have also begun a blog that will debut August 1, 2010 for people looking to rebuild their credit in preparation of buying a home. Be sure to check it out next month and subscribe for helpful tips to manage your credit, increase your scores and prepare to buy your dream home.

Lisa asks…

Are you for or against WELFARE ?

The same people are still on welfare and all sorts of government entitlements before the “job crisis” in 2008. There’s a lot of people who don’t want to work… because why should they when they can easily live off of welfare indefinately?

If the U.S. Government is just going to continuously piss our taxpayer money away carelessly, frivilously, wastefully, into misaapropriated cash cow pet pork projetcs with no management to the system whatsoever, then WE THE PEOPLE NEED TO THINK THAT THE GOVERNMENT DOESN’T REALLY NEED OUR MONEY… YOU HAVE HALF THE PEOPLE IN AMERICA PAYING FOR THE OTHER HALF RIGHT NOW!!!!

1. There should be STRICT GOVERNMENT OVERSIGGHT ON WELFARE PROGRAMS.

2. There should be restrictions and time limits on collecting WELFARE benefits.

3. WELFARE should a very minimal amount of money provided to help transition to work.

4. If you collect WELFARE you should be subject to drug testing, and be disqualified if you refuse or test positive.

5. If you collect any welfare benefits, you should be required to work by doing community service for the county in which you reside 40 hours a week, closely monitored, and clocked in and out.. i.e., cleaning municipal, state, county buildings, cutting lawn, picking up garbage, etc.

I personally know a husband and wife with 3 kids. The wife (Kerry) works as secretary making just above minimum wage with benefits and her husband (Kevin) works as an electrician. They decided that it would be more convenenient if they simply divorced for financial reasons, and they did get divorced uncontested last year.

Kerry was approved for Section 8 housing (rent is paid for 100%), The EBT or Access Card with 3 dependents i.e. Food Stamps and subsitence $1400., WIC Woman Infant Children, LIHEAP Home Heating Assitance 80% is paid for by the county/state. Entitlement after entitlement including a free cell phone plan!!!

Kevin quit his job prior to the divorced being final, and claimed he was homeless at the Department of Welfare office. Kevin automatically got emergency subsistence after filling out the application. Kevin is now working as a sub-contractor and paid under the table, he makes his own hours up if so chooses to work. Kerry still works the 9 to 5, but is right under the threshold of under the minimum annual income to qulaify.

Kerry and Kevin are both still living together now making more money combined with benefits claiming poverty. The fact of the matter is they know how to use the system with no government oversight (That’s the problem). And, there is NO time limit as to how long these benefits are paid, they are indefinate once you’re qualified.

In fact, Kevin was sick last week, he said he thought he had bronchitis or pneumonia. Kevin walked into the emergency room without having any medical benefits and seen 100 people waiting to be seen, so he took a bus down town (which he gets free tokens for). Kevin layed down on the sidewalk outside a department store, and people called an ambulance in which he was transported to the same hospital he came from. Kevin was automatically placed right in front of the line in an E.R. bed before those people waiting in the waiting room. Kevin jokingly said, he saw the same people waiting as he departed the hospital before noon that day with a prescription of antibiotics. I asked Kevin, so what do you do when the bill comes? Kevin said, what bill (laughs)? Where are they going to send the bill to, I don’t have an address, I’m homeless, remember? (laughs again), that’s how you get free medical coverage.

I can’t report them… they are family ya know. My Sister married and illegal immigrant (Kevin) in 2009. I live in Hazleton, Pennsylvania… and people come from New York and Jersey to become eligible after 30 days in state because PA has the best and most benefits for people. I live in Hazleton PA, and it is best known of illegal immigration, LQQK it up. There are more illegal immigrants living here than regular U.S. citizens living on or near the border, like Arizona. Hazleton, PA is a haven for illegal immigrants!!! The word is out.. And don’t expect to get anything if you don’t speak Spanish because English is spoken rarely, maybe second in Hazleton, PA which is now Northern mexico.

I HAVE WRITTEN TO SO MANY CONGRESSMAN AND SENATORS REGARDING WELFARE and they are receptive and understand the system is screwed up and uneccessary excessive money is being wasted. When the bottom drops out, SHTF these freeloading scumbags are the first to go, their benefits will be cut and they will have absolutely nothing, not a pot to piss in.
It isn’t just the “P.M.”, even though they make up only 12% of the population and Latinos make up 15%, what you would call “minorities” 63% are collecting some sort of welfare benefit(s), and food stamps have quadrupled in the past few years, so, yes, the working clas people are dishing out a tremendous amount of money for these people.

Don’t you love it when you’re standing in line and the scumbag holding up the 6 item or less line naturally has like 25+ items and he pulls out the old EBT or ACCESS card. I think just great, not only is he taking up my time, but he’s using my credit card to buy himself stuff when he is capable of working and earning his own food. Then I see the bastard leave the parking lot driving a H2 HumV

SOMETHING HAS GOT TO GIVE FOLKS, I TREAT THESE PEOPLE LIKE CRAP, I WILL CALL THEM OUT IN FRONT OF EVERYBODY RIGHT IN PUBLIC…. HEY, YOU DON’T WORK YOU DON’T EAT, WHY ARE YOU USING THAT?????? YOU LOOK LIKE YOU CAN

Administrator answers:

Im against it. NO free handouts in my opinion.

Also it cleary isnt monotored correctly. I have to get a hair test for drugs and take random screening just to keep my salary job. When these people get to take my tax dollars for free while they smoke all the weed and crack they want. Is this an extreme case, maybe, maybe not.

I’d say about less than 1% of the people actually use it correctly.

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