HUD rant

kleshelle

So I actually have been checking into this program only to realize I would rather be scraping by than to use their system that pretty much sets people up to be failures. I'm so irate its ridiculous. I found a very nice house for almost 700$ a month and to my surprise he will accept HUD as long as it covers his amount... The catch is, I highly doubt it will cover that amount. So I ask, well could I just pay the remaining part of the rent that it doesn't cover?
His response: dealing with HUD in the past it's illegal for people w a voucher to pay remainder cost.
As long as I can get them to accept me paying on it or it in that price range we are good. So I call to nose around, it actually IS illegal for people to pay on their rent. How is that so? I work full time I just need a little cushion here to help me pay for a place until I get more stable and vehicle paid off, why can't I do what I want and help with the bills when I make my own money?
The people at HUD says: you'll have to see if the renter will lower his price to meet the voucher or you'll have to find one in that price range.
Okay first, I'm not dogging on all HUD places majority around here are filthy and are crawling with bad people. (Because I mean they can afford to do bad things since HUD requires you to pretty much be lazy and not have any responsibilities so you can do whatever the he** you want with your paychecks)
Second, I don't want my daughter in a place like that she deserves better and I for sure don't want in a place like that.

So now you ladies know why this world sucks, they set ya up to be lazy and failures. It's sad that someone working full time can't get a decent place to rent because they aren't allowed to touch the bills. No wonder so many people are jobless on this program or worse doing whatever they want with their paychecks. I had NO idea it was illegal to do that, I thought HUD covers so much and you pay the rest. Their system is twisted and ridiculous. I will NOT be a part of this. I feel like my head is going to explode now that I know some facts about this. X(

Also, I'm not downing any women who use HUD I'm not aware of anyone's financial situations as you aren't aware of mine. I'm also not downing people if you live in HUD properties (I've actually found a couple decent ones but they're way too far from my job) the ones close to my area are filthy. I just posted this thread to show some people how this system ACTUALLY works.

taysun

I imagine the system works that way because it's for people who can't afford housing and can't afford to be picky. If you can decide not to be part of an assistance program, you probably shouldn't be using it either way. A lot of people work hard and don't have a choice about where they can afford to raise their kids.
I hope you are able to work something out, but if you really need help you might have to settle.

ammnam14

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

kleshelle

I understand that 100% but I'm sure there's others like me that can help so much with bills (no I couldn't do it all that's why I'd need their help but I am capable of helping some if need be), I think a lot of people on that program should have to help to a certain extent, also if someone feels financially comfortable to help in any way or pay a part than that shouldn't be illegal that should be between the tenant and the rental owners. (considering the renter said theres been others that have tried in the past to pay the remaining half on rent I'm sure there's a lot more out there in this situation that most realizes) also I'm sure there's many women who are in worse situations as I stated above. I know no ones financial situation as no one knows mine. But at the same token, there's plenty of people (I personally know) that get in this program and sees how much they take care of you so they decide to quit their jobs and rely completey on them when they're fully capable of working. That's why I think families that CAN help contribute should be required to at a certain amount (according to income and bills) so we won't have so many families just quitting their jobs and doing nothing. It just frustrates me that I'm one of those that can help to a certain extent but I'm not legally allowed to? I don't understand why that laws set in place like it is. I think there should be exceptions to the rule. That's all. And I'm sure MOST people aren't aware that's how HUD actually works. I know a lot of people in my family wasn't aware of this and they're frazzled by it too.

CMDD

Section 8 is based on your income. I'd look there if you need assistance but can pay some

kleshelle

That's what I went through to find this info out they're all in the same building/program together in my jurisdiction. I think it's called section 8 subsidized housing for blah blah counties which practically means HUD. When I had applied I had to give them my bank routing number and bank statements and pay stubs.... So they definitely did it off my income, it's just law if you are eligible for the voucher you're legally NOT allowed to help in any way with the bills.

duckinoven

Agree with PPs. all government assistance programs have limits/cut offs so that they can be funded properly and truly meet the needs of the families that need the most help and cannot afford to be picky. While this can be challenging for those that are just above that cut off point, there are supplementary programs, like section 8, that can help meet similar needs. Best of luck in your search.

CMDD

Hm weird def not like that in CT.

kleshelle

It's like that here and I had NO idea it was like that or I wouldn't of wasted my time with them. It def shouldn't be like that! I'm not sure why it is it's beyond me..... Back a few years ago HUD covered so much and you covered the rest... Now it's completely different. So I guess I'm off to hunt some more places down that will hopefully be in my range.

duckinoven

After the entire economy crashed on "liar loan" mortgages, the reigns were tightened on all housing policies... Banks and government programs are highly regulated and, yes, the requirements are more involved for everyone, not just those in assistance programs.

adecembermom2015

Did they ask for your income or combined household income? I'm sure your BF will be moving in too. I bet with your combined incomes you can find a reasonably priced place with out HUD.

taysun

As a landlord to majority section 8 tenants, we receive government checks to make up the difference of what tenants can afford to pay vs what we actually charge per month. Our apartments aren't the nicest but we have to maintain a strict standard and are subject to inspections at tenants request. I suggest you do more research, because HUD is only one aspect of housing assistance.

CMDD

AudriannaMaria said:

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

I know this isn't the issue. But can I just say I've never lived anywhere with rents this low and it's crazy how different rents can be in diff cities. $3000 would get you a not so nice 2 bed apt in a building here.

adecembermom2015

CMDD said:

AudriannaMaria said:

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

I know this isn't the issue. But can I just say I've never lived anywhere with rents this low and it's crazy how different rents can be in diff cities. $3000 would get you a not so nice 2 bed apt in a building here.

https://www.zillow.com/wv/apartments/
Looks like West Virginia isn't bad. I believe that's where OP lives. It's crazy how much it can vary by region!

misamima

magburt said:

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

I know this isn't the issue. But can I just say I've never lived anywhere with rents this low and it's crazy how different rents can be in diff cities. $3000 would get you a not so nice 2 bed apt in a building here.

https://www.zillow.com/wv/apartments/ Looks like West Virginia isn't bad. I believe that's where OP lives. It's crazy how much it can vary by region!

Everyone knows where OP lives.

kristen2b

We've waited five long years to have a baby while we paid down debt and got even more financially stable than we were. It was tough. We never planned for our kids to be so far apart. But it's just part of being an adult and planning. And you know what? Now we're building our dream home and we have little debt. It's obviously too late for you to do any planning, you're already KTFU. But maybe figure out how to make it work with what you have. It's a little (ok a lot) annoying when you come here to gripe about government assistance and "how to work the system" when so many of us scrimped and saved and waited way longer than we wanted to to get pregnant.
There are people with real needs that are being helped by my tax money. Judging from your several posts on this topic I don't see you as one of them.

ChiccoBeanz

So to clarify because I don't understand why this is an issue, you are upset that the government assistance program that you applied and got approved for, to help you pay rent for a new residence...will pay your entire rent, if you stay in a certain range....because you want to help them pay it ? Is that what I am reading? 

If that is the case: 

1. Section 8 would have been more your style as it is income based and allows users to supplement rent payments.

2. HUD is NOT for people who need assistance and have the ability to supplement their rent with their income. HUD is for people who can't afford to pay for their place of residence with their income.

3. Although you stated that you personally know of many families and people who choose not to work and stay on public assistance, the fact that you made such statements generalizing the people who use these services is terrible. You don't know who on TB may be recipients of these services for 1 thing, and just because you know some people does not mean that it is okay to stereotype everyone else in these places as "Lazy" and "Bad people", but then you go on in a comment to say that no one knows your financial situation, so does that make you an exception? Wouldn't someone who uses the system for "cushion" be a "bad person", especially when they are taking resources from people who ACTUALLY need them....you know like families in shelters and what not? Just asking...

If you don't like what the program is offering or you can't follow their instructions and find a place to live that their vouchers will cover, then get off of public assistance and pay it all yourself as you "make your own money". Public assistance isn't for people to have cushion. It is for ASSISTANCE so that people who NEED it can afford what they need.

kristen2b

Jonesy288 said:

So to clarify because I don't understand why this is an issue, you are upset that the government assistance program that you applied and got approved for, to help you pay rent for a new residence...will pay your entire rent, if you stay in a certain range....because you want to help them pay it ? Is that what I am reading? 

If that is the case: 

1. Section 8 would have been more your style as it is income based and allows users to supplement rent payments.

2. HUD is NOT for people who need assistance and have the ability to supplement their rent with their income. HUD is for people who can't afford to pay for their place of residence with their income.

3. Although you stated that you personally know of many families and people who choose not to work and stay on public assistance, the fact that you made such statements generalizing the people who use these services is terrible. You don't know who on TB may be recipients of these services for 1 thing, and just because you know some people does not mean that it is okay to stereotype everyone else in these places as "Lazy" and "Bad people", but then you go on in a comment to say that no one knows your financial situation, so does that make you an exception? Wouldn't someone who uses the system for "cushion" be a "bad person", especially when they are taking resources from people who ACTUALLY need them....you know like families in shelters and what not? Just asking...

If you don't like what the program is offering or you can't follow their instructions and find a place to live that their vouchers will cover, then get off of public assistance and pay it all yourself as you "make your own money". Public assistance isn't for people to have cushion. It is for ASSISTANCE so that people who NEED it can afford what they need.

Amen.

kristen2b

kleshelle said:

So I actually have been checking into this program only to realize I would rather be scraping by than to use their system that pretty much sets people up to be failures. I'm so irate its ridiculous. I found a very nice house for almost 700$ a month and to my surprise he will accept HUD as long as it covers his amount... The catch is, I highly doubt it will cover that amount. So I ask, well could I just pay the remaining part of the rent that it doesn't cover?
His response: dealing with HUD in the past it's illegal for people w a voucher to pay remainder cost.
As long as I can get them to accept me paying on it or it in that price range we are good. So I call to nose around, it actually IS illegal for people to pay on their rent. How is that so? I work full time I just need a little cushion here to help me pay for a place until I get more stable and vehicle paid off, why can't I do what I want and help with the bills when I make my own money?
The people at HUD says: you'll have to see if the renter will lower his price to meet the voucher or you'll have to find one in that price range.
Okay first, I'm not dogging on all HUD places majority around here are filthy and are crawling with bad people. (Because I mean they can afford to do bad things since HUD requires you to pretty much be lazy and not have any responsibilities so you can do whatever the he** you want with your paychecks)
Second, I don't want my daughter in a place like that she deserves better and I for sure don't want in a place like that.

So now you ladies know why this world sucks, they set ya up to be lazy and failures. It's sad that someone working full time can't get a decent place to rent because they aren't allowed to touch the bills. No wonder so many people are jobless on this program or worse doing whatever they want with their paychecks. I had NO idea it was illegal to do that, I thought HUD covers so much and you pay the rest. Their system is twisted and ridiculous. I will NOT be a part of this. I feel like my head is going to explode now that I know some facts about this. X(

Also, I'm not downing any women who use HUD I'm not aware of anyone's financial situations as you aren't aware of mine. I'm also not downing people if you live in HUD properties (I've actually found a couple decent ones but they're way too far from my job) the ones close to my area are filthy. I just posted this thread to show some people how this system ACTUALLY works.

QFP

Marchmellow2

misamima said:

magburt said:

CMDD said:

AudriannaMaria said:

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

I know this isn't the issue. But can I just say I've never lived anywhere with rents this low and it's crazy how different rents can be in diff cities. $3000 would get you a not so nice 2 bed apt in a building here.

https://www.zillow.com/wv/apartments/
Looks like West Virginia isn't bad. I believe that's where OP lives. It's crazy how much it can vary by region!

Everyone knows where OP lives.

Oh we know much much more than that.

taysun

OP, many private landlords actually prefer section 8 tenants because of the guaranteed money, and the tenants also have requirements that make them easier tenants.

celainev

You're accusing the system that wants to help you, of creating a lazy family... When you can afford to pay your own rent? I'm confused.

Anyways those people that may have "quit their jobs" because they get "free housing," I'd like to think that people have the capability to make their own choices... I don't think the system is creating lazy people as much as it is helping people who are already a bit lazy. I'm not saying that this is everyone, I think it is a small number of people. But I just hate when people blame the government for the choices of individual people.

That may have made no sense. I just woke up.

ChiccoBeanz

chaelainev said:

You're accusing the system that wants to help you, of creating a lazy family... When you can afford to pay your own rent? I'm confused. Anyways those people that may have "quit their jobs" because they get "free housing," I'd like to think that people have the capability to make their own choices... I don't think the system is creating lazy people as much as it is helping people who are already a bit lazy. I'm not saying that this is everyone, I think it is a small number of people. But I just hate when people blame the government for the choices of individual people. That may have made no sense. I just woke up.

ETA to add words and pic: Nope you made perfect sense.... in fact, to go with the highlighted section: 

misamima

I don't get it, OP. Do you need assistance or not?

You come on here bitching about needing help. And when you find it, you bitch about not being able to do what YOU want with it. This isn't your first post about assistance, either. You are seriously coming off as an entitled brat and making a bad name for all of those who really need help.

Get over yourself. Seriously.

Jmdavin

Wow I wish I could rent a decent HOUSE for $700! That's insane. People are LUCKY to find a shitty studio apartment for $1500 here.

redfallon

CMDD said:

Agree with PP. Maybe just go house/apartment shopping? You would be surprised. We have found houses ranging from $600-$1000 that are pretty nice. I know it all depends on where you live and the cost of living, but it wouldn't hurt to just shop around on your own. Good luck!

I know this isn't the issue. But can I just say I've never lived anywhere with rents this low and it's crazy how different rents can be in diff cities. $3000 would get you a not so nice 2 bed apt in a building here.

Yep. My 3bed/2bath house (1200 sq ft with almost a 1/4-acre fenced in yard) that I own and rent out gets us $950/month in the little city outside of Dallas where it's located. Last tenants we got $850/month.

fmraglio

I highly suggest you take a Dave Ramsey financial class with your boyfriend.

Not trying to bring this up again but from what I saw in your twitter there are many ways you can cut back your spending to make rent work. Husband and I got pregnant unexpectedly on birth control and had no time to save but we sold our nice cars to get decent cars that would suffice, got rid of our fancy cell phones and expensive data plans, and started working second jobs to pay for our little one. Is it easy paying rent? Hell no but had I kept my car with expensive monthly payments over paying off an older car and now having no payments it would be impossible.

It's extremely hard to see you ranting about stuff like this when other people are struggling and finding ways to make it work and you're going around trying to dig around for free money when you basically have a savings account built in your car if you'd just sell it. Not to mention what @kristen2b brought up about those who worked their assess off and waited to have kids even when they really had other plans.

No, it wasn't my buiness but you made it by business by posting this here. And no I'm not saying you have to sell all of your expensive stuff because I'm not your mom or your boyfriend but have some common sense before you post stuff like this. I mean come on...

Marchmellow2

misamima said:

I don't get it, OP. Do you need assistance or not?

You come on here bitching about needing help. And when you find it, you bitch about not being able to do what YOU want with it. This isn't your first post about assistance, either. You are seriously coming off as an entitled brat and making a bad name for all of those who really need help.

Get over yourself. Seriously.

This exactly. I could've said this verbatim! Andplusalso:

fmraglio

misamima said:

I don't get it, OP. Do you need assistance or not?

You come on here bitching about needing help. And when you find it, you bitch about not being able to do what YOU want with it. This isn't your first post about assistance, either. You are seriously coming off as an entitled brat and making a bad name for all of those who really need help.

Get over yourself. Seriously.

Thank you @misamima for saying this much more eloquently than I could figure out how to say it.

This is exactly I was thinking but my post came out as a rambled mess in my anger so basically you rock.

kristen2b

fmraglio said:

misamima said:

I don't get it, OP. Do you need assistance or not?

You come on here bitching about needing help. And when you find it, you bitch about not being able to do what YOU want with it. This isn't your first post about assistance, either. You are seriously coming off as an entitled brat and making a bad name for all of those who really need help.

Get over yourself. Seriously.

Thank you @misamima for saying this much more eloquently than I could figure out how to say it.

This is exactly I was thinking but my post came out as a rambled mess in my anger so basically you rock.

I thought your post was amazing! Same thing happened with my husband and I with our first five years ago, on birth control and birth-control failed. But you know what we did, we started selling things, we stopped eating out as much and we made it work!

misamima

@fmraglio Your post was much more helpful than mine. And I'm hoping it's educational and beneficial to OP so she can get some tips on what she can do instead of yammering on and being ungrateful.

CMDD

@fmraglio

fmraglio

Well thank you ladies, glad it didn't come of as rambly as I thought.

Edited to fix my post.

And to add @kristen2b I hear more and more about birth control failures the more I tell people it happened to me (not that I broadcast it or anything) but man that 99.9% effective sounds like crap to me lol but I am so so glad it happened to me and brought me this baby girl!!

SomedayInMyArms

I agree with PP there are things that can be done to help better afford a child. This baby was very planned for us, but we have still cut back on certain things (cable, eating out, unnessary shopping, etc.) to better pay for all the things our baby will need and to still build our savings. 

I reread your original post a few times trying to see where you are coming from and I think I got it. From what I am reading it seems you need SOME assistance to pay housing, but you do not need housing fully funded. Please correct me if that is not right. Would it be possible to make cuts in your lifestyle to fully pay housing without any assistance? Is SO planning on helping with this or will you not live together? If he is planning to be there is there a budget you can form together to pay for housing? Where I am from there are a lot of housing options based on income. The price you pay is based on what your household income is. It sounds similar to what PP have stated. I don't know too much about it, but I know some people who have used it including a friend of mine that was a single mom. Is this in an option for you? 

If you need the help then I think you should try to figure out all the options available to you in your area. If there is a way for you to figure it out without the help that's great too. There is nothing wrong with using assistance when it is needed.

Edited to fix wording. 

BostonBaby1

Is this real? You stated we don't know your financial situation? Unless things have changed drastically in the last few weeks, we DO know your financial situation. At least enough to get a solid picture of it. I know more about your finances that I know about my closest friends. For goodness sake, I can list off your expenses right here. I literally know the round figure of your monthly bills excluding rent. My background might happen to be in finance, but I'm pretty sure that a lot of the women here could list off ALL of your expenses thanks for the information that YOU have shared with us.

One thing that you are absolutely right about is that you have no idea what my financial situation is. Because I don't broadcast it all over the Internet. Even my friends don't get the inside information down to the dollars and cents that you share with us.

Seeing the prices of real estate in West Virginia makes it very difficult to feel sorry for you here.

***Please proceed forward with why we should feel bad for you.***

*ETA- I know. We don't know how much money your BFs mother spends on gambling per month. Nor do we know his exact budget. We only know yours.

lalg28

misamima

BostonBaby1 said:

Is this real? You stated we don't know your financial situation? Unless things have changed drastically in the last few weeks, we DO know your financial situation. At least enough to get a solid picture of it. I know more about your finances that I know about my closest friends. For goodness sake, I can list off your expenses right here. I literally know the round figure of your monthly bills excluding rent. My background might happen to be in finance, but I'm pretty sure that a lot of the women here could list off ALL of your expenses thanks for the information that YOU have shared with us.

One thing that you are absolutely right about is that you have no idea what my financial situation is. Because I don't broadcast it all over the Internet. Even my friends don't get the inside information down to the dollars and cents that you share with us.

Seeing the prices of real estate in West Virginia makes it very difficult to feel sorry for you here.

***Please proceed forward with why we should feel bad for you.***

*ETA- I know. We don't know how much money your BFs mother spends on gambling per month. Nor do we know his exact budget. We only know yours.

MrsBwIVF

satindawl83

I have my fair share of difference of opinions with others regarding certain topics on this board, but I tend to agree on this topic.

It's like if I were to use food stamps to buy Godiva chocolates, and tell the cashier that I'll pay the difference in cash. Sorry, food stamps may cover Kroger brand candy, but that's it. (I doubt food stamps cover chocolate, period, but you get the point.)

There's a reason why the government limits what items can be purchased with food stamps, just as they're limiting what type of apartment can qualify for HUD.

If you're that close to not needing it, I agree that you should find other ways to cut back so you can afford the apartment you want, and allow those truly in need to take advantage of the resource.

nik6499

The assumption that all the people using government resources are lazy is a broad generalization, and for someone like me who was on assistance through my first degree as a single mother it's downright insulting. I worked my ass off to get OFF assistance, I was humiliated that I couldn't afford everything I needed for my daughter. I busted my ass, I got a degree and by the time she was 4 I was off assistance had a bachelors degree and bought a house by myself.

Also, HUD housing isn't like a project only. There are a lot of landlords that accept HUD and section 8 housing allowances, a lot of income based apartment complexes. These services are out there, but the hard part is putting ego and pride aside and doing what you need to do for your family. Many of these endowments require that if a person is able to work that they do or they are trying to find employment. Of course there are people that abuse the system, just don't be one of them.

rain0831boww

I agree with all the PP's. I will be short because they have stated themselves well. I can be picky because I am investing my own money in my home. If you are in need of assistance (which there is nothing wrong if you truly need it), you really are at the mercy of their offerings.

Beggars can't be choosers