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Last updated: July 28, 2026 Bottom Line A HUD-approved housing counselor can give independent help with mortgage trouble, foreclosure, home repair financing, reverse mortgages, budgeting, rental problems, disaster recovery, and local housing referrals. A counselor usually does not award a home repair grant or hire a contractor for you. Foreclosure, eviction, and homeless counseling are … Read more

Last updated: July 28, 2026 Handle an immediate danger first. Leave the home and call 911 for fire, severe carbon monoxide symptoms, sparking wires, or another life-threatening danger. Call the gas utility from a safe place if you smell gas. Weatherization normally involves an application, waitlist, energy audit, and scheduled work. It is not a … Read more

Last updated: July 28, 2026 Bottom line: The Specially Adapted Housing grant, called the SAH grant, is a real Department of Veterans Affairs grant for veterans and service members with certain permanent, total, service-connected disabilities. It can help buy, build, or change a permanent home so the eligible person can live more independently. For fiscal … Read more

Last updated: July 28, 2026 Act now if the home is unsafe. Call 911 for fire, gas, electrical, collapse, or immediate injury danger. Leave the home if officials say it is unsafe. For urgent shelter, food, utility, or local repair referrals, call 211 or use the 211 referral service. Bottom line: There is no single … Read more

Last updated: July 28, 2026 Do not wait for HAF if a foreclosure sale, tax sale, court date, shutoff, or insurance cancellation is scheduled. Apply if eligible, but also contact your servicer, a HUD-approved counselor, and legal aid today. An application may not stop the deadline. Bottom Line: As of July 28, 2026, the national … Read more

Last updated: July 28, 2026 Immediate danger: Call 911 if a person at your home threatens you, refuses to leave, tries to enter, distracts you while another person moves around the property, or creates a fire, gas, electrical, or structural danger. Do not argue at the door. Lock the door and call for help. If … Read more

Last updated: July 28, 2026 Do not wait for a program inspector when there is immediate danger. Leave the home and call 911, the fire department, or the utility company if you smell gas, see sparks or fire, have sewage entering living space, suspect carbon monoxide, or think a ceiling, wall, porch, or floor may … Read more

Last updated: July 28, 2026 Leave the home and call for emergency help when there is immediate danger. Call 911 for a fire, active sparking, a strong gas smell, a carbon monoxide alarm with symptoms, collapse risk, or another threat to life. Call the gas or electric utility emergency number for a suspected utility hazard. … Read more

Last updated: July 28, 2026 Immediate danger: If you smell gas, see sparking wires, have sewage entering the home, or believe part of the building may collapse, leave the unsafe area and call 911, the utility emergency line, or the local building department. Do not sign financing while dealing with an emergency. Bottom Line: Before … Read more

Last updated: July 28, 2026 Urgent safety first: Leave the home and call 911 or the utility company if you smell gas, see sparks, have exposed live wires, face sewage backup, suspect collapse, or cannot safely enter or exit. A repair program application is not emergency response. Bottom Line There is no single VA home … Read more