If you’re considering buying a home, check out this FREE publication: Shopping for Your Home Loan: HUD’s Settlement Cost Booklet.

This booklet outlines the various aspects of the home buying process, but starts by asking some key questions to help you determine if you’re ready to buy a home. You’ll also find a worksheet for calculating how much you can afford.

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Tenant rights vary from state to state. Learn more about the rights of renters in your state and how to file a complaint against your landlord.

If you need help, the U.S. Department of Housing and Urban Development handles complaints about housing discrimination, bad landlords in federal housing, and many other issues. For additional local resources, you can also contact a housing counseling agency.

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The Department of Housing and Urban Development (HUD) has a number of resources to help seniors find affordable rentals.

They offer a low rent apartment search that shows low-rent apartments for senior citizens and people with disabilities, as well as for families and individuals. For low rent apartments, the government gives funds directly to the apartment owners. There is an income limit to qualify.

You can also look for multifamily units by state that rent to seniors and people with disabilities. HUD does not provide details like eligibility, waiting list information, or types of accessible features for these properties, but the list can help you identify potential rentals in your area.

There’s also the public housing program and public housing choice vouchers, commonly called Section 8. Public housing comes in all sizes and types and is managed by local housing agencies that are funded by the federal government. Public housing choice vouchers allow you to find a private rental and the government pays the landlord directly to subsidize the rent. Both programs are limited to low-income families and individuals.

If you have questions or need help finding a rental, talk to a HUD-approved housing counselor.

Learn to recognize the signs of foreclosure rescue scams and who to contact if you’re caught in a scam.

If you or someone you know is homeless, contact your local homeless assistance agency to get help. These agencies can help you find temporary or permanent housing options, as well as connect you with local food banks and health care programs.

If you’re a homeless veteran, the Veterans Administration offers safe housing, job opportunities, and health care options. You can learn more online or by calling 1-877-4AID-VET (1-877-424-3838). Service members, veterans and their families can also find services and resources in their communities with the National Resource Directory mobile app.

Find more resources to help with homelessness, including information for homeless families with children and how you can help end homelessness.

To learn about other free resources to help you no matter what your financial situation, sign up for our e-mail list or visit our page.