Default Mortgage Counseling
The Fair Housing Program provides counseling to homeowners who are delinquent on their mortgage payments. Counselors interview clients to determine the causes of the default and to review clients’ budgets. Counselors suggest various options available to the homeowner.
HUD Certified counselors are available to assist delinquent clients in submitting workout applications to their lenders.
Related Links
Please contact us at 210.207.5910 to speak to a certified HUD Housing Counselor.
Please note that the City does not have mortgage assistance; however, a Housing
Counselor can provide you guidance on contacting your mortgage provider and requesting
loan options to bring your account current.
The Eviction Process:
The Notice to Vacate: Your eviction process will start when you receive a Notice to Vacate. The landlord or the landlord’s agent will deliver this to you personally or to a person that is living with you. If you are not home, this notice frequently taped to the main door of the property. The notice will usually contain a stated reason for the eviction, a delivery date and a notice when to vacate the property. The notice generally demands that you leave the property within 3 days. You do not have to leave the property by the date indicated. This is an attempt to have you vacate the property. However, it is in your best interest to vacate before the landlord files for an eviction hearing. At that point, you will be required to attend and it will negatively affect your credit record and rental history.
The Eviction Hearing: Although you are not required to leave by the date on the notice, your failure to leave will probably result in the landlord filing an eviction suit against you. The suit is an effort by the landlord to obtain a Forcible Entry and Detainer. It is a lawsuit whereby the landlord seeks to obtain a court order requiring you to leave the premises. Your court hearing will generally be 6—10 days from the delivery date. If you miss the court hearing, you will lose by default and your rental history and credit will be damaged. If the landlord is seeking to evict you because of rent delinquency, the judge will most likely order the eviction. If rent is withheld, it should be in the form of a money order dated for the day the rent is due. However, it is not recommended that you withhold rent.
If the judge grants the eviction, you will have 5 days to vacate the property before the landlord and constable can remove all your possessions. If you feel the need to appeal, you may do so within 5 days of the eviction hearing. The appeals process is complex and will require an attorney and a deposit to the court in the amount of one month’s rent. If you have the landlord’s consent to pay late and that an eviction will not occur, make sure to get that agreement in writing.
Rental & Financial Assistance
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Alamo Area Resource Center
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358-9995
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Bexar County Community Resources
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335-3666
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Bexar County Housing Authority (rent & utilities)
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225-0071
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Catholic Charities – Crisis Intervention Program (utilities only)
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226-6171
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Christian Assistance Ministry (CAM)
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223-4099
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City of San Antonio
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207-7830
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Ella Austin Community Center
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224-2351
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Salvation Army – Social Services
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352-2020
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San Antonio AIDS Foundation (tenant-based rental assistance)
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225-4715
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Alamo Area Resource Center
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358-9995
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SAMMinistries apply online:
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www.samm.org/get-help
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SAWS Project Agua (water utility only)
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207-7830
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St. PJ’s Children’s Home (must have disability)
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531-8555
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St. Vincent de Paul (utilities, rent, funeral arrangements & medication)
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225-7837
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Texas Diaper Bank (free diapers, formula gap service, food assistance)
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731-8118
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Housing Counseling Program Description
Summary
This program provides counseling to consumers on seeking, financing, maintaining, renting, or owning a home. The program also addresses homelessness through counseling and assists homeowners in need of foreclosure assistance.
Purpose
The Housing Counseling Assistance Program enables anyone who wants to (or already does) rent or own housing-whether through a HUD program, a Veterans Affairs program, other Federal programs, a State or local program, or the regular private market-to get the counseling they need to make their rent or mortgage payments and to be a responsible tenant or owner in other ways. The counseling is provided by HUD-approved housing counseling agencies.
Type of Assistance
HUD awards grants to HUD-approved Housing Counseling Agencies and State Housing Finance Agencies through a competitive process.
Eligible Grantees
Only HUD-approved housing counseling agencies and State Housing Finance Agencies are eligible to apply for Housing Counseling grants. To become HUD-approved, an agency must contact the HUD Office of Housing Counseling to confer about the agency's eligibility and submit an application for approval. Grantees must file quarterly invoices, mid-term performance reports, and a final report. The HUD Office of Housing Counseling reviews the performance of each agency to evaluate whether the agency can keep its HUD approved status.
Eligible Customers
Individuals, families, or groups who are tenants, homeowners, homeless, or homebuyers, may receive counseling from HUD-approved and HUD funded housing counseling agencies.
Eligible Activities
Eligible housing counseling activities can include: rental, default, homeownership, homeless and reverse mortgage counseling for senior homeowners.
Application
Applicants for grants from this program must be HUD-approved counseling agencies. HUD publishes it's Housing Counseling Notice Of Funding Availability (NOFA) in the Federal Register and on its Funds Available web page. To apply, the agency must use the Grants.gov electronic application system. HUD evaluates applications and issues grant agreements to successful applicants. Applicants may appeal a grant denial or amount to HUD.
Funding Status
HUD pays only part of the costs of an agency's counseling activities, so grantees need to leverage their HUD grant with funding from other resources.
Technical Guidance
This program is authorized by Section 106 of the Housing and Urban Development Act of 1968, as amended (12 U.S.C. 1701x). No program regulations have been issued; the program is guided by the Housing Counseling Program Handbook (HUD Handbook 7610.1 REV-5). The program is administered by HUD's Office of Housing Counseling - Federal Housing Administration.
COORDINATED ENTRY ASSESSMENT SITES
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Haven for Hope (Mon-Fri 8:00am-3:00pm)
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1 Haven for Hope Way, 78207
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American GI Forum
(Mon, Wed, Fri 8:30am-11:00am)
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611 N. Flores St, Suite 200, 78205
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American GI Forum
(Mon, Wed, Fri 8:30am-11:00am)
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206 San Pedro, 78205
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Catholic Worker House
(Wednesday 8:00am-11:00am)
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626 Nolan St, 78202
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San Antonio Public Library
(Thursday 9:00am-1:00pm)
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600 Soledad St (2nd Floor), 78205
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Agape Ministry (First and Third Thursday of the month
9:00am-11:00am)
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127 Lanark Dr, 78218
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HOUSING AND SHELTER OPTIONS
EMERGENCY SHELTER FOR ADULTS & FAMILIES
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Haven for Hope
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1 Haven for Hope Way, 78207
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(210) 220-2100
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Battered Women’s Shelter (women/single mothers only)
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7911 Broadway, 78209
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(210) 733-8810
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Salvation Army Hope Center (women, fathers, single mothers )
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515 W. Elmira, 78212
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(210) 352-2046
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Salvation Army Dave Coy Center (men only)
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226 Nolan, 78202
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(210) 226-2291
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Guadalupe Home (pregnant women/women with children <1yr old)
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1223 S. Trinity, 78207
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(210) 476-0707
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Strong Foundation Ministries (families only)
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414 N. Hackberry St, 78202
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(210) 641-4357
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Living Stones (men only)
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1306 N. Hackberry, 78202
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(210) 472-1415
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San Antonio Rescue Mission (men only)
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907 E. Quincy St, 78215
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(210) 222-9736
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YOUTH SHELTERS
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Boysville
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8555 E. Loop 1604, 78109
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(210) 659-5275
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George Gervin (girls 12-17)
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511 Yucca St, 78220
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(210) 532-3948
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St. Jude’s Children’s Ranch
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652 Old Bear Creek
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(830) 629-0659
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The Bridge Shelter
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3103 W. Ave, 78213
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(210) 340-7933
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The Children’s Shelter
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2939 W. Woodlawn, 78228
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(210) 212-2500
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RAPID RE-HOUSING PROGRAMS
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American G.I. Forum – NVOP SSVF (Veterans Only)
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206 San Pedro, 78205
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(210) 447-0120
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Endeavors Inc. SSVF (Veterans Only)
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8401 Datapoint Dr, Ste 500, 78229
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(210) 431-6466
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PERMANENT SUPPORTIVE HOUSING
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Endeavors Inc. Fairweather Lodge (single adults w/ mental health diagnosis)
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(210) 208-5700
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HUD VASH (veterans only)
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(210) 616-9915 (option 1)
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Salvation Army Permanent Supportive Housing (Scattered Sites)
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910 N. Flores, San Antonio, TX 78212
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(210) 352-2046
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OTHER PERMANENT HOUSING
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San Antonio Housing Authority
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818 S Flores St, 78204
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(210) 477-6262
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SAMM Ministries
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Fair Housing discrimination complaints
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Under Federal law, discrimination occurs when an individual is provided different or unequal treatment in housing situations because of race, color, sex, religion, national origin, familial status or disability. The City of San Antonio also prohibits discrimination based on an individual’s veterans status, sexual orientation or how the individual’s gender identity.
It is unlawful for any person, including, but not limited to, owners, landlords, agents, real estate brokers, real estate salespersons, trustees, mortgagors, financial institution, title companies and/or insurance companies to:
- Discriminate against any person in the sale, lease, rental or any other condition involving housing. Also, to discriminate in the extension of mortgage loans, insurance or any other services related to the financing and/or transfer of interest in any dwelling.
- Discriminate in the terms, conditions or privileges of sale or rental of a dwelling. Print, publish or advertise sale or rental of a dwelling which indicates preference, limitations or discrimination.
- Represent to any person that a house is not available for inspection, sale or rental, when such a house is, in fact available. Induce, or attempt to induce, for profit, any person to sell or rent a house by representation regarding the entry or prospective entry into the neighborhood of a person or persons of a particular race, color, religion, sex, national origin, familial status, disability, veteran’s status, sexual orientation or gender identity.
- An apartment manager takes your lease application and you are never contacted.
- You are told that only married couples can purchase the unit.
- A vacancy sign appears in the window, you and your child go into the office to inquire, but the manager tells you there are no longer any units available.
- Even though there are multiple vacancies at a complex, management tells you that you cannot move in right away and are placed on a waiting list, but your friend is told they can move in right away.
- Your rental deposit and/or monthly rent are a higher amount than that of other tenants.
- You are directed away from a neighborhood because “the neighbors might not be friendly” .
- An Ad in the paper continues to appear after you were told that it was rented.
- You are told a higher selling price for a home than what was advertised, or what you hear others being told.
- Your real estate agent only shows you homes on certain parts of towns.
- A Mortgage Company or bank of your choice refuses to approve a loan even though you qualify.
The City of San Antonio Fair Housing/Housing Counseling Program is responsible for investigating violations of city and federal fair housing laws. The program assists area residents in need of information regarding their housing rights and in the resolution of housing related discrimination complaints.
An initial informal method of resolving a housing discrimination complaint is used to attempt to reach a solution and resolve the disagreement as quickly and as fairly as possible. For any case where informal resolution is not possible, the City of San Antonio will refer the complaint directly to the U.S. Department of Housing and Urban Development for further investigative action.
To file a claim, call or visit the city of San Antonio’s Fair Housing Program office or use the online Housing Discrimination form. Please contact us at 210.207.5910 for more information.
View the Office of Equity Non-Discrimination Ordinance