Knowledge is power
Financial Resources
Everything you need to understand money, protect your rights, and build a stronger financial future.
HUD Official Partner Resources
Direct links to HUD.gov's official investor and nonprofit partner programs. These are the same portals used by approved housing counselors, nonprofits, and real estate investors nationwide.
HUD Partners Portal
The official HUD gateway for all partner programs — nonprofits, lenders, housing counselors, and investors.
Single Family Nonprofit Program
HUD-approved nonprofits can purchase HUD Homes (REO properties) before they open to the general public — giving you a first-mover advantage on below-market deals.
- Exclusive 30-day listing period before public bidding opens
- Purchase HUD REO properties at discounted prices
- Must be HUD-approved nonprofit to participate
- Apply via NPDMS at hudp260.com
Section 8 Housing Choice Voucher — Landlord Portal
Become a Section 8 landlord and receive guaranteed monthly rent payments directly from the government. HCV tenants typically stay longer and pay on time.
- Government pays 70–100% of rent directly to landlord
- Consistent, reliable income stream regardless of tenant hardship
- Access to a large pool of pre-screened tenants
- List your unit at GoSection8.com or your local PHA
Low-Income Housing Tax Credits (LIHTC)
The federal government's primary tool for financing affordable rental housing. Investors receive dollar-for-dollar tax credits over 10 years in exchange for keeping rents affordable.
- $10+ billion in tax credits allocated annually nationwide
- 9% credits for new construction; 4% credits for acquisition/rehab
- Credits claimed over 10-year compliance period
- Syndicate credits through equity investors or use directly
FHA Multifamily Loan Programs
HUD-insured FHA loans for multifamily properties offer some of the lowest interest rates and longest terms available — up to 35–40 years with non-recourse financing.
- Section 221(d)(4): New construction & substantial rehab of 5+ units
- Section 223(f): Acquisition or refinance of existing multifamily
- Non-recourse, fully amortizing loans up to 40 years
- Lower rates than conventional due to government insurance
Community Development Block Grants (CDBG)
HUD distributes $3.3 billion annually to states and localities. Nonprofits and developers can access CDBG funds for housing rehab, infrastructure, and community development projects.
- $3.3 billion distributed annually to entitlement communities
- Eligible uses: housing rehab, acquisition, demolition, infrastructure
- Apply through your local city or county CDBG office
- Can be stacked with HOME funds and LIHTC for maximum leverage
HOME Investment Partnerships Program
HUD's largest grant program for affordable housing. HOME funds can be used for construction, acquisition, rehab, or down payment assistance — and can be stacked with other HUD programs.
- Over $1.5 billion allocated annually to participating jurisdictions
- Eligible uses: rental housing, homeownership, rehab, DPA
- Community Housing Development Organizations (CHDOs) get 15% set-aside
- Apply through your local Participating Jurisdiction (PJ)
Topic Guides
Glossary of Financial Terms
Don't let financial jargon slow you down. Here are the key terms every financially empowered person should know.
Credit Bureau Dispute Letters
Enter your information once and our step-by-step wizard builds a personalized, FCRA-compliant dispute letter using your name, address, and the specific issues on your credit report. Choose up to 5 issues, preview your letter instantly, then copy, print, or email it directly to yourself as a formatted PDF — ready to mail to the bureau.
Fair Credit Reporting Act (FCRA)
The FCRA is a federal law that protects your rights around credit reporting. Here's what it means for you.
Free Annual Credit Report
You have the right to one free credit report per year from each of the three major bureaus: Equifax, Experian, and TransUnion.
Dispute Inaccurate Information
If something on your credit report is wrong, you have the right to dispute it and have it corrected or removed.
Know Who Accessed Your Report
You can request a list of everyone who has accessed your credit report in the past year.
Remove Outdated Negative Info
Most negative information must be removed from your report after 7 years. Bankruptcies may stay up to 10 years.
Consent Required for Employment
Employers must get your written permission before pulling your credit report for hiring decisions.