Housing Authorities in Maine

State of Housing in MaineThe housing programs in the State of Maine are under six categories, namely 1) Homebuyer assistance, 2) Home improvement Assistance, 3) rental assistance, 4) energy assistance, 5) homeless assistance, and 6) housing development.

First Home Program

The First Home Program provides low fixed rate mortgages to people who have not owned homes in the last three years. No point and low point options are available. Although income limits apply, most Maine households are income-eligible for the program. First Home mortgages also offer payment protection for eligible borrowers who lose their jobs.

Operation New Home

Operation New Home provides low fixed-rate mortgages to veterans and active duty military personnel. No point and low point options are available. Although income limits apply, most Maine households are income-eligible for the program. People who are already homeowners are eligible, but they must be purchasing a home that will be used as their primary residence.

Disaster Assistance Loan Programs

The Disaster Assistance Loan Programs offers low-interest rate home repair loans and home replacement mortgages to homeowners whose homes are damaged or destroyed in a declared natural disaster.

Indian Housing Mortgage Insurance Program

The Indian Housing Mortgage Insurance Program is a mortgage insurance program for homes located on tribal land. ThisState of Housing in Maine program provides a loan guarantee to lenders who finance homes on tribal land where the restrictions on ownership prevent lenders from holding a mortgage on the property.

Home Repair

Maine Housing's Home Repair Program provides help to low-income home owners who cannot afford necessary home repairs.

Lead Hazard Control Program

Maine Housing’s Lead Hazard Control Program provides 0% deferred, forgivable loans to make lower-income homes lead safe. Making homes lead safe may involve paint removal or stabilization. It may also involve window and door replacements. The entire amount of the loan is forgiven after 3 years, provided that the property isn’t refinanced or sold during that time, and in the case of rental property, that the units are kept affordable.

Weatherization

Maine Housing’s Weatherization Program provides grants to low-income homeowners and renters to reduce energy costs by improving home energy efficiency. Maine Housing offers this program to consumers through Community Action Program agencies, who screen people for eligibility as part of the LIHEAP application process.

Central Heating Improvement Program

MaineHousing’s Central Heating Improvement Program (CHIP) provides grants to repair or replace central heating systems that serve low-income households.

Disaster Assistance Loan Programs

The Disaster Assistance Loan Programs offers low-interest rate home repair loans and home replacement mortgages to homeowners whose homes are damaged or destroyed in a declared natural disaster.

Housing Choice Vouchers

Maine Housing’s Section 8 Housing Choice Voucher Program provides rental assistance to income eligible tenants byState of Housing in Maine subsidizing a portion of their monthly rents and paying it directly to their landlords.

Family Self-Sufficiency Program

The FSS Program helps families that have Housing Choice Vouchers to start savings accounts and find jobs. Having a job and savings will help you to become independent. It is way to invest in your future. With FSS, you can finish school, find a better job, or start a business. You can get care for your children or transportation that you need to keep your job.

Stability through Engagement Program

STEP is designed to provide short term rental assistance for 6-12 months to help individuals and families achieve housing stability. The focus is on rapidly re-housing people who are homeless and referred by a shelter in one of the six counties where the program is offered.

Subsidized Apartments

With financing from MaineHousing and other government sources, affordable apartments have been developed across the State. MaineHousing provides landlord contact information for these apartments to prospective tenants.

Low Income Home Energy Assistance Program

The Low Income Home Energy Assistance Program (commonly called LIHEAP or HEAP Fuel Assistance) provides money to low income homeowners and renters to help pay heating costs. The funds are distributed throughout Maine by 9 Community Action Agencies, in most cases directly to the fuel vendors. The program is not intended to pay for all heating costs, but to assist in paying the heating bills.

Low Income Assistance Plan

Low Income Assistance Plan (LIAP) helps low-income homeowners and renters with their electric utility bills. MaineHousing, through Community Action Agencies, accepts customer applications for LIAP as part of the LIHEAP application process.

Weatherization

MaineHousing’s Weatherization Program provides grants to low-income homeowners and renters to reduce energy costsState of Housing in Maine by improving home energy efficiency. MaineHousing offers this program to consumers through Community Action Program agencies, who screen people for eligibility as part of the LIHEAP application process.

Central Heating Improvement Program

MaineHousing’s Central Heating Improvement Program (CHIP) provides grants to repair or replace central heating systems that serve low-income households.

Emergency Shelter Funding

MaineHousing provides homeless assistance grants to emergency shelters serving people who are homeless.

Stability through Engagement Program

STEP is designed to provide short term rental assistance for 6-12 months to help individuals and families achieve housing stability. The focus is on rapidly re-housing people who are homeless and referred by a shelter in one of the six counties where the program is offered.

Emergency Shelter List

This list provides information on the locations of emergency shelters throughout Maine. MaineHousing helps to support many of these shelters by providing funds for operating expenses and capital improvements.

Low Income Housing Tax Credit Program

The Low Income Housing Tax Credits are a federal resource that MaineHousing allocates in Maine. The credits are allocated to developers, who sell (syndicate) them to corporate investors. Money raised from the sale is used as equity in the developer’s rental housing project.

Rental Loan Program

The Rental Loan Program (RLP) provides long-term mortgage financing at attractive interest rates for development of affordable rental housing in projects of 5 or more units.

Supportive Housing Programs

The Supportive Housing Programs (SHP) provide reduced interest rate debt financing and subsidy funds to eligibleState of Housing in Maine nonprofit developers to create housing for low- and very low- income persons with special needs.

Revolving Loan for Acquisition Program

The Revolving Loan for Acquisition Program provides loans up to $300,000 to assist developers in the acquisition of land or land and buildings for the development of affordable housing projects. Eligible projects include those that qualify and have applied (or will apply) to the tax credit financing programs, and projects that will create supportive housing units for people with special needs. The loan term is 24 months, and repayment is deferred until the project’s permanent loan closing or the end of the term.

Affordable Housing Tax Increment Financing

The Affordable Housing Tax Increment Financing (AHTIF) Program enables communities to dedicate the incremental tax revenues from new affordable housing development to help make the housing affordable or to pay for related costs.

Loan Modification Program

The Loan Modification Program offers owners of MaineHousing-financed multi-family properties the opportunity to restructure MaineHousing debt by modifying interest rates, extending loan terms, or both. Loan modifications generally lower debt service payments in return for extended project affordability.

Subsequent Loan Program

The Subsequent Loan Program provides additional financing to owners of existing MaineHousing-financed properties for such things as unanticipated operating shortfalls, capital improvements and creation of new units.

Multifamily Home Energy Loan Program

This program provides low interest loans for multifamily housing improvements that increase energy efficiency and conservation of resources.

Eligibility

Income Limits

FY 2013 Very Low-Income (50%) Limit (VLIL)
Maine
Income Limit Information Median Family Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 VLIL $61,900 $21,650 $24,750 $27,850 $30,950 $33,450 $35,900 $38,400 $40,850
FY 2013 Extremely Low-Income (30%) Limit (ELIL)
Maine
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 ELIL $13,000 $14,850 $16,700 $18,550 $20,050 $21,550 $23,050 $24,500
FY 2013 Low-Income (80%) Limit (LIL)
Maine
Income Limit Information 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
FY 2013 LIL $34,650 $39,600 $44,550 $49,500 $53,500 $57,450 $61,400 $65,350

Eligibility for public housing depends largely on income, background, and status. Income guidelines vary from year to year and region to region. To live in state assisted elderly public housing, you must be at least 60 years old. If you are a person with a disability, you must meet certain criteria to be eligible for state or federal housing for disabled persons.Tenants residing in elderly/handicapped public housing pay 30% of net income and do not pay for any utilities.Tenants residing in the family public housing development pay 30% of net income and pay for some utilities.Tenants residing at our "off-site" family housing program pay 32% of net income and do not pay for any utilities. The following enjoy preferential status:

  • Persons who are homeless due to natural disasters.
  • Persons who are homeless due to public action.
  • Persons with emergency needs (such as domestic violence victims, persons with medical emergencies, or homeless persons facing an immediate threat to their health and safety.
  • Veterans and local residents.

Unemployment and Housing Waiting Lists

The unemployment rate for Maine fell 0.2 percentage points in March 2013 to 7.1%. The state unemployment rate was 0.5 percentage points lower than the national rate for the month.

Unemployment RateMarch 2013Month/MonthYear/Year
National 7.6% -0.1 -0.6
Louisiana 7.1% -0.2 -0.2

Unemployment rate is found to be correlational with the waiting lists in public housing and assisted rent. The higher the unemployment rate is, the longer the waiting list is.

Brunswick Housing Authority Written by Super User 1393
Portland Housing Authority Written by Super User 1426
Westbrook Housing Authority Written by Super User 1499