In immediate need of emergency rental assistance in Washington, PA

(Request from B. in Washington, Pennsylvania) I have a 3 year old and I am working. I have to be out of the home in staying in this week and don’t really know what to do next.

Dear B,

I understand that you may be homeless if you cannot get help within the next few days. Fortunately you are working, which will allow for greater options in getting you moved into a safe and affordable home. Here are some possibilities for helping you make the transition out of your current temporary living situation.

Community Action Southwest

It may be possible to qualify for an Emergency Solutions Grant through Community Action Southwest (CAS). You meet one specific eligibility requirement since you are currently working. That is an important consideration. Also, it may improve your application given the fact that you have a young child in the home.

CAS generally wants to see that you will be successful in living independently if they help you get through your temporary financial crisis. Be prepared to share with them information about any unexpected circumstances that have caused hardship to you and your family as this can also improve the chances that your application will be approved.

CAS provides help with utilities as well as emergency rental assistance in Washington, PA and nearby Greene County.

Washington County Homeless Services and Housing Assistance Programs

Washington County does maintain programs that may be able to assist with emergency and transitional housing as well as permanent supportive housing. They also operate homeless prevention programs.

The Department of Human Services provides the case managers that can assess your situation and determine appropriate courses of action and resources to help your family get immediate and lasting help. The goal is to help you recover from your financial troubles and allow you to become completely self-sufficient after a period of time.

You will need to meet with a case manager and provide the necessary documentation to accompany an application for rental assistance. This application may be delivered to the county office on W. Beau Street in Washington. You can call 724-228-6700 if you need additional information about eligibility requirements as well as a list of what to bring.

Washington County Housing Authority

The Washington County Housing Authority (WCHA) provides subsidized housing for families that need a break from high market rent prices. These types of rent-controlled apartments tend to cost no more than 30-40% of your monthly income.

The priority is to provide you with a safe place to call home for an extended period of time while you work on improving your education and finding a better paying job. It also gives you a chance to build your savings for a security deposit on a future apartment while you take advantage of classes on budgeting and credit. Here are current communities that provide subsidized rent:

  • Bassettown Manor provides housing for those with a disability or who are elderly.
  • Crumrine Tower also focuses on the disabled and elderly.
  • Highland Avenue Apartments are townhomes on North Lincoln Street.
  • Jollick Manor is open to families in need.
  • Lincoln Terrace provides several units as well as a community center.
  • Maple Terrace/Maple Terrace View are townhomes on the north side of town.

The Washington County Housing Authority focuses more on permanent solutions for needy families rather than providing emergency rental assistance. Still, case managers can work to line up the appropriate referrals for eligible families who need help now while waiting for a permanent solution. For more information about vacancies and eligibility requirements, call WCHA at 724-228-6060.

Nonprofit Emergency Rental Assistance Loans

While for-profit loan companies typically charge upwards of 30% or more for rent loans, credit unions offer a nonprofit alternative that can help in a pinch. These can be appropriate for some tenants who need help with a security deposit and other move in requirements, especially when facing an eviction or otherwise in urgent need to find a place to live.

  • Washington Community Federal Credit Union has an open membership policy for Washington County and Greene County residents. WCFCU offers rental loans (8.99% APR at press time) once you become a member.
  • Jessop Community Federal Credit Union is also open for Washington County residents. Loan rates could range from 9-17% (as of press time), or as little as 6% if you have collateral.
  • Wabellco Federal Credit Union‘s open membership gives you another option for a rental assistance loan. We discovered loan rates from 4-11% (at press time).
  • Washington Area Federal Credit Union could be an option, but only if your employer becomes affiliated with the organization. Rates were 7.75% (at press time) for well-qualified applicants, so it is possible that your rate could be higher depending on your credit scores and income.

Emergency rental assistance in Washington, Pennsylvania can be found through these local organizations. Grant and loan options may be available, so be sure to contact multiple organizations to find the best fit for your needs.