The Frost Progress Mortgage is designed to make homeownership attainable for all:

• For borrowers who earn less than 80% of the area median income
• No down payment for qualified borrowers
• Includes a 30-year fixed rate
• No minimum loan amount
• Financing up to 100% available
• Up to $4,000 credit toward closing cost
• No Private Mortgage Insurance required
• Fully underwritten pre-approval, good for 90 days

For borrowers who earn less than 80% of the area median income

• Mortgage Assistance

• Income: must be less than 80 % of AMI to qualify.

NVOP's Rapid Rehousing program, funded through a grant by the U.S. Department of HUD, reaches out to help homeless veterans with families find suitable and stable housing.

This program offers rental assistance to homeless veterans and their families in San Antonio. We help them rapidly find stable housing with services including:

• Rental Assistance
• Suitable housing search
• Support Services

Veterans only.

• Referrals to Case Management

• Rental Assistance

• Veteran

SSVF, funded through the Department of Veteran Affairs, is a program designed to assist very low-income veteran families in obtaining permanent housing. NVOP operates SSVF programs in both San Antonio and El Paso.

Under the program, participants receive client-centered case management, individualized housing stability counseling, assistance with obtaining public benefits, referrals to community agencies, and other support services as needed.

Eligible clients include:

• Veteran families currently homeless staying in their cars, parks, abandoned buildings, airports, camping grounds, etc.
• Currently living in their home but at risk of eviction
• Veteran families currently homeless staying in a shelter, transitional housing, hotel, or motel.
• Veteran families who are currently homeless, but scheduled to move into permanent housing within 90 days

• Referrals to Case Management

While SAHA is not charging fees or penalties to Public Housing residents, other landlords, including those of Section 8 voucher holders, can still charge and collect rent, fees, and penalties under the terms in the lease, but are not allowed to file for eviction based on non-payment rent. Voucher holders with past-due rent are encouraged to reach out to their landlords now to discuss options for repayment agreements.

The CDC Order does not waive an individual of their obligation to pay rent or comply with any other obligation. Renters are still required to pay all past-due rent and are encouraged to reach out to SAHA if their income has been impacted by COVID-19. SAHA may need to recalculate rent payments and also offers repayment plans to Public Housing residents and accepts partial payments for those unable to pay rent in full each month.

Under the CDC Eviction Order, tenants may still be evicted for:

• Engaging in criminal activity on the premises;
• Threatening the health or safety of other residents;
• Damaging or posing an immediate and significant risk of damage to property;
• Violating any applicable building code, health ordinance, or similar regulation relating to health and safety; or
• Violating any other contractual obligation (other than late fees, penalties, or interest).

In addition, SAHA clients may also qualify for emergency rental or utility assistance from the City of San Antonio. To learn more and submit an application online, please visit the City’s COVID-19 Emergency Housing Assistance website here.

The Rental Assistance Program closed on October 17, 2022. Please check our website for updates.

We offer comprehensive services for people living with HIV.

Case Management: Our team of case managers and community health workers offer medical and non-medical case management to help you achieve your health goals.

Early Intervention: Were you recently diagnosed with HIV or want to return to care? The ASCEND program is here to guide you through the medical care system.

Health Insurance: AARC’s health insurance program can help you continue medical care without gaps in health insurance coverage or disruption of treatment.

Behavioral Health: Mental health services are provided to individuals and families who are dealing with various life stressors. Psychiatric services are also available.

Housing Services: AARC provides housing referrals and short-term rental, mortgage, utility assistance, and housing case management for those who qualify.

Transportation Services: From doctor appointments to your counseling sessions AARC’s transportation can you get there.

• Referrals to Case Management

• Rental Assistance
• Mortgage Assistance
• Utility Assistance - Electric
• Utility Assistance - Water

The Rapid Re-Housing program reduces the amount of time a family experiences homelessness and rapidly re-houses families into permanent, affordable homes. Financial assistance is provided for up to 3 months along with 12 months of case management.

Rapid Re-Housing Program provides:

• Assistance with deposit, rent, and utilities for up to 3 months
• Case management with emphasis on budgeting and maintaining self-sufficiency for 12 months

Individuals and families are housed in apartments they select. (The apartment must meet HUD habitability standards and be within fair-market rent/rent reasonableness guidelines based upon household size.

The individual or family:

• must be "literally homeless" by HUD definition (living in an emergency shelter, on the street, or in a place not meant for habitation).
• must be referred by the community's Coordinated Entry system. Call (210) 207-1799 to get that started.

• Couple with Children
• Mother and Children
• Father with Children
• Grandparent(s) Raising Children

• Rental Assistance
• Utility Assistance - Electric
• Utility Assistance - Gas
• Utility Assistance - Water

• For Renters

• Help with Deposits

Provides rent and utility assistance for up to 12 months, for individuals with an active LOCA 1-5 who are homeless or at imminent risk of becoming homeless.

• Rental Assistance
• Utility Assistance - Electric
• Utility Assistance - Water

Provides housing assistance to individuals who are homeless, at imminent risk of becoming homeless, or entering or exiting an institutional setting through the HABC Section 8 Division.

• Rental Assistance

• Help with Deposits

• Income: must be less than 50 % of AMI to qualify.

The Center helps people who are experiencing chronic homeless and actively receiving outpatient treatment in our programs obtain a permanent Section 8 voucher with the San Antonio Housing Authority (SAHA).

• Permanent Supportive Housing

• Rental Assistance

• Mental Health History

Provides housing assistance to individuals who are homeless, at imminent risk of becoming homeless, or those entering or exiting an institutional setting through SAHA Section 8 Division.

• Rental Assistance

• Help with Deposits

• Income: must be less than 50 % of AMI to qualify.

The Center administers up to two years of rental assistance to applicants who are actively receiving treatment in CHCS programs and need rental assistance.

TBRA is a contract funded by the Texas Department of Housing and Community Affairs (TDHCA).

To take advantage of the Supported Housing Programs you must meet these qualifications:

• be a current adult mental health consumer with The Center for Health Care Services Outpatient Clinics. (CHCS offers services for mental health disorders and substance use challenges.)
• have verifiable income
• be verifiably homeless by HUD definition (an individual or family with a primary nighttime residence that is a public or private place not designed for or ordinarily used as a regular sleeping accommodation for human beings, including a car, park, abandoned building, bus or train station, airport, or campground)
• have a valid government-issued I.D., birth certificate, and Social Security card

• Rental Assistance

• Mental Health History

We provide assistance to men and women who are coming out of drug or alcohol rehab or incarceration and need a safe, clean and sober living environment to prevent relapse and reduce the likelihood of becoming homeless.

We provide emergency housing assistance by paying the security deposit and first two weeks of rent for entry into an approved sober living home, as well as grocery gift cards and bus passes whenever possible to remove barriers to getting employed.

We also provide referral assistance to other collaborating agencies that help the client with job search assistance and work-appropriate clothing.

Our programs have strict eligibility criteria, including:

• having a sponsor
• attending recovery-related meetings
• being employed or actively looking for work
• submitting to random substance use screening
• adherence to an absolute zero-tolerance substance use policy

• Rental Assistance

• Help with Deposits

In collaboration with others, we offer an array of services to the poor and vulnerable in and around San Antonio, including underserved, unincorporated areas of Bexar County with high levels of poverty. The program serves a broad population of all ages, with a special focus on veterans, the disabled, seniors, those with children under 5, the homeless, and those at high risk of becoming homeless.

Through our Essential Services Program, we offer an array of programs and services that address basic needs. In addition, limited financial assistance is provided for expenses such as utility bills, rent, and medication to low-income individuals as outlined by the Department of Housing and Urban Development. We also offer a Rapid Rehousing Program funded by Bexar County Economic and Community Development Department Development Services Division and City of San Antonio - Dept. of Human Services.

In addition, because we guide and oversee a network of more than 59 Conference distribution sites in the community (offering an array of services), we can connect those in need to the conference located closest to them.

• Referrals to Case Management

• Income: must be less than 50 % of AMI to qualify.

The City of San Antonio's Affordable Housing Initiative seeks to provide quality affordable housing to all citizens regardless of income level.

Accessory dwelling units (ADUs) have become a source of income to help families remain in their homes while providing affordable housing to the elderly, single-person households, and students.

Click here for a list of requirements that must be met, permit application, incentives, and other helpful information.

• Income: must be less than 80 % of AMI to qualify.

The goal of the Fair Housing/ Housing Counseling Program is to help residents maintain housing stability, which is key to family well-being. The program is a Department of Housing and Urban Development (HUD)-approved housing counseling agency.

The Fair Housing Program provides the following services to rental tenants, homeowners and landlords:

• Tenant and landlord mediation
• Default counseling to homeowners
• Housing Discrimination Complaints
• Referrals and community outreach
• Rent Assistance
• Mortgage Assistance
• Utility Assistance

Limited resources available. Call for information. Re-apply frequently.

• Referrals to Case Management

• Rental Assistance
• Mortgage Assistance
• Utility Assistance - Electric

• Housing Counseling - General
• Housing Counseling and Mediation - Mortgage Default
• Housing Counseling and Mediation - Discrimination
• Tenants Rights

The Society of St. Vincent de Paul offers tangible assistance to those in need on a person-to-person basis. It is this personalized involvement that makes the work of the Society unique. This aid may take the form of intervention, consultation, or often through direct dollar or in-kind service. An essential precept of the Society's work is to provide help while conscientiously maintaining the confidentiality and dignity of those who are served. The Society recognizes that it must assume, also, a role of advocacy for those who are defenseless or voiceless.

Must reside within parish boundary.

Habitat for Humanity of San Antonio is an ecumenical Christian non-profit housing organization working in partnership with God’s people in need to build modest, decent, and affordable houses without interest or profit, thereby witnessing God’s love in action.

Seeking to put God’s love into action, Habitat for Humanity of San Antonio brings people together to build homes, communities, and hope.

Monthly payments average $600 (including taxes and insurance).

In our 40-year history, we have less than a 1.5% foreclosure rate.

We work with families whose total income is between 20% – 70% of the area's median income (AMI).

Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner.

Applicants must be residents of Bexar County.

Once accepted, homeowners are eligible to buy a home from Habitat with a 20 – 25 year zero percent interest mortgage.

Families spend a minimum of 300 hours investing in “sweat equity,” where they support and help build their own homes and the homes of their neighbors.

Families partner with us and contribute a minimum of 300 hours of sweat equity, 15-20 hours of Home Owner Readiness classes and pay a minimal down payment on their mortgage. Mortgage payments are around $600 a month and include taxes and insurance.

• For Potential Homebuyers

• Prospective Homeowners

• English
• Spanish

This program provides emergency assistance for food, rent, and utilities.

(The Social Service office is located in classroom #3 of the school building.)

• Must be living within parish boundaries or be a registered parishioner.
• ID is required to receive services.
• Those seeking utility or rent assistance must have a disconnection notice.
• Those seeking rent assistance must live in public housing (SAHA) and have an eviction notice.

• Rental Assistance
• Utility Assistance - Electric
• Utility Assistance - Water

The HUD-Veterans Affairs Supportive Housing (HUD-VASH) program for homeless veterans combines Housing Choice Voucher (HCV) rental assistance with case management and clinical services provided by the Department of Veterans Affairs (VA) at VA medical centers and community-based outreach clinics.

Homeless veterans are screened by the VA and then referred to HABC.

Homeless veterans only.

• Vouchers

• Veteran

This program provides one-time emergency financial assistance to prevent homelessness or utility disconnection, as well as financial coaching and budgeting assessment for income-eligible individuals and families.

An eviction notice and/or a utility disconnection notice are required.

• Rental Assistance

Refugee Cash Assistance (RCA) is a state-funded, employment-based cash assistance program.

RCA is for clients who are not eligible for assistance under the Temporary Assistance for Needy Families (TANF) program. Assistance is available for the first eight months after arrival in the United States.

For additional information please call 210-242-3137 and speak with the program director, Juliana Horn.

This program is for REFUGEES ONLY.

• Immigrant/Refugee

• Rental Properties
• Referrals to Case Management

• Rental Assistance
• Utility Assistance - Electric
• Utility Assistance - Gas
• Utility Assistance - Water
• Utility Assistance - Internet

• Legal Aid Referrals

• English
• Spanish
• Languages other than English and Spanish

• Insufficient Earnings

The Society of St. Vincent de Paul offers tangible assistance to those in need on a person-to-person basis. It is this personalized involvement that makes the work of the Society unique. This aid may take the form of intervention, consultation, or often through direct dollar or in-kind service. An essential precept of the Society's work is to provide help while conscientiously maintaining the confidentiality and dignity of those who are served. The Society recognizes that it must assume, also, a role of advocacy for those who are defenseless or voiceless.

Requirements:

• Must reside within parish boundary.
• Please wear a mask.
• We serve on a case-to-case basis, we will not turn you away if it is your first visit.

Free.

The Financial and Housing Recovery Center is part of the Recovery and Resiliency Plan for the ongoing COVID-19 pandemic.

The plan includes a section on community resilience, which ensures that households and businesses affected by COVID-19 have the resources and tools to become financially resilient and better prepared to withstand future economic challenges.

Financial Benefits Navigation
Through Financial Benefits Navigation we work with federal, state, and local benefits providers and with community partners, to include referral services such as unemployment, TANF, CHIP, housing authority waitlist registration, utility assistance, rent/mortgage assistance, etc.

Financial Counseling
Financial Counselors through the Financial and Housing Recovery Center, assist residents with budgeting, debt management, credit report education, and linking to positive products through Bank On San Antonio, etc.

• Referrals to Case Management

• Financial Education

• Insufficient Earnings

• English
• Spanish

The Financial and Housing Recovery Center is part of the Recovery and Resiliency Plan for the ongoing COVID-19 pandemic.

The plan includes a section on community resilience, which ensures that households and businesses affected by COVID-19 have the resources and tools to become financially resilient and better prepared to withstand future economic challenges.

Financial Benefits Navigation
Through Financial Benefits Navigation we work with federal, state, and local benefits providers and with community partners, to include referral services such as unemployment, TANF, CHIP, housing authority waitlist registration, utility assistance, rent/mortgage assistance, etc.

Financial Counseling
Financial Counselors through the Financial and Housing Recovery Center, assist residents with budgeting, debt management, credit report education, and linking to positive products through Bank On San Antonio, etc.

• Referrals to Case Management

• Financial Education

• Insufficient Earnings

• English
• Spanish

The Society of St. Vincent de Paul offers tangible assistance to those in need on a person-to-person basis. It is this personalized involvement that makes the work of the Society unique. This aid may take the form of intervention, consultation, or often through direct dollar or in-kind service. An essential precept of the Society's work is to provide help while conscientiously maintaining the confidentiality and dignity of those who are served. The Society recognizes that it must assume, also, a role of advocacy for those who are defenseless or voiceless.

Must reside within parish boundary. Food service requires walk-in. Utility Assistance requires a home visit

Harper's Chapel Ministries, in partnership with the City of San Antonio Department of Human Services Homeless Division and Daily Bread Ministries, has established a Resource Hub to assist the residential and houseless community.

Services provided include:

• Food Pantry for the community
• Gently used clothes and shoes
• Hygiene items
• Showers for our homeless neighbors 
• Employment Assistance and other social services

Free

The Claude Black Community Center provides an array of services to the local community, including providing comprehensive nutrition services for seniors and housing emergency assistance services.

Members of the public can also reserve space for community meetings and activities.

For information on the Center or on activities provided at the center please contact the Center.

• Housing Case Management
• Referrals to Case Management

• Utility Assistance - Electric
• Utility Assistance - Water
• Utility Assistance - Internet
• Financial Education

• Insufficient Earnings

The Society of St. Vincent de Paul offers tangible assistance to those in need on a person-to-person basis. It is this personalized involvement that makes the work of the Society unique. This aid may take the form of intervention, consultation, or often through direct dollar or in-kind service. An essential precept of the Society's work is to provide help while conscientiously maintaining the confidentiality and dignity of those who are served. The Society recognizes that it must assume, also, a role of advocacy for those who are defenseless or voiceless.

Requirements:

• Valid ID preferred.
• Must reside within parish boundary.
• Application with household members and information.
• Clothing and Household items also available on food distribution days, you do not need to live in parish boundaries for these items.

We provide confidential, personal assistance to Veterans, family members, caregivers and widows to help locate or resolve unmet needs that other programs may not support.

Our services includes outreach to both active military, Veterans and their families from all wars, conflicts and periods of service. Our model is simple, if you or your loved one served our country, let us serve you now!

Free

• Utility Assistance - Electric
• Utility Assistance - Water

• Veteran

The Society of St. Vincent de Paul offers tangible assistance to those in need on a person-to-person basis. It is this personalized involvement that makes the work of the Society unique. This aid may take the form of intervention, consultation, or often through direct dollar or in-kind service. An essential precept of the Society's work is to provide help while conscientiously maintaining the confidentiality and dignity of those who are served. The Society recognizes that it must assume, also, a role of advocacy for those who are defenseless or voiceless.

Must reside within parish boundary.