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Housing and energy

Need help paying your mortgage, rent, or home energy bills?

Housing assistance

Veterans can find housing resources at the National Resource Directory; search with keyword "housing" and your location.

Buying a home

Find out if you qualify and how to apply for a VA home loan. VA home loans are provided by private lenders, such as banks and mortgage companies. The VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms

Mortgage help

Are you behind on your mortgage payments or in danger of losing your home?

Rental assistance

  • Learn about rental assistance by reading through these common questions on renting from the U.S. Department of Housing and Urban Affairs.
  • If you live in a rural area, you may qualify for rental assistance from the Housing and Community Facilities Programs. Contact your local office.

Energy assistance

Having trouble paying your home energy bills?

You might qualify for assistance from the Low Income Home Energy Assistance Program (LIHEAP), a federally funded program that helps low-income households with their home energy bills.

Find information from the National Energy Assistance Referral (NEAR) project. NEAR is a free service that provides information on where you can apply for LIHEAP. To contact NEAR:

  • Call the toll-free phone number at 1-866-674-6327 Monday through Friday, from 7 a.m.- 5 p.m. (Mountain Time).
  • Send an e-mail to: energy@ncat.org

Each state operates their own LIHEAP program with their own eligibility guidelines. Find details about your State LIHEAP Program.