CITY OF SAN ANTONIO
Are you a homeowner interested in applying for the City of San Antonio’s Home Rehabilitation Program?
If so, we can help! From October 1, 2023, through November 20, 2023, The Health Collaborative is partnering with the City of San Antonio Neighborhood & Housing Services Department (NHSD) to assist residents with applying for the Home Rehab Program for major or minor rehab or rooftop shingle replacement. More information is available at Home Repair & Lead Remediation - City of San Antonio.
If you need assistance applying, call us today at
DOWNLOAD HOME REHAB INFORMATION PACKET
How to Apply
The home rehab online application will be open from Monday, October 23 – Monday, November 20.
Applications will only be accepted online. Homeowners can receive help with an application submission from our nonprofit organization, The Health Collaborative
Call for more information
Help is available in multiple languages
FINANCIAL LITERACY COUNSELING
As a part of our Housing Program, we provide financial counseling and workshops for you to learn about and manage your finances most efficiently.
DO YOU HAVE A GOOD UNDERSTANDING OF YOUR FINANCIAL SITUATION?
HOW TO GENERATE MORE INCOME
LIVE FREE: REDUCE AND ELIMINATE DEBT
WAYS TO PREPARE YOURSELF FOR A BIG PURCHASE (A HOME)
CALCULATION OF PERSONAL FINANCIAL INDICES
THE WORLD OF CREDIT
FINANCIAL GOALS: MAKE AN ACTION PLAN
BUILDING AND REPARING YOUR CREDIT
EVERYTHING YOU NEED TO KNOW HOW TO OPEN A BUSINESS
HOW TO CHOOSE AND MANAGE YOUR CREDIT CARDS
FINANCIAL STEPS FOR EXPECTING AND NEW PARENTS
FINANCIAL SECURITY FOR SENIORS: NEVER TOO EARLY TO START
FINANCIAL LITERACY FOR YOUNG ADULTS
Our Most Requested Topics include:
You can schedule your counseling sessions and get guidance on the issues that concern you. Our workshops are customized, confidential, tailored to your schedule, and FREE. You also have an option for an individual, family or a couple counseling.
Announcements and Updates
Program Closed to Applications
With requests for assistance now exceeding available Texas Homeowner Assistance funds, the program stopped accepting new applications on October 9, 2023.
Applications that were not submitted by midnight on October 9, 2023 will not be processed.
We will continue to prioritize and review submitted applications based on program guidelines until all program funds have been committed for payments. Please watch for official communication from the program and respond as soon as possible to requests for additional information.
You can check your application status at any time by visiting the application portal. Please note submitting an application does not guarantee you will receive assistance.
TEXAS HOMEOWNER ASSISTANCE PROGRAM
Please, note that TXHAF Program is for Texas HOMEOWNERS only. If you are renting, please, click here
Texas Homeowner Assistance has more than $600 million available for qualified homeowners who experienced financial hardship due to the COVID-19 pandemic. The Texas Homeowner Assistance program provides financial assistance to homeowners who are struggling to make their mortgage payments. We will explain how the program works and provide instructions on how to apply for assistance.
Find support and get help with your TXHAF application at
The Health Collaborative
Understand your mortgage. Relief options are determined by your mortgage type.
Help for Texans
Contact your loan servicer to learn what is available to you and what documents you need
Texas homeowners may be eligible for assistance if they meet the following criteria:
Experienced a qualified financial hardship due to the pandemic
Are behind on one or more of the following payments: mortgage loans, property taxes, property insurance, homeowner/condo association fees, or utility bills
Have a household income at or below 100% Area Median Income (AMI) or 100% of the median income for the United States, whichever is greater
Own and occupy a home in Texas as a primary residence
You may be eligible for the Texas Homeowner Assistance Program if you meet the following criteria:
You are behind on your mortgage, property taxes, property insurance, or HOA fees.
Your household income is at or below 100% of the Area Median Income or United States
You own and occupy your home in Texas and this is your primary residence.
You have experienced lost income or incurring increased expenses due to the COVID 19 pandemic.
Ant, ghost and vampire expenses: what are they and how to avoid them?
We refer to as ant expenses to a series of small payments for services or products, sometimes unnecessary, that we make on a daily basis, almost unconsciously, but which little by little reduce an important part of our budget at the end of the year. How many times have we asked ourselves: “Where have I spent all my money on this month?
Coffee, croissants, the lunch menu, are small treats that make our day, but a perfect example of micro-expenditure, although not always dispensable, that we can reduce the cost of. Bringing home-cooked food or shopping at the supermarket instead of eating out every day only saves a few dollars a week, but you will no doubt be surprised at the savings you can make by calculating how much these micro-expenses add to your annual bill.
Here are some tips for saving money:
Create a budget: Start by listing all your income sources and expenses. Differentiate between fixed expenses (like rent, utilities, and loan payments) and variable expenses (like groceries, entertainment, and dining out). Allocate a portion of your income for savings.
Track your expenses: Keep a record of all your expenses, either manually or by using budgeting apps. This will help you understand where your money is going and identify areas where you can cut back.
Reduce unnecessary expenses: Review your variable expenses and identify areas where you can make cuts. For example, consider cooking at home instead of eating out, cancel subscriptions you don't use, and find free or low-cost entertainment options.
Save on utilities: Be mindful of your energy and water consumption. Turn off lights and appliances when not in use, unplug electronics, use energy-efficient bulbs, take shorter showers, and fix any leaks promptly.
Plan your meals: Create a weekly meal plan and make a shopping list accordingly. This will help you avoid impulsive purchases and reduce food waste.
Comparison shop: Before making a purchase, compare prices from different stores or online retailers to ensure you're getting the best deal. Look for discounts, sales, and coupons.
Automate your savings: Set up automatic transfers from your checking account to a savings account each month. This way, you'll save money consistently without having to think about it.
Prioritize debt repayment: If you have high-interest debt, such as credit card debt, focus on paying it off as quickly as possible. Consider consolidating your debts or negotiating with creditors for better repayment terms.
Set financial goals: Define short-term and long-term financial goals, such as building an emergency fund, saving for a down payment on a house, or planning for retirement. Having clear goals can motivate you to save more effectively.
Seek professional advice: If you're struggling to manage your finances or save money, consider consulting a financial advisor who can provide personalized guidance and help you create a sustainable savings plan.
Remember, saving money requires discipline and a willingness to make changes in your spending habits. By being mindful of your expenses and making conscious choices, you can gradually build a stronger financial foundation.