Community Housing Support: A Comprehensive List of Resources

Understanding Community Housing Support: A Path to Stability

Community housing support refers to programs and services designed to help individuals and families find safe, affordable housing while providing additional resources for long-term stability. For those seeking immediate assistance, here are the key types of support available:

• Rental assistance programs (Section 8, Housing Choice Vouchers)
• Affordable housing developments managed by non-profit organizations
• Supportive services including financial education, employment assistance, and health resources
• Emergency housing assistance for those facing homelessness or eviction
• Special programs for veterans, seniors, people with disabilities, and families

Community housing differs from traditional public housing by offering more than just shelter—it provides wrap-around services aimed at helping residents achieve self-sufficiency and stability. These programs typically cap rent at 30% of household income and are managed by community-based organizations rather than government housing authorities.

The need for comprehensive housing support has never been greater. According to recent statistics, over 132,000 properties are now managed by community housing organizations in Australia alone, while in the United States, nearly one million households receive assistance through public housing programs.

For veterans transitioning to civilian life, these resources offer crucial stability during a challenging period. Community housing providers often have specific programs designed to address the unique needs of former service members, including specialized support services and priority placement.

I’m Beth Southorn, Executive Director of LifeSTEPS, with over three decades of experience developing and implementing community housing support programs that have helped maintain a 98.3% housing retention rate for vulnerable populations across California.

Relevant articles related to community housing support:
– affordable homes for disabled adults
– assisted living for mentally ill

1. Federal & State Housing Programs You Should Know

Feeling lost in the sea of housing assistance options? You’re not alone. Let’s walk through the key programs that can help you or someone you know find stable, affordable housing.

Housing Choice Voucher Program (Section 8)

This popular HUD program puts choice back in your hands. Instead of being assigned to a specific housing complex, you can find a place in the private market that works for your family. The program typically ensures you won’t pay more than 30% of your income toward rent, with the voucher covering the rest.

Greg Parler, who experienced homelessness before finding stability through housing assistance, puts it perfectly: “If somebody tells you housing is not the foundation, they are lying. Without it, you’re stuck, trying to get out.”

Public Housing

Established to provide safe, decent homes for those who need them most, public housing serves approximately 970,000 households across America. These properties are managed by about 3,300 local housing agencies and serve low-income families, seniors, and people with disabilities who might otherwise struggle to find affordable housing.

Community Development Block Grant (CDBG) & HOME Grants

These federal programs give communities flexible funding to address their unique housing challenges. Your local community might use these funds for emergency home repairs, down-payment assistance if you’re buying your first home, or rehabilitation of aging housing to keep neighborhoods vibrant and safe.

USDA Rural Development Housing Programs

Rural communities face unique housing challenges, which is why the USDA offers specialized programs including Single-Family Housing Guaranteed Loans, Multi-Family Housing Direct Loans, and Farm Labor Housing Loans and Grants. These programs ensure that rural Americans aren’t left behind when it comes to housing support.

State-Specific Programs

Depending on where you live, additional resources may be available. California residents can access programs through the California Department of Housing and Community Development, while Texans might find help through the Texas Department of Housing and Community Affairs (TDHCA). These state-level initiatives often fill gaps that federal programs might miss.

How Community Housing Support Differs from Public Housing

While both aim to provide affordable housing, community housing support takes a fundamentally different approach:

Aspect	Public Housing	Community Housing
Management	Government housing authorities	Non-profit organizations, co-ops
Services	Basic housing management	Wrap-around support services
Approach	Housing-focused	Whole-person approach
Rent Structure	30% of income (typically)	30% of income (typically)
Funding	Primarily federal	Mix of public, private, philanthropic
Community Integration	Often concentrated	Often integrated into neighborhoods

The difference is evident in the stories we hear. One resident of a LifeSTEPS-supported community in Sacramento shared: “It’s not just about having a roof over my head. They helped me create a budget, connected me with healthcare, and even helped my kids with after-school programs.”

This whole-person approach is what sets community housing support apart—recognizing that stable housing is just the beginning of a journey toward self-sufficiency and wellbeing. The scientific research consistently shows that affordable rental housing paired with supportive services leads to better outcomes in health, education, and economic mobility.

When you understand the full spectrum of housing assistance available, you’re better equipped to find the right fit for yourself or help others steer toward stability.

2. Not-for-Profit & Community-Based Providers Expanding Supply

Behind every thriving neighborhood with affordable housing, you’ll find dedicated mission-driven organizations working tirelessly to create homes—not just housing units. These community champions are changing how we address housing insecurity across the country.

Mission-Driven Organizations

When you walk into a property managed by a mission-driven housing provider, you immediately feel the difference. Unlike developers focused primarily on profits, these organizations prioritize people over portfolios.

“We measure success by stability, not just occupancy rates,” explains a LifeSTEPS program director. “Our buildings are communities where residents find both shelter and support.”

These organizations create housing that remains affordable for generations while ensuring residents have what they need to thrive. In Australia, this approach has proven remarkably effective—Community Housing Ltd manages over 11,000 properties with 40% occupied by people with disabilities and 9% by Aboriginal families, showing how targeted community housing can reach those most in need.

Co-operative Housing Models

Imagine having a say in how your apartment building is run. That’s the reality for residents in housing co-operatives, where tenants become part-owners and decision-makers in their communities.

“Moving into co-op housing changed everything for me,” shares Maria, a resident of five years. “I’m not just a tenant—I’m an owner with a voice in our community’s future.”

Co-operative housing creates natural support networks where neighbors truly know and help each other. Common Equity NSW demonstrates this model’s success, managing over 500 properties across 25 Local Government Areas in New South Wales, Australia. Residents enjoy democratic control, shared maintenance responsibilities, built-in community support, and typically more affordable costs than market-rate housing.

Community Land Trusts

One of the most innovative models addressing housing affordability is the community land trust. By separating land ownership from building ownership, these trusts effectively remove land costs from the housing equation, creating permanently affordable homes.

Success Stories Powered by Community Housing Support

Michelle’s Journey to Stability

Life can change in an instant—something Michelle, a single mother of two, learned when she faced eviction after losing her job during the pandemic. Through community housing support via LifeSTEPS’ emergency rental assistance program, she not only kept her home but found a path forward.

“I never thought I’d be able to stay in my neighborhood or keep my kids in the same school,” Michelle says. “The support I received didn’t just save my housing—it gave me a path forward.”

Today, Michelle works as a medical assistant and is building savings toward homeownership—a goal that once seemed impossible.

Veterans Finding Home

Sacramento veteran James knows how specialized community housing support can transform lives. After struggling with homelessness for three years following his military discharge, he found not just housing but understanding through a veteran-specific program.

“Having staff who understood military culture made all the difference,” James shares. “They spoke my language and knew how to help me steer the transition to civilian life.”

These stories highlight what makes community housing support truly special—it’s never just about providing four walls and a roof. It’s about creating pathways to self-sufficiency, dignity, and belonging that benefit not just individuals but entire neighborhoods and communities.

3. Applying for Community Housing Support: Step-by-Step

Navigating the path to housing assistance doesn’t have to feel like solving a puzzle without all the pieces. Let’s walk through this journey together, breaking it down into manageable steps that anyone can follow.

Step 1: Determine Your Eligibility

Before filling out a single form, take a moment to understand if you qualify. Most community housing support programs look at:

Your household income (typically needing to be below 50-80% of what’s average in your area), your citizenship or immigration status, and your rental history. Don’t worry if your rental history isn’t perfect—many programs understand that housing challenges are exactly why you need support in the first place.

“Understanding eligibility early saves so much heartache later,” shares Maria, a housing navigator who’s helped hundreds of families find stability. “Many people assume they won’t qualify when they actually do.”

Step 2: Locate Local Housing Providers

Finding the right door to knock on makes all the difference. You can start by contacting your local housing authority—they’re often the hub of information for your community. Don’t know where to begin? Simply dial 2-1-1 on your phone for referrals to housing programs in your area. For those comfortable with online searches, HUD’s resource finder can point you in the right direction too.

Step 3: Complete the Coordinated Assessment

Many communities have simplified the process with what’s called a Coordinated Assessment (CA) system. Think of it as a one-stop application that connects you to multiple housing programs at once.

“A good first step toward finding a stable place to live is doing a Coordinated Assessment, our community’s centralized housing assistance application,” explains a housing navigator from Austin, Texas. “It saves you from having to tell your story over and over again to different agencies.”

Step 4: Gather Required Documentation

Being prepared with paperwork makes the process smoother. You’ll typically need identification for everyone in your household, proof of income like pay stubs or benefit letters, recent bank statements, your rental history, birth certificates, and Social Security cards if applicable.

Pro tip: Create a special folder—physical or digital—where you keep copies of everything. When opportunities arise, you’ll be ready at a moment’s notice.

Step 5: Submit Applications and Follow Up

Don’t put all your eggs in one basket. Submit applications to multiple programs to increase your chances, and keep a simple log of where you’ve applied and when. Remember to follow up regularly—a polite check-in can sometimes make the difference. And if your phone number or email changes, update every program immediately.

Step 6: While You Wait

The waiting game can be the hardest part. Waiting lists for community housing support often stretch for months or even years. During this time, explore temporary assistance options, stay connected with housing counselors who might know of new opportunities, consider shared housing with family or friends, and look into emergency rental assistance programs that might bridge the gap.

Eligibility Checklist for Community Housing Support

Income Thresholds vary depending on where you live and how many people are in your family. Generally, “very low income” means earning less than 50% of your area’s median income, while “low income” typically means below 80%.

Priority Categories can move you up the waiting list faster. Many programs give preference to families with children, seniors over 62, people with disabilities, veterans who’ve served our country, individuals currently experiencing homelessness, and survivors of domestic violence.

Regarding Citizenship Status, most federal programs are available to U.S. citizens and eligible immigrants. However, many local and non-profit programs may have different requirements. It’s worth noting that many supportive services are available to everyone, regardless of immigration status. The Coordinated Assessment system doesn’t even ask about immigration status, ensuring that everyone can access many critical support services.

Understanding how rent is calculated can help you budget effectively. In most community housing support programs, you’ll pay approximately 30% of your adjusted income toward rent, while the program covers the rest. This approach ensures that housing remains affordable even as your income changes.

Need to UPDATE YOUR INFORMATION ➜ WAYS TO PAY YOUR RENT ➜? Many housing authorities now offer convenient online portals to manage your account.

4. Wrap-Around Services That Keep Tenants Thriving

When we talk about community housing support, we’re not just putting roofs over heads—we’re nurturing whole lives. The magic happens when stable housing pairs with services that address every aspect of a person’s wellbeing.

Financial Education and Empowerment

Money management skills are the foundation of housing stability. At LifeSTEPS, we’ve watched residents transform their financial futures through budget counseling sessions where they learn to track expenses and set realistic goals. Our credit repair workshops help residents understand their credit reports and take steps to improve their scores.

“Before these classes, I was just living paycheck to paycheck,” shares Maria, a resident of three years. “Now I have a savings account for the first time in my life, and I’m working toward buying my own home someday.”

Our data shows the impact is real—residents who participate in our financial literacy programs are 78% more likely to maintain stable housing long-term. That’s not just a number; it’s families staying together in their communities.

Eviction Prevention

Preventing homelessness before it happens saves tremendous human suffering. When Lisa lost her job last year, she was terrified of losing her apartment where she lived with her two teenagers. Through our emergency rental assistance program, we were able to cover her rent for two months while she found new employment.

Our eviction prevention approach combines immediate financial help with longer-term solutions—mediating conversations with landlords, connecting residents with legal aid when needed, and working through budget adjustments during financial crises. This comprehensive strategy keeps families housed when they’re most vulnerable.

Health and Aging in Place Services

For our senior residents, maintaining independence is everything. Our award-winning RN program brings healthcare directly to housing communities, with remarkable results—fewer emergency room visits, better medication management, and approximately $1.1 million in healthcare savings annually per site.

Mr. Johnson, 83, puts it simply: “The wellness checks saved my life. The nurse noticed my blood pressure was dangerously high during a routine visit. I had no idea.”

For residents with health challenges, we coordinate transportation to medical appointments, help with medication management, and facilitate connections with healthcare providers. These services allow people to age with dignity in their own homes rather than facing institutional care.

Employment and Education Support

Finding and keeping good jobs changes everything for our residents. Our employment support includes practical help with resumes and job applications, but also builds confidence through interview practice sessions. Residents gather weekly in community rooms to share job leads, practice answering tough interview questions, and celebrate each other’s successes.

Education opens doors too. GED preparation classes, scholarship programs, and vocational training referrals help residents build skills that lead to better jobs and financial stability.

Youth Programs

Children thrive when they have stable housing and supportive programs. Our after-school homework help sessions give kids a quiet place to study with trained volunteers who can answer questions. During summer months, our reading program keeps young minds engaged—97% of participating children maintain or improve their literacy levels.

Teenage residents benefit from college preparation workshops and mentoring relationships that help them envision futures that might otherwise seem out of reach. These programs help break the cycle of poverty through education and expanded opportunities.

Specialized Support for Veterans

Veterans face unique challenges that require specialized approaches. Our veteran housing programs feature staff trained in military culture who understand the transition to civilian life. We create PTSD-sensitive environments and facilitate peer support groups where veterans can connect with others who truly understand their experiences.

James, a Navy veteran, found his footing through these specialized services: “Having staff who understood military culture made all the difference. They spoke my language and knew how to help me steer the transition to civilian life.”

We also help veterans connect with VA benefits and services they’ve earned but may not know how to access.

Measuring Impact: 93% Retention & More

The numbers tell a powerful story about what happens when community housing support includes comprehensive services:

Our residents achieve a 93% housing retention rate when they participate in supportive services—meaning fewer returns to homelessness and more stable communities. Children in our educational programs show 97% literacy maintenance or improvement, building foundations for lifelong learning. The healthcare initiatives save approximately $1.1 million annually per site while improving quality of life. And we’re especially proud of the $2.1 million in scholarships we’ve awarded to residents pursuing higher education.

Behind every statistic is a human story. As resident Sophia puts it: “The services helped me stay housed, but they did so much more than that. They helped me believe in myself again and see a future I never thought possible.”

That’s the true power of comprehensive community housing support—it doesn’t just provide shelter; it builds the foundation for transformed lives.

5. Ways Local Residents Can Champion Community Housing Support

Communities thrive when everyone has stable, affordable housing. The power to create positive change often lies with everyday citizens who understand that a rising tide lifts all boats. Here’s how you can make a difference in your own neighborhood:

Myth-Busting: Addressing Common Misconceptions

One of the biggest roadblocks to community housing support isn’t funding or policy—it’s misinformation that creates unnecessary fear and resistance.

When your neighbor says, “Affordable housing will tank my property value,” you can gently share that research consistently shows well-designed and managed affordable housing has no negative impact on neighboring property values. In fact, these developments often increase property values by revitalizing previously underused areas.

If you hear comments about “those people don’t even work,” remind folks that the vast majority of residents in affordable housing are employed families, seniors on fixed incomes, or people with disabilities. They simply earn wages that haven’t kept pace with skyrocketing housing costs.

And the concern about crime? Studies have repeatedly shown no correlation between affordable housing and increased crime rates when developments are thoughtfully designed and professionally managed. Often, stable housing reduces crime by giving people security and investment in their community.

Effective Community Engagement Strategies

Being a housing champion starts with showing up. Attend your local planning meetings where housing decisions are made—these are often sparsely attended, so your voice carries significant weight. Share your personal story or the stories of friends and family who’ve struggled with housing insecurity.

“The value of building relationships with council and community early and over the project life cannot be over-estimated,” notes a community housing developer in Victoria, Australia.

Consider hosting an informal coffee gathering for neighbors who have questions about proposed housing developments. When people understand the real families who will benefit—the nursing assistant who cares for your parents, the teacher who educates your children—opposition often melts away.

Volunteering Opportunities

Your time and talents can make a profound difference in community housing support. At LifeSTEPS, we’ve seen volunteers transform our communities by tutoring children who’ve never had academic support before. Others teach financial literacy classes that help residents build credit and savings for the first time in their lives.

Do you have a green thumb? Community gardens at housing sites provide fresh food and bring neighbors together. Are you a professional in your field? Job mentoring can help residents advance their careers and increase their income. Even simply helping with community events creates the social fabric that makes neighborhoods strong.

Building Momentum for Community Housing Support Initiatives

Effective advocacy isn’t about grand gestures—it’s about consistent, informed engagement with decision-makers. Start by attending your city council meetings and speaking during public comment periods. Even a 2-minute personal statement about why affordable housing matters can shift the conversation.

Form neighborhood coalitions that support inclusive housing. When officials hear from organized groups of voters who say “Yes In My Backyard” instead of “Not In My Backyard,” it gives them political courage to make tough decisions.

Use real data in your advocacy. Share statistics about local housing needs, economic benefits of stable housing, and successful models from other communities. Facts cut through emotional arguments and help create rational policy.

Support inclusive zoning by engaging with your city’s planning process. Many communities have outdated zoning that unintentionally blocks affordable housing development. Your voice can help modernize these regulations.

Finally, build genuine relationships with local officials. Meet for coffee, send thoughtful emails with specific suggestions, and acknowledge when they take positive steps. Most local officials are your neighbors who want to do right by the community.

At LifeSTEPS, we’ve seen how community champions transform neighborhoods from places of opposition to places of welcome. When residents understand that community housing support strengthens the entire community—improving schools, supporting local businesses, and creating vibrant neighborhoods—they become our most powerful advocates.

6. Regional Resource Quick-Links Directory

Finding your way to the right community housing support resources shouldn’t feel like searching for a needle in a haystack. We’ve organized essential contacts by region to help you connect with the help you need, when you need it.

California Resources

If you’re in Sacramento, you’re in our backyard! The Sacramento Housing and Redevelopment Agency provides comprehensive rental assistance, public housing options, and plays a key role in developing affordable housing throughout the region. Our team at LifeSTEPS works closely with residents in affordable communities across the area, offering the supportive services that transform houses into homes. For those facing homelessness, Sacramento Steps Forward coordinates vital housing programs that can serve as a lifeline during difficult times.

Across the Golden State, the California Department of Housing and Community Development administers programs that reach every corner of California. If you’re struggling with rent due to pandemic-related hardships, Housing Is Key offers emergency assistance that might help you stay housed. First-time homebuyers should definitely check out the California Housing Finance Agency’s programs – they could be your first step toward homeownership.

Texas Resources

The Lone Star State offers robust housing assistance through the Texas Department of Housing and Community Affairs (TDHCA), which manages Section 8 vouchers and other critical rental support programs. If homeownership is your goal, the Texas State Affordable Housing Corporation provides down payment assistance that might make that dream more attainable. Facing housing discrimination? The Texas Workforce Commission offers fair housing resources and a straightforward process for filing complaints.

For Texans experiencing homelessness or on the brink, the Texas Homeless Network coordinates resources that provide immediate relief and pathways to stability. When you’re not sure where to turn, 2-1-1 Texas serves as your connection point to local housing assistance programs throughout the state.

National Hotlines and Resources

Sometimes a single phone call can change everything. Keep these numbers handy:

• National Housing Hotline: 1-800-569-4287
• Veterans Housing Assistance: 1-877-4AID-VET (1-877-424-3838)
• Disaster Housing Assistance: 1-800-621-FEMA (1-800-621-3362)
• Fair Housing Complaints: 1-800-669-9777

Housing needs change with life circumstances. The resource that’s right for you today might be different from what you’ll need tomorrow. Don’t hesitate to reach out to multiple organizations – community housing support works best when we connect people to all the resources available to them, not just a single program or service.

At LifeSTEPS, we believe everyone deserves a place to call home and the support to thrive there. Whether you’re in California, Texas, or anywhere else in the country, these resources represent real people ready to help you steer your housing journey.

Frequently Asked Questions about Community Housing Support

How long are typical waiting lists?

Waiting for housing assistance can feel like an eternity when you need help now. The truth is, wait times vary dramatically depending on where you live, which programs you apply for, and your specific situation. In high-demand urban areas, Section 8 voucher waitlists might stretch several years, while programs targeting specific vulnerable groups may move more quickly.

“Wait times vary; it can take months or longer. If you haven’t heard after six months, update your information and check on your status,” advises one housing navigator I spoke with recently.

While waiting, here’s what works: Apply to multiple programs at once (don’t put all your eggs in one basket). Check if you qualify for any preference categories that might move you up the list—like being a veteran, having a disability, or experiencing homelessness. Keep your contact information current—many people miss opportunities simply because their phone number changed. And don’t be shy about asking for estimated wait times when you apply so you can plan accordingly.

How is rent calculated for community housing?

The good news about community housing support is that rent is typically designed to remain affordable regardless of your income level. Most programs use what’s called the Total Tenant Payment (TTP) formula, which generally caps your rent at 30% of your household income.

Your rent will usually be the highest of:
– 30% of your monthly adjusted income
– 10% of your monthly gross income
– Welfare rent (in certain situations)
– A minimum rent (usually between $25-$50)

What makes this approach special is the “adjusted income” part. This takes into account important deductions like $480 for each dependent in your household, $400 if the head of household is elderly or disabled, unreimbursed medical expenses for elderly/disabled households, and childcare costs that allow you to work or attend school.

This formula ensures that as your income grows, you won’t suddenly find yourself unable to afford your housing—creating a stable foundation for building financial security.

Can undocumented residents access community housing support services?

This is a question many families hesitate to ask out loud, but it’s important to address. While federal housing programs typically require at least one household member to have eligible immigration status, many community-based organizations take a different approach.

At LifeSTEPS, we focus on connecting all community members with appropriate resources. Many local non-profits have more flexibility in their eligibility requirements than government programs. Services often available regardless of documentation status include emergency shelter, food assistance, healthcare referrals, educational programs, and financial counseling.

It’s worth noting that many initial assessments for supportive services don’t ask about immigration status at all. For example, the Coordinated Assessment system used in Austin explicitly states that it “does not ask about immigration status.” This approach ensures that everyone in the community can access basic support when they need it most.

What support is available for veterans seeking housing?

Our veterans deserve specialized support that recognizes their unique experiences and challenges. Fortunately, several targeted programs exist:

HUD-VASH combines Housing Choice Vouchers with VA supportive services specifically for homeless veterans. This powerful program addresses both immediate housing needs and underlying issues that may have contributed to housing instability.

Supportive Services for Veteran Families (SSVF) offers rapid rehousing, eviction prevention, and shallow subsidies through community providers who understand military culture.

Veterans can also access the Grant and Per Diem Program, which provides up to two years of transitional housing with supportive services, and VA-Contracted Safe Haven Sites offering low-barrier emergency housing at 24 locations nationwide.

“Housing First is an evidence-based, cost-effective approach to reduce homelessness among veterans, removing sobriety barriers and leveraging peer support,” explains one veteran housing specialist I work with regularly.

How can I help someone experiencing homelessness?

When someone you care about is experiencing homelessness, your support can make all the difference. Start by connecting them with the local Coordinated Entry System—often accessed by simply calling 2-1-1. This system serves as a single front door to most housing resources in a community.

If possible, help them gather important identification documents like ID cards, birth certificates, or Social Security cards—these will be needed for most housing programs. Offering to accompany them to appointments can provide both practical help and emotional support during what can be an overwhelming process.

While they work toward permanent housing, help them connect with emergency shelter options. Many communities also have street outreach teams who can provide direct assistance to people living unsheltered.

Building trust is essential. As one outreach worker shared with me, “It’s usually better to do a Coordinated Assessment than not, because it connects you to more programs.” Even if the process seems daunting, taking that first step opens doors to multiple potential resources.

Conclusion

The journey through community housing support resources reveals something profound—this isn’t just about putting roofs over heads. It’s about creating foundations for lives to flourish.

From federal voucher programs to local nonprofit initiatives, these interconnected resources form a vital safety net that not only prevents homelessness but actively builds stronger, more resilient communities. When housing stability is addressed, every other aspect of life can begin to improve.

At LifeSTEPS, we’ve witnessed how our whole-person approach transforms lives. Our 93% housing retention rate tells only part of the story. Behind that number are real people experiencing remarkable improvements in health outcomes, educational achievements, and financial independence. We’ve seen children who once struggled in school begin to thrive, seniors aging with dignity in their communities, and families breaking cycles of poverty that have persisted for generations.

Community housing support works most effectively when it addresses the whole person—their immediate housing needs, certainly, but also their aspirations, challenges, and potential. This comprehensive approach creates ripple effects that benefit entire neighborhoods and cities.

Whether you’re currently searching for housing assistance, supporting a loved one through housing insecurity, or looking to become an advocate in your community, you’re part of something larger. When we work together—residents, housing providers, community advocates, and policymakers—we create communities where everyone has the opportunity to thrive.

The resources we’ve outlined here are just starting points. Real change happens when compassionate support meets determined action. We invite you to explore our full Programs & Services to learn more about how LifeSTEPS is making a tangible difference throughout California, or to find meaningful ways to get involved today.

After all, stable housing isn’t the end goal—it’s where new beginnings start.