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Homeowners Assistance and Housing Programs
New Hampshire – Making Home Affordable options
Making Home Affordable is a federal program designed to cover different homeowners’ hardships and financial situations. Under the program there are various options that can help New Hampshire homeowners in hardship stay in their homes. Depending on the situation New Hampshire homeowners in hardship can apply to lower their monthly payments, lower the interest rate on their home loan or even get principal reduction in some cases.
There are foreclosure alternatives and temporarily help for unemployed homeowners as well.
Here are some of the most used options under Making Home Affordable Program:
- Lower your monthly mortgage payments with Home Affordable Modification Program (HAMP)
- Lower your interest rate with Home Affordable Refinance Program (HARP)
- Check eligibility for principal reduction with Principal Reduction Alternative SM (PRA)
- Get help if currently unemployed with Home Affordable Unemployment Program (UP)
- Reduce your 2nd mortgage monthly payments with Second Lien Modification Program (2MP)
- Explore your foreclosure alternatives with Home Affordable Foreclosure Alternatives Program (HAFA)
- FHA Home Affordable Modification Program (FHA-HAMP)
HUD (US Department of Housing and Urban Development) approved housing counselor can be reached at: 888-995-4673 (Hearing impaired: 877-304-9709 TTY) to help you understand your options, prepare your application, and work with your mortgage company.
Food Assistance Programs, Services, and Organizations in New Hampshire
New Hampshire Food Stamp Program
The Supplemental Nutrition Assistance Program (SNAP), or the Food Stamps Program as it is known by the public, is a federal program that provides grants to the States for purpose of reducing the hunger and malnutrition in all eligible households across the nation. SNAP helps provide healthy food to qualifying low-income families with children, elderly or disabled in each State of the USA, including New Hampshire.
It is important to know that the Supplemental Nutrition Assistance Program is a federal entitlement program funded by U.S. Government grants. Any U.S. Citizen, even some legal alien residents, will get free food assistance as long as they meet the SNAP eligibility guidelines. In other words, there is enough Supplemental Nutrition Assistance for every American that qualifies.
In New Hampshire, the SNAP is administered by New Hampshire Department of Health and Human Services (DHHS) and its Division of Family Assistance (DFA). The Federal Government oversees the State operation of the Food Stamp Program. According to New Hampshire Department of Health and Human Services “The Food Stamp Program is about preventing hunger and promoting health. It exists to keep New Hampshire residents from going hungry by providing way to buy healthy foods. It serves children, seniors, people with disabilities, and working or unemployed people of all ages.”
Who is Eligible for New Hampshire Food Stamp Assistance?
The eligibility rules and benefit amounts in New Hampshire, like in other States, are based on limited income, limited liquid resources, household size, and other requirements. Most eligibility rules are determined by regulations issued by the United States Department of Agriculture (USDA), Food and Nutrition Service (FNS).
The federal law allows States some flexibility when implementing SNAP on a State level. State agencies can adapt some of the food assistance program rules in order to meet the needs of eligible, low‐income local population.
New Hampshire Food Stamp Program is designed for individuals and families with limited income resources, who compose a household, and purchase and prepare their meals together for home consumption.
In general, to qualify for New Hampshire Food Stamp Benefits you must meet the following basic eligibility requirements:
- New Hampshire Resident – must be a U.S. Citizen or a legal resident with SNAP eligible non-citizen status;
- Work Requirement – unless exempted, each able-bodied household member, age 16-60, who are unemployed or under-employed must registered to work, and accept a suitable employment offer;
- Resource Limit – countable household assets are limited to $2,250 or less ($3,250 or less for households containing a member who is disabled or 60 years of age or older), assets not countable include the home you live in, personal belongings, cash value of life insurance policy, and vehicles;
- Income Limits – income limits eligibility depends on the household size and composition.
- Households with no elderly or disabled individuals must meet both gross and net income limits.
- Households with all members who are elderly or disabled need only meet the net income test.
- There are higher gross income limits for households who have at least one member who is elderly or disabled.
- No income or resource limits for households of which all members receive Supplemental Security Income (SSI), Financial Assistance for Needy Families (FANF), or State Supplement Program (SSP) benefits.
Gross income includes wages, salaries, commissions, dividends, child support, self-employment income, unemployment compensation, social security benefits and other sources. Household net income is computed by deducting certain allowed expenses from gross income.
See the table with New Hampshire food stamp income limits per household size below.
[table id=37 /]
Source: USDA, SNAP Income Eligibility Standards
New Hampshire Food Stamps – Quick Eligibility Check
USDA Food and Nutrition Service offer this Pre-Screening Tool you can use to find out if you may be eligible to get New Hampshire Food Stamp Benefits. Although you will be notified immediately if you qualify, after completing the questionnaire, you still have to make an application to the New Hampshire Division of Family Assistance (DFA).
Regardless of the results of the Pre-Screening Tool, potential applicants can find out if they qualify for Food Stamp Benefits by calling 1-603-271-9700 or visiting one of the DFA offices and inquire.
What are the Benefits?
If approved, the New Hampshire Food Stamp Benefit amounts depend on the household size and the amount of the their net income. USDA has maximum food stamp benefit limits per month, per household size. Check below what are the maximum food stamp benefit amounts. The food stamp dollar amounts are called allotments.
[table id=29 /]
Source: USDA, SNAP Maximum Allotments
How to Apply for Food Stamps in New Hampshire?
New Hampshire Department of Health and Human Services offers various ways to apply for Food Stamp Benefits. All looking for help with food can apply in person by visiting one of the District DHHS/DFA Offices.
You can apply online using the NH EASY web portal where you check if you would qualify for other assistance programs and services in addition to the Food Stamps.
To apply for Food Stamp Benefits you can also use the Application for Assistance form which can be printed from the DHHS website. The form can be used to apply for different types of assistance as offered by New Hampshire DHHS . In addition to requesting Food Stamp Benefits, you can apply for Cash Assistance, Child Care, Medical Assistance, Home and Community-Based Care (HCBC), Medicare Savings Programs (MSP) and Nursing Facility (NF) Services.
Check the programs and services you would be applying for, fill out the required information by answering the questions as best as you can, sign and mail or turn the application at your local DFA office. If you do not have all the information – complete as much as you can including your name, social security number, what you are applying for, and sign it. The DHHS/DFA has to accept the application with the current date. You can provide the rest of the information later.
The information you are providing to the Department of Health and Human Services is strictly confidential and cannot be shared with anyone without your written permission.
Before decision is made a New Hampshire DFA worker has to verify all the paperwork and schedule interview with the applicant. A face-to-face interview is required to help DFA establish applicant’s eligibility. See the list in the next section of acceptable proofs that may be required at the Food Stamp eligibility interview.
At the interview applicants must provide all required documentation for verification and approval purposes.
If the applicant is find eligible, they will receive within 30 days a notice stating how much of a benefit they qualify for, when to expect their benefits, and for how long is the applicant eligible for getting food stamps.
New Hampshire Food Stamps Approval, Rules, Proofs Required
New Hampshire DHHS/DFA needs to verify submitted information before before determining if the household is eligible for Food Stamp Benefits.
The DHHS lists examples of acceptable documents and information that may be needed to determine your eligibility when you apply for Food Stamps Benefits.
Proof of Identity:
- Driver’s License
- Photo ID Card
- Birth Certificate
- Social Security Card
Proof of Immigration Status of Non-Citizens:
- Resident Alien Card
- Copy of a residency document issued by the Department of Homeland Security
Vehicles current statements including the balance for any:
Proof of Income:
- Four weeks of current and consecutive pay stubs, or DFA Form 756. This includes:
- On the Job Training
- Work Study
- Summer Youth Program
- Senior Citizens Community Service
- Census Bureau income
- State Supplemental Income
- Social Security (Survivors/Disability/Retirement)
- Child Support/Alimony (bring all legal documents)
- Adoptions Subsidy/Foster Care Payment
- VA Pension, other Pension
- Short/Long Term Disability
- Workman’s Compensation
- Unemployment Compensation Benefits
- Annuity/Trust/401k Income
- Rental Income
- Railroad or Strike Benefits
- Terminated Employment – Letter from your employer stating your last day worked and reason for termination and proof of all gross wages paid in the current month, or DFA Form 756
- Checking/Savings account
- Passbook savings account
- Credit Union account
- Christmas Club account
- Stock/Bond Certificates
- Certificate of Deposit (CD)
- Trust, IRA/401k, Keogh, Mutual Fund, Medical Savings Account, and the total amount of any cash on hand.
- Mortgage (Principal and Interest)
- Reverse Mortgage
- Tax Bill
- Home Owner’s Insurance
- Rental Expense (Rent Receipt/Lease/DFA Form 775/written Shared Shelter Statement or DFA Form 768 if you have a roommate you do not eat with)
- Utility Expense (Heat/Electric/Phone/Fuel Assistance Award Letter)
- Child Care (Receipts/Letter from your Provider/Cancelled Checks)
- Medical Expenses for anyone 60 years and older or disabled (any expense incurred from illness, including transportation expenses and adult day care)
This is not a complete list and depending on case the DFA may request additional types of proof and application supporting documents.
New Hampshire Food Stamp participants between the ages 16-60, able to work and who are unemployed or underemployed must register to work.
As per SNAP federal regulations, State of New Hampshire is required to offer an employment and training program for Food Stamp participants. This program is known as the New Hampshire Food Stamp Employment and Training Program (FSET) and offers training, education, and job search assistance to Food Stamp participants. The Food Stamp E&T Programs can help you with your job search when you get Food Stamp benefits and are not getting FANF cash assistance. You may be able to get help with your job search mileage costs too. Call 1-800-852-3345 x 9329 to learn more.
Approved! When and How Do I Get the Food Assistance Benefits?
New Hampshire Food Stamp Program provides the SNAP benefits via the Electronic Benefits Transfer (EBT) system.
The monetary benefits of the New Hampshire Food Stamps are transferred to the accounts of qualified beneficiaries and are accessible through New Hampshire EBT Card.
Benefits are made available on the 5th of every month.
If you have any question regarding your EBT Account or EBT Card call New Hampshire EBT Customer Service: 800-997-7777
How and Where to Use the Food Stamp Benefits?
New Hampshire Food Stamp benefits can only be used to purchase eligible food items at Food and Nutrition Service (FNS) authorized stores displaying the Quest mark.
Households and individuals get Electronic Benefits Transfer (EBT) cards to use their food assistance benefits at any grocery stores and farmers’ markets that are authorized by the United States Department of Agriculture (USDA).
Check this list of New Hampshire Food Stamp participating stores that are authorized to take EBT cards for purchasing of SNAP eligible food items. Eligible food items are any food to be eaten at home by people, including baby food, non-alcoholic beverages, and seasonings. Seeds and plants to grow food for your own family’s consumption are also allowed to be purchased with food stamp benefits. You cannot buy non-grocery items with food stamp benefits, such as cleaning products, pet food, paper products, alcohol, or tobacco.
I Need Food Assistance Now. It is an Emergency!
Some households may get Expedited Services – that is getting Food Assistance Benefits within 7 calendar days if your household has less than $150 in monthly gross income and liquid resources (cash, checking or savings accounts) of $100 or less; or your rent/mortgage and utilities are more than your household’s combined monthly income and liquid resources; or a member of your household is a migrant or seasonal farm worker. In order to get expedite assistance, if you qualify, provide all required information and proof as soon as possible. Call 1-603-271-9700 for more information on New Hampshire Food Stamp Program.