Single-family homeowners facing financial hardships with a federally backed or FHA-insured mortgage may be eligible for mortgage forbearance. Fannie Mae and Freddie Mac enhanced payment deferral policies allow borrowers facing financial hardship to defer up to six months of mortgage payments. A deferral means: You won't incur late fees; You won't have delinquencies reported to the credit bureaus.; and Foreclosure and other legal proceedings will be suspended. Contact your mortgage servicer (the company where you send your monthly payments) as soon as possible to let them know about your current circumstances. The telephone number and mailing address of your mortgage servicer should be listed on your monthly mortgage statement. For Consumers who are not familiar with a forbearance, here are the recommended steps: Contact your lender to disclose your hardship as soon as possible; and Ask your lender about the assistance options they have for customers impacted by financial hardships.

Services include spiritual services, utility bill expense assistance (on individual case basis), rent payment assistance (on individual case basis), mortgage payment assistance (on individual case basis), clothing, shelter, emergency services, character building programs, and offer some hotel assistance if funding allows. Please note - there is no physical homeless shelter, but shelter may be provided in the form of a hotel voucher (if funding is available).

The county is a resource of last resort, available only after all other resources have been exhausted. Any applicant who receives assistance will have a lien filed in their name for that amount and will be responsible for repayment of that lien to the County. Requests for assistance with: - Rent/Deposit Partial assistance with the current month's rent. Rental deposits are limited to the availability of grant funds. - Mortgage Partial assistance of one month's payment if applicant meets program qualifications. - Utilities Partial assistance with past due bills for water, electric, natural gas and propane usage. Additional utility charges and fees limited to the availability of grant funds. - Transportation Costs Assistance with bus passes or gasoline for verifiable medical appointments or new employment. - Medical Assistance may include emergency prescription medications, specialty physician services, hospitalizations, and insurance premiums. Services may require prior approval. - Burial or Cremation Pennington County residents without resources or family members to assist.

Helps to prevent foreclosures on homes and stop rental evictions on apartments and homes. Services include restructuring loan with the lender, mortgage renewals, refinancing, home sales, shore sales, deed-in-lieu of foreclosures, pre/post foreclosures, and debt reduction / debt elimination.

The American Red Cross works in partnership with Military Aid Societies to provide financial assistance to eligible applicants. Assistance can include funds for emergency travel, burial of a loved one, emergency food and shelter, etc. The Aid Societies determine the financial assistance package that will be offered through a grant or a loan.