HUD-Sponsored Senior Housing Programs

Chris Hawkins Written by Chris Hawkins
SeniorLiving.Org Expert on Senior Care & Assisted Living

The first wave of baby boomers—those born between 1946 and 1964—made it to age 65 in 2011. Now a person turns 65 every 10 seconds. By 2030, the number of persons 65 and older will reach 71.5 million.

Many in this enormous human wave will need affordable living options once they stop working and there are several HUD programs to help seniors. Because let’s be honest: many folks are not as prepared for retirement as they would like to be.

A survey by the Insured Retirement Institute found that “70 percent of middle-income Boomers are not confident in having enough money to live comfortably in retirement.” In an Associated Press poll, among families with incomes below $50,000, only 35% said they felt financially ready for retirement; 66% of those in higher income households felt ready. With the recent economic collapse, many older adults find themselves in an unexpected position entirely.

A recent AARP Public Policy Institute Study found that:

Another daunting issue facing retirees is the cost of senior living options. Senior living is a general term that includes all kinds of senior-centered housing: independent living, assisted living, nursing homes, home care, and others. 

Here’s a sample of what you can expect in senior living costs. The median U.S. cost for a private room in a nursing home is $81,030 a year; in 2007, the median annual cost was $65,700. The average yearly cost in an assisted living facility is $39,600.

Now let’s look into the future.

If you are currently living in Virginia, for example, and needed assisted living care the median amount you would pay is $41,775 a year, according to a Genworth Financial long-term care survey. In 10 years, you would pay $68,047. A private room in a Virginia nursing home would now cost $82,125 a year; in 10 years, the price tag goes up to $133,773.

Even if you never need senior living care, you may find yourself in a position where you have to make a lifestyle change. Asking yourself the important questions is a great place to start.

Retirement Living Considerations

It may be years after you retiree that you need to make a major living change. But it’s better to plan now and initiate changes on your own rather than being forced by circumstances in the future.

Here are some questions to think about as you prepare for your retirement:

  • Where do I want to live when retired?
  • Where can I afford to live after I stop working?
  • Should I downsize and move into an apartment or condominium?
  • Do I want to live in a senior community with people my age?
  • Should I rent?
  • Do I still feel safe in my current neighborhood?
  • Do I want to be closer to family?
  • Does my health (or my spouse’s) require special living arrangements such as assisted living or a nursing home?
  • Could I afford the cost of assisted care?
  • Can friends and family provide assistance with daily living if I need it?

If your current or future financial circumstances call for a drastic reduction in cost of living, HUD may have a program that can help.

Introduction to HUD Programs

The U.S. Department of Housing and Urban Development (HUD) creates affordable housing for citizens across the country by funding programs for rent assistance, home ownership, and assistive services for seniors and the disabled.

HUD helps more than 900,000 seniors with affordable housing through its programs. There are three types of affordable rent programs: public housing, multifamily subsidized housing, and voucher housing programs.

  • Public Housing is owned and run by local Public Housing Agencies (PHAs).
  • Multifamily Subsidized Housing is privately owned housing that is subsidized by HUD and provides tenants with affordable housing.
  • Housing Vouchers provide rental assistance to individuals and families for housing in the private market.

*Several important things to keep in mind with HUD programs:

  1. The waiting lists are often long (from two to five years), especially in metro areas.
  2. For those in need of assisted care, HUD options are limited. HUD programs are designed primarily for independent seniors.
  3. Because one Public Housing Agency (PHA) doesn’t have the housing you’re looking for, doesn’t mean another one won’t.

We’ll look at HUD housing options, especially as they pertain to seniors. And we’ll look at how to qualify, and how to search for HUD-sponsored housing in your area.

Housing Vouchers

Housing Choice Voucher Program (formerly Section 8)

The Housing Choice Voucher Program (HCVP) provides rent vouchers for housing in the private market to low income individuals, families, the elderly and the disabled. It is the largest assisted housing program administered by HUD.

These vouchers are linked to specific properties run by local Public Housing Agencies (PHAs). There are two kinds of vouchers: tenant-based and project-based. Tenant based vouchers (TBVs) move with the renter. Project based vouchers (PBVs) are assigned to particular units and buildings and are not transferable.

Who is Eligible?

There is no age requirement. Families or individuals who meet the extremely low-income requirements (30% of the area’s median), and very low income (50% of area median) based on total gross income. In some cases, those with low income (80% of area median) are eligible.

Income such as pensions, retirement accounts, IRAs, insurance annuities, and assets such as real estate, cars, etc. ARE counted when assessing eligibility.

Housing

Depending on your location, housing options can include single-family homes, townhouses and apartments. Individuals can pick anywhere they want to live as long as the owner agrees to rent using the program’s guidelines.

Rent Amounts

Rental amount is calculated by using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50).

PHAs pay the property owner directly and the residents pay the difference to the property owner.

How Do I Apply?

Apply at your local PHA. They will collect information on family income (tax returns, bank statements, Social Security, etc.) assets, and family composition. Medical expenses, health insurance payments, prescriptions and future medical expenses are taken into consideration.

Once you apply, you are placed on a waiting list. Because of the demand, waiting lists are often several years long. Ask your application to be pre-qualified for income—that way you know ahead of time if you qualify. And ask about local preferences (e.g. you are involuntarily displaced, paying more than 50% rent, etc.).

Find a PHA at http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts

Homeownership Vouchers

This HUD program assists first time homebuyers who need help meeting their monthly mortgage payment and other expenses. These expenses include mortgage principal and interest,
mortgage insurance, real estate taxes, and homeowner’s insurance among others.

Who is Eligible?

  • First-time homeowner
  • No family member has owned or had ownership interest in their residence for at least three years
  • No family member has any ownership interest in any residential property

Employment not required for elderly or disabled families or individuals but must meet certain income requirements

  • Must complete the PHA’s homeownership counseling
  • Any other PHA requirements

Finding Housing

Assistance by the PHA is not given in finding a home. The applicant must find an approved financing source to purchase the home. The home must pass an inspection by the PHA and an independent inspector before the family can purchase.

Payment Amount

The monthly tenant payment is generally 30% of the family's adjusted monthly income. The PHA will make the voucher payment to either the lender or the family. There is no time limit to receive assistance under this program for the elderly and disabled.

How Do I Apply?

Contact your local PHA for assistance. Not all PHAs offer this program.

You can find a list of participating PHAs at:

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/programs/hcv/homeownership

Programs for Current Homeowners who Need Help

If you own your home and need help with your mortgage, HUD and the Department of Treasury have a handful of programs to help. These include:

  • Lowering your payments
  • Lowering your interest rate
  • Help paying a second mortgage
  • Help with fallen home value
  • Leaving your home and avoiding foreclosure
  • Mortgage modification for those in the military

See MakingHomeaffordable.gov for more details.

Multifamily Subsidized Housing Programs

Section 202 Supportive Housing for the Elderly

The rent-assisted housing in this program is designed specifically for seniors and the disabled to live as independently as possible but who may need some assistance with activities of daily living (ADLs) such as dressing and bathing. Common features of these communities include housekeeping, transportation, referral services, and counseling.

The types of services and amenities will vary by housing community.

Established by HUD in 1959, the Section 202 program is the only program within HUD to provide housing exclusively to seniors. HUD provides loans to private, nonprofit organizations to finance the construction of supportive housing for very low-income seniors and provides rent subsidies.

Who is Eligible?

Those 62 and older with very low household income (50% of area median). The average resident age is 79. The average yearly income is $10,018.

Type of Housing

Typically, one-bedroom apartments with kitchen and bath, plus special features such as grab bars, ramps, nonskid flooring, etc. Other features include housekeeping, transportation to health care, home-delivered meals.

Rent Amount

Rental amount is calculated by using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50).

How Do I Apply?

Contact the individual housing community you are interested in. You can find housing by state here: http://www.hud.gov/apps/section8/

Wait lists are usually at least a year. Preferences for admission include those currently paying 50% of their income in rent; the involuntarily displaced; and those living in substandard housing.

Congregate Housing Services Program (CHSP)

This program, started in 1978, provides funds to Section 202 housing communities to “help frail and persons with disabilities avoid premature or unnecessary institutionalization.” This limited but valuable program provides funding to 51 public housing agencies and private assisted housing owners.

These communities provide residents at least one hot meal per day in a group setting, 7 days per week. Other non-medical services provided include housekeeping, personal assistance, transportation and social services.

Contact your local PHA to see if the program is available at area elderly housing locations.

Multifamily Rental Housing for Moderate-Income Families (Section 221 (d) (3))

This program funds “multifamily housing for moderate-income households, including projects designated for the elderly.” Some of the housing is designed specifically for the elderly and handicapped.

Who is eligible?

Anyone can occupy a home that is insured under this program and are “subject to normal tenant selection.” There are no income limits.

Type of Housing

These are multifamily housing units: apartments, condominiums, duplexes, etc.

Rent

Rent is based on a flat approved HUD amount, not on a tenant’s percentage of income.

How Do I Apply?

Contact your local PHA. For a list by state, go to

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/programs/hcv/homeownership

Supportive Housing for Persons with Disabilities Program (Section 811)

This purpose of this program is to enable those with disabilities to live as independently as possible in a housing environment that provides supportive services. Services may include personal assistance; meals; housekeeping; counseling; training in independent living skills; recreation and transportation.

HUD awards funds to private non-profit organizations to be used to finance the construction or rehabilitation of supportive housing for persons with disabilities. There are two types of funding programs: 1) projects funded by capital advances and 2) those funded by Project Rental Assistance.

Who is Eligible?

Those who are 18 and older who are physically, mentally, emotionally and/or developmentally disabled. Households must be very low-income (50% of median income) with at least one adult member with a disability.

The Project Rental Assistance Program residents must be extremely low-income (30% of median income) with at least one adult member with a disability

Median household income for residents is $9,204.

Housing

Group homes of eight or fewer units are single family structures that combine multiple bedrooms with a kitchen and shared living area. There is at least one bathroom for every four residents.

Condominium or cooperative units are independent living facilities that can be cooperatively owned by the residents.

Independent living complexes consist of 16 or fewer units where each dwelling contains a kitchen and bathroom. This housing may also contain congregate dining, laundry, and community areas.

Rent Amount

Rent is determined at 30% of adjusted monthly income.

How Do I Apply?

You can find out more on this program and the available properties by contacting your local HUD office. For a listing of regional HUD offices, visit http://portal.hud.gov/hudportal/HUD?src=/localoffices

Public Housing

Public housing is rental housing for low-income families, the elderly and those with disabilities. HUD administers funding to local PHAs that manage the housing. Over 1 million families live in public housing.

Who is Eligible?
Low-income families (80% of median) and individuals including the elderly and those with a disability. Income limits will vary based on area. Your local PHA can provide those limits.

Once you are accepted in public housing, you must live in the community where you are accepted.

Type of Housing

Public housing can include everything from single-family homes, to duplexes to high-rise apartments.

Rent Amount

Rent is referred to as Total Tenant Payment (TTP) and calculated using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50)

You may stay in the property as long as you comply with the lease.

How Do I Apply?

Contact your local public housing agency to apply. You will need to provide proof of income such as tax returns, bank statements, Social Security award letters, etc. Preferences are usually given to the elderly and disabled.

Key Definitions, Eligibility And Additional Resources

Activities of Daily Living (ADLs): Activities necessary for one to maintain independence. These typically include eating, dressing, bathing, toileting, and transferring.

Fair Market Rents (FMRs) are gross rent (rent plus utilities) estimates used to determine payment amounts for the Housing Choice Voucher program. These rent estimates are used as a guide for determining initial rental payments based on unit size.

Public Housing Agencies (PHAs): Over 2,600 state, regional, and local

HUD-funded agencies that serve the housing needs of its low-income and very low-income residents.

Adjusted Income: Annual income - deductions = adjusted income. Deductions include dependents; status as elderly or disable family; unreimbursed expenses for childcare, medical expenses (elderly and disabled only); and disability assistance.

  • Extremely Low Income: income does not exceed 30% of an area’s median family income.
  • Very Low-Income: their incomes do not exceed 50% of an area’s median family income.
  • Low Income: their incomes do not exceed 80% of an area’s median family income.
  • Moderate Income: incomes that are no more than 115% of an area’s median family income.

Note: Income limits are adjusted for family size and for areas with unusually high or low family income housing-cost-to-income relationships.

Determining Income and Eligibility

When applying for any of HUD’s housing programs, you will be asked to provide proof of income and assets to determine eligibility. Qualifying income and assets are combined when determining income eligibility.

Income and assets include all amounts that are derived in a 12-month period to which any member of the family has access to.

Income Sources

HUD counts the following main sources when considering income for its programs:

  • Full amount of income (before deductions) from salaries, wages, tips
  • Business net income
  • Interest, dividends, and other net income of any kind from real or personal property
  • The full amount of periodic amounts received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits
  • Unemployment, worker’s comp, and disability
  • Alimony and child support
  • Armed forces income
  • Welfare assistance

For a detailed listing of income sources, go to http://www.gpo.gov/fdsys/pkg/CFR-2012-title24-vol1/xml/CFR-2012-title24-vol1-sec5-609.xml

Assets and Income from Assets*

  • Stocks, bonds, Treasury bills, certificates of deposit,
  • Individual retirement and Keogh accounts
  • Retirement and pension funds
  • Cash held in savings and checking accounts, safe deposit boxes, homes, etc.
  • Cash value of whole life insurance policies available to the individual before death
  • Equity in rental property
  • Personal property held as an investment

*If the total value of assets is less than $5,000, then that number is used in the calculation. If the total value of assets is worth $5,000 or more, the amount of the assets is determined by using the greater of:

  1. The actual income from the assets
  2. A percentage of the value of net family assets based on the passbook savings rate. Each HUD field office determines their own passbook savings rate based on average savings account rates. Most PHAs use 2%.

Example 1: You have assets totaling $20,000 and annual income totaling $40,000.

$20,000 x 2% = $400

$400 assets + $40,000 annual income = $40,400 total income

Example 2: Upon retirement, you receive a lump-sum payment of $10,000 from your pension plan. You then receive periodic pension payments of $500 a month. The $10,000 is treated as an asset as are the monthly $500 pension payments.

$10,000 + $500 x 12 (months) = $16,000

Income Deductions

  • An elderly household is entitled to an automatic $400 household deduction.
  • Medical deductions including services of a physician, health care professional, hospital or health care facility; medical insurance premiums; prescription and non-prescription medicines; dental expenses; eye glasses and examinations; periodic payments of medical bills; et al.
  • Disability assistance expenses
  • Dependent deductions
  • Child care deductions

HUD Income Limits: An Example

HUD has established Median Family Income (MFI) limits for metropolitan and non-metropolitan areas across the U.S. These MFIs are used to calculate eligibility in the various HUD programs.

Here’s an example of an income limit calculation for the Washington DC Metro Area that includes nearby counties in Maryland and Virginia.

Area’s Median Income= $107,500

2012 Income Limit Category

1 Person

2 Person

3 Person

4 Person

Very Low (50%)

$37,650

$43,000

$48,400

$53,750

Extremely Low (30%)

$22,600

$25,800

$29,050

$32,250

Low (80%)

$49,200

$56,200

$63,250

$70,250

You’ll notice that the percentages don’t always equal the income limit amounts. For example, 80% of $107,500 is $86,000, not $70,250.

In their calculations, HUD compares an area’s 4-person family incomes to that of the US median family income. They also look at the Fair Market Rent (FMR) costs for the area.

To find income limits in your area, go to http://www.huduser.org/portal/datasets/il/il2012/select_Geography.odn

Getting Started

To get an idea of the HUD insured and HUD subsidized multifamily properties that serve the elderly and/or persons with disabilities you can go to

http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/mfh/hto/inventorysurvey

This list does not provide waiting list info, availability, eligibility and tenant selection. But it will provide a listing of properties by state and by HUD program (Section 202, Section 811, etc.) that finances/subsidizes each property. This will give you an idea of the type of services offered and potential eligibility.

You can also go to HUD’s Rental Assistance page for links to the various programs:

http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance

HUD Counseling

If you’re not sure where to start in your search, try calling a HUD-sponsored housing counseling agency in your area. These counselors provide advice on buying a home, renting, credit issues, foreclosures and other housing related issues.

For a list of HUD approved counselors by state, go to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

 


Updated: Jul 30, 2012

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CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

MR MARK MADRID On Apr 13, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

helen rose On Apr 12, 2014
Hello. Do you need personal or business loan without stress and fast approval? If so, please contact us as we are now offering loans at prime interest rate. Our loan is secured and safe, for more information and applications, please reply to this email. (helenrose@blumail.org) the name and amount needed,

Mr. Garry Loise On Apr 12, 2014
Attention, Apply for a quick and convenient loan to pay off bills and to start a new business or re-financing your projects at a cheapest interest rate of 3%. Do contact us today via: wordpressloaninvestment@hotmail with loan amount needed as our minimum loan offer is $5,000.00USD to any choice of loan amount. We are a certified, registered and legit lender. You can contact US today if you are interested in getting this loan, contact US for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. I need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Ie: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE:All Responses should be forwarded to: wordpressloaninvestment@hotmail for quick processing. Thank You, Mr Garry Loise Mobile : +2347050251612 Email :wordpressloaninvestment@hotmail C.E.O/WORDPRESS Loanpany.

Mr. Garry Loise On Apr 12, 2014
Attention, Apply for a quick and convenient loan to pay off bills and to start a new business or re-financing your projects at a cheapest interest rate of 3%. Do contact us today via: wordpressloaninvestment@hotmail with loan amount needed as our minimum loan offer is $5,000.00USD to any choice of loan amount. We are a certified, registered and legit lender. You can contact US today if you are interested in getting this loan, contact US for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. I need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Ie: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE:All Responses should be forwarded to: wordpressloaninvestment@hotmail for quick processing. Thank You, Mr Garry Loise Mobile : +2347050251612 Email :wordpressloaninvestment@hotmail C.E.O/WORDPRESS Loanpany.

John Martins On Apr 12, 2014
I am John Martins and it gives me joy writing this article of my testimony on how i became financially stable and summary of my previous finance stage before now. I believe there is nobody that doesn't like money, when one is having finances, there is inner joy in you and i am among those having joy now and i will through this article saves you that is reading now in financial mess on how to be financially stable with Robert Hook Loanpany Before now, i make little earn with one transportpany i was working with and it didn't take me anywhere, i lived in struggle and what pained me most was my family for i just couldn't cater for my wife and children's needs but i had no choice but to manage the business and another thing that caused me grief was i didn't always have time for my family and i wanted a business for myself but i couldn't even afford a hundred dollar to make it work. But when i thought all hope and aspiration for my business plan was void then a friend of mine now retired in the same transportpany where i worked advised me and referred me to Robert Hook online Financial Institute that could better my financial stage and he stressed on that he is living well and fine today because of the financial body and i contacted them for help and to my greatest amazement, i was offered a loan of 150,000usd at affordable 3% rate for 7 years after due process and today i am living well and happy and i now have time for my family because i am my own boss now. And i will forever maintain a standard relationship with Mr.Robert Hook Loanpany because they are the reason i am living with joy today. For as many in financial mess, bad credits, debt, in need or whatsoever challenges that you're in today don't fail to contact: roberthookinvestment.link@outlook and i do assure you that your desires will be manifested.

REV VINCENT PURCELL On Apr 10, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority,

REV VINCENT PURCELL On Apr 10, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority,

Kia On Apr 10, 2014
Hello, This is a financial opportunity at your door step, apply today and get your loan at 3% interest rate. There are many out there looking for financial opportunity or assistance all over the places and still yet they are unable to get one. But this is a financial opportunity at your door step and as such you can't afford to miss this opportunity. This service is render to both individualspanies,business men and women. The loan amount available ranges from any amount of your choice For more information contact us via email: kia_credit@blumail.org FIRST INFORMATION NEEDED Full Name: Personal Phone Number: Country: State: Age: Have you applied before?: Marital Status: Loan amount needed as loan: Loan Duration: Occupation: Monthly Ie: I gladly await your swift response, Warm Regards, CEO

VINCENT HARRY On Apr 9, 2014
HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom ********************************************************************************** Wee to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all types of loan, please email us back with the amount and duration of the loan you require. STAY BLESS REV.FR.VINCENT HARRY SIS ELIZABETH NICOLAS [ASST] HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

olivia On Apr 9, 2014
Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called fidelity loan firm (f.l.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: santoloanfirm@live and get a loan from them. Thanks.(Olivia)

Mr.Richard Villa On Apr 8, 2014
Wee to richardloan Investment Limitedpany (A Personalised Service for All Your Financial Needs) We, richardloan Investment Limitedpany Providers offers loan at a very low interest rate of 3%, we offer Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Educational Loan, Home Loan, and Loan for any reason and urgent needs!. with a maximum duration of 30 years. Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? Are you in debt? Do you need to set up a business? Worry no more as we are here to offer you a low interest loan. Our loan ranges from $5,000-USD (Five Thousand US dollars) to $50, 000,000.00. (Fifty Million US dollars). We also lend in USA DOLLARS EURO and POUNDS !! If you are interested do not hesitate to contact us with information’s below by Email: richardloan69@gmail 1. Your Full names:_______ 2. Contact address:_______ 3. Country Of Residence:______ 4. Loan Amount Required:________ 5. Duration:_____ 6. Gender:_____ 7. Occupation:________ 8. Monthly Ie:_______ 9. Date Of Birth:________ 10.Telephone Number:__________ Yours In Service, Mr, richard. Director Of Operation richardloan Investment Limitedpany richardloan69@gmail

MR MARK MADRID On Apr 8, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

MR MARK MADRID On Apr 8, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

Mrs Katrina On Apr 7, 2014
Greetings to everyone out there, i bring good news to your doorstep,My name is Mrs Katrina Show am a private loan lender,We offer private and business loan,with annual minimum interest rates as low as 3% within 1 year to 40 years of repayment duration period to any part of the world. And We give out loans within the range of $ 2,000 to $ 100,000,000.00 USD.Our loans are well insured and maximum security is our priority, interested persons should contact with us today via Email: katrinashow0@hotmail

REV VINCENT PURCELL On Apr 7, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, REGARDS REV VINCENT PURCELL holyangelsloanfirm.webs EMAIL ADDRESS --[holyangelsloanfirm@gmail] HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

COREY GILIBERTUS On Apr 6, 2014
OUR LADY OF GRACE LOAN FINANCE CENTER EMAIL ADDRESS---ourladyofgraceloancenter@gmail HEAD OFFICE-----2201 West Market Street Greensboro, NC 27403,UNITKINGDOM ============================================================================== OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians and a charitable loan Organization formed to help people in need of help and such as financial help. Do you need funds to start up your own business? Do need loan to settle your debt or pay off your bills? Do you need loan to start a nice business? or you are finding it hard to obtain capital loan from local banks. because of your bad credit scores?contact us today via email ourladyofgraceloancenter@gmail ) We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. BE BLESS, REV COREY GILIBERTUS [C.E.O] EMAIL ADDRESS---[ourladyofgraceloancenter@gmail] OUR LADY OF GRACE LOAN FINANCE CENTER

COREY GILIBERTUS On Apr 6, 2014
OUR LADY OF GRACE LOAN FINANCE CENTER EMAIL ADDRESS---ourladyofgraceloancenter@gmail HEAD OFFICE-----2201 West Market Street Greensboro, NC 27403,UNITKINGDOM ============================================================================== OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians and a charitable loan Organization formed to help people in need of help and such as financial help. Do you need funds to start up your own business? Do need loan to settle your debt or pay off your bills? Do you need loan to start a nice business? or you are finding it hard to obtain capital loan from local banks. because of your bad credit scores?contact us today via email ourladyofgraceloancenter@gmail ) We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. BE BLESS, REV COREY GILIBERTUS [C.E.O] EMAIL ADDRESS---[ourladyofgraceloancenter@gmail] OUR LADY OF GRACE LOAN FINANCE CENTER

REV VINCENT PURCELL On Apr 6, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, REGARDS REV VINCENT PURCELL EMAIL ADDRESS --[holyangelsloanfirm@gmail] holyangelsloanfirm.webs HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

REV VINCENT PURCELL On Apr 6, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, REGARDS REV VINCENT PURCELL EMAIL ADDRESS --[holyangelsloanfirm@gmail] holyangelsloanfirm.webs HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

REV ROBERT CHAPMAN On Apr 5, 2014
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail] ------------------------------------------------------------------------ ST MARY OF THE ANGELS LOAN SERVICES is a charitable loan firm, and help those who are in need of financial help. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail] ST MARY OF THE ANGELS LOAN SERVICES

MDM On Apr 5, 2014
Good day .. Swedish citizen living in Sweden. Need a loan .. URGENT encounter1958@yahoo.se

MDM On Apr 5, 2014
Good day .. Swedish citizen living in Sweden. Need a loan .. URGENT encounter1958@yahoo.se

AUDREY LONGLEY On Apr 5, 2014
My name is AUDREY LONGLEY, am from NEW JERSEY ,IN UNITED STATE OF AMERICA, me and my family are happy today because REV COREY GILIBERTUS saves my daughter,s life by giving me a smooth and easy loan amount of $450 000 from his christian and reliable loan firm named OUR LADY OF GRACE LOAN FINANCE CENTER . I have been a victim of online scams 5 times, till my brother,s wife introduced me to REV COREY GILIBERTUS,C.E.O of OUR LADY OF GRACE LOAN FINANCE CENTER . I was in need for the sum of $450 000 for my daughter,s treatment abroad, and i decided to apply for a loan from OUR LADY OF GRACE LOAN FINANCE CENTER , i was so surprise my loan was approved and granted without any form collateral , no cosigner and with just 1.2 interest rate. The only fee i have to pay was the sum of $200. Am making this testimony today to every one out there who is in financial crises and in need of loan badly to contact OUR LADY OF GRACE LOAN FINANCE CENTER with the email address below---[ourladyofgraceloancenter@gmail]. REV COREY GILIBERTUS is truelly a man of GOD, Once again i must say thank you REV COREY GILIBERTUS for saving my daughter,s life.

AUDREY LONGLEY On Apr 5, 2014
My name is AUDREY LONGLEY, am from NEW JERSEY ,IN UNITED STATE OF AMERICA, me and my family are happy today because REV COREY GILIBERTUS saves my daughter,s life by giving me a smooth and easy loan amount of $450 000 from his christian and reliable loan firm named OUR LADY OF GRACE LOAN FINANCE CENTER . I have been a victim of online scams 5 times, till my brother,s wife introduced me to REV COREY GILIBERTUS,C.E.O of OUR LADY OF GRACE LOAN FINANCE CENTER . I was in need for the sum of $450 000 for my daughter,s treatment abroad, and i decided to apply for a loan from OUR LADY OF GRACE LOAN FINANCE CENTER , i was so surprise my loan was approved and granted without any form collateral , no cosigner and with just 1.2 interest rate. The only fee i have to pay was the sum of $200. Am making this testimony today to every one out there who is in financial crises and in need of loan badly to contact OUR LADY OF GRACE LOAN FINANCE CENTER with the email address below---[ourladyofgraceloancenter@gmail]. REV COREY GILIBERTUS is truelly a man of GOD, Once again i must say thank you REV COREY GILIBERTUS for saving my daughter,s life.

MR MARK MADRID On Apr 4, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*** You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We give out our Loan in USD($) and GBP(£) and any currency of your choice. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

MR MARK MADRID On Apr 4, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*** You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We give out our Loan in USD($) and GBP(£) and any currency of your choice. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

AMBASSADOR ANGELO On Apr 4, 2014
COMPANY NAME: WEST AFRICAN INTERNATIONAL APPROVED LOAN AND HOME MORTAGEPANY PLC. LOAN LEGAL NUMBER:LL|010|WAL. APPROVED BY:INTERNATIONAL LAW ASSOCIATION OF LOANMISSION EMAIL:westafricanfinancialhelp1920@gmail LOAN OFFICER:AMBASSADOR ANGELO PHONE NUMBER:+2348139727009 ESTABLISHED IN 1920. Did you have a financial problem or home mortage problem? Are you worrying about how to get a legal approved loan West African International Approved Loan And HomeMortagepany ,is there for you as the facilitator of all you need. no matter what type of loan you need,just choose your chioce and we shall grant it to you. Home Purchases Home Refinancing Loan Legal Lender Loan Programs Mortage Basics Mortage Calculators. FILL THE LEGAL FASTEST LOAN QUOTE Type of loan............... Occupation................. PropertY Value............. Loan amount................ First name................. Last name.................. Email...................... Phone number............... Maritals................... Duration................... Nest of kin................ Sex............................... Country......................... Refinancing is easy with our professionals helps,let us be the stepping stone of your dreams the perfect home is waitng for you,let us find you the legal perfect loans to go with it. THANKS YOURS FAITHFUL AMBASSADOR ANGELO

REV VINCENT PURCELL On Apr 3, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, REGARDS REV VINCENT PURCELL holyangelsloanfirm.webs EMAIL ADDRESS --[holyangelsloanfirm@gmail]

REV VINCENT PURCELL On Apr 3, 2014
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail] ============================================================================= Wee to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, REGARDS REV VINCENT PURCELL holyangelsloanfirm.webs EMAIL ADDRESS --[holyangelsloanfirm@gmail]

MR MARK MADRID On Apr 3, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We give out our Loan in USD($) and GBP(£) and any currency of your choice. Available Loans we offer are, * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) *bination Loan * Consolidation Loan And Many More: * International Loans * InvestoLoans -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-* * * Are you financially Squeezed? * Do you seek funds to pay off credits and debts * Do you seek finance to set up your own business? * Are you in need of private or business loans for various purposes? * Do you seek loans to carry out large projects * Do you seek funding for various other if you need loan you can contact us via our email address-----[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*- Get affordable Loan from CREDIT SUISSE LOAN FINANCE FIRM . LOAN BENEFIT *Available 24hours/7days *Loan is offer to individual/corporate worldwide *No Collateral Required. *Interest Rate of 1.3%. *Loan Amount: $1000 USD and above. *Loan Repayment Schedule Start Six months after. *Loan Repayment Grace Period of Six months. *Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is 15 minutes, via cheaque. CREDIT SUISSE LOAN FINANCE FIRM is located in 35 Portman Square W1H 6LR,UNITED KINGDOM THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

MR MARK MADRID On Apr 3, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We give out our Loan in USD($) and GBP(£) and any currency of your choice. Available Loans we offer are, * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) *bination Loan * Consolidation Loan And Many More: * International Loans * InvestoLoans -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-* * * Are you financially Squeezed? * Do you seek funds to pay off credits and debts * Do you seek finance to set up your own business? * Are you in need of private or business loans for various purposes? * Do you seek loans to carry out large projects * Do you seek funding for various other if you need loan you can contact us via our email address-----[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*- Get affordable Loan from CREDIT SUISSE LOAN FINANCE FIRM . LOAN BENEFIT *Available 24hours/7days *Loan is offer to individual/corporate worldwide *No Collateral Required. *Interest Rate of 1.3%. *Loan Amount: $1000 USD and above. *Loan Repayment Schedule Start Six months after. *Loan Repayment Grace Period of Six months. *Payment is made to applicant via Wire Transfer (E-Banking) within 12hours.,bank accout30 minutes, to bank account, western union or money gram is 15 minutes, via cheaque. CREDIT SUISSE LOAN FINANCE FIRM is located in 35 Portman Square W1H 6LR,UNITED KINGDOM THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

MR MARK MADRID On Apr 3, 2014
CREDIT SUISSE LOAN FINANCE FIRM HEAD OFFICE--------35 Portman Square W1H 6LR,UNITED KINGDOM EMAIL ADDRESS------[creditsuisseloanfirm@gmail] -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*- You are weed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is helping the needy to gain financial stability in order to meet with the demands of living. And helping those who are in financial crises. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. THANKS MR MARK MADRID EMAIL ADDRESS------[creditsuisseloanfirm@gmail] CREDIT SUISSE LOAN FINANCE FIRM

HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM On Mar 27, 2014
HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom ********************************************************************************** Wee to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all types of loan, please email us back with the amount and duration of the loan you require. STAY BLESS REV.FR.VINCENT HARRY SIS ELIZABETH NICOLAS [ASST] HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

VINCENT HARRY On Mar 27, 2014
HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom ********************************************************************************** Wee to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all types of loan, please email us back with the amount and duration of the loan you require. STAY BLESS REV.FR.VINCENT HARRY SIS ELIZABETH NICOLAS [ASST] HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM EMAIL ADDRESS---holyapostlescatholicchurchloan@gmail HEAD OFFICE-----47 Cumberland Street, London SW1V 4LY United Kingdom

olivia On Mar 24, 2014
Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called fidelity loan firm (f.l.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: santoloanfirm@live and get a loan from them. Thanks.(Olivia)

Mrs Marry K On Mar 17, 2014
Hi everyone here.I am Mrs Marry K. What Jack Marry said is very true though i may not know her. I experienced it first hand also. It was this organization called Wayne Matthew Loan Home (W.M.L.H)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: wayne.matthewloanhome@outlook and get a loan from them. Thanks

olivia On Mar 14, 2014
Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called fidelity loan firm (f.l.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: santoloanfirm@live and get a loan from them. Thanks.(Olivia)

Beatrice On Mar 10, 2014
Hello I am Mrs Beatrice Adam,currently living in New jersey city,USA.I am a widow at the moment with three kids and i was stuck in a financial situation in may 2013 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,I was introduced to a man of God a private loan lender by name Mr MARK SMITH who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment,if you must contact any firm with reference to securing a loan with low interest rate of 5% and better repayment plans and schedule,please contact Mr MARK SMITH.He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email via: marksmithloan@outlook (Mr Marksmith)

Beatrice On Mar 10, 2014
Hello I am Mrs Beatrice Adam,currently living in New jersey city,USA.I am a widow at the moment with three kids and i was stuck in a financial situation in may 2013 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,I was introduced to a man of God a private loan lender by name Mr MARK SMITH who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment,if you must contact any firm with reference to securing a loan with low interest rate of 5% and better repayment plans and schedule,please contact Mr MARK SMITH.He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email via: marksmithloan@outlook (Mr Marksmith)

Sheila Russell On Mar 10, 2014
I am 56+ yr old living in senior/Disable apartment through Hud and phoenix Housing Authority. I like to relocated to Illinois and transfer my Hud there in an simply style one bedroom apartment or low ie that accept Hud and a Hud apartment listing of such ones that do accepts out state transfer. Please reply.

Dr. Robertl Johnson On Mar 8, 2014
We are certified, trustworthy, reliable, efficient, Fast and dynamic and Remember your financial stability is our concern. low interest rate of 2% A trial will convince you kindly fill and get back to us as fast as possible so that we can proceed with your loan from our pany. FIRST INFORMATION NEEDED ARE: First Name:______ Last Name:_______ City:____________ Zip Code:________ State :__________ Country:_________ Gender:__________ Date of birth:___ Telephone:_______ Marital Status:__ Occupation:______ Loan Amount:_____ Purpose of loan:_ Loan Duration:___ Monthly Ie:__ Have you applied for loan before (yes or no).. Visit us on:robertlhelpfunds805@hotmail

Harry On Mar 8, 2014
Good day, My name is Mr.Harry John have been arranging loans for many years. 3% is my interest rate and lower cost than any one else in town. Contact me today E-mails:harryjohnfinancialhelp@gmail Loan Application Form *Full Name........................ *Gender........................... *Loan Amount Needed............... *Loan Duration..................... *Country.......................... *Home Address...................... *Phone Number...................... *Fax............................... *Occupation................... *Purpose of loan............... *Monthly Ie.................... Thanks for your time i wait to hear for you, Mr .Harry John

Mr William On Mar 3, 2014
Do you need a loan to pay bills or start your own business, you may qualify for a loan now and contact us by e-mail: williamqueen@blumail.org Loan Application Name: Tel: Age: address: Country: Occupation: Loan Amount: Loan Duration: Purpose of loan: Mr William. C/E/O

Diana Erickson On Feb 26, 2014
I am a 55 year old disabled women in Lincoln Nebraska. I do receive Social Security Disability. I have been homeless since August of 2012. I am temporary staying with a friend but have to move again this week. I have no place to go. The waiting list for housing is several years. I do not qualify for senior housing because I am not yet 62. There are no programs in Lincoln that can help me. The homeless shelter is full. I have slept in my car before, but it is Winter and very cold. I am scared and alone. Not sure what to do now. Can anyone help me?

Mrs Barbara Arnold On Feb 19, 2014
Hello Every One, My Name is Mrs Barbara Arnold, i live in USA and life is worth livingfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr.Barry James who provides loans at an affordable interest rate and i have been hearing about so many scams on the Inter but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Barry James and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via barrylender070@hotmail and i want you all to pray for this man for me

Hawkins On Feb 19, 2014
My name Hawkins, i am from California USA, married, i have been searching for a genuine loanpany for the past 3 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me money less, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loanpanies on anymore, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loanpany that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loanpanies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr.Barry James By Email barrylender070@hotmail , they will never fails, your life shall change as mine did.

lapo On Feb 17, 2014
Are you seeking for a loan and never get it? Heree to the solution of all your financial problem's applied for personal and business loan today with LAPO loanpany at 3% interest rate from 1 to 10 year repayment.loan ranging from $5000 to $5,000,000.00,for more information apply now via email(liftabovepovertyloans2014@gmail). Contact email... liftabovepovertyloans2014@gmail website.....lapo-nigeria.org

Ms Stover On Feb 17, 2014
Hello, im interested in relocating to New Jersey anywhere that have new affordable apartments or townhomes for a disabled 50 yr + baby boomer in a nice area. Please provide me with some additional information and available occupancy...soon as possible. Thank you.

Fred Smith On Feb 3, 2014
Do you need a loan? If the answer is YES! Live Finance & Mortgages Ltd® provides loans to the amount of loans for small and large. We give out loans at 2% interest. We give loans (£ 5,000)five thousand pounds (£ 100 million) one hundred million pounds to individuals and panies, and credit is open to all, regardless of nationality. For more information contact our email : live_finance@hotmail Thanks

Mr.Stanley Coleman On Jan 30, 2014
Dear Sir/ Madam, Are you looking for a loan? We are good reputable and registered license loanpany, We can grant you the loan, with an interest rate of 2% We give loans to all the countries in the world. Below are the types of loans, that we offer. *Personal Loan *Business Loan *Secured Loan *Unsecured loan *Consolidation Loan *Mortgage Loan *Project Loan *Student Loans mercial Loan *Car Loan If you are highly interested, kindly contact us via e-mail address: f.financeindia@gmail Mr.Stanley Coleman Managing Director f.financeindia@gmail Tel: +918373952906

Mrs Sherell Fountain On Jan 26, 2014
Good day. I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs Sherell Fountain by name, I live in Texas, United State Of America, I want to thank (Mr.John Harrison) for his kindness upon my family life. I never knew that there is still nice lender like this on inter and earth here. Just some Months Back, I was in search for a loan of $50,000,00 as I was running out of money for feeding and rent. I was scammed $2,800 Dollars and I decided not to involve my self in such business again but a Friend of my introduced me to a loan firm due to my appearance and doings. And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will rmend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $50,000.00usd, by this greatpany (John Harrison Loanpany) managed by (Mr.John Harrison) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via: john.harrison071@lenderdesk.info And you will be free from scams in the inter. All thanks to Mr.John Harrison You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mr.David Harrison that if i truly got my loan, i will advertize hispany and bring customers to hispany. Contact him now at ( john.harrison071@lenderdesk.info ) for the Loan you have been looking for..

Sandra On Jan 17, 2014
I can only say do not move to Las Vegas there is nothing here. Its a desert Mexicans have taken over the town. They have moved here from California and taken the jobs. So please make sure you do your homework before you move

Rebecca wetherington On Jan 11, 2014
I am living in Huntington Beach and I need to move and I don' t understand with housing I qualify for I,am 53 years old and permanent disable can you help me get a place

Kari Dale On Jan 9, 2014
Why are u not helping these people? I feel so sad I wish I wasà zzillion are. Please help them asap. Thanks and God HelpUsmAll

Darlene On Jan 4, 2014
When I applied for section 8 in 2010 I was told I could be placed in an apartment within a week but I had too much debt. I reduced my debt by agreeing to a high interest. Now I'm told I'm on a list and will not get a rent voucher any time soon. Four years ago I was offered an apartment before I was put on a list, now I have to wait for an opening because I'm on a list ? I'm 67, in fair/poor health, on a very small amount if SSI and have no place to go. My landlords want me to vacate ASAP to make room for their growing family. I live in a rented room, have sisters in their 80's, and little or no contact with my children. I HAVE NO PLACE TO GO. I WILL NOT LIVE IN A SHELTER. There must be something out there for my needs. I have written congressmen, local newspapers, help lines. and Catholic Social Services. I have no plan B. All I want is a decent, clean apartment in a safe neighborhood. I'm frustrated, scared, and out of time. Now What ?????????????

dfish On Dec 27, 2013
i am disabled - sever carpal tunel/nerve damage in hands - and can't type/can't use inter therefore helpless! nothing availble by mail/phone anymore; no help without hours and hours of research...on soc sec disab/no car/no money to travel and check out possible places but want out of NJ and horrible ap't seeking HUD or low ie ap't in VT/NH/Mass/ME/NY/CA/CO almost anywhere except "the south" and midwest... the any suggestions appreciated!

Jaunice On Dec 20, 2013
I am a 62 year old disabled veteran and receive 600 a month from VA. I will start to receive social security in the amount of 700 starting in January. My son lives in GA and I need to move to that area so I will be near him. Because my ie is low I am having trouble finding affordable housing. Are there any programs that help disabled veterans find or help with housing? I am at wits end because I have to move before February of 2014 and have had no luck in finding a place to live. Any information would be greatly appreciated.

L Henderson On Nov 7, 2013
My 96-old mother in law is at the top of the list for a Northern CA HUD senior housing in Menlo Park. We've been told 2xs that she can have a unit with a balcony, and now has been offered one without. (About 80% do.) In a month, one with a balcony will be available. Does she legally have to take the unit w/out one? Their are 4 others on a long list who might be willing. Thank you.

Lori Walton On Oct 22, 2013
I need viable information on housing resources for disabled seniors. I am 55 years old & have been disabled since 2008 receiving $705.00 monthly from Social Security Disability Insurance. The information I have received so far is like a wish list that will never be realized. Due to recent events, stolen vehicle & household items including my clothes and personal effects will be homeless very soon. I am staying with one of my sons but I have to move out by the end of October. I have my dogs which are registered with the ADA that I need for emotional health reasons. The waiting list for a Section 8 voucher is up to 4 years. I am a breast cancer survivor to this point & I suffer from emotional and physical disabilities. Where can I find emergency permanent housing that I can afford?

mary Doyle On Oct 7, 2013
would office on aging in freehold be a good place to start re.retirement housing and questions about eligibility for HUD and finding a faith basedmunity in freehold..marlbora.matawan area ..I don't want to give all info over the phone..thank you

Ylonka On Sep 25, 2013
I qualify for public housing in Florida thru HUD but I don't like the place now if I don't take it I will be taken out of the waiting list is like they obliged you to take or leave it is that right?

Connie On Sep 10, 2013
I am 70 years old and live in my house in Spokane, and still pay mortgage. The house needs lots of repairs and I do not have money to do this. I would like to know if there is any possibility of getting help with repairs. Thank you

jacqueline williams On Aug 30, 2013
I am totally confused, I am not sure which program I qualify for. too much info.

laura On Aug 16, 2013
Currently I live in Huntington Beach, Ca. I only have Social Security disability for ie. Have to move soon. Want to stay in the Orange County area. I am having a hard time finding a place. Any help or Ideas would be very much appreciated.

Kevin Cain On Aug 6, 2013
Our church has approximately 7 acres of land which is paid for and we would like to utilize it for senior living quarters. Where should we start and is there anything HUD can direct us to in order to make this happen?

Colene Schlaepfer On Jul 28, 2013
Our church has a parcel of land next to it for sale. We would like senior housing to be built there.Some of our members need it. We offer many enriching activities for seniors to enjoy. The land now has 2 old duplexes and is zoned for 6 units. Who could we talk to about building senior housing on the property we are selling?

Mrs. Kassem On Jul 7, 2013
I have a question. My brother is 75 has a section 8 voucher & apt. He has to stay in a long term care home until his legs get strong enough to walk. Can he keep his section 8 voucher so he will get a place to live when hees out???? Thank You

Janet Bibbs On Jun 3, 2013
I plan on retiring in 2014 and I live in a old house that needs repairs. I would like to live here after retirement but need help fixing it up. roofing sidings on one side of the house. It also need closet spaces and the back room restored. I need to know how to go about getting help from the goverment for repairs. thank you ms.Bibbs

Angela Graham On May 14, 2013
My elderly aunt & uncle approached me to live with me and my family as they are afraid to end up in an elderly home. My husband and I are not opposed to this but unable to financially support them. I am trying to get them prequalify for some type of financial assistance for long term care & was even contemplating in getting my home licensed for adult home but prohibits us due to blood relations. What options do I have in order to take them in but be compensated as financially we are not able to support both of them. Please advise.

Felicia Polk On Apr 16, 2013
Hello, As I read many of the post. They were not comments they were ppl asking for help. I too, really need suggestions and answers on a few questions. Do you have any suggestions on where to find or information on if a person needs to move from New Jersey to Florida and this caregiver is 55plus, taking care of a young child. My comment is it would be nice if you posted information about how to achieve housing as a grandcaregiver/grandparent.

diane holmes On Apr 14, 2013
i so desperately have to move out of my home in which i am purchasing. i have retired, so i have no income hardly, i want to sell my house in the condition it is in. which means that i can only get 2000 or 2500 dollars to move out and give the house over. i want to move into a small 2 bedroom house. or find a large one bedroom apartment. plesase give me as much help as you can. you see i live near drug dealers next door. partying, drugs, pitbulls and puppies are there, dog barking and howling all night long. i am so stressed out and going into a state of depression because of this. cops in camden nj know this. i have already called them and even talked to them please send me and application for housing ASAP. thank you

Susan On Apr 14, 2013
I live in a hud sponsored senior co op. The co op is directly in line with a transformer grid yard and did not realize it at first. Did they put us here on purpose to make sure we all die before our time? Now I need to figure out how to move. I have not felt good one day since living here. Shame on them.

Mary Beatty On Mar 26, 2013
I am 71 years old living in a senior center in Hillsborough NC i am moving to Phoenix Arizona in July my son is a 42 year old disable man living in Raleigh NC we are moving to Arizona because of his health he can no longer deal with the cold weather here and the humidity We are in need of housing we would like to live together because i help take care of him. He has a 14 year old daughter he is responsible for Is there any help for us?

donna mcquiston On Feb 18, 2013
I would like to know if i can apply for senior housing programs, through hud, out of state. My family will be moving from Texas to Utah. I am a senior, with disabilities and a veteran. I am low-income, and would need help getting into an apartment in Utah. Can I apply before actually moving there? Please advise, donna

Judith On Feb 3, 2013
I am asking this question for an elderly friend who has no computer access: She has been separated from her husband for over five years, although no legal separation documentation took place, both wife and husband live in separate domiciles, having altogether different addresses and zip codes. She would like to know if she could apply for some form of government subsidized 65+ senior housing based solely on her own income or does the husband's income enter into the picture since the separation was not legally documented. She is 71 years of age, works part-time, and receives Social Security. Her husband is no longer employed and he lives on his Social Security.

donald jone On Jan 29, 2013
I live in the state of NJ, in a senior community setting. I would like to transfer my HUD voucher to AZ. However I am in need of a location that will further assist me with moving to Sun City Az. I'm disable and over the age of 55. Would need wheel chair assailable apartment.

Susan McCord On Dec 18, 2012
I very much appreciate the information I've found on this site. I will be unable to afford my current rent by summer 2013. I'm a retired professional, lifelong homeowner (now foreclosed), and living in an apartment on the opposite side of the city from my home and medical care. I'm age 70, retired with heart disease, and rapidly approaching the end of my retirement monies. This site has been very helpful to me in obtaining sites with information on how I might proceed to find some kind of assisted housing. Thank you.



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