Stable Home Fund Donate
Zero-interest rent relief · National nonprofit

One bad month shouldn’t cost a family their home.

We’re a national nonprofit that makes 0% interest, no-fee rent loans, paid straight to your landlord before an eviction is ever filed. Families repay later, once things are steady again.

Get help with rent Partner with us

10,000+ families served 46 states + D.C. $0 in fees, ever

Application to approval4 hours, not 45 days
Every loan, always0% interest · $0 fees
Rent paid directlyStraight to the landlord
The pieces of a stable home

A home is built from many pieces. We hold them together.

Rent is the biggest piece, but it is not the only one. A medical bill or a car repair can put the whole home at risk. Our job is to catch that moment early, while the fix is still small.

The keystone

Housing

Rent is the keystone. Our 0% loans stop an eviction before it starts.

Food

A family choosing between rent and groceries shouldn’t have to.

Transportation

The car that gets you to the job that pays the rent.

Medicine

One ER bill shouldn’t cost a family their lease.

Security

We help with deposits, so the lease is in your own name.

Emergencies

A $400 surprise is how the spiral starts. We catch it early.

Others process applications.

We prevent evictions.

How it works

Apply in the morning, hear back the same day.

An eviction case can be filed within days of a missed payment, so every step here is measured in hours.

01

Apply in minutes

The application works in any language, on any device. We ask for the basics about you, your rent, and your landlord. There is no fee and no credit score requirement.

02

Approved in hours

Our team reviews applications the same day they arrive. Most families hear back within hours, well before a court date is ever set.

03

Rent paid directly

We pay your landlord directly, so the filing never happens. You keep your lease, and your kids keep their school.

0% interest $0 fees Repay when you’re back on your feet
Impact

What the fund has done so far.

Each number below comes from loans we have already made and families who are still in their homes.

Families served 10,000+ across 46 states + Washington, D.C.
Of borrowers 69% are women
Of borrowers 79% are Black and Latinx
Of borrowers 79% earn below 80% of Area Median Income
Partner network 1,000+ properties nationally
On every loan 0% · $0 zero interest and zero fees, always

For context: 3.6 million eviction cases are filed in the U.S. every year, and filings are running 50%+ higher than before the pandemic. Most of them start with one missed month.

Our technology

The platform behind every loan.

Every Stable Home Fund program runs on our own operator console. Applications, review, payments, messages, compliance, and case management all live in one system, so no family waits on a lost file.

4 hrs not 45 days
from application to approval
50+ languages
supported across every application and message
380K
applications processed on the infrastructure our programs run on
$40M in 40 days
delivered by that same infrastructure, on real-time payment rails
For partners

Bring rent relief to your city.

We design rent relief programs, run them day to day, and handle the reporting. If you want one in your community, you don’t have to build it from scratch.

Funders & philanthropy

Because these are loans rather than grants, repayments go back out to the next family. One gift keeps working for years, and you get reporting you can put in front of any board.

Design a fund

State & local government

We can stand up an emergency rental assistance program in weeks and get money to families in hours, with compliance handled from the start. Your team sets the policy, and we run the rest.

Launch a program

Property owners

An eviction costs you months of vacancy, plus turnover and court fees. We pay the arrears directly and keep a good tenant in place. More than 1,000 properties nationally already work with us.

Keep your tenants
A national 501(c)(3) nonprofit In partnership with Esusu Serving 46 states + Washington, D.C.
“I was three weeks short after my hours got cut. That was the whole crisis. The rent got paid before my landlord filed anything, and my kids never knew how close it got. We’re still in the same apartment, and they’re still at the same school.”

Keisha · Atlanta · borrower since 2024