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The application works in any language, on any device, and takes about ten minutes. There is no fee and no minimum credit score.
A national eviction-prevention fund
The most powerful word in housing is stay.
Stable Home Fund makes zero-interest, no-fee rent relief loans that stop an eviction before it’s ever filed. We also design and run rent relief programs for cities, funders, and governments.
3.6 million eviction cases are filed in the U.S. every year, more than 50% above pre-pandemic levels. Most begin with one or two missed months of rent. We step in at that point, before a case is filed.
10,000+ families 46 states + D.C. 0% interest
¶ Our position
Others process applications. We prevent evictions.
A stable home is built from many pieces. Rent is the biggest, but a family also has to cover food, transportation, medicine, and the emergencies nobody budgets for. When one piece breaks, a medical bill or a car repair, the rent is suddenly at risk too. Stable Home Fund makes a fast, zero-interest loan at that moment, before an eviction is ever filed.
Timing matters more than anything else in this work. Once an eviction is filed it stays on a family’s record for years, even when they win the case. We settle the rent before there is a case at all.
All of our loans are 0% interest with $0 fees, and repayment waits until a family is steady again.
Contents · The six pieces
An index, in six parts
The pieces of a stable home.
Six things a family needs to stay housed. Rent is where we step in first.
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No. 01
Housing
Rent is the keystone. Our 0% loans stop evictions before they start.
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No. 02
Food
A family choosing between rent and groceries shouldn’t have to.
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No. 03
Transportation
The car that gets you to the job that pays the rent.
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No. 04
Medicine
One ER bill shouldn’t cost a family their lease.
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No. 05
Security
A deposit, a lock, a lease in your own name.
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No. 06
Emergencies
The $400 surprise that starts the spiral. We catch it early.
Rent is usually the last piece to break.
By then a family has already cut everything else.
The method · How it works
Three steps
From application to paid rent in hours.
Approved in hours
Our system checks documents as they arrive, so most families hear back the same day instead of waiting weeks for a caseworker.
Rent paid directly
We pay the landlord directly, so the back rent is settled in full and there is nothing left to take to court.
Every loan is 0% interest and $0 fees. Repay when you’re back on your feet.
Get help with rentThe record · Impact
By the numbers
Ten thousand families and counting.
10,000+
Families served across 46 states and Washington, D.C.
69%
of our borrowers are women.
79%
of our borrowers are Black and Latinx.
79%
of our borrowers earn below 80% of Area Median Income.
1,000+
Properties nationally where landlords work with us instead of the courts.
46 + D.C.
States, plus Washington, D.C., all administered from one system.
0% · $0
Interest and fees on every loan, without exception.
For context: 3.6 million eviction cases are filed in the U.S. each year, and filings are running more than 50% above pre-pandemic levels.
The infrastructure · Our technology
Fig. 1, with notes
The system behind every loan.
Applications, review, payments, communications, compliance, and case management all run in one system that our own team operates.
Every Stable Home Fund program runs on infrastructure that has delivered $40M in 40 days.
Stable Home Fund / Programs / Rent relief / Case queue
Live · Production
| Applicant | Case | City | Amount | Language | Status |
|---|---|---|---|---|---|
| María González | SHF-2417 | Atlanta, GA | $1,840 | Spanish | Needs review |
| Darnell Whitfield | SHF-2416 | Memphis, TN | $1,250 | English | Approved |
| Amara Diallo | SHF-2415 | Columbus, OH | $2,105 | French | Approved |
| Linh Trần | SHF-2414 | Tacoma, WA | $1,610 | Vietnamese | Disbursed |
| Rosa Ibarra | SHF-2413 | Phoenix, AZ | $980 | Spanish | Disbursed |
| Jamal Carter | SHF-2412 | Baltimore, MD | $1,475 | English | Approved |
4 hrs
Median time to approval, down from the 45-day norm.
50+
Languages supported, application to closeout.
$40M
Delivered in 40 days by the infrastructure our programs run on.
380K
Applications processed on that same infrastructure.
Track record of the infrastructure Stable Home Fund programs run on, with real-time payment rails and built-in fraud protection.
For partners · Program administration
Funders · Governments · Property owners
Bring rent relief to your city.
Beyond our own loans, we design, administer, and report on entire rent relief programs for funders and governments. You bring the capital and set the policy. We handle everything from a family’s first application to the final report.
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a.
Funders
Your gift goes out as 0% loans that revolve. As families repay, the same dollars go back out to the next household, so one contribution keeps working for years.
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b.
Governments
We run the whole program: intake in 50+ languages, eligibility checks, payments, compliance, and reporting. Approvals take hours, and every decision carries an audit trail.
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c.
Property owners
Owners at 1,000+ properties already work with us. The back rent arrives in full, and you keep a good tenant instead of facing a vacancy and a court date.
Partner with us
A program brief is available on request.
A borrower’s words
My hours got cut and I fell a month behind. They paid my landlord directly, and I paid them back that fall with no interest and no fees. My kids never changed schools. We are still here.
In partnership with Esusu†
A national 501(c)(3) nonprofit‡
Serving 46 states and D.C.§
†Our partner reports on-time rent payments to credit bureaus, so borrowers build credit as they repay.
‡Donations are tax-deductible and go out as 0% loans to families behind on rent.
§10,000+ families served so far, at 1,000+ properties across the country.
Help a family stay.
Donations go out as 0% loans and come back to fund the next family. If you’re behind on rent, the application takes about ten minutes. And if you fund or run housing programs, we would like to talk.