National rent relief infrastructure
Stable Home Fund makes zero-interest loans to families behind on rent, and runs complete relief programs for governments and funders. The same infrastructure now stands behind some of the most effective aid programs in the country.
10,000+ families served 46 states + Washington, D.C. 0% interest, $0 fees
For renters
A zero-interest loan covers your back rent and gets paid directly to your landlord, often within hours of approval. 0% interest and $0 fees on every loan, and you repay when you are back on your feet.
Get help with rentFor partners and governments
Run your program on infrastructure that has already processed 380,000 applications. We design the eligibility rules with you, then handle administration and reporting from intake to the last audit question.
Talk to usTrack record
These are program results, not projections. Every number below comes from loans made and programs administered since our founding.
Why we exist
Rent is the keystone, but stability depends on everything around it. When one piece gives way, the whole home is at risk. It usually starts with something as ordinary as a car repair or a hospital bill.
Eviction filings now run more than 50% above pre-pandemic levels. Early intervention is the cheapest fix in housing.
Rent is the keystone. Zero-interest loans stop an eviction before it ever reaches a courthouse.
No family should have to choose between the rent and the groceries.
The car that gets you to the job that pays the rent.
One emergency room bill should not cost a family their lease.
A deposit, a working lock, and a lease in your own name.
A $400 surprise can start the whole spiral. We catch it early, while it is still small.
What we run
Whether you are a family eleven days from a court date or a county with a relief budget to move, the delivery system is the same.
01
Zero-interest loans for families facing eviction, with most decisions back in hours and payment sent straight to the landlord. Repayment starts when the household is steady again, and never includes interest or fees.
Approvals in 4 hours, not 45 days
02
Cities, counties, and funders bring us a budget and a goal. We build the application, review every case, move the money on real-time rails, and hand back reporting that stands up to an audit.
Serving families in 46 states + D.C.
03
Owners and property managers get paid on time and keep good tenants in place. An eviction filing costs everyone more than the back rent it chases.
1,000+ properties nationally
For families
No waiting rooms, no paper piles, and no wondering where your application went.
The application works on any phone or computer, in more than 50 languages. If you have your lease and a past-due notice, you have what you need.
A trained reviewer looks at every application. Most families hear back the same day, not next month.
We pay the property directly, so the debt is settled and the eviction stops. You repay the loan over time at 0% interest, with no fees, once you are back on your feet.
Approvals in 4 hours, not 45 days
The platform
Our delivery infrastructure has moved $40 million in 40 days and processed 380,000 applications across public benefit programs. Every Stable Home Fund loan and every partner program runs on it: intake, review, payment, and reporting in one system.
The operator queue as our program staff see it. Every action on every case is written to the audit trail.
Identity and document checks run on every application before a dollar moves.
Every decision, payment, and edit is logged and exportable for funders and auditors.
Families apply and get updates in their own language, on any device they have.
Funds settle with the property, not a debit card, so the arrears actually clear.
I was eleven days from a court date when I applied. The loan covered two months of back rent, my landlord was paid that same week, and my kids never found out how close it got. I finished repaying it this spring, and it cost me exactly what I borrowed.
Keisha, Atlanta, Georgia. Borrower, 2024 to 2026.
For partners
From a signed agreement to the first payment, most partner programs are live in days. There is no software to procure and no build phase, because the infrastructure already exists.
We scope eligibility, budget, documentation rules, and outcome targets with your team, drawing on what has worked in dozens of programs before yours.
Typical scoping: 2 weeks
Applications open on our existing infrastructure, in your county's languages, on any device your residents carry.
Live in days, not quarters
Our staff review every case, run fraud and identity checks, and move payments directly to landlords on real-time rails.
Median decision: hours
You see disbursement, demographics, and outcomes in audit-ready reporting, not a spreadsheet assembled six months after the fact.
Every dollar accounted for
Others process applications. We prevent evictions.
Get started
Families get an answer in hours. Partners get a program that is live in days. Donors get to see exactly where every dollar went.