COLUMBUS, Ohio - The door soon will close on foreclosure-prevention assistance available through the "Save the Dream Ohio" program. April 30 is the deadline for homeowners to register and receive up to $35,000 in mortgage assistance.

Antoinette Smith, a foreclosure prevention specialist at Empowering and Strengthening Ohio's People, or ESOP, a nonprofit HUD-certified housing counseling agency in Cleveland, called the program a lifeline for Ohioans who are struggling to stay in their homes. She said that includes "anyone who has experienced loss of income, who has become unemployed, who may have had a death of a wage earner in the home, divorce, disability, who may have experienced excessive medical bills from an illness."

It's estimated that since the program began in 2010, nearly 17,000 homes have been saved from foreclosure. The program has assisted homeowners through rescue payments, mortgage payments, lien elimination, loan modification and transition assistance.

The program is funded by the U.S. Department of the Treasury's "Hardest Hit" fund. Of the $570million given to Ohio, approximately $100 million is left. Smith said anyone who needs assistance should submit an application as soon as possible, before time and money run out.

"The most important thing is contacting us, calling us, sitting with a counselor letting us assess your situation and make the determination with you," she said.

To apply for the program, homeowners can contact a housing counseling agency, or call 1-888-404-4674. More information is online at savethedreamohio.org.


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As urban homelessness and drug use grab the spotlight, rural areas such as Branson are left in the shadows, with critical needs going unmet. But local community organizations are stepping up to provide much-needed support.

Branson has a growing crisis where substance use and homelessness intersect, with about 1,500 people, mostly those who are working but still considered low-income, living in extended-stay motels. An estimated 20% of the population is homeless, and motel living heightens the risk of substance-use and mental-health issues.

Marietta Hagan, project coordinator, Population Health Department with Cox Health, said there are the challenges to addressing these issues in rural areas.

"Lack of transportation in rural areas, lack of that financial and other resources. Branson is considered a rural area, even though we get 9 million visitors a year - we only have a population of 12,000 and the services to support those," she said.

Also, rural areas often have fewer homeless shelters, making it harder for people to find emergency housing or long-term support. Hagan said the good news is, people who have recovered from drug use and homelessness are working together to help those still struggling.

Hagan said it's almost like a multiplying factor - and once a person starts to struggle with issues stemming from poverty, especially in rural areas, it increases their risk of struggling with other issues such as drug use and homelessness - and this leads to stigmas and a lack of support.

"If you live in a small town that has 300 people, and you are labeled as a drug user, you're often ostracized from your community and you're not given that social support and that community that you can turn to maybe when you're struggling with something," she continued.

Between 2022 and 2023, Missouri saw a 12% increase in homelessness and a 24% rise in unsheltered homelessness.


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Some University of Nebraska students are gaining career skills as they work to address the state's affordable housing shortage by making small, practical dwellings available in some of Omaha's most distressed areas.

The price of a new home in the U.S. has jumped from about $140,000 to more than $340,000 in the last two decades, making affordable homes harder to come by and leaving more people without a place to live. Omaha reflects the trend.

Jeffrey Day, professor of architecture at the University of Nebraska-Lincoln, said the city needs 30,000 additional housing units to keep up with demand, and 60% have to qualify as "affordable."

"The other challenge in Omaha is that 80% of the city's residentially zoned land does not allow multifamily, or even small multifamily, housing," Day pointed out. "It's really all zoned for single-family dwellings, which makes it very hard to increase density in the city in order to produce more units."

Day's student-run Fabrication And Construction Team is designing and building small, affordable housing units on lots in older parts of Omaha, with an eye toward serving the aging population. The lab is working with Partners for Livable Omaha to plan and build the houses.

Because Omaha's strict zoning laws prohibit multifamily housing, the design and construction teams are creating Accessory Dwelling Units and cottage clusters, sharing a common outdoor space. Day stressed multifamily homes will have to play a part in solving Omaha's affordable housing dilemma at some point.

"We're focusing on the single-family dwelling and looking at a very small, extremely efficient dwelling that's designed to be accommodating for aging people who might have mobility challenges or other kind of issues," Day explained. "It allows them to downsize what might have been a larger home."

Students are already constructing parts of the dwellings in the lab. Now they are waiting for city approval to subdivide some key Omaha lots and erect the homes.

Support for this reporting was provided by Lumina Foundation.


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The number of Colorado families experiencing homelessness rose by 134%, from 3,600 in 2023 to more than 8,500 families in 2024, according to new federal data.

Rep. Manny Rutinel, D-Commerce City, said addressing homelessness will be a priority in the legislative session kicking off on Wednesday. He plans to introduce a bill to strengthen the state's support infrastructure, in part by creating special regional homelessness response districts.

"So that localities -- municipalities, counties -- can build up resources and pool them together with other counties and municipalities," Rutinel explained. "So that they can take on this really important issue head on, together."

The annual point-in-time count conducted by the U.S. Department of Housing and Urban Development found 18,715 Coloradans were homeless, a 30% increase from 2023. Rutinel believes better coordination between state agencies, local governments and nonprofits can both prevent and reduce homelessness.

Cathy Alderman, chief communications and public policy officer for the Colorado Coalition for the Homeless, said it is important for multiple sectors touching the lives of people experiencing homelessness, including education, social services, transportation and health care, to lean into the challenge. For example, when people have access to health care, they're more likely to have stable housing, and a person's housing situation also affects their health.

"We often find that building that relationship with somebody who is living outside through the provision of health care means that we can get them on a pathway to housing," Alderman pointed out.

There are currently 28 housing units sitting vacant for every person experiencing homelessness in the U.S., according to a recent report, largely because developers make bigger profits building what are essentially tax-haven investments for hedge funds and the wealthy.

Rutinel stressed for most Coloradans living paycheck to paycheck, the risk of experiencing homelessness is very real.

"Unfortunately, if you don't have the resources saved up to be able to get yourself through a tough time or you don't have the family or friend infrastructure in place to house you in those moments, you end up on the streets," Rutinel observed.