Housing stabilization program offers low-fee, no interest short-term loans to low-income individuals and families who are at risk of eviction or essential utility disconnection due to a temporary and unexpected shortage of funds. Must be 19 years of age or over and a resident of the North Okanagan. Loans may also be issued for damage deposits, pet deposits, and first month's rent for low-income individuals and families who are moving into a new residence in the region and are unable to meet these expenses. If approved, loan funds are distributed in cheque form and are written directly to the creditor. Loans are repaid in monthly installments and repayment terms range between six months and 24 months. Program includes training and support in financial planning and management. Applicants must complete a pre-assessment form available online, and submit it by email, fax, or in person. Applicants must have a current bank account; have proof of a regular source of verifiable income which is sufficient to cover rent/living expenses; demonstrate the household is within income requirements; not be more than two months in arrears; be a Canadian citizen, landed immigrant, permanent resident, refugee claimant, or temporary foreign worker; have no undischarged bankruptcy; not be able to access any other forms of financial assistance; have two pieces of valid ID, one of which must be government-issued photo ID; and demonstrate that the loan will stabilize their housing situation for 90 plus days. Serves Armstrong, Ashton Creek, Cherryville, Coldstream, Enderby, Grindrod, Lavington, Lumby, Spallumcheen, Vernon, and Electoral areas B to F. Also serves Langley and White Rock. Hours are 8 am to 4 pm Monday to Friday. Funded by the BC Rent Bank.