State and local housing authorities and local non-profit housing services can help you find affordable housing options. These organizations have a local, community-oriented mandate, so their specific programs will vary based on where you are in the country. They might target a particular city, state or neighborhood. Often, they offer help only to low- or moderate-income individuals and families. Their services might include low-interest loans, broker services to help you find affordable housing locations, or financial counseling to help you with budgeting [source: Los Angeles Neighborhood Housing Services]. But, just like the Section 8 low-income housing program, there can be long waiting lists for many of these groups' programs, especially the ones that provide direct financial help [source: Atlanta Housing Authority].