The RSH Webinar: Aging In Place will begin shortly
|
|
- Horace William Beasley
- 3 years ago
- Views:
From this document you will learn the answers to the following questions:
What does the Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Eligibility depend on?
What can be used to repay Section 504?
What section of the Housing Repair program provides loans and grants to very low income homeowners?
Transcription
1 Welcome!! The RSH will begin shortly This will be a muted call, please submit your questions via the Q&A feature. (please do not use chat) Housing Assistance Council Webinar Aging In Place: Home Repair for Rural Seniors 1
2 Housing Assistance Council USDA Rural Development s Section 504 Housing Repair Loans and Grants Presenter: Michael Feinberg, Research Associate, Housing Assistance Council 2
3 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Purpose: This Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards. Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Funds may not be used to: Assist in construction of a new dwelling Pay for off-site improvements Refinance debt Purchase/install appliances Site preparation or landscaping (some examples, this is not an exhaustive list) 3
4 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Repairs to Manufactured Homes: Applicant must already own and occupy home and site Repairs are needed to remove health or safety hazards Home must be on a permanent foundation (when work is complete) Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Eligibility: Homeowner-occupants must be unable to obtain affordable credit elsewhere and must have very low incomes, (at or below 50 percent of area median income). Repairs and improvements must make the dwelling more safe and sanitary or remove health and safety hazards or make the home accessible. 4
5 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Eligibility: Grants are limited to homeowners who are: 62 years old or older, and Cannot repay a Section 504 loan. Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Terms: Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. 5
6 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Terms: A grant/loan combination is made if the applicant can repay part of the assistance package. Loans and grants can be combined for up to $27,500 in Section 504 assistance. Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Terms: Grants must be repaid if the property is sold in less than three years. Repairs financed with grant funds must result in the removal of health and safety hazards. 6
7 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Security: Loans $7,500 or more secured by real estate Smaller loans secured by promissory note Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Property Requirements: Must be considered modest for the area. Must not have an in-ground pool. Must not have a value in excess of the area loan limit. 7
8 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Standards: Repaired properties need not meet RHS code requirements, but water and waste systems and related fixtures must meet local health department requirements. Water supply and sewage disposal systems should meet RHS requirements. Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Standards: Major health and safety hazards must be corrected. All work performed must meet local codes and standards. 8
9 Section 504 Rural Housing Repair and Rehabilitation Loans and Grants Security Requirements: Loans of $7,500 or more require a mortgage. Program Funding USDA Rural Development. Program (millions of dollars) 504 VLI Repair Loans FY11 Final Approp. FY12 Final Approp. FY13 Final Approp. FY14 Admin. Budget FY14 House Bill $23.4 $10 $ 28 $26.3 $ VLI Repair Grants $34 $29.5 $29.5 $25 $18.6 9
10 10
11 RD Funding Cycles Fiscal year starts October first of each year and ends September 30th of the next year. Funding allocated by formula and distributed to each State on a quarterly basis. Many States hold funds in the State Office and the Area Offices must request funds. Maintain a close relationship with your Area Office to determine when funds are available and the kind of funds that are available. Pooling of Funds Unobligated funds are pooled and redistributed by National Office. Usually occurs in mid July/August. Applications may be selected for processing based on date completed and on processing priority, in the event there is a waiting list at the local office. 11
12 Program Regulations and Guidance Regulations for all USDA/RD single family housing programs, including Section 502 direct loans, are compiled in 7 CFR Part Two handbooks provide details and instructions about the various aspects of the 502 program. HB covers tasks undertaken by RD field offices. HB explains the work of the agency s centralized servicing center. Finding A Local Office USDA s Office Locator Web Site: Check in the white pages in your local phone book under USDA/Rural Development Call Rural Development s Public Information line to be connected to the State Office servicing your area
13 Click on By City Enter the city name and select the State where the home to be repaired is located. 13
14 Locate the Rural Development office Application Forms USDA E-Forms Website Form RD 410-4, Uniform Residential Loan Application efileservices/eforms/rd410-4.pdf Form RD , Authorization to Release Information efileservices/eforms/rd pdf 14
15 15
16 Rural Development Service Area & Eligibility Information Rural Housing Repair and Rehabilitation Loan and Grant program serves eligible rural areas. Service area, income and property eligibility can be determined by contacting the local RD Service Center or online at 16
17 For additional information from USDA To locate the Rural Development State Office for your state: or by telephone at USDA Rural Development Website: Early County Community Development Corporation (ECCDC) P. O. Box S Main Street Blakely, GA Phone Fax earlycocdc06@windstream.net Nancy Wright, Executive Director 17
18 ECCDC Organizational Background The Organization Community Overview Mission Programs/Services ECCDC is located in Early County. Early County is one of the poorest counties in the State of Georgia. Total Population of 11,008 of which a total of 2,193 (19.9%) are Seniors over 62 years old or older. Of the 2,899 owner-occupied housing units in Early County, 984 of the homeowners are 65 years or older, and of the 1,329 renteroccupied housing units 232 residents are 65 years or older. 28.9% of individuals in Early County are below the Poverty Level* 13% of Georgia is below the Poverty Level 12.4% of the US is below the Poverty Level *Low-income families are unable to acquire and/or maintain safe, decent, affordable housing. 18
19 ECCDC s Mission Provide community based, economic development to empower very low-income people to earn more money, own homes, acquire better health care, better jobs, and improved education. SELF-SUFFICIENCY Housing Counseling Program ECCDC s HUD Approved Housing Counseling Agency provides counseling services that enable clients to make informed and reasonable decisions to achieve their goals by meeting their housing needs or resolving their housing problems by using all available resources. 19
20 Early County Community Development Corporation Services Provided Pre/Post Purchase Counseling Homebuyer Education Training/Certification Fair Housing Predatory Lending Foreclosure Intervention Counseling Financial Literacy Training, budgeting, and debt management Credit Counseling Mortgage Default/Loss Mitigation Home Improvement Rental Counseling Services for the Homeless Senior Housing Program Objective: Expand and maintain programs where clients can seek advice, training, counseling, and referrals for resources to help them purchase, rent or remain in their current homes. 20
21 Barriers to Seniors Aging in Place Caregivers Lack of Services Loneliness Housing Acquiring and maintaining safe, decent, and affordable housing Knowledge about housing assistance programs Home Repairs/Renovations Design and Construction Acquiring and maintaining safe, decent affordable housing To address these barriers ECCDC offers: Financial Literacy Classes Pre-purchase one-on-one counseling Homebuyers workshops Rental Assistance Homeowner Services Maintenance and Repairs Mortgage Default Counseling Predatory Lending How to Identify and Prevent Homeowner s Scam 21
22 Financial Literacy Class ECCDC s staff travel to rural Georgia cities educating senior citizens about senior scams and ways they can manage and make better use of the income they have. USDA Section 504 Loan/Grant Program The objective of the Section 504 loan/grant program is to help very low-income owner occupants of modest single family homes in rural areas repair those homes. Loan funds are available for repairs to improve or modernize a home, make it safer or more sanitary, or remove health and safety hazards. For homeowners 62 and over who cannot repay a loan, grant funds are available to remove health or safety hazards, or remodel dwellings to make them accessible to household members with disabilities. 22
23 Provide knowledge about housing assistance programs. 1. Advertise in the local newspaper, churches, other non-profits, etc. concerning available resources. 2. Provide assistance with the USDA 504 Loan/Grant Application Completion of application Gather required information Determine eligibility & need Submission of application Help to resolve follow-up issues with USDA 3. Referrals to other agencies Sometimes when I am entering my bathroom I am afraid I will fall thru the floor. Handicap Accessibility Front Porch Hallway Bathroom: The floor is very weak. 23
24 Handicap Accessibility Windows and Wiring 24
25 Housing Needs Handicap Accessibility Septic System Wiring Bathroom I need repairs done to my home but I am not financially able to make them myself. Bathroom Repairs Windows 25
26 Windows and Bathroom Many elderly homeowners in Early County, GA have very low incomes or no income and they cannot afford to make needed repairs to their homes. I am in a wheelchair with 3 different types of arthritis and if my bathroom is handicap accessible it will allow me to enter with ease and it will be more comfortable. Handicap Accessibility The wiring has not had any work done on it during the past 17 years. The back door is not in good shape and it causes it to stay cold in the house during the winter. 26
27 We have arthritis and the toilet is so low that we have to grab the door sometimes to keep from falling on the floor. Bathroom Repairs: They have not had any repairs or remodeling since
28 I wish to have heating and cooling. Heating and Cooling Bathroom Repairs Kitchen Floor 28
29 My tub never stops leaking water from the faucet. Roofing Heating and Cooling 29
30 Roof Repair Home Repairs and Renovation Assist with the construction/renovation process Bid review Contractor Selection Monitor the renovation process Assist in the grant/loan closing process 30
31 I thank God that I was able to get my heating & cooling and my bathroom repaired! Renovated Bathroom 31
32 Design & Construction Homeowner will most likely need to modify their house as they mature to increase access, maneuverability and safety. The modifications range from the installation of bath and shower grab bars, to adjusting countertop heights, increasing doors and hallway size for accessibility.. Other common modifications include installing ramps and grab bars. Program Overview ECCDC has assisted in completing more than 75 USDA 504 loan/grant applications for seniors in Early and surrounding counties. More than 20 homes have been repaired and USDA has a waiting list with more than 30 applicants. Type of Repairs Completed Heating & Coolings Systems Roof Replacement/Repair Wiring Bathroom Repairs 32
33 Aging in Place: Home Repair for Aging Seniors Maine Keeping Seniors Home A Statewide Program for Low Income Seniors Presenter: Janice E. Daku, CCAP, NCRT The Need in Maine People 65+ in Maine will more than double by Every day an elder remains at home, tax dollars are saved ($140/day per person). One of every 5 elders 70+ are nursing home eligible. 80% of Maine elders own their home 56% rural areas. One-third have incomes below 50% of median. Energy assistance and home repairs are the two greatest needs for low-income elder homeowners. 8.5% of Maine elders live in poverty. Source: MaineHousing and Maine Office of Elder Services Data 33
34 Maine Keeping Seniors Home (KSH) WMCA contracts with 10 community action agencies Program focus: low-income elder-owned homes All 10 CAAs connected through regular KSH training Maine CAAs report performance data quarterly Goal: Maintain low-income elder independence Original Core Services Home safety assessments Home repairs/accessibility modifications Home rehabilitation plans Leveraged home investments Connections to additional resources based on need 34
35 Additional Services After 2008 Comprehensive energy audits Energy conservation recommendations Work with homeowner to implement energy conservation measures Falls Risk Safety Assessments/Education A Few KSH Outcomes Since ,286 low-income elder homeowners served 1,325 home modifications made for accessibility 903 energy conservation measures installed Over $11.3 million in leveraged home investments statewide More than 617 community partnerships created at the local level with elder service providers. 35
36 A Project in Remote, Rural Maine 36
37 Past and Present Funding USDA Rural Community Development Initiative Enterprise Community Partners John T. Gorman Foundation The Betterment Fund NCRC National Neighbors Silver United Way of the Tri Valley Area Franklin County Commissioners Maine State AARP Maine State CSBG Discretionary Past and Present Funding Efficiency Maine Trust Sandy River Charitable Trust DHHS Weatherization DOE Weatherization USDA Housing Preservation Grants USDA Section 504 Grants Elderly Hardship Grants (MaineHousing) Home Repair Grants Department of Economic & Community Development 37
38 Multi-Family Housing: Seniors Solar Panel Domestic Hot Water 38
39 Before and After Homeowner Sweat Equity. 39
40 Home Replacement Janice E. Daku: or WMCA, P O Box 200, East Wilton, ME
41 Housing Assistance Council Webinar Aging In Place: Home Repair for Rural Seniors Thank You for attending this webinar! Questions? Presenters Janice Daku, Western Maine Community Action: Maine Keeping Seniors Home A Statewide Program for Low Income Seniors Michael Feinberg, Housing Assistance Council: USDA Rural Development s Section 504 Housing Repair Loans and Grants Nancy Wright, Early County Community Development Corporation (ECCDC): Early County USDA RD Section 504 Counseling Program 41
USDA RD Section 502/504 Programs
USDA RD Section 502/504 Programs Welcome to HAC s webcast! The webcast, sound, and recording will begin at 2:00 pm EST. Due to the number of participants, questions can only be accepted via the internet.
More informationSTARK County Level Programs
STARK County Level Programs Emergency Grant/Loan Program Stark County Regional Planning Commission Provides one-time only emergency funding for homeowners that are experiencing a problem with their home
More informationHousing Assistance Opportunities for Duluth Residents October 15, 2010
Housing Assistance Opportunities for Duluth Residents October 15, 2010 City of Duluth Building Safety City of Duluth Community Development City Hall Room 210, Duluth, MN 55802 City Hall Room 407, Duluth,
More informationWeatherization & Home Repair Programs Benefits and Standards of Eligibility
Weatherization & Home Repair Programs s and Standards of Binghamton, NY 13902-1766 Phone (607) 778-2411, Fax (607) 778-2316 E-mail: ofa@co.broome.ny.us www.gobroomecounty.com/senior Updated: July 2015
More informationELDER MINOR HOME REPAIR PROGRAM POLICY
Elder Minor Home Repair Program ELDER MINOR HOME REPAIR PROGRAM POLICY Purpose: It is the Colville Indian Housing Authority s goal to provide elders with assistance to make their permanent residence as
More informationCITY OF SANTA MONICA RESIDENTIAL REHABILITATION PROGRAM GUIDELINES
CITY OF SANTA MONICA RESIDENTIAL REHABILITATION PROGRAM GUIDELINES Proposed June 2014 TABLE OF CONTENTS Page l. MULTIFAMILY REHABILITATION... 1 II. OWNER-OCCUPIED REHABILITATION... 2 III. ELIGIBLE REPAIRS/IMPROVEMENTS...
More informationAffordable Housing Partnership Housing Counseling Program
Affordable Housing Partnership Housing Counseling Program ORGANIZATION AND STAFF INFORMATION Name of Organization: Affordable Housing Partnership of the Capital Region Inc. 255 Orange Street Albany, New
More informationHOUSING. Community Housing Development Organizations (CHDOs) Apartment Living
HOUSING City Home Repair Programs Emergency Repair and Weatherization Programs Cowtown Brush Up Lead Hazard Control Program Model Blocks Home Improvement Loans Housing Trust Fund (HTF) Community Housing
More informationFinancing Options to support Energy Efficiency & Contractors
Financing Options to support Energy Efficiency & Contractors Renovation Loan Overview Renovation Loans offer a buyer the opportunity to buy a property and close as-is, financing both the purchase and repair
More informationDutchess County Housing Resource Guide
Dutchess County Housing Resource Guide This guide highlights housing resources available to individuals including Home Repairs, Renovations, Home Buying, Homelessness, Rental Assistance, and Foreclosure
More informationCITY OF WINTER PARK SENIOR AND DISABLED PERSONS HOUSING REHABILITATION GRANT PROGRAM
CITY OF WINTER PARK SENIOR AND DISABLED PERSONS HOUSING REHABILITATION GRANT PROGRAM Funded by a Community Redevelopment Block Grant from Orange County, the City of Winter Park has developed a housing
More informationCITY OF BAY VILLAGE DEPARTMENT OF COMMUNITY SERVICES DOWN PAYMENT ASSISTANCE PROGRAMS
CITY OF BAY VILLAGE DEPARTMENT OF COMMUNITY SERVICES DOWN PAYMENT ASSISTANCE PROGRAMS Cuyahoga County Loan and Grant Programs for Residents For application forms or more information on the programs below,
More informationSouthborough Housing Opportunity Partnership Committee (SHOPC) Town of Southborough 17 Common Street Southborough, Massachusetts, 01772
Southborough Housing Opportunity Partnership Committee (SHOPC) Town of Southborough 17 Common Street Southborough, Massachusetts, 01772 Telephone (508-0710 ext. 3027 Jennifer Burney, Town Planner jburney@southboroughma.com
More informationCity of Austin programs for. Healthy Homes and Financial Empowerment. We Can Help! Providing Opportunities, Changing Lives
City of Austin programs for Healthy Homes and Financial Empowerment We Can Help! Providing Opportunities, Changing Lives Neighborhood Housing and Community Development Office The City of Austin has several
More informationSection V - CONSOLIDATED PLAN AND NEIGHBORHOOD REVITALIZATION
Section V - CONSOLIDATED PLAN AND NEIGHBORHOOD REVITALIZATION Affordable Housing Needs The housing crisis, downturn in the economy, high unemployment and subsequent recession of 2009-10 are having an impact
More informationMUNICIPAL HOUSING REHABILITATION PROGRAM HANDBOOK
MUNICIPAL HOUSING REHABILITATION PROGRAM HANDBOOK For further information or inquiries please write or call your municipality s Small Cities Consultants: Lisa Low & Associates 293 Riggs Street Oxford,
More information5. CONSERVATION OF AFFORDABLE UNITS
5. CONSERVATION OF AFFORDABLE UNITS The analysis of the Conservation of Affordable Units section relied primarily on data from the San Benito County Housing and Economic Development Department, San Benito
More informationCITY OF TEMPE COMMUNITY DEVELOPMENT DEPARTMENT HOUSING SERVICES DIVISION www.tempe.gov
CITY OF TEMPE COMMUNITY DEVELOPMENT DEPARTMENT AFFORDABLE HOUSING STRATEGY DOCUMENT 1 CITY OF TEMPE COMMUNITY DEVELOPMENT DEPARTMENT HOUSING SERVICES DIVISION www.tempe.gov P.O. BOX 5002 21 E. Sixth Street,
More information(date) New Form HUD-9902 Audio only available via conference call. To join: Call: (866) 615-1888 Participant Access Code: 335203 September 16, 2014
(date) New Form HUD-9902 Audio only available via conference call. To join: Call: (866) 615-1888 Participant Access Code: 335203 September 16, 2014 Webinar Logistics: Audio is being recorded. It will be
More informationOffice of Community Planning and Development
RELOCATION ASSISTANCE TO DISPLACED HOMEOWNER OCCUPANTS www.hud.gov/relocation U. S. Department of Housing and Urban Development Office of Community Planning and Development Introduction This booklet describes
More informationHAC. Resource Guide USDA RURAL HOUSING SERVICE S SECTION 504 REPAIR AND REHABILATION PROGRAM A GUIDE FOR LOAN AND GRANT APPLICANTS
USDA RURAL HOUSING SERVICE S SECTION 504 REPAIR AND REHABILATION PROGRAM A GUIDE FOR LOAN AND GRANT APPLICANTS HAC Resource Guide Through the Section 504 loan and grant program, the federal Rural Housing
More informationFederal Housing Assistance Programs
National Coalition for the Homeless 2201 P Street, NW Tel. 202-462-4822 Washington, DC 20037-1033 Fax. 202-462-4823 http://www.nationalhomeless.org Email. info@nationalhomeless.org Federal Housing Assistance
More informationOFFICE OF HOUSING AND COMMUNITY DEVELOPMENT POLICY GUIDELINES FOR OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM
OFFICE OF HOUSING AND COMMUNITY DEVELOPMENT POLICY GUIDELINES FOR OWNER-OCCUPIED HOUSING REHABILITATION PROGRAM The Owner-Occupied Housing Rehabilitation Program consists of four distinct programs. These
More informationFY15 REGIONAL CDBG HOUSING REHABILITATION GRANT
Creating opportunities for people to live, work, & thrive on the Lower Cape FY15 REGIONAL CDBG HOUSING REHABILITATION GRANT Serving year-round low-moderate income residents of Dennis, Harwich Eastham,
More informationResidential Rehabilitation Loan Program Guidelines
Residential Rehabilitation Loan Program Guidelines City of Middletown Department of Planning, Conservation and Development Community Development Division February 1999 Table of Contents Purpose 1 General
More informationApplication For Housing Rehabilitation Assistance Stellar Communities Program
Application For Housing Rehabilitation Assistance Stellar Communities Program Forgivable Loans Northeast Indiana Housing Partnership, Inc. 217 Fairview Boulevard Kendallville, IN 46755 (260) 347-4714 (260)
More informationFederal Housing Assistance Programs
National Coalition for the Homeless 2201 P. St. NW Washington, DC 20037 Phone: (202) 462-4822 Fax: (202) 462-4823 Email: info@nationalhomeless.org Website: http://www.nationalhomeless.org Federal Housing
More informationSHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP)
CITY OF OCALA SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) FISCAL YEARS COVERED 2013/2014, 2014/2015 AND 2015/2016-1 - Table of Contents Title Page #. Section I. Program Description: 3 Section II. Strategies:
More informationCity of North Miami NSP 3 Substantial Amendment
City of North Miami NSP 3 Substantial Amendment 1. NSP3 Grantee Information NSP3 Program Administrator Contact Information Name (Last, First) Calloway, Maxine Email Address mcalloway@northmiamifl.gov Phone
More informationMEMORANDUM. Select Committee on Children and Other Issues. From: Brackett Smith. Date: 7/22/13. Issue of Affordable Housing in West Virginia
MEMORANDUM To: Select Committee on Children and Other Issues From: Brackett Smith Date: 7/22/13 Re: Issue of Affordable Housing in West Virginia I. Introduction Adequate affordable housing is a problem
More informationUSDA Rural Development An Online Conversation with the Central Appalachian Network
An Online Conversation with the Central Appalachian Network Presented By: Lisa Sharp Rural Business-Cooperative Program Director/ Rural Development Coordinator June 22, 2012 Agenda for Today s Webinar
More informationHousing Rehabilitation Program Guidelines for FY2013
Housing Rehabilitation Program Guidelines for FY2013 Program Overview & Priorities: The Housing Rehabilitation Program is a collaborative program of HECH and the CDP and is funded through an annual Community
More informationPublic Housing ASSISTANCE PROGRAMS
HOUSING ASSISTANCE Breakfast program receive the severe need subsidy. Reimbursement payments for all meals are higher in Alaska and Hawaii. Schools may charge no more than 30 cents for a reducedprice breakfast.
More informationCOEUR D ALENE TRIBAL HOUSING AUTHORITY HOUSING REHABILITATION POLICY (CDTHA REHAB)
COEUR D ALENE TRIBAL HOUSING AUTHORITY HOUSING REHABILITATION POLICY (CDTHA REHAB) Adopted by the Housing Board May 25, 2005 CDTHA HOUSING REHAB POLICY Programs Available... 3 Reconstruction... 3 Relocation/Displacement...
More informationPROGRAM DESCRIPTION FY 2007 ANNUAL PROGRAM PERFORMANCE MEASURES. APPROPRIATION UNIT: Michigan State Housing Development Authority Date:02/12/08
PROGRAM DESCRIPTION FY 2007 ANNUAL PROGRAM PERFORMANCE MEASURES DEPARTMENT: Michigan Department of Labor & Economic Growth APPROPRIATION UNIT: Michigan State Housing Development Authority Date:02/12/08
More informationAPPENDIX D: HOUSING PROGRAM DIRECTORY
APPENDIX D: HOUSING PROGRAM DIRECTORY Table D-1 Housing Rehabilitation Programs 1. HOME MAINTENANCE AND IMPROVEMENT PROGRAM (HMIP) To provide loans to correct health and safety violations, abate code deficiencies
More informationCritical Home Repair Application Process
Critical Home Repair Application Process The Critical Home Repair (CHR) Program is a home preservation program that provides needed interior and exterior repairs for low-income homeowners, so that they
More informationSECTION 1 - Homeowner Information
For Office Use Only Mail completed form to: North Shore Habitat for Humanity: A Brush With Kindness 215 Maple Street Lynn, MA 01904 Date Received Date to Board: Board Approval: A Brush With Kindness is
More informationWeatherization & Home Repair Programs Benefits and Standards of Eligibility
Weatherization & Home Repair Programs s and Standards of Binghamton, NY 13902-1766 Phone (607) 778-2411, Fax (607) 778-2316 e-mail: ofa@co.broome.ny.us www.gobroomecounty.com/senior Updated: January 2015
More informationPRIVATE SECTOR HOUSING RENEWAL POLICY
Background and Local Context PRIVATE SECTOR HOUSING RENEWAL POLICY This Policy is published in response to the New Regulatory Reform Order 2002. The overall picture presented by Woking Borough Council
More informationMANUFACTURED HOME REPAIR LOAN PROGRAM
MANUFACTURED HOME REPAIR LOAN PROGRAM The Habitat for Humanity of Greater Los Angeles (Habitat LA) Manufactured Home Repair Loan Program helps low-income manufactured homeowners make needed home repairs.
More informationCDP HOUSING REHAB LOAN PROGRAM
Promoting a vibrant and diverse community on Lower Cape Cod CDP HOUSING REHAB LOAN PROGRAM Funded through the Wellfleet Regional Housing Rehabilitation Program serving year-round LMI (low-moderate income)
More informationFHA Streamline 203(k)
Financing Provided by: Family Finance FHA Streamline 203(k) The Answer How many times have your customers said the following: 1. Needs carpet 2. Needs paint 3. Needs a new kitchen 4. Bathroom is ugly 5.
More informationCITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT DEPARTMENT
CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT DEPARTMENT HOMEOWNER REHAB LOAN PROGRAM FOR ELIGIBLE RESIDENTS CITY WIDE Are You Having Problems with Your Plumbing? Do You Need a New Roof? Are Your Windows
More informationHOMEOWNER REHABILITATION
Department of Community Development P.O. Box 550 Brunswick, GA 31521 (912)267 5530 www.brunswick ga.gov HOMEOWNER REHABILITATION ASSISTANCE PROGRAM (CHIP) Community HOME Investment Program The intent of
More informationRELOCATION ASSISTANCE TO TENANTS DISPLACED FROM THEIR HOMES
U.S. Department of Housing and Urban Development Office of Community Planning and Development RELOCATION ASSISTANCE TO TENANTS DISPLACED FROM THEIR HOMES Introduction This booklet describes the relocation
More informationAFFORDABLE HOUSNG RESOURCE GUIDE A DIRECTORY OF AFFORDABLE HOUSING RESOURCES FOR THE COLORADO SPRINGS AREA
AFFORDABLE HOUSNG RESOURCE GUIDE A DIRECTORY OF AFFORDABLE HOUSING RESOURCES FOR THE COLORADO SPRINGS AREA AFFORDABLE HOUSING RESOURCE GUIDE A Directory of Affordable Housing Resources for the Colorado
More informationJanuary 1, 2015 thru March 31, 2015 Performance Report
Grantee: Grant: Contra Costa County, CA B-11-UN-06-0002 January 1, 2015 thru March 31, 2015 Performance Report 1 Grant Number: B-11-UN-06-0002 Grantee Name: Contra Costa County, CA Grant Award Amount:
More informationFederal Home Loan Bank of Cincinnati Affordable Housing Program
Federal Home Loan Bank of Cincinnati Affordable Housing Program Damon V. Allen, Presenter 2014 National Community Land Trust Conference This presentation may contain forward-looking statements that are
More information203K Streamline. Help qualified borrowers purchase or refinance AND renovate..with a single loan!
203K Streamline Help qualified borrowers purchase or refinance AND renovate..with a single loan! Why FHA 203K Streamline Offers a solution that helps borrowers obtain financing that covers both the acquisition
More informationBUYER'S DISCLOSURE STATEMENT
BUYER'S DISCLOSURE STATEMENT CITY OF WALNUT CREEK INCLUSIONARY HOUSING PROGRAM ADMINISTRATIVE COVER SHEET (Remove Upon Completion) BLANK LINES: CHECKLIST Eligible Purchaser Income Level, p. 3, Section
More information7.0 GOALS, OBJECTIVES & POLICIES
7.0 GOALS, OBJECTIVES & POLICIES The following Goals, Objectives and Policies specific to Housing are organized into broad categories including: 7.1: Housing Availability 7.2: Protection of Existing Neighborhoods
More informationHousing Counseling Agency Activity Report
Housing Counseling Agency Activity Report U.S. Department of Housing and Urban Development Office of Housing Counseling Federal Housing Commissioner Read the instructions and Public Reporting Statement
More informationMilitary & Veterans Affairs Committee Meeting. August 25, 2014
Military & Veterans Affairs Committee Meeting August 25, 2014 Created: 08/22/2014 TDS Mission Statement Tierra del Sol Housing Corporation is a regional housing and community development corporation whose
More informationFHA 203k Rehab Loans. How to Use a 203k Rehab Loan to Move Your Listings and Put Buyers into Homes!
FHA 203k Rehab Loans How to Use a 203k Rehab Loan to Move Your Listings and Put Buyers into Homes! Today s s Agenda 203k Loan Overview How to Use the Program as a Tool to Market Your Properties How to
More informationTHE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF LOS ANGELES, CALIFORNIA DATE: DECEMBER 16, 2004 C9 2010 ROBERT R. OVROM, CHIEF EXECUTIVE OFFICER
THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF LOS ANGELES, CALIFORNIA REVISED Pg. 3 as underlined and Attachment C as underlined, also deleting #10 & 11 M E M O R A N D U M 17 DATE: DECEMBER 16, 2004
More informationCONVERT-TO-RENT/ REHABILITATION ASSISTANCE PROGRAM (2015)
CONVERT-TO-RENT/ REHABILITATION ASSISTANCE PROGRAM (2015) More affordable rental housing is needed in the City of London. Additional rental housing through conversions contributes to neighbourhood revitalization
More informationRURAL HOUSING SERVICE
For release only by The Committee on Appropriations RURAL HOUSING SERVICE Statement of Tony Hernandez, Administrator Before the Subcommittee on Agriculture, Rural Development, Food and Drug Administration,
More informationMembers of the Joint Legislative Commission on Governmental Operations
January 27, 2015 Members of the Joint Legislative Commission on Governmental Operations Ladies and Gentlemen: This report is being filed on the production activities of the North Carolina Housing Finance
More informationSection F. Financial Alternatives and Supplements to a Reverse Mortgage Overview
Section F. Financial Alternatives and Supplements to a Reverse Mortgage Overview Contents This section contains the following topics: Topic See Page 1. Other Living/Ownership Arrangements 5-F-2 2. Other
More informationVETERANS HOMEOWNERSHIP AND PRESERVATION PROGRAM
SCHEDULE A PROJECT PLAN VETERANS HOMEOWNERSHIP AND PRESERVATION PROGRAM TERMS AND CONDITIONS The Palm Beach County program Terms and Conditions by and between Palm Beach County (also referred to as PBC
More informationUSDA Home Loans. USDA Income Limitations. What is a USDA Home Loan?
USDA Home Loans What is a USDA Home Loan? USDA Home Loans provide up to 100% financing for a home purchase or refinance. These loans are guaranteed by the USDA and are serviced by direct lenders that meet
More informationCITY OF TAMPA, FLORIDA SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) FISCAL YEARS COVERED 2013/2014, 2014/2015 AND 2015/2016 (DRAFT)
CITY OF TAMPA, FLORIDA SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) FISCAL YEARS COVERED 2013/2014, 2014/2015 AND 2015/2016 (DRAFT) Planning and Development Housing and Community Development City Hall 306
More informationRelocation Assistance
Harris County ~ Right of Way Division 10555 Northwest Freeway, Suite 210 Houston, Texas 77092 713-274-3722 Terry.gunn@hcpid.org Relocation Assistance CONTENTS Introduction 3 Qualification for Assistance
More informationWelcome to the world of Renovation loans
Welcome to the world of Renovation loans What is a 203K loan? How can a 203K loan be used? Advantages of 203K loans The process of obtaining a 203K loan Why we are the experts A 203K is FHA s Rehabilitation
More informationAll contents copyright 2009 2011 by 203KMortgageLender.com. All rights reserved. No part of this document or the related files may be republished to
All contents copyright 2009 2011 by 203KMortgageLender.com. All rights reserved. No part of this document or the related files may be republished to any website, blog, ebook etc. without prior wri en permission.
More informationNEIGHBORHOOD HOUSING SERVICES OF CHICAGO INC.
nhs CALL US FIRST! For Home Purchase, Home Improvement and Home Ownership Preservation Loans Purchase or Rehab your home the NHS way With free assistance from a certified Home Ownership Consultant and
More informationReviewed and Approved
Action Plan Grantee: Grant: Hernando County, FL B-11-UN-12-0021 LOCCS Authorized Amount: Grant Award Amount: $ 1,953,975.00 $ 1,953,975.00 Status: Reviewed and Approved Estimated PI/RL Funds: $ 700,000.00
More informationATTACHMENT C FEDERAL, STATE AND LOCAL HOUSING PROGRAMS
ATTACHMENT C FEDERAL, STATE AND LOCAL HOUSING PROGRAMS FEDERAL FUNDING SOURCES There are three ways that the federal Department of Housing and Urban Development (HUD) provides assistance in the development
More information2014 Cleveland Home Repair Loan Programs
2014 Cleveland Home Repair Loan Programs A special guide to programs available to Cleveland residents and investors Includes program information from the City of Cleveland, local nonprofits and local lenders!*
More informationHousing Assistance Council A GUIDE TO FEDERAL HOUSING AND COMMUNITY DEVELOPMENT PROGRAMS FOR SMALL TOWNS AND RURAL AREAS
Housing Assistance Council A GUIDE TO FEDERAL HOUSING AND COMMUNITY DEVELOPMENT PROGRAMS FOR SMALL TOWNS AND RURAL AREAS $7.00 February 2003 Housing Assistance Council 1025 Vermont Avenue, N.W. Suite 606
More information2016 HOME REQUEST FOR PROPOSALS AFFORDABLE HOUSING ACQUISITION AND/OR REHABILITATION or NEW CONSTRUCTION
2016 HOME REQUEST FOR PROPOSALS AFFORDABLE HOUSING ACQUISITION AND/OR REHABILITATION or NEW CONSTRUCTION The Eugene-Springfield HOME Consortium invites proposals from for-profit developers, non-profit
More informationhousing & property rights
section IV housing & property rights Adult Family Care Homes... 56 Affordable Housing... 57 Assisted Living Facilities... 59 Continuing Care Retirement Communities... 60 Energy Assistance Programs... 61
More informationThe City of Kenner Community Development Department
The City of Kenner Community Development Department First Time Homebuyers Training Program Description and Objectives The homebuyer education class explains the home-buying process to prospective homeowners,
More informationPlease contact this office at the numbers listed above should you have any questions about the program, its requirements or procedures.
TOWN OF RIVERHEAD HOUSING PRESERVATION HOME IMPROVEMENT PROGRAM APPLICATION TOWN OF RIVERHEAD COMMUNITY DEVELOPMENT DEPARTMENT 200 Howell Avenue, Riverhead, NY 11901 Tel. (631)727-3200 Ext. 238 Fax (631)
More informationSPECIAL REPORT: How to Use the 203K Loan Program to Profit From the Foreclosure Crisis
SPECIAL REPORT: How to Use the 203K Loan Program to Profit From the Foreclosure Crisis Presented By: RGR Construction, Ltd. 1-877-289-7231 Welcome, and thank you for ordering this report from RGR Construction
More informationGUIDE TO HOMEOWNER RESOURCES
GUIDE TO HOMEOWNER RESOURCES P.O. Box 42752 Philadelphia, PA 19101-2752 Phone: 215.568.5044 HOUSING REPAIRS Philadelphia Housing Development Corp. 1234 Market St., 20th Floor Philadelphia, PA 19107 www.phdchousing.org
More informationMSHDA s Homeownership Counseling Program. Sharon Evans Homeownership Division May 24, 2011
MSHDA s Homeownership Counseling Program Sharon Evans Homeownership Division May 24, 2011 The Homeownership Counseling Program supports the Michigan State Housing Development Authority s (MSHDA) mortgage
More informationWeatherization & Home Repair Programs Benefits and Standards of Eligibility
Weatherization & Home Repair Programs s and Standards of Binghamton, NY 13902-1766 Phone (607) 778-2411, Fax (607) 778-2316 e-mail: ofa@co.broome.ny.us www.gobroomecounty.com/senior Updated: February 2014
More informationDear Homeowner, Enclosed are Guidelines and Application for the Middletown Township Home Improvement Program.
Organized December 14, 1667 Pride in Middletown TOWNSHIP OF MIDDLETOWN Department of Planning and Community Development 3 Penelope Lane Middletown, NJ 07748-2504 Tel: (732) 615-2098 (732) 615-2280 Fax:
More informationAFFORDABLE HOUSING SYMPOSIUM FINANCING JOE DIEGO, FACILITATOR
AFFORDABLE HOUSING SYMPOSIUM FINANCING JOE DIEGO, FACILITATOR FINANCING PANEL: USDA RURAL DEVELOPMENT DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT GUAM HOUSING AND URBAN RENEWAL AUTHORITY GUAM HOUSING CORPORATION
More informationArizona Office of the Attorney General. Mortgage Settlement Assistance Programs
Arizona Office of the Attorney General Mortgage Settlement Assistance Programs The Funds 2 Arizona received $97 million ($50 million swept by the AZ Legislature) in a joint federal-state agreement with
More informationApplication for Citrus County SHIP Funds. Not For Profit Developer Strategy. Fiscal Year 2015-2016
Application for Citrus County SHIP Funds Not For Profit Developer Strategy Fiscal Year 2015-2016 Citrus County Board of County Commissioners Department of Community Services Housing Services Division 2804
More informationRevised September 2014
Revised September 2014 WELCOME TO HOMEOWNERSHIP Post Homeownership Guide A guide for the new home owner W A S H I N G T O N S T A T E H O U S I N G F I N A N C E C O M M I S S I O N S Home Advantage &
More informationSECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited
SECTION 4 REHABILITATION MORTGAGES 203(k) Standard & 203(k) Limited 4.1 Program Descriptions 4.2 Borrower Eligibility 4.3 Property Eligibility 4.4 Principal Residence Requirement 4.5 Rehabilitation Loan
More informationAgencies and Resources
The following local, state and federal agencies administer programs or provide funds for housing programs and projects: Murray County EDA P.O. Box 57 Slayton, MN 56172 Contact: Amy Hoglin, Economic Development
More informationCity of Gainesville Community Development Department Housing Division
City of Gainesville Community Development Department Housing Division DOWNPAYMENT ASSISTANCE PROCEDURES Application Process Applications are mailed to prospective homebuyers in response to telephone requests
More informationPROGRAM DESCRIPTION HOMEOWNER REHABILITATION LOAN FOR INCOME ELIGIBLE CITY OF MOBILE HOMEOWNERS
CITY OF MOBILE COMMUNITY PLANNING & DEVELOPMENT CITYWIDE III HOMEOWNER REHAB PROGRAM HOMEOWNER REHABILITATION LOAN PROGRAM DESCRIPTION FOR INCOME ELIGIBLE CITY OF MOBILE HOMEOWNERS Our Home Rehab Program
More informationSelf-Help Housing Rehabilitation
1 Self-Help Housing Rehabilitation Presented by: Harold Branch and Billie Heath 1 This webinar is brought to you by: Rural Community Assistance Corporation A nonprofit regional training and technical assistance
More informationSingle Family Housing
Section 502/523/504 Programs Home Ownership Programs Section 502 Direct 100% Section 502 Guaranteed 100% Section 523 Self Help Program Home Repair Programs Section 504 Loan/Grant Program Section 502 Direct
More information- 1 - Neighborhood Stabilization Program Information Summary Sheet
- 1 - Neighborhood Stabilization Program Information Summary Sheet Eligible Uses: Purchase and rehab abandoned or foreclosed homes and residential properties. Establishing financing mechanisms for purchase
More informationCHAPTER PURPOSE & CONTENTS. 4.1 Homeowner Rehabilitation
CHAPTER 4: HOUSING ACTIVITIES CHAPTER PURPOSE & CONTENTS This chapter provides detailed information on CDBG eligible homeownership and rental activities, guidance for grantees on documenting national objectives
More informationNUNAVUT HOUSING CORPORATION. Home Repair Program (HRP)
NUNAVUT HOUSING CORPORATION Home Repair (HRP) October 2014 Home Renovation (HRP) Date October 201 TABLE OF CONTENTS OBJECTIVE... 1 SUMMARY... 1 ENABLING LEGISLATION... 1 ELIGIBLE CLIENTS... 1 PRIORITY
More informationFHA-Insured Home Loans: An Overview
Bruce E. Foote Analyst in Housing Policy Katie Jones Analyst in Housing Policy May 26, 2009 Congressional Research Service CRS Report for Congress Prepared for Members and Committees of Congress 7-5700
More informationNAME OF LOCAL GOVERNMENT OSCEOLA COUNTY FLORIDA
NAME OF LOCAL GOVERNMENT OSCEOLA COUNTY FLORIDA SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) FISCAL YEARS COVERED 2013/2014, 2014/2015, 2015/2016 Approved by Osceola County Board of County Commissioners May
More informationPRMI 203K Streamline Loan. FHA Renovation Loan
PRMI 203K Streamline Loan FHA Renovation Loan Put the finishing touches on your borrowers Dream home. Purchase or Refinances Help you to sell more homes, and represent more buyers. Work with contractors
More informationHOUSTON HOUSING AUTHORITY SECTION 8 HOMEOWNERSHIP PROGRAM ADMINISTRATIVE PLAN
HOUSTON HOUSING AUTHORITY SECTION 8 HOMEOWNERSHIP PROGRAM ADMINISTRATIVE PLAN HOUSTON HOUSING AUTHORITY HOUSING CHOICE VOUCHER HOMEOWNERSHIP PROGRAM PROGRAM GUIDE TABLES OF CONTENTS Program Description
More informationSolar barriers to entry for low and middle Income Marylanders: Identifying roadblocks and proposing solutions
Solar barriers to entry for low and middle Income Marylanders: Identifying roadblocks and proposing solutions While Maryland ranks 14 th in the nation is solar capacity installed and the state has established
More informationEconomic Development and Housing Challenge Program
Economic Development and Housing Challenge Program 8/6/2015 Minnesota Housing does not discriminate on the basis of race, color, creed, national origin, sex, religion, marital status, status with regard
More informationIV. HOME NARRATIVES (AP-90)
IV. HOME NARRATIVES (AP-90) A. INTRODUCTION Los Angeles County is an Urban County-participating jurisdiction for HUD s HOME Investment Partnerships (HOME) Program. It receives an annual formula allocation
More information