Accessible and Affordable HUD Housing

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Accessible and Affordable HUD Housing

• Karia Lee Basta
• Housing Director
• Dept. of Mental Health
• [phone]
• karia.basta_at_dmh.mo.gov

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How do I find affordable housing? What is
available? Whats an FMR? How can I help my
client find housing?Buying a house seems so
complicated.How can I possibly own my own
home?How can I get a new roof?
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• These are common questions asked by lots of
  people.
• I hope to answer a few of them for you today.

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Housing Terms

• Like any specialty area, housing has its own
  vocabulary
• Knowing the vocabulary can assist in the process
  of locating affordable housing
• Knowing the vocabulary can help in asking
  questions
• Knowing the vocabulary can help with
  understanding the answers
• See glossary in back of Housing Booklet

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Standard Terms

• PHA Public Housing Authority/Agency- Any state
  or local government entity or its agency which is
  authorized to engage in or assist the development
  or operation of low-income housing. Public
  Housing projects are owned by PHAs, but supported
  through funding from the federal government
  (HUD).
• FMR Fair Market Rent the level at which a
  program will subsidize a certain size unit and
  this rate includes utilities
• Utility Allowance the amount that has been
  figured by the local Public Housing authority as
  a reasonable amount of utility for the type of
  appliances, heat and A/C in a home/unit

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Standard Terms cont.

• Housing Quality Standards (HQS) This refers
  to the rules used when inspecting a rental unit
  to determine if the housing is safe, decent and
  sanitary.
• Mortgage - means the deed of trust securing the
  related Mortgage Loan and encumbering a
  Residence.
• First Time Homebuyer- means an individual who has
  not had a present ownership interest in his or
  her principal residence at any time during the
  three (3) year period ending on the date he or
  she executes the Mortgage Loan.

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What is affordable housing?

• The generally accepted definition of
  affordability is for a household to pay no more
  than 30 percent of its annual income on housing.
• An estimated 12 million renter and homeowner
  households now pay more than 50 percent of their
  annual incomes for housing.

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WHAT IS AVAILABLE?

• -HUD has numerous programs mortgage, grant,
  assistance and regulatory programs (110 in all)
• -HUD programs range from emergency shelter to
  homeownership, from community planning and
  development to fair housing and equal opportunity

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HUD PROGRAMS

• Section 8 now known as the Section 8 Housing
  Choice Voucher (HCV) program
• Permanent housing
• Subsidy is with the person, who then chooses an
  unit in the private market
• People pay 30-40 of their adjusted gross income
  and the Public Housing Authority (PHA) pays the
  remainder
• Rent is based on Fair Market Rents for an area
  and include utility allowances
• PHAs may establish local preferences for
  selecting applicants from its wait list

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Recent Ruling

• HUD recently passed a rule barring college
  students from receiving Section 8 vouchers.
• However
• H.R. 5117 would exempt people with disabilities
  from the HUD rule barring college students from
  receiving Section 8 vouchers.

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HUD programs cont.

• Project Based Public Housing
• Permanent housing
• Rental assistance for eligible families who live
  in specific housing developments
• Subsidy is with the address, not the person
• People pay 30 of their adjusted gross income for
  rent

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HUD Programs cont.

• Supportive Housing for Persons with Disabilities
  (Section 811)
• Permanent housing
• For persons with disabilities (least one member
  of the family must be 18 years old or older)
• To live as independently as possible in the
  community
• With the availability of supportive services.

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Section 811 in Missouri

• There are several all over the state, urban and
  rural. Usually 10-18 units in size.
• Most are owned by a service provider
• Ray County Board of Developmental Disabilities
• Greene County - Burrell
• Newton County Ozark Center
• Jackson County Community Housing Network,
  Concerned Care, Inc.
• St. Louis City and County Doorways
• Calloway County Crown Corporation
• Cole County New Horizons

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HUD programs cont

• Section 8 Mainstream Vouchers
• Permanent Housing Subsidy
• For persons with disabilities
• To live as independently as possible in the
  community
• Administered by PHAs

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Section 8 Mainstream cont

• PHAs numbers of vouchers
• Kansas City
• Community Housing Network 75
• Kansas City HA 300
• St. Louis
• St. Louis County HA - 100
• Franklin County PHA 46
• Lincoln County PHA 100
• Ripley County PHA - 50

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HUD Programs cont.

• Shelter Plus Care
• Permanent housing
• with supportive services
• for people experiencing homelessness who also
  have disabilities and their families.
• Targeted disabilities are
• serious mental illness
• chronic problems with alcohol, drugs or both
• acquired immunodeficiency syndrome (AIDS) or
  related diseases.
• The program provides rental assistance for a
  variety of housing choices, accompanied by a
  range of supportive services funded by other
  sources.

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Homeownership

• Figure out how much you can afford
• Know your rights
• Shop for a loan
• Learn about homebuying programs
• Shop for a home
• Make an offer
• Get a home inspection
• Shop for homeowners insurance
• Sign papers

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Homeownership Cont.

• Homeownership Voucher Assistance
• A public housing agency (PHA), at its option, may
  provide monthly assistance to families that have
  been admitted to the Section 8 Housing Choice
  Voucher program in accordance with HUD
  regulations, that meet certain criteria, and that
  are purchasing homes in an amount that would
  otherwise have been provided to that family as
  tenant-based voucher assistance.

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Homeownership Cont.

• First Place Loan Program American
• Provides below-market interest rates and cash
  assistance for down payment/closing costs.
• American Dream Downpayment Initiative (ADDI)
• Rural areas only
• 6 grants available to qualifying homebuyers for
  down payment or closing costs through non-profit
  agencies in many communities in Missouri.
• Missouri Housing Development Commission handles
  these programs and has much more info
• www.mhdc.com
• KC [phone] STL [phone]

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HOME REPAIR

• Community Action Agencies Weatherization, some
  home repair asst.
• Central Mo. CAA, DAEOC, EMAA, ESC, Green Hill
  CAA, NECAC, OAI, OACAC, WCMCAA
• Regional Planning Commissions some administer
  home repair asst. programs
• Meremac Regional Planning Comm. St. James
• Habitat for Humanity build and rehab through
  volunteer labor
• USDA Rural Development www.usda.gov loans and
  grants in rural areas
• Veteran Affairs loans and grants to veterans to
  adapt a dwelling

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• A house is a home when it shelters the body and
  comforts the soul. Phillip Moffitt
• The most important work you and I will ever do
  will be within the wall of our own
  homes. Harold B. Lee