Revisión de impuestos es un golpe a los esfuerzos de Vivienda Asequible

From The New York Times

SAN FRANCISCO — The last time that Congress approved a sweeping overhaul of the federal tax code, en 1986, it created a tax credit meant to encourage the private sector to invest in affordable housing. It has grown into a $9 billion-a-year social program that has funded the construction of some three million apartments for low-income residents.

But the Republican tax plan approved last month amounts to a vast cutback, making it much less likely that such construction will continue apace. Because the tax rate for corporations has been lowered, the value of the credits — which corporations get in return for their investments — is also lower.

“It’s the greatest shock to the affordable-housing system since the Great Recession,” said Michael Novogradac, managing partner of Novogradac & Empresa, a national accounting firm based in San Francisco.

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Encuesta: Muchos compradores de vivienda por primera vez carecen de conocimientos básicos sobre hipotecas

Desde el Washington Post: 

A pesar de los esfuerzos de los asesores de vivienda, agentes de Bienes Raices, hipotecarias y la Oficina de Protección Financiera al Consumidor (CFPB), muchos estadounidenses carecen de los conocimientos básicos de las hipotecas y el proceso de compra de casa.

Una reciente encuesta realizada porFreeandClear.com, un sitio que ofrece la educación hipoteca, encontrado que 20 por ciento de los prestatarios piensan que es imposible comprar una casa con un pago inicial de menos del 5 por ciento. Sin embargo, el programa de préstamo de la FHA requiere sólo 3.5 por ciento, Los préstamos VA tienen ningún requisito de pago inicial y los préstamos convencionales están disponibles con 3 por ciento menos que las opciones de pago.

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Las familias militares tienen dificultades para encontrar vivienda asequible

 

From HousingWire: Affordability is a problem that plagues homebuyers and renters in most areas of the U.S., but the Military community could be some of the worst hit as home prices continue to increase.

Military families don’t get to choose what city they live in, or when they will move there. As a result, they can’t choose an area that is most affordable and meets their family’s needs.

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NeighborWorks - Primeros compradores de vivienda

7 signs that you’re ready to buy your first home

From MoneyTips: Durante años, que ha estado soñando sobre la compra de su primera casa y ahora usted está debatiendo la toma de medidas. ¿Estás listo para entrar en el mercado de compra de vivienda? Tenga en cuenta estas siete señales antes de dar el paso.

1. Having job security — Mortgage loan approvals require a steady regular income. Is your employment situation secure enough that you can commit to buying a home? Being out of work is bad enough, but being out of work with a brand new mortgage is disastrous.

2. Commitment to the area — Generally, realtors recommend that you plan to stay in a home for a minimum of five to seven years. If your situation is still fluid, buying may not be for you. Buying a home is a long process, and you do not want to have to sell one in a rush soon after a purchase. Most of your payments are going to interest in the early years, por lo que se han construido muy poco capital.

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Los contenedores para transporte podrían albergar a personas sin hogar en Silicon Valley

From USA Today:

A Silicon Valley real estate developer has a new fix for the region’s growing homeless problem: shipping containers.

Billionaire mogul John Sobrato wants to build 200 micro-apartments for the homeless and low-income families on a 2.5-acre plot of city-owned land in Santa Clara, Calif., three miles south of Levi’s Stadium, home to the NFL’s San Francisco 49ers.

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A homeless man sleeps on the street, covered by a large sign advertising a new development proposed for the site of the former Flax Art & Design store. The nine-story building in the Market and Octavia area of central San Francisco will contain about 160 apartments, with 19 of those designated asaffordable.(Photo: Trevor Hughes/USA TODAY)

El dilema Gentrification

Gentrification in America Report

How do you find the right balance between neighborhood improvement, with the accompanying rise in property values, and retention of both lower-income residents and the community’s distinctive culture?

According to one analysis on the Governing website, nearly 20 percent of neighborhoods with lower incomes and home values experienced gentrification since 2000—more than double the rate seen in the 1990s. Rates increased in 39 of the 50 cities reviewed. We share the solutions being developed in two cities on the “front lines” of this issue.

Consejería Nacional de Mitigación de ejecución de una hipoteca

More than two million homeowners helped by the National Foreclosure Mitigation Counseling Program

Washington, D.C. — NeighborWorks America announced that more than 2 million homeowners facing foreclosure have received much-needed counseling thanks to the Congressionally-funded Consejería Nacional de Mitigación de ejecución de una hipoteca (NFMC) Program.

“At a time when the foreclosure crisis has moved from the top of the news, it’s important to remember that tens of thousands of homeowners across the United States of all incomes, but especially low-income, continue to need help preventing foreclosure,” said Nicole Harmon, vice president of the NFMC Program.

Few programs have been shown to be as effective at assisting homeowners as has the NFMC program.Research from the Urban Institute encontrado que:

  • los propietarios de viviendas aconsejado eran casi dos veces más probabilidades de recibir una cura para su morosidad grave o la exclusión como no NFMC aconsejó a los propietarios de viviendas
  • los propietarios de viviendas asesoradas-NFMC ​​que recibieron una modificación habían reducido su pago anual en un promedio de $4,980.
  • un ahorro anual de propietarios de viviendas que han recibido una modificación de la hipoteca con el apoyo NFMC exceda $500 millones de dólares anuales.

Para encontrar un asesor Programa NFMC, visitar www.findaforeclosurecounselor.org.

Semana de Protección al Consumidor

Protecting consumers from scams and fraud

Scams, frauds and shady business practices are on the rise, resulting in more than 3 million people filing complaints with the Federal Trade Commission in 2015. During National Consumer Protection Week, take a look at some of the ways consumers can be educated and kept safe from fraud and deception.

Mayores rurales

Partnership between NeighborWorks America, Wells Fargo makes rural homes ‘safe and sound’

SafeSoundPic-(1)In rural and small town communities across America, rehab and weatherization programs are a critical resource for families struggling to stay in safe, sustainable and affordable homes. Residents are challenged with high rates of single-family homeownership combined with an aging housing stock, relative isolation, lax housing codes and limited access to financing.

Yet despite a high demand for these programs, nonprofits in rural America face overwhelming challenges when trying to run a sustainable rehab line of business. Los altos costos del programa se ven agravadas por la disminución de las fuentes de federal, las fuentes de financiación del estado y del condado y limitadas de mano de obra y materiales de construcción especializados.

Para combatir estos desafíos, NeighborWorks America se asoció con la Fundación Wells Fargo Vivienda para establecer una nueva fuente de financiación para el fortalecimiento de las comunidades rurales. Con $1 millones en subvenciones fungibles, nueve organizaciones NeighborWorks que están activos en el espacio de rehabilitación de las zonas rurales de todo el país están financiando 53 proyectos de rehabilitación de viviendas asequibles que se ajustan a la salud, normas de seguridad y de eficiencia energética, así como sustituciones de 12 casas en ruinas con casas con calificación Energy Star construidos en fábrica.

El equipo rural NeighborWorks visitó recientemente algunas de las organizaciones receptoras sano y salvo. Uno de ellos era Champlain Housing Trust (CHT) en Burlington, Vermont. Como el mayor consorcio de tierras de la comunidad, CHT serves residents living in some of the oldest housing stock in the country. As a result, many of the homes require significant energy-efficiency upgrades and replacement of old, worn-out systems related to air and water temperature and quality. Alarmingly, nearly 60 percent of homes in the area were built when lead paint was prevalent.

“Sometimes people are in really precarious situations,” Cheryl Read told us. “But sometimes we can replace a furnace or a roof and that buys them some time to get their ducks in a row so they can afford a replacement.”

In the case of one home that was considered a historic resource, Read added, “We had to be careful because one of the things that really needed to be repaired was the porch. Nobody knew until the contractor got there that one of the support beams had snapped at some point. It had been that way for a long time. They were so fortunate they got that taken care of because it could’ve been a major issue.”

Another site visited by the team was Self-Help Enterprises in California’s San Joaquin Valley, where we met Salvador and Rita Rodriguez. Both 70 años de edad, the retired homeowners live on a fixed income in a 1,751-square-foot home built in 1935. The roof shingles were leaking, and the exterior siding was cracked and damaged from rot. During the cold valley winters, the temperature would drop below freezing, and the lack of insulation made the nights long and miserable. At the other extreme, the summers are scorching and the home was unable to trap the cool air from the window-mounted air-conditioning unit. Compounding the problems were exposed electrical wiring, leaky plumbing, rusty gas lines, loose vinyl floor tiles and broken windows that would not open. (Sounds like the movie, “Money Pit”!)

They were an ideal match for the Safe and Sound grant, and they received $7,050 through the program, along with a zero-percent interest, deferred-payment loan offered by Self-Help Enterprises through a partnership with the city of Woodlake. In addition to all of the obvious repairs and upgrades to make the home compliant with green building codes, a wheelchair-accessible shower was installed to help with Salvador’s recovery from surgery.

The Rodríguezes say they indeed now feel much more “safe and sound.”