Tag Archive for: Affordable Housing

HAC News: March 10, 2020

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News Formats. pdf

March 10, 2020
Vol. 49, No. 5

USDA and HUD offer resources on coronavirus • Household Water Well System Grants available • HAC research brief tackles tax relief for sellers of affordable rental properties • HUD guidance describes new provisions for small rural PHAs • File information regarding a regional plan by June 30 to garner extra points for some USDA RD funding • Housing legislation moves forward in the House • CFPB provides FAQs for mortgage disclosure rule • New RD Deputy Under Secretary named • Census to replace American FactFinder • Affordable Homes at Risk • Many Living in Rural America Struggling with Housing as Cost of Living Outstrips Wages • Toolkit for State and Local Government Officials • Understanding Rural Attitudes Toward the Environment and Conservation in America • SAVE THE DATE FOR HAC’S 2020 RURAL HOUSING CONFERENCE! • Need capital for your affordable housing project?

HAC News Formats. pdf

March 10, 2020
Vol. 49, No. 5

USDA and HUD offer resources on coronavirus.

Both departments provide basic resources and a link to the Centers for Disease Control and Prevention for the most up to date information. HUD suggests housing providers can share CDC fact sheets to help stakeholders understand the virus and steps to protect themselves. It also offers an infectious disease toolkit for Continuums of Care, noting that people experiencing homelessness are especially vulnerable. The National Health Care for the Homeless Council has collected other resources and information on the subject. USDA provides additional information about food safety and pet safety. Articles published by the Daily Yonder and the Center for American Progress present differing perspectives about rural risk: “Rural Areas at Less Risk of Coronavirus Currently” because people have contact with fewer others, or “Rural Americans are Vulnerable to the Coronavirus” because they have larger proportions of vulnerable populations, residents often cannot work at home, and access to health care is limited.

Household Water Well System Grants available.

USDA offers grants to nonprofits to establish revolving loan funds that will make loans for household water well systems in places with populations under 50,000, tribal lands and colonias. Apply by May 31. For more information, contact Derek Jones, USDA RD, 202-720-9640.

HAC research brief tackles tax relief for sellers of affordable rental properties.

As the rural rental housing crisis builds, often the best way to preserve a property’s affordability is to sell it to an entity that will keep operating it as an affordable rental. Among the many issues involved in arranging such a sale is the need to cover the seller’s tax bill. A new HAC research brief, Tax Considerations for Rural Housing Preservation, looks at this issue and possible solutions.

HUD guidance describes new provisions for small rural PHAs.

While HUD is developing regulations to implement provisions of a 2018 law related to small PHAs in rural places, it has published initial guidance explaining how it is defining small and rural, and how it is currently implementing provisions that take effect without regulations. Just over 1,500 PHAs fit the definition; see the list of “Section 209 Small Rural PHAs.” They can inspect voucher units less often than other PHAs and are exempt from environmental review requirements for development or rehab projects costing under $100,000. For more information, contact Harold Katsura, HUD, 202-402-3042.

File information regarding a regional plan by June 30 to garner extra points for some USDA RD funding.

Applicants for community facilities, water and waste, or business programs may receive priority points if their projects support strategic economic and community investment plans. Applicants must submit a form by June 30 to be eligible. For more information, contact an RD state office.

Housing legislation moves forward in the House.

On March 2 the House of Representatives passed the Yes In My Backyard Act (H.R. 4351), which would require governments receiving CDBG funding to report on land use policies that support affordable housing production, and the Improving FHA Support for Small Dollar Mortgages Act (H.R. 5931), which would require the FHA to review its policies, practices and products to identify barriers to supporting mortgages under $70,000. Two other measures were approved by the House Financial Services Committee on February 28 but have not yet been considered by the full House. The Housing is Infrastructure Act (H.R. 5187) would authorize substantial funding increases for numerous housing programs, including USDA’s MPR and Section 504 programs. The Housing Fairness Act (H.R. 149) would fund nationwide housing discrimination testing as well as research and education and would increase appropriations for the Fair Housing Initiatives Program.

CFPB provides FAQs for mortgage disclosure rule.

The consumer agency’s questions and answers pertain to compliance with the TILA-RESPA Integrated Disclosure Rule (TRID) for home mortgage closing cost estimates. Specific topics include corrected closing disclosures and the three business-day waiting period, model forms, construction loans, loan estimates and lender credits.

New RD Deputy Under Secretary named.

Donald “DJ” LaVoy, who has served as Deputy Under Secretary for Rural Development at USDA since September, is retiring. Bette Brand will move into the deputy position. She has most recently been the Administrator of the Rural Business-Cooperative Service. The Under Secretary position, eliminated by USDA Secretary Sonny Perdue and reinstated by the 2018 Farm Bill, remains vacant.

Census to replace American FactFinder.

The U.S. Census Bureau will take its American FactFinder tool offline on March 31. The AFF tool will be replaced with the new data.census.gov utility. While the transition takes place, data and information on rural communities across the country will always be available at HAC’s Rural Data Portal. For more information on HAC’s data portal, contact dataportal@ruralhome.org.

Recent publications and media of interest

Need capital for your affordable housing project? HAC’s loan funds provide low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development and construction/rehabilitation. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

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HAC News: June 14, 2019

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News Formats. pdf

June 14, 2019
Vol. 48, No. 12

Resources offered for local rural design activities • June is National Homeownership Month • House moves appropriations forward • House committee passes bills to block recent HUD proposals • Disaster funding bill becomes law • Flood insurance program extended • HUD offers grants for technical health and housing studies • USDA moving ERS and NIFA to Kansas City • Revised income limits for HUD programs posted • RuralSTAT • Iowa inmates learn to construct affordable housing • RAPIDO disaster recovery home celebrated in Texas • Comments sought on Fair Market Rent calculation changes • A Piece of Mississippi: Retrospective on Rural Generation for CIRD • Reservation Profiles • Speak Your Piece: Rural Strength and Possibility •Need capital for your affordable housing project?

HAC News Formats. pdf

June 14, 2019
Vol. 48, No. 12

Resources offered for local rural design activities.

The Citizens’ Institute on Rural Design is accepting applications through July 22 for stipends and technical assistance to enable rural and tribal communities to host rural design workshops or participate in a Learning Cohort. A webinar offering application guidance from HAC, the National Endowment for the Arts and buildingcommunityWORKSHOP is available online. “Open office hour” events will also be hosted by [bc] on Facebook live on June 18 and July 10. For more information, contact CIRD@bcworkshop.org.

June is National Homeownership Month.

USDA’s press release highlights the department’s homeownership programs.

House moves appropriations forward.

The House Appropriations Committee approved the proposed FY20 spending bills for USDA and HUD on June 4. Those two measures have been combined with the bills for Commerce-Justice-Science, Interior-Environment and Military Construction-VA to create a second “minibus” that is scheduled for a vote in the full House the week of June 17. The House began debate June 12 on the first minibus, comprised of appropriations bills for Labor-HHS-Education, Defense, State-Foreign Operations and Energy. The Financial Services bill, not included in either minibus, passed the House Appropriations Committee on June 11 and includes $300 million for CDFI Fund programs, compared to $250 million in FY19. The Senate has not yet begun to consider its appropriations bills.

House committee passes bills to block recent HUD proposals.

H.R. 3018, passed by the House Financial Services Committee on June 12, would block HUD’s proposal to allow homeless shelters to treat transgender and gender non-conforming people according to the sex they were assigned at birth. Similar language is included in the House’s HUD appropriations bill for FY20. Also approved by the committee was H.R. 2763, prohibiting implementation of HUD’s proposed rule to end housing benefits for families with mixed immigration status. Finally, H.R. 3154 clarifies that Deferred Action for Childhood Arrivals recipients cannot be denied federally backed mortgage loans based on their DACA status; after the bill passed, a letter from a HUD official to Rep. Pete Aguilar (D-CA) became public confirming that FHA considers DACA recipients ineligible for its mortgage guarantees, a policy previously denied by HUD Secretary Ben Carson.

Disaster funding bill becomes law.

On June 6, President Trump signed the disaster relief bill into law, providing $17.2 billion for recovery from 2018 and 2019 natural disasters.

Flood insurance program extended.

The new disaster relief law extends authorization for the National Flood Insurance Program through September 30, 2019, the end of the current fiscal year. The program would be authorized through the end of fiscal 2024 by H.R. 3167, which received unanimous approval from the House Financial Services Committee on June 12. That bill and H.R. 3111, also passed unanimously by the committee, make other changes to the program as well.

HUD offers grants for technical health and housing studies.

Nonprofits, for-profits, PHAs, state or local governments, tribes and educational institutions can apply by July 11 for HUD Lead and Healthy Homes Technical Studies Grants to improve detection and control of housing-related health and safety hazards. For more information, contact J. Kofi Berko, HUD.

USDA says ERS and NIFA will move to Kansas City.

The Kansas City region has been selected as the new location for the Economic Research Service and the National Institute of Food and Agriculture, USDA Secretary Sonny Perdue announced on June 13. With its press release, USDA provided the first publicly available cost-benefit analysis for the controversial move. The House’s FY20 appropriations bill for USDA includes language prohibiting use of FY20 funds for the relocation, but a timeline in the cost-benefit document shows the Department intends to begin the relocation by August 1 and complete it by September 30, before FY20 begins on October 1. NIFA workers voted on June 11 to join the American Federation of Government Employees, as ERS employees did in May.

Revised income limits for HUD programs posted.

The 2019 income limits for CDBG, HOME, HTF, HOPWA and NSP will be effective June 29. The limits for ESG are effective as of April 24.

RuralSTAT. The citizenship question on the 2020 Census has been hotly debated as of late. Data on citizenship already exists in the American Community Survey. From the ACS, the Census Bureau estimates that 2.8% of the rural and small town population are not U.S. citizens. To view the data for your community and its reliability, visit HAC’s Rural Data Portal.

Iowa inmates learn to construct affordable housing.

A new Iowa program, based on one in South Dakota, aims to help alleviate the state’s rural affordable housing shortage by recruiting the state’s prison population to build modular affordable housing. The program also hopes to provide inmates with training and apprenticeships that can help them find jobs upon reentry.

RAPIDO disaster recovery home celebrated in Texas.

An open house event allowed visitors to see a finished home where a family lived throughout construction, beginning with a small “core” house erected in three days and intended to replace a FEMA trailer after a natural disaster. The family occupied the core while the rest of the home was built onto it. Texas Housers, one of the partners in developing and testing the concept, declared this RAPIDO home ready to move to large scale use in future disaster rebuilding. Other partners were buildingcommunityWorkshop, Enterprise Community Partners, the Texas Organizing Project and Covenant Community Capital. A past issue of HAC’s Rural Voices magazine (p. 27) describes how the concept can be used for affordable housing in non-disaster situations as well.

Comments sought on Fair Market Rent calculation changes.

HUD is proposing changes in how it calculates trend factors that are used in determining Fair Market Rents. The changes are intended to make the determinations more local. Comments are due July 5. For more information, contact HUD’s Program Parameters and Research Division, 202-402-2409.

Recent publications and media of interest

Need capital for your affordable housing project?

HAC’s loan funds provide low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development and construction/rehabilitation. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

USDA Multi-Family Fair Housing Occupancy Report FY 2017

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USDA’s yearly occupancy survey shows the total number of properties in USDA’s rural rental portfolio fell by 1.94% from September 2016 to September 2017, a decrease of 278 properties consisting of 246 Section 515 properties and 32 Section 514 properties. This represents a loss of 5,035 apartment units or 1.17 percent. The average annual income of Section 515 residents has increased to $12,776. For Section 515 tenants with RA, average income is $10,658.

USDA Multi-Family Fair Housing Occupancy Report FY 2016

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USDA’s yearly occupancy survey shows the total number of properties in USDA’s rural rental portfolio fell by 1.86% from September 2015 to September 2016, a decrease of 217 properties consisting of 253 Section 515 properties and 18 Section 514 properties. This represents a loss of 4,220 apartment units or 0.97 percent. The average annual income of Section 515 residents has increased to $12,588. For Section 515 tenants with RA, average income is $10,504.

Housing as Infrastructure

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by Stephen Sugg,Housing Assistance Council (HAC)

We know that decent and affordable housing does great (and cost-effective) things like prevent lead poisoning, improve health outcomes, and boost student achievement in school. Rural affordable housing is an economic driver. And a lack of rural affordable housing is thwarting economic growth and job creation. Thus, HAC and our rural partners in 50 states are among the growing number of voices viewing housing as infrastructure. One rural small business developer said it best, calling intertwined issues of workforce recruitment and housing stock availability the “two biggest challenges that rural areas tend to be worried about”.

Those working in the metro DC area and other relatively affluent enclaves are accustomed to construction cranes hovering, young professionals sipping lattes that are the price of a burger and fries in a rural diner, and paying outrageous rents.

It is different in rural America. Available housing is often dilapidated, not energy-efficient, and though comparatively cheap, still unaffordable for the working poor, or most vulnerable. Grandma might have a $800 heating bill for her Jimmy Carter era manufactured home. Rural incomes are 25% less on average than non-rural, and this statistic is worse for rural areas mired in persistent poverty. But bottom line focused rural leaders know that affordable housing creates jobs—short and long term, while offering “immediate fiscal benefits” for states and localities.

Rural businesses too often struggle, with lumber catching dust at the lumber yard; building supplies hardly moving at the hardware store. Immediate economic impact would come from investment that is guaranteed to stay local, help local people, and that is “shovel ready” (and then some). It might even help stem the onslaught of rural hospital closures.

I’d challenge folks from the Trump Administration, starting with HUD Secretary Ben Carson, to join a bipartisan group of Congressional leaders and my colleagues and me on a journey—perhaps over the next Congressional recess. Start in Appalachia, say rural eastern Kentucky, and ask the folks there if federal infrastructure investment in housing would be wise. Imagine out-of-work miners constructing “self-help” homes, their sweat equity again paying a dividend, along with de facto job training.

Then go north, to Pine Ridge in South Dakota, where 18 people crowding into a house is still too common, a place that Nicholas Kristof called “Poverty’s Poster Child”. Ask them about the immediate impact of improved housing conditions.

Traditional log home - between Oglala and Pine Ridge villageTraditional log home – between Oglala and Pine Ridge village

Next fly south, to the Colonias on the U.S.-Mexico border, where housing is in short supply, and modern sewage systems are too rare. In the Colonias, even modest investment does much good, as creative nonprofits are doing cutting-edge work. Going westward (or any direction, really), one could visit the homes of farmworkers, and see the substandard housing conditions of those responsible for making sure that we eat.

For those wanting some recreation with their fact finding mission, they would need not go to counties mired in persistent poverty—85% of which are rural. Rural resort towns (e.g., “tourist areas”) are filled with housing need. Those in the service industry are often part of rural America’s hidden homelessness epidemic. And make no mistake: investment in affordable rural housing plays a critical role in addressing rural America’s opioid crisis. Citylab called the opioid epidemic an “infrastructure issue”, citing the need for rural transitional housing.

In rural America, where costs are lower for construction and land, infrastructure spending targeted toward housing—preservation or new—can boost the outlook for Main Street while providing an anchor for our most vulnerable families to achieve stability, and a shot at the middle class.

Last year, over 7 million households in rural America experienced at least one major housing problem. We can do better, and political will is all that it takes.

This post is part of a series from members of the Campaign for Housing and Community Development Funding tying housing to infrastructure. Read the first post in the series from the National Housing Conference.

USDA Multi-Family Fair Housing Occupancy Report FY 2015

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USDA’s yearly occupancy survey shows the total number of properties in USDA’s rural rental portfolio fell by 1.39% from September 2014 to September 2015, a decrease of 186 Section 515 properties and 19 Section 514 properties. The reduction covers 2,646 apartments (0.37% of total units). The average annual income of Section 515 residents has increased to $12,377. For Section 515 tenants with RA, average income is $10,332.

USDA Multi-Family Fair Housing Occupancy Report FY 2014

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USDA’s yearly occupancy survey shows the total number of properties in USDA’s rural rental portfolio fell by 1.25% from September 2013 to September 2014, a decrease of 142 Section 515 properties and an increase of 45 Section 514 properties. The reduction covers 1,645 apartments (0.37% of total units). The average annual income of Section 515 residents has increased to $12,022. For Section 515 tenants with RA, average income is $10,054.

A Call for More Inclusive Community Planning, from Wonkblog

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In a piece for The Washington Post’s Wonkblog, Emily Badger details a story of a town in California, which is instructive to organizations working to provide affordable housing across the country.

Brisbane, California, a town outside of San Francisco, has a chance to make a big change to relieve the area’s housing crisis. A local developer would like to use a former industrial land plot to build a mixed-use project, including public parkland and over 4,000 housing units. The location is also adjacent to a regional rail line that would make commuting easier for workers with jobs in San Francisco and Silicon Valley. One of the benefits of building on this currently unused space is that construction would not displace any current residents or negatively impact local traffic. However, some Brisbane officials and residents are resistant to this development for reasons that are all too familiar to affordable housing developers.

This situation reflects the realities of housing policy decisions across the country. Housing policies are generally set at the local level, which in turn provides a great deal of weight to the desires of local residents. HAC has long felt that the solutions to affordable housing start at the local level, and building local capacity should be a priority in any community development effort. In her piece, Badger argues that communities should be more inclusive in how they define “local.” Badger believes that decision making on a community level should also include commuters who spend their days in town, working, going to school, or spending money, but don’t technically live there. This would create a more inclusive community where all of the stakeholders have a say in local policy. However, she submits that local control of housing policy is a tradition that is unlikely to change in American communities.

top20-commuter-adjusted-population

How the Major Party Platforms Approach Housing

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by Leslie Strauss

The major political party platforms take different approaches to federal housing assistance and related topics. The Republican and Democratic platforms adopted at the parties’ conventions in July are couched in strikingly different ways, consistent with the conventions’ tones. For example, while the Republican paper states, “We must scale back the federal role in the housing market, promote responsibility on the part of borrowers and lenders, and avoid future taxpayer bailouts,” the Democratic one asserts, “We will substantially increase funding for the National Housing Trust Fund to construct, preserve, and rehabilitate millions of affordable housing rental units . . . [to] help address the affordable housing crisis . . . [and] create millions of good-paying jobs in the process.”

Read the complete article on Rooflines

HAC News: July 27, 2016

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HAC News Formats. pdf

July 27, 2016
Vol. 45, No. 14

• Senate passes housing act unanimously • Major party platforms approach affordable housing differently • HUD requests input on CoC distribution formula • Data and factsheets available on federal rental assistance in U.S. and each state • Early research results show housing counseling’s benefits • CRA questions and answers revised by regulators • HUD creates AFFH listserve • Brief summarizes impact of homelessness on children’s health and education • SAVE THE DATES FOR THE HAC RURAL HOUSING CONFERENCE 2016!

HAC News Formats. pdf

July 27, 2016
Vol. 45, No. 14

Senate passes housing act unanimously. On July 14 the Senate approved H.R. 3700, the Housing Opportunity Through Modernization Act, passed by the House in February (see HAC News, 2/3/16). When signed by President Obama, the bill will become law. It imposes a fee on each Section 502 guarantee, with the proceeds to be used to enhance RD’s single-family IT and automated underwriting. It also authorizes USDA to delegate Section 502 underwriting to approved lenders. Most of its provisions (summarized here by the National Low Income Housing Coalition) deal with HUD programs.

Major party platforms approach affordable housing differently. Adopted at the parties’ conventions this month, both the Republican platform and the Democratic platform support homeownership, an end to homelessness among veterans, and expansion of broadband service in rural areas. Both recognize tribal sovereignty. In other ways, the two documents are very different.

The Republican platform emphasizes the need to avoid another housing crisis. “We must scale back the federal role in the housing market, promote responsibility on the part of borrowers and lenders, and avoid future taxpayer bailouts. Reforms should provide clear and prudent underwriting standards and guidelines on predatory lending and acceptable lending practices. . . . We call for a comprehensive review of federal regulations, especially those dealing with the environment, that make it harder and more costly for Americans to rent, buy, or sell homes.” It criticizes Fannie Mae, Freddie Mac, the Dodd-Frank Act, and the Consumer Financial Protection Bureau, as well as “lending quotas to specific groups” and the Affirmatively Furthering Fair Housing regulation.

The Democratic platform cites the CFPB, as well as fair housing law and regulations, as factors contributing to the strong housing market it hopes to foster. It also supports existing federal housing programs that address both homeownership and affordable rental housing, committing to expand them and increase their funding. It specifically mentions additional monies for the National Housing Trust Fund.

To solve veteran homelessness, the Republican platform pledges better health care, including mental health care, and discusses the importance of employment. The Democratic platform calls for “robust [federal] funding” to end homelessness, mentioning families and veterans specifically.
Rural housing is not mentioned separately in either platform, but the rural economy is in both. The Republican platform strongly supports agriculture. The Democratic platform backs “a stronger rural and agricultural economy.” It also calls for “stronger agricultural worker protections including regulation of work hours, elimination of child labor, ensuring adequate housing for migrant workers, and sanitary facilities in the field.”

Native Americans are covered in both platforms. The Republican document promises to reduce federal regulations relating to Indian Country, while the Democratic commits to “strengthen the operation of tribal housing programs, and reauthorize the Indian Housing Block Grant Program. We will increase affordable and safe housing and fight to significantly reduce homelessness on and off Indian reservations, especially among Native youth and veterans.”

Both documents also address poverty. The Republican platform describes current safety net programs as “the false compassion of the status quo,” and proposes to replace them with “the dynamic compassion of work requirements in a growing economy.” It calls for “removal of structural impediments which progressives throw in the path of poor people: Over-regulation of start-up enterprises, excessive licensing requirements, [and] needless restrictions on formation of schools and day-care centers serving neighborhood families.” It urges “greater state and local responsibility for, and control over, public assistance programs.”

The Democratic platform “reaffirm[s] our commitment to eliminate poverty.” It pledges to focus on persistent poverty communities by, for example, using “the 10-20-30 model, which directs 10 percent of program funds to communities where at least 20 percent of the population has been living below the poverty line for 30 years or more.” It supports existing programs such as the Earned Income Tax Credit and the New Markets Tax Credit. It also acknowledges the “racial wealth gap” and says federal policy must help eliminate it.

HUD requests input on CoC distribution formula. Comments are due September 23 on proposed changes to the formula used to distribute Continuum of Care homeless assistance funds, and on ways to target funding to urban and rural areas most in need. Contact Norm Suchar, HUD, 202-708-4300.

Data and factsheets available on federal rental assistance in U.S. and each state. The Center on Budget and Policy Priorities offers national and state factsheets, as well as data in Excel, and includes both HUD and USDA programs. Topics include who uses and who needs rental assistance, the metro/nonmetro distribution of assisted housing by state and program, and the impacts of sequestration on HUD’s Housing Choice Voucher program.

Early research results show housing counseling’s benefits. The First-Time Homebuyer Education and Counseling Demonstration: Early Insights reports that early findings from a large HUD study are encouraging and suggest homebuyer education and counseling may lead to favorable results for first-time homebuyers in terms of mortgage literacy and preparedness, homebuyer outcomes, and loan performance. Over 5,800 prospective buyers in 28 metro areas were randomly assigned to receive remote counseling (online and telephone-based), in-person counseling (in groups and individually), or neither. HUD found that 65% of those who were offered remote education and counseling initiated services, compared to 25% of those who were offered in-person services. Participants then performed better on a mortgage literacy quiz and had higher credit scores.

CRA questions and answers revised by regulators. The federal agencies that regulate banks and savings and loans publish Q&As to help explain their Community Reinvestment Act regulations. The most recent Q&A revisions were issued July 25. Agency contacts are listed in the document.

HUD creates AFFH listserve. The new list will provide information and updates on topics directly related to Affirmatively Furthering Fair Housing, including HUD’s 2115 AFFH rule. To subscribe to this or any of HUD’s other mailing lists, visit the HUD Exchange. Additional AFFH information from HUD is also online.

Brief summarizes impact of homelessness on children’s health and education. A factsheet by the U.S. Interagency Council on Homelessness describes the short- and long-term impacts of family homelessness, along with solutions.

SAVE THE DATES FOR THE HAC RURAL HOUSING CONFERENCE 2016! This year’s national conference will be held November 29-December 2 in Washington, DC. The HAC News will announce when registration opens.

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