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HAC News: September 26, 2012

September 26, 2012/in HAC News

HAC News Formats. pdf

September 26, 2012
Vol. 41, No. 19

• September 15-October 15 is National Hispanic Heritage Month • Continuing resolution to fund government for six months • USDA delays changes to rural definition for housing programs • Sequester remains in place • Farm Labor Housing applications now due October 31 • “Dynamic servicing strategies” notice for USDA multifamily properties reissued • New Capital Needs Assessment guidance issued for USDA multifamily properties • RESPA and TILA input requested • HUD seeks nominations for NAHASDA committee • USDA discontinues Rural Energy Plus for 502 direct • GAO report emphasizes similarities between USDA, FHA, and VA guarantee programs • Slightly fewer USDA tenants are cost burdened • Rural veterans’ housing covered in new Rural Voices

September 26,2012
Vol. 41, No. 19

SEPTEMBER 15-OCTOBER 15 IS NATIONAL HISPANIC HERITAGE MONTH, proclaimed by President Obama.

CONTINUING RESOLUTION TO FUND GOVERNMENT FOR SIX MONTHS. Both the House and Senate passed H.J. Res. 117, keeping housing programs and almost all others at FY12 funding levels through March 27, 2013. President Obama is expected to sign it.

USDA DELAYS CHANGES TO RURAL DEFINITION FOR HOUSING PROGRAMS. Administrative Notice 4679 (September 25, 2012) announces that current area eligibility will remain unchanged until March 27, 2013, when the continuing resolution ends. After that date, USDA will use 2010 Census data to determine what places fit the definition of rural, unless Congress extends grandfathering of housing program eligibility for growing rural communities. Before Congress adjourned two new bills were introduced: S. 3541 would grandfather currently eligible places for ten years, H.R. 6416 for one year. New HAC research found that in 2011 as many as one-third of Section 502 direct loans and 40% of Section 502 guaranteed loans were made in these areas.

SEQUESTER REMAINS IN PLACE. Before adjourning Congress did not change the “sequestration” – cuts in federal funds – required in January, although a variety of bills have been introduced. The Administration’s sequestration report to Congress indicates how each agency will implement the requirement to cut 8.2% of nondefense discretionary funding, including housing programs. USDA and HUD will cut each housing program account by 8.2%. (Some program accounts encompass one program while others include several.)

FARM LABOR HOUSING APPLICATIONS NOW DUE OCTOBER 31. A notice in the Federal Register, 9/23/12, also makes other changes to the NOFA. (See HAC News, 7/25/12.) Contact an RD state office.

“DYNAMIC SERVICING STRATEGIES” NOTICE FOR USDA MULTIFAMILY PROPERTIES REISSUED. An Unnumbered Letter dated August 31, 2012 repeats instructions to RD field staff regarding prompt action on troubled multifamily properties. Contact Stephanie White, USDA, 202-720-1615.

NEW CAPITAL NEEDS ASSESSMENT GUIDANCE ISSUED FOR USDA MULTIFAMILY PROPERTIES. See Unnumbered Letter dated August 7, 2012. Contact Carlton Jarratt, USDA, 804-287-1524.

RESPA AND TILA INPUT REQUESTED. Comment by October 9 on changes the Consumer Financial Protection Bureau proposes in Real Estate Settlement Procedures Act and Truth in Lending Act regulations on mortgage loan servicing and disclosures. See CFPB’s web site or regulations.gov. Contact Jane Gao, CFPB, 202-435-7700.

USDA PROVIDES RESPA GUIDANCE FOR SECTION 502 DIRECT. Administrative Notice 4676 (August 27, 2012) instructs RD staff on implementation of RESPA disclosure and accuracy requirements, and on good faith estimates and the HUD-1 “Settlement Statement.” Contact Migdaliz Bernier, USDA, 202-690-3833.

HUD SEEKS NOMINATIONS FOR NAHASDA COMMITTEE. The negotiated rulemaking committee will review the Indian Housing Block Grant funding formula. Nominations are due November 19. See Federal Register, 9/18/12 or regulations.gov. Contact Rodger Boyd, HUD, 202-401-7914.

USDA DISCONTINUES RURAL ENERGY PLUS FOR 502 DIRECT. The program, which makes it easier for homebuyers to qualify for loans for energy-efficient homes, remains in effect for Section 502 guarantee borrowers. See Unnumbered Letter dated September 10, 2012. Contact Christopher Ketner, USDA, 202-690-1530. HAC has learned from RD that a replacement program will be implemented in 2013.

GAO REPORT EMPHASIZES SIMILARITIES BETWEEN USDA, FHA, AND VA GUARANTEE PROGRAMS. Housing Assistance: Opportunities Exist to Increase Collaboration and Consider Consolidation (GAO-12-554) reiterates previous findings (for example, see HAC News, 3/7/12) and adds new data. In 2009, FHA guaranteed more single-family and multifamily loans, even for low-income residents of remote rural areas, than USDA. Detailed data on income levels and other characteristics are not included in the report. GAO suggests improving an Administration task force evaluating coordination or consolidation of single-family programs and recommends the agencies identify specific programs for consolidation. Contact Mathew Sciré, GAO, 202-512-8678.

SLIGHTLY FEWER USDA TENANTS ARE COST BURDENED. USDA’s annual occupancy survey shows 2,135 fewer units and 1,254 fewer occupied units (households) in Section 515 and 514/516 properties in 2012 than 2011, as well as 1,243 more households receiving Section 521 RA, 931 fewer with rental aid from other sources, and 1,562 fewer experiencing cost burdens. Contact Janet Stouder, USDA, 202-720-9728.

RURAL VETERANS’ HOUSING COVERED IN NEW RURAL VOICES. Stories of successful local efforts are highlighted in HAC’s quarterly magazine. Contact Dan Stern, HAC, 202-842-8600.

September 2012: America’s Rural Heroes

September 19, 2012/in Rural Voices

The September 2012 of Rural Voices, America’s Rural Heroes.

Spring 2012: HOME Works for Rural Communities

May 30, 2012/in Rural Voices

The Spring 2012 issue of Rural Voices includes more than 25 brief success stories from rural organizations that have utilized the HOME program to develop housing, create jobs, and provide decent affordable homes for their communities.

Views from Washington

The HOME Investment Partnerships Program: Cornerstone of Affordable Housing Development Efforts
by Senator Partick Leahy, (D – VT)

The HOME Investment Partnerships Program (HOME)
by Mercedes Márquez

FEATURES

What is the HOME Program
A detailed overview of the HOME Program.

The New HOME Rules and What They Mean
HUD has plans to make several changes to the HOME Final Rule. What are those changes and how will they impact rural communities?

STORIES FROM YOUR COMMUNITY

This issue of Rural Voices features success stories from organizations that have successfully utilized the HOME program to develop housing, create jobs, and provide decent affordable housing for their communities.

HAC would like to thank the following organizations for sharing their stories:

Brazos Valley Affordable Housing Corporation, City of Hesperia/Hesperia Housing Authority, City of Santa Clarita, Cocopah Indian Housing and Development, Community Action, Inc., Community Development Commission of Mendocino County, Community Housing Partners, Community Support Program, Inc., Crawford-Sebastian CDC, Delta Area Economic Opportunity Corporation, Economic Security Corporation, Freedom West Community Development Corporation, Inter-Lakes Community Action Partnership, New Mexico Housing & Community Development Corporation, Northwest Housing Alternatives, Opportunities for Chenango Inc., PathStone Corporation, PRIDE of Ticonderoga, Inc., Self Help Enterprises, South County Housing Corporation, Southwest Minnesota Housing Partnership, St. Vincent de Paul Society of Lane County, Inc., Tierra Del Sol Housing Corporation, Tri-County Opportunities Council, Vermont Housing and Conservation Board, and Walker Montgomery Community Development Corporation.

Share your Story

Rural Voices is not a large enough publication in which to cover all the stories of how HOME has positively benefitted communities across the country. Do you have a great story from your own community to share on this subject? Please tell us in the comments below, share your story on Facebook, LinkedIn, or tweet #HUDHOMEWorks and help demonstrate the importance of the HOME program to communities across the country.

HOME program weblinks.

Share your HOME Success Story

HAC News: May 30, 2012

May 30, 2012/in HAC News

HAC News Formats. pdf

May 30, 2012
Vol. 41, No. 11

• Wall Street Journal criticizes USDA foreclosure actions • VA analyzes factors linked to homelessness among veterans • Housing and ACS funding bills have not advanced • Notice addresses liquidation value appraisals for Section 502 guaranteed • Rural prepayment clarifications issued • USDA reminds field staff about documentation for Sections 514, 515, and 516 • USDA RD field staff have access to new cost data tool • Minorities and renters undercounted in 2010 Census • Vacancy rate higher in rural America, HAC reports • HAC blogs about rental housing policy • HOME program examined in new issue of Rural Voices • HAC seeks nominations for rural housing awards

May 30, 2012
Vol. 41, No. 11

WALL STREET JOURNAL CRITICIZES USDA FORECLOSURE ACTIONS. A May 25 article headlined “USDA is a Tough Collector When Mortgages Go Bad” describes USDA’s efforts to collect funds from borrowers who obtained Section 502 guaranteed mortgages, then lost income and lost their homes to foreclosure. Links to the article, online comments, and responses from HAC, the National Rural Housing Coalition, and others are posted on HAC’s site.

VA ANALYZES FACTORS LINKED TO HOMELESSNESS AMONG VETERANS. “Homeless Incidence and Risk Factors for Becoming Homeless in Veterans” reports that the presence of mental illness and/or substance-related disorders was the strongest predictor of becoming homeless after discharge. Homeless vets were also more likely to have served in Afghanistan or Iraq. In the population studied, Afghanistan/Iraq vets and women were most likely to use HUD-VASH vouchers. The VA study did not include urban-rural or other geographic information. The Daily Yonder reports that Census data show that generally vets disproportionately live in rural and exurban communities, although those who served after 1990 are not overrepresented in rural America.

HOUSING AND ACS FUNDING BILLS HAVE NOT ADVANCED. Dates have not been determined for full Senate consideration of FY13 funding bills for USDA, HUD, or the Census Bureau’s American Community Survey (see HAC News, 5/16/12). The HAC News and HAC’s website will report updates when available.

NOTICE ADDRESSES LIQUIDATION VALUE APPRAISALS FOR SECTION 502 GUARANTEED. Administrative Notice 4646 provides direction on obtaining a liquidation appraisal report to determine USDA’s loss claim for a 502 guaranteed property that has been taken into REO by the lender. Contact a USDA RD field office.

RURAL PREPAYMENT CLARIFICATIONS ISSUED. Subjects covered by USDA in an Unnumbered Letter dated May 14, 2012 include the distinction between prepayment and partial or final payments, and handling of incentives for property owners if ownership is transferred. Contact a USDA RD field office.

USDA REMINDS FIELD STAFF ABOUT DOCUMENTATION FOR SECTIONS 514, 515, AND 516. Administrative Notice 4645 addresses weaknesses identified in a 2011 management control review. Contact a USDA RD field office.

USDA RD FIELD STAFF HAVE ACCESS TO NEW COST DATA TOOL. An Unnumbered Letter dated April 20, 2012 announces the availability for staff of data reports that can be used to compare costs in multifamily housing and for other purposes. Contact a USDA RD field office.

MINORITIES AND RENTERS UNDERCOUNTED IN 2010 CENSUS. The Census Bureau has calculated that overall the 2010 Census was accurate although, as in previous decades, certain groups were undercounted. African Americans were undercounted by 2.1% and Hispanics by 1.5%. Asians and Native Hawaiians and Other Pacific Islanders had no statistically significant error rate. American Indians and Alaska Natives living on reservations were undercounted by 4.9%, while there was no statistically significant error rate for those not living on reservations. Renters were undercounted by 1.1%.

VACANCY RATE HIGHER IN RURAL AMERICA, HAC REPORTS. A new Rural Research Note, “Housing Occupancy and Vacancy in Rural America,” reports that housing vacancy rates in rural and small town areas are approximately 7 percentage points higher than the national level. Much of the higher vacancy rate in rural areas is due to the number of homes unoccupied for seasonal, recreational, or occasional use. Nearly 60% of all vacant seasonal or recreational homes nationwide are in rural and small town areas.

HAC BLOGS ABOUT RENTAL HOUSING POLICY. In the first of a series of contributions to the National Housing Institute’s Rooflines blog, HAC wonders, “What Does an Affordable Rural Rental Housing Strategy Look Like?” and suggests both general and specific components of such a strategy.

HOME PROGRAM EXAMINED IN NEW ISSUE OF RURAL VOICES. The spring issue of HAC’s quarterly magazine includes over 25 brief success stories from rural organizations that have used the HOME program to develop housing, create jobs, and provide decent affordable housing, as well as pieces from Senator Patrick Leahy (D-VT) and former HUD official Mercedes Marquez and a summary of what proposed changes in HOME regulations could mean for rural places.

HAC SEEKS NOMINATIONS FOR RURAL HOUSING AWARDS. Nominations are due September 28 for the Cochran/Collings Award for national rural housing service and the Skip Jason Community Service Award. The honors will be presented at the National Rural Housing Conference in December. Details will be available soon at http://ruralhome.org or from Lilla Sutton, HAC, 202-842-8600, lilla@ruralhome.org.

Migrant Workers Struggle for Housing - Vol. 1, Issue 1

Rural Voices: Migrant Workers Struggle for Housing

September 15, 1995/in Rural Voices

The first issue of Rural Voices highlights the struggles of farmworkers to find decent, affordbale housing in rural America. The magazine also features stories about empowering people through self-help housing and the Government’s direct lending programs.