Housing Affordability Archives

Empowering Veterans Through Collaborative Housing Initiatives: Insights from the 2023 National Rural Housing Conference

January 18, 2024/in Events, Impact, National Rural Housing Conference, Success Stories, Technical Assistance Housing Affordability, Supportive Services, Veterans, Vulnerable Populations

The Housing Assistance Council (HAC) is dedicated to supporting those who have answered the highest call of service to our nation. Our Affordable Housing for Rural Veterans (AHRV) Initiative aids local nonprofit housing organizations in improving housing conditions for veterans in their communities with support from The Home Depot Foundation. The brick-and-mortar projects that AHRV funds provide critical home repair, rehab, and construction for low-income, elderly, homeless, and/or disabled veterans. All this support is tailored to meet the specific needs of veterans in each community.

At HAC’s 2023 National Rural Housing Conference, the Veterans Stakeholder Meeting convened practitioners from around the country to share ideas and best practices. The centerpiece of the meeting was a series of presentations from a panel that included:

Karen Boyce, Managing Director of The Veterans’ Place, Inc. (TVPI), a transitional home for homeless veterans in Northfield, Vermont;
AB Bustos and Amber Morson, Homeless Veteran Program Managers at the Texas Veterans Commission (TVC), an organization that advocates for and provides services that will improve the lives of Texas veterans and their families; and
Miguel Chacon, Executive Director of A.Y.U.D.A. INC, an organization that provides assistance programs to low-income individuals and families in El Paso County, Texas, including affordable housing, rental assistance, and community health worker training.

Housing organizations from across the country benefited from hearing detailed presentations on housing efforts and gained insights on how organizations can work to better support veterans. Here are four key takeaways from the meeting:

1. Incremental changes in language can make veterans more responsive to community partnerships.
When asked “are you a veteran?” many former servicemembers, especially women and people who were discharged under other than honorable conditions, tend to answer “no.” Others may not consider themselves veterans because they never saw combat. The Homeless Veteran Program of the Texas Veterans Commission (TVC) found that a small change—asking “did you serve?”—has helped them identify more veterans who qualify for programs, some of which are open to all veterans, regardless of their type of discharge.

This small change has generated such an increase in response that TVC has begun a statewide awareness campaign to encourage other local and nonprofit support programs to make the same phrasing change in an effort to identify more eligible veterans. Because TVC works with a wide range of supportive programs—education, employment, mental health, homelessness, and more—it emphasizes the connectedness of housing to the broader ecosystem of community support. A simple change in the language used to identify veterans can help housing organizations—and supportive programs of all stripes—across the country reach a wider net of people who need support after answering the highest call of service to our nation.
2. Housing is part of a broader ecosystem of support.
Organizations that open doors to collaboration can provide better support for the veterans they serve. In the Veterans Stakeholder Meeting, the team from the Veterans’ Place explained that they had noted an increase in the average age of veterans looking for housing. So, TVPI adapted their approach by reaching out to supportive housing organizations, like those providing assisted living, to find resources within their area for senior veterans.

When organizations work with other groups and community programs, they often find partnerships they did not know were available to them. That’s why it’s important that the National Rural Housing Conference brings together practitioners from across the country, including many who work in housing-adjacent fields, like community health. The network of peers for housing organizations includes other organizations and local services. For example, healthcare institutions can play an important role in the support that housing organizations provide and vice versa. Housing is deeply connected to health, which becomes especially apparent when a veteran is living with mold, when a home that isn’t accessible for their disability, or when they’re recovering from challenges like PTSD or substance use disorder. The support that housing organizations goes further when it works in concert with other community services.
3. It is crucial for housers to learn from a network of peers.
In the Veterans Stakeholder Meeting, the panel was asked, “how do you start from ground zero?” Some of the meeting’s participants wanted to know how their housing organizations could expand into supporting veterans but didn’t know how to take the first step in building a network of support. One answer was for organizations to look for assistance within their community. The Veterans’ Place emphasized the importance of being willing to ask for help and of networking with other organizations, including housers in nearby areas. Groups like HAC and the Texas Veterans Commission that bring peer organizations together and connect them with resources act as force multipliers. By building connections among practitioners—both those with established veterans programs and those without—HAC provides a crucial service to the ecosystem of veterans housing.
4. One size does not fit all for veteran housing assistance.
Every veteran has their own unique story and lived experience. Placing all who served into the same category and assuming they face the exact same challenges is an ineffective approach to housing assistance. Recognizing this, the Veterans’ Place tailors its services to the needs of the individual. With open door policies and peer support, the Veterans’ Place emphasizes establishing boundaries and individual-specific systems when it comes to veteran housing. The Veterans Stakeholder Meeting proved the importance of this individualized approach across all housing programs, as organizations understand the unique needs of every veteran and continue to implement services that work for them.

The National Rural Housing Conference brought together practitioners from across the country. By sharing ideas as broad as the importance of partnership and as specific as the nitty-gritty of how a question is asked, these leaders learned lessons they can put into practice in their communities. As each community tailors these best practices to meet the specific needs of their veterans, HAC and The Home Depot Foundation will be there, supporting the local initiatives that bring us one step closer to a nation in which all veterans can have a healthy, accessible, and affordable place to call home.

HAC Loan Fund Impact Report for FY 2023

December 18, 2023/in About HAC, Impact, Lending CDFI, Homeowner Housing, Housing Affordability

HAC is proud to present our 2023 Loan Fund Impact Report. In fiscal year 2023 (October 2022-September 2023), our Loan Fund provided $31.4 million in financing through 34 loans—including 13 (37%) made to minority-led borrowers—to build, rehabilitate, or preserve 900 affordable homes.

2023 Loan Fund Impact Report

A Methodological Approach to Estimate Residential Heirs’ Property in the United States

November 18, 2023/in Information Products, Rural Research Reports Duty to Serve, High Need Regions, Housing Affordability, Housing Problems, Vulnerable Populations

The Housing Assistance Council (HAC), in partnership with Fannie Mae, developed a methodology to estimate the prevalence of heirs’ properties in two categories, most likely heirs’ properties and properties that are at risk of currently being or soon becoming heirs’ properties throughout the United States. Slightly over 500,000 properties were identified as potential heirs’ properties with nearly two thirds (64.6%) located in rural areas. Despite challenges including the lack of uniformity of tax assessment data collection and reporting, the conservative estimated assessed value of identified heirs’ properties is $32.3 billion in 44 states and the District of Columbia.

Download Report

Heirs’ Property Research Report 12.11.23 1

Rural Voices - Recovery in Rural America - Cover

Rural Voices: Recovery in Rural America: Housing Helps Address the Substance Use Disorder Crisis

August 10, 2023/in Rural Voices Appalachia, High Need Regions, Housing Affordability, Substance Use Disorder, Supportive Services

In 2021, 46.3 million people in the U.S. were diagnosed with substance use disorders, including 6.7 million rural residents. From December 2021 to December 2022, approximately 105,000 lives were lost due to the overdose epidemic. Many rural communities and households have been impacted by this epidemic through the loss of loved ones, incarceration, chronic homelessness, mental and behavioral health challenges, and more. In some rural communities, every household has been impacted by substance use disorders.

This issue of Rural Voices highlights innovative approaches to providing housing for residents in recovery with a cross-sector analysis of successful collaborative approaches to addressing the issues associated with substance use disorders.

HAC Announces Beneficiaries for Accessible & Universal Design Workshop Series

July 26, 2023/in Our Work, Technical Assistance Economic Development, Housing Affordability, Seniors/Elderly, Vulnerable Populations

In rural areas, approximately one in three adults lives with a disability. Rural America also has a higher proportion of older residents than the nation as a whole. There is a pressing need to address the unique housing challenges facing these vulnerable populations. To empower rural communities with the necessary skills and expertise to do just that, we are excited to share that HAC has chosen 30 individuals from 27 organizations to participate in our exclusive Accessible and Universal Design workshop series.

Thanks to funding from the U.S. Department of Housing and Urban Development, this workshop series aims to equip participants with the latest tools and best practices tailored to address the unique challenges faced by rural communities. Shonterria Charleston, HAC’s Director of Training and Technical Assistance, emphasized, “rural residents living with disabilities encounter various obstacles. In recognition of Disability Pride Month, HAC is pleased to offer the Accessible and Universal Design Learning Series. This series is designed to highlight essential resources, expand capacity, and enrich expertise that empowers rural communities to implement inclusive housing programs that address the needs of all residents.”

A summary of the selected participants and the list of awarded organizations can be found below.

Workshop Series Summary

The Housing Assistance Council’s (HAC) Accessible and Universal Design workshop series is an opportunity to learn how housing activities can address the accessibility, mobility, and design needs of every client. This series will provide 30 housing professionals with the foundation, skills, and real-world examples needed to design and reimagine housing programs that support the changing needs of clients at every stage of life.

Through the learning series, HAC will guide participants on integrating accessible and universal design principles into their housing design and construction activities. By focusing on factors such as accessibility, mobility, and design flexibility, attendees will gain valuable insights on how to meet the diverse needs of community members.

Selected Organizations

Alaska Community Development Corp
Bishop Sheen Ecumenical Housing Foundation, Inc.
CAC of Fayette County
Caroline County Habitat for Humanity
City of Excelsior Springs
Community Outreach Housing
Community Ventures
Confederated Tribes of the Umatilla Indian Reservation (2 participants)
Fauquier Habitat for Humanity
Habitat for Humanity of Portage County (2 participants)
Habitat for Humanity of Wisconsin River Area
Impact Educational and Housing Development
Kent Attainable Housing, Inc.
Lakeway Area Habitat for Humanity
Mountain Projects, Inc.
MS Delta Housing Program, Inc.
PathStone Corporation
Penquis CAP
Pensacola Habitat for Humanity (2 participants)
Project BEE
Purple Heart Homes
Red Cliff Chippewa Housing Authority
RUPCO, Inc
Rural Alaska Community Action Program, Inc., (RurAL CAP)
Southside Outreach Group, Inc.
TCAC Tennessee’s Community Assistance Corporation
Transylvania Habitat for Humanity

HAC’s Comments on Duty to Serve – July 2023

July 19, 2023/in Advocacy, Federal Register Comments, News, Policy Duty to Serve, High Need Regions, Housing Affordability, Vulnerable Populations

The FHFA requested comments on Fannie Mae and Freddie Mac’s Duty to Serve plans as part of their annual Duty to Serve Listening Sessions. Jonathan Harwitz, HAC’s Director of Public Policy, provided oral comments, accompanied by longer written comments, on behalf of HAC. If implemented robustly, Duty to Serve has the potential to improve the lives of people living in the most underserved communities. HAC’s comments focused on:

Maintaining USDA Section 515 preservation as a core goal of the rural Duty to Serve Plans;
Permitting targeted equity investments in CDFIs;
Using, and further refining, the new Colonias Census Tract definition; and
Meeting rural LIHTC equity investment goals.

Read HAC’s full comments.

HAC DTS Rural Listening Session Comments

Rural Veterans and Local Nonprofits Receive Critical Housing Support in partnership with The Home Depot Foundation

May 31, 2023/in News, Press Room Capacity Building, Homeowner Housing, Housing Affordability, Rural Demographics, Veterans, Vulnerable Populations

Contacts: Dan Stern, dan@ruralhome.org
AHRV Team, ahrv@ruralhome.org
(202) 842-8600

Washington, DC, May 31, 2023 – Veterans and their families in fourteen rural communities will have better lives, thanks to The Home Depot Foundation and the Housing Assistance Council. The Foundation is awarding grants totaling $366,907 to fourteen local nonprofit housing agencies around the country to preserve housing for veterans in rural America.

The grants are part of The Home Depot Foundation’s mission to provide affordable and accessible housing solutions to U.S. veterans and invest $500 million in veteran causes by 2025. Many veterans and their families face major housing challenges, often exacerbated by issues related to unemployment, age, and service-related disabilities. The Home Depot Foundation and the Housing Assistance Council (HAC) are dedicated to giving back to those who have answered the highest call of service to our nation.

As part of its Affordable Housing for Rural Veterans (AHRV) Initiative, HAC works with The Home Depot Foundation to administer grants that bolster and support the work of rural nonprofit housing agencies to deliver critical housing support to veterans. “The Home Depot Foundation’s support remains a cornerstone of HAC’s work to strengthen local organizations that build and maintain homes for veterans across rural America,” said David Lipsetz, HAC’s CEO. “The more we support the local groups that are helping veterans, the more we see veterans and their hometowns thrive.” As rural America is home to a disproportionately high number of service women and men, HAC remains deeply committed to supporting our nation’s service women and men by uplifting local nonprofits and their work to house and ensure the habitability of their homes and rural communities.

The grantee organizations – described below – provide a range of programs. With the grants, veterans who own homes in Arizona, Florida, Georgia, Maryland, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, South Dakota, and Tennessee will obtain critical repair assistance. Altogether, 43 veterans and their families will benefit from these grants.

About The Home Depot Foundation

The Home Depot Foundation  works to improve the homes and lives of U.S. veterans, support communities impacted by natural disasters and train skilled tradespeople to fill the labor gap. Since 2011, the Foundation has invested more than $475 million in veteran causes and improved more than 55,000 veteran homes and facilities. The Foundation has pledged to invest half of a billion dollars in veteran causes by 2025 and $50 million in training the next generation of skilled tradespeople through the Path to Pro program.

To learn more about The Home Depot Foundation visit  HomeDepotFoundation.org and follow them on Twitter  @HomeDepotFound and on Facebook and Instagram  @HomeDepotFoundation.

About the Housing Assistance Council

The Housing Assistance Council (HAC) is a national nonprofit that supports affordable housing efforts throughout rural America. Since 1971, HAC has provided below-market financing for affordable housing and community development, technical assistance and training, research and information, and policy formulation to enable solutions for rural communities.

To learn more about the Housing Assistance Council, visit www.ruralhome.org and follow HAC on LinkedIn, Facebook, Instagram, YouTube, and Twitter @RuralHome.

About the Grantees

Creative Compassion, Inc., Crossville, TN, will utilize $22,500 to provide needed critical repairs for three (3) rural, low-income veterans in Crossville and Jamestown, TN. For additional information on Creative Compassion, Inc., visit their website at https://ccihomes.org/.

Good Works, Inc., Coatesville, PA, will utilize $30,000 to provide critical repairs to the homes of two (2) low-income rural veterans in Coatesville, PA. For additional information on Good Works, Inc., visit their website at https://www.goodworksinc.org/.

GROW South Dakota, Sisseton, SD, will utilize $30,000 to provide critical repairs for three (3) rural, low-income veterans in Sisseton, SD. For additional information on GROW SD, visit their website at https://www.growsd.org/.

Habitat for Humanity of Hillsborough County, Tampa, FL, will utilize $30,000 to provide critical roof replacement and new roof installation to the homes of two (2) low-income rural veterans in rural Hillsborough County, FL. For additional information on Habitat for Humanity of Hillsborough County, visit their website at https://www.habitathillsborough.org/

Habitat for Humanity of South-Central New Jersey, Maple Shade, NJ, will utilize $20,000 to provide critical home repairs for three (3) rural low-income veterans. For additional information on Habitat for Humanity of South-Central New Jersey, visit their website at https://www.habitatscnj.org/.

Habitat for Humanity of York County, Rock Hill, SC, will utilize $10,000 to support critical repairs and accessibility modifications for one (1) rural low-income veteran. For additional information on Habitat for Humanity of York County, visit their website at https://yorkcountyhabitat.org/.

Habitat for Humanity Susquehanna, Bel Air, MD, will utilize $16,157 to support critical repairs and accessibility modifications for one (1) rural low-income veteran in Elkton, MD. For additional information on Habitat for Humanity Susquehanna, visit their website at https://habitatsusq.org/.

New Foundation Development, Inc., Calhoun, GA, will utilize $28,250 to provide critical repairs and ADA accessibility modifications for three (3) low-income rural veteran homeowners in Resaca and Calhoun, GA. For additional information on New Foundation Development, Inc., visit their website at https://nfdinc.org/.

Pensacola Habitat for Humanity, Pensacola, FL, will utilize $30,000 to provide critical home repairs for two (2) rural low-income veterans. For additional information on Pensacola Habitat for Humanity, visit their website at https://pensacolahabitat.org/.

Rebuilding Together Minnesota, Minneapolis, MN, will utilize $30,000 to support the rehabilitation and modification of four (4) veteran owned units. For additional information on Rebuilding Together Minnesota, visit their website at https://rtmn.org/

Rebuilding Together Saratoga County, Ballston Spa, NY, will utilize $30,000 to provide critical repairs and ADA accessibility modifications for four (4) low-income rural veteran homeowners. For additional information on Rebuilding Together Saratoga County, visit their website at https://www.rtsaratoga.org/

Red Feather Development Group, Flagstaff, AZ, will utilize $30,000 to provide critical home repairs for four (4) rural low-income Native American veterans. For additional information on Red Feather Development Group, visit their website at https://www.redfeather.org/.

Swift County Rural Development Authority, Benson, MN, will utilize $30,000 to provide critical repairs, roof, plumbing, HVAC unit and water heater for one (1) very low-income veteran homeowner in Clontarf, MN. For additional information on Swift County Rural Development Authority, visit their website at https://www.swiftcounty.com/hra.

Transylvania Habitat for Humanity, Brevard, NC, will utilize $30,000 to provide critical repairs and accessibility modifications for ten (10) low-income rural veteran homeowners. For additional information on Transylvania Habitat for Humanity, visit their website at https://transylvaniahabitat.org/.

HAC President & CEO, David Lipsetz, testifies in front of the Senate Committee on Banking, Housing, and Urban Affairs Subcommittee on Housing, Transportation, and Community Development

HAC’s CEO Testifies to Senate Banking Subcommittee on Rural Housing Reforms

May 2, 2023/in Advocacy, HAC in the News, News, Policy, Rural News Homeowner Housing, Housing Affordability, Rental Housing, U.S. Department of Agriculture

HAC was honored to be invited to testify on May 2, 2023 before the Housing, Transportation, and Community Development Subcommittee of the U.S. Senate Committee on Banking, Housing, and Urban Affairs to discuss commonsense, bipartisan reforms to the U.S. Department of Agriculture’s Rural Housing Service (RHS) programs. HAC’s President & CEO, David Lipsetz, was one of five witnesses on the hearing panel.

The hearing was held to discuss the bipartisan Rural Housing Service Reform Act of 2023, which has been introduced by Subcommittee Chairwoman Tina Smith (D-MN) and Senator Mike Rounds (R-SD). The RHS Reform Act includes a slate of provisions to improve the multifamily, single-family, and capacity building programs at RHS. Senators Smith and Rounds engaged deeply with stakeholders on the creation of the bill, including offering a call for policy recommendations in the summer of 2022. HAC’s response to that comment opportunity can be seen here. We were thrilled to see many of our recommendations included in the bill, and applaud Senators Smith and Rounds on their thoughtful engagement with stakeholders and their commitment to improving the RHS programs.

Highlights from the RHS Reform Act include:

Multifamily
- Authorizing the Multifamily Preservation and Revitalization (MPR) program and Multifamily Preservation Technical Assistance Program
- Allowing for the decoupling of a Section 515 mortgage and Section 521 Rental Assistance
- Allowing Section 542 rural vouchers to be adjusted based on changes in tenant income
- Streamlining the process for Section 515 nonprofit transfers and increasing the Section 515 nonprofit set aside
Single Family
- Establishing the Native CDFI Section 502 relending program
- Increasing the threshold for the mortgage requirement on a Section 504 home rehab loan from $7,500 to $15,000
- Extending the loan term for a Section 502 loan up to 40 years
Capacity Building
- Authorizing the Rural Community Development Initiative (RCDI) and waiving the matching funds requirement for groups working in areas of persistent poverty
- Requiring RHS to publish more data on their housing programs
- Authorizing funding for much needed technology upgrades at RHS

Watch the Recording Read David’s Testimony HAC’s 2023 Policy Priorities

News Coverage

“Rural housing crunch ‘ripe and ready’ for legislative fix, lawmakers say” – The Hill

Advocates eye farm bill to avert drop in affordable rural housing – CQ Roll Call

April 11, 2023/in Advocacy, HAC in the News, News, Policy Homeowner Housing, Housing Affordability, Rental Housing Development and Preservation, Rural Policy

By Caitlin Reilly

Posted April 11, 2023 at 5:00am

Housing advocates are turning to this year’s farm bill in an effort to steer rural communities away from an affordable housing cliff ahead.

Without action from Congress, rural communities stand to lose more than 100,000 affordable rental units in the next decade as federally subsidized loans used to build the apartments are paid off, ending landlords’ obligations to keep rents low. In a second blow for those renters, they will lose their eligibility for the Agriculture Department’s rental assistance.

“It’s a big problem, and it’s going to only get worse,” said Sarah Saadian, senior vice president of public policy at the National Low Income Housing Coalition.

“The heyday or the peak of rural housing was in the ’70s and ’80s, when their rental housing program was nearly a billion-dollar program, and it’s been cut really dramatically over the last several decades,” Saadian said in an interview. “All of those properties that were built at that time are now reaching the end of the maturity on their 515 mortgage, or the 515 loans that USDA provides in order to get those properties built.”

Advocates are pushing Congress to include provisions in the farm bill that would decouple the two programs, allowing the Agriculture Department to provide rental assistance even after a building’s owner has paid off the subsidized mortgage.

Read the full article

“The biggest issue in rural housing is the rapid loss of the 515 units due to mortgage maturity, prepayments, foreclosures. That is the 800-pound gorilla, or really the $31 billion gorilla over the next 30 years to preserve.”

Jonathan HarwitzHAC’s Director of Public Policyy

HAC Loan Fund Impact Report for FY 2022

March 3, 2023/in About HAC, Impact, Lending CDFI, Homeowner Housing, Housing Affordability

Empowering Veterans Through Collaborative Housing Initiatives: Insights from the 2023 National Rural Housing Conference

1. Incremental changes in language can make veterans more responsive to community partnerships.

2. Housing is part of a broader ecosystem of support.

3. It is crucial for housers to learn from a network of peers.

4. One size does not fit all for veteran housing assistance.

HAC Loan Fund Impact Report for FY 2023

A Methodological Approach to Estimate Residential Heirs’ Property in the United States

Rural Voices: Recovery in Rural America: Housing Helps Address the Substance Use Disorder Crisis

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