Posts

Transitioning Renters to Homeowners

Photo: Esperanza sits in the living room of her home.

When a HUD-approved housing counselor at ACTS Housing first met Esperanza, she was on her hands and knees scraping old tile off the floor of her new home, debris flying everywhere.  In that moment, her housing counselor knew she was a woman on a mission.

Esperanza went to ACTS Housing, a HUD-approved housing agency, because she was tired of paying high rental costs. “Half of my check goes to the rent,” said Esperanza. “With three kids, I was ready. I’ve been saving so long and my kids deserve more.”

The first step in Esperanza’s homeownership journey was a meeting with Maria Santos, Director of Homebuyer Counseling for ACTS Housing.  Maria Santos, pulled Experanza’s credit report, walked her through various housing options, and supported her every step of the way. Maria explained, “Esperanza was a joy to work with. She was passionate and focused on homeownership from day one.”

With Maria’s help, Esperanza purchased a property that had been in foreclosure on the South Side of Milwaukee, and renovated it into the home of her dreams. Having worked in the construction trade for five years, Esperanza had the perfect skillset to take on such a big project. She explained, “Once I got the house, the kids were excited because everyone has their own room now. And, I have more money in my pocket.” Esperanza, her three children, their dog and cat are now happy and cozy in their newly renovated South Side home.

Maria explains that watching homeowners like Esperanza achieve their home buying dreams makes her job worthwhile. “The most rewarding part of my work is watching families overcome obstacles and move closer to homeownership,” said Maria. “I work with a lot of incredibly strong individuals who work hard to become homeowners. Once the keys are in hand, it makes all the hard work worth it.”

ACTS Housing is thankful for Esperanza’s commitment to her family and her home. She has joined a cohort of more than 2,200 ACTS families since 1995 who have done the hard work necessary to become homeowners throughout Milwaukee.

Read the latest issue of The Bridge from HUD’s Office of Housing Counseling or subscribe at TheBridge@hud.gov.

Transitioning Renters to Homeowners
Transitioning Renters to Homeowners

Enforcing Fair Housing 49 Years after the Fair Housing Act

As we come to the end of this year’s Fair Housing Month, HUD’s Office of Fair Housing and Equal Opportunity is reenergized and even more committed to creating equality in housing by enforcing the Fair Housing Act.

We do this by investigating each housing discrimination complaint that is filed with HUD by members of the public and fair housing groups around the country.  We also initiate investigations in the name of HUD’s Secretary when necessary.  When a person or family is denied housing because of who they are, what they look like, or where they come from, it limits housing opportunities and the promise of a richer life and future. It’s also illegal.

Enforcing the Fair Housing Act means removing those often-invisible barriers that keep people from renting or buying a home – barriers such as landlords lying about the availability of units when they see an applicant in a wheelchair; or ignoring a family’s steady income and good credit because they are African-American or Hispanic.

The Fair Housing Act of 1968 prohibits discrimination based on race, color, national origin, religion, sex, familial status, and disability.  Still, nearly a half century later, housing discrimination still exists.  Last year alone, HUD and our partners fielded more than 8,300 complaints alleging discrimination based on one or more of these seven bases.

Often, those who file fair housing complaints and those who allegedly did the discriminating come to an agreement and settle out of court. These agreements often include monetary relief for victims of discrimination. But more importantly, they help to make housing providers and municipalities aware of their obligations under the Fair Housing Act and the Act’s prohibitions against discrimination.

Just a few months ago, for example, the City of Phoenix signed a Voluntary Compliance Agreement after the Southwest Fair Housing Council and the Arizona Fair Housing Center alleged that the city’s Housing Choice Voucher Program did not make its online pre-application process fully accessible to those with disabilities or to people with limited English proficiency. Under the agreement, these barriers were removed.

Sometimes just one individual, family or landlord is involved. In one case, a Minnesota landlord was ordered to pay $27,000 to a woman with disabilities he had denied housing to, as well as a $16,000 civil penalty.  Between larger, more systemic cases and individual cases, fair housing cases that HUD settled in 2016 resulted in more than $25 million in monetary relief.

Filing a complaint is free and easy, and HUD will investigate it free of charge as part of its efforts to enforce the Fair Housing Act. If you or a member of your family or community believes their rights have been violated, you can call the fair housing toll-free number at (800) 669-9777 to file a complaint, or file a complaint online.

No one has the right to limit your housing choices, and if they do HUD will be there to enforce the law so that everyone has an equal shot at obtaining the home of their choosing.

Timothy Smyth is the Deputy Assistant Secretary for Enforcement and Programs in HUD’s Office of Fair Housing and Equal Opportunity.

 

Enforcing Fair Housing 49 Years after the Fair Housing Act
Enforcing Fair Housing 49 Years after the Fair Housing Act

Knowing Your Rights the Best Ally to Ending Housing Discrimination

This Fair Housing Month, HUD is partnering with dozens of national, state, local and nonprofit partners throughout the nation to promote fair housing facts and ideals.

We do this every year because for many people who face housing discrimination, the worst thing is not knowing their rights. Since 1968, the Fair Housing Act has protected people from housing discrimination under seven core categories: Race, Color, National Origin, Religion, Sex, Familial Status and Disability.

Still, last year HUD and our Fair Housing Assistance Program partners received more than 8,300 complaints alleging some form of discrimination under these categories. Every day, discrimination still happens. Sometimes it’s a blatant ad that says “No Kids.” But often, it’s a subtle lie to a single mom, a person in a wheelchair or to an immigrant of “Sorry, the apartment has been rented.”

Is this discrimination? It may or may not be, but under the Fair Housing Act, you have the right to report the incident and HUD will investigate it. Part of our goal is to help families recognize discrimination when it happens.

Our 2016 Annual Fair Housing Report to Congress details the public education work HUD’s Office of Fair Housing conducts to try to educate families and individuals on their rights so they can exercise their rights and report discrimination.

For example, HUD’s Fair Housing Initiatives Program (FHIP) awarded $38 million in competitive grants last year to 155 organizations to help enforce the Fair Housing Act, and to educate the public and industry stakeholders on the latest fair housing developments. This includes “Know Your Rights” workshops, trainings, speaking engagements, newsletters and community presentations.

And as part of the Education and Outreach Initiative, the FHIP program awards up to $1 million for a national media campaign each year. In 2016, the National Fair Housing Alliance received the grant to develop a multimedia educational campaign titled A Zip Code Should Not Determine a Child’s Future.

If you want materials to help educate others in your neighborhood or community, you can also go to HUD’s website to download other fair housing posters and materials, such as printable brochures.

Finally, if you or a member of your family or community believes their rights have been violated, you can call the fair housing toll-free number at (800) 669-9777 to file a complaint, or you can file a complaint online.

Together, with the right information, we can put an end to housing discrimination.

Krista Mills is HUD’s Deputy Assistant Secretary for Fair Housing and Equal Opportunity.

Knowing Your Rights the Best Ally to Ending Housing Discrimination
Knowing Your Rights the Best Ally to Ending Housing Discrimination

Must-Have Safety Features in Your Next Work Vehicle

By Kristen Kreibich For many small-business owners, shopping for a new work vehicle begins by creating a list of wants and needs. You may need a heavy-duty pickup truck to expand your landscaping business. You may want it in forest green to match the branding of the company. While capability, efficiency and even a particular […]
Must-Have Safety Features in Your Next Work Vehicle
Must-Have Safety Features in Your Next Work Vehicle

The top method of writing an essay

The right strategy of writing an essay

Most discovering out institutions the globe more than have adopted essay writing as an essential subject matter that is helpful in shaping the future endeavors of their respective students. Essay writing as a topic is very regarded specially on the topic of professionalism and ability improvement.

They are the fundamental actions of writing an efficient essay. Nonetheless, most students nonetheless grapple using the practice of writing excellent essays even though they know every factor to finish with excellent essay writing approaches.Hence, an excellent number of students use distinct alternatives to produce confident they submit their essay writing assignments inside the provided deadline to escape from any sorts of punishments.The right option to writing an essay your self is purchasing an essay from a professional writer.Need to you chose this way, all you may need to complete is generally to hunt for a writer who can give you with high-quality writing and will do all of the essay writing for you personally personally for which he will charge some cash. Here is how it operates.

Order essay now to enhance your academic performance

If you would like to acquire the largest amounts of benefits, then you definitely want to possess to make positive which you make a decision to buy essay from reliable on the web internet site. Ordering essay over the web will not only present you with all the greatest good top quality writing, however it may also assist you to save a great deal of funds. The crucial cause is primarily since such essays are of higher quality as a result of reality they’ve been written by skilled writers.

Precisely where a single can acquire essay

For one certain to become within a position to understand the best outcomes, it really is excellent to buy your essay from on the web websites. This really is simply since they will not be only reliable but moreover supply you using the ideal essay you happen to be in a position to ever discover within the market place. The other problem would be the truth that it can be truly low-cost to buy an essay internet primarily based as opposed to sourcing it from any other place.

It truly is advisable to be within a position to purchase custom essay by deciding on the extremely ideal writer from a pool of writers about the planet. There is the option of acquiring essays which are customized and this ensures that you just just usually get essays using the highest high-quality.

1 can swiftly order the best essay in USA if he appears in the feedbacks presented by other customers to a writer. Within this way, the writer gets verified which proves that the writer gives superb high-quality performs. Simply because acquiring an essay is normally a crucial step it might be advisable to make sure that you get the best writer for the job. Acquiring an essay is normally a essential step and if you’d like it to finish properly you need to look for the writer tremendously cautiously!

essay outline

Don’t be misled by appealing banners

There are numerous web primarily based writers who post eye-catching banners on their profiles to enhance their possibilities of acquiring additional prospects. Nonetheless, observations have been designed that a number of these writers do in fact supply substandard function and it really is great to check on difficulties just like plagiarism ahead of committing to purchase an essay.

You can get essay USA by basically checking around the feedbacks about that distinct writer by other people. Inside the occasion the feedbacks are very good it implies that the writer delivers amazing solutions. You’ll be capable of purchase evaluation essay and buy essay writing solutions from an individual writer. Even so, it really is ideal to be careful and confirm out within the occasion the writer gives high-quality solutions or if she or he is typically a fraudster.

Comment on Housing’s Role in Reducing the Burden of Asthma by Rebecca Morley

This is a relevant article on the topic:

Contribution of Residential Exposures to Asthma in
US Children and Adolescents (2001) Bruce P. Lanphear, MD, MPH et. al.

Comment on Housing’s Role in Reducing the Burden of Asthma by Rebecca Morley
Comment on Housing’s Role in Reducing the Burden of Asthma by Rebecca Morley

Comment on A Blueprint for Access to Credit for American Families by NewsSprocket | Two Housing Markets for the Two Americas

is not alone: The Federal Housing Administration, which insures many non-prime loans, rolled out a program that officials claim would expand credit as well, and Dodd-Frank rules mandating larger down

Comment on A Blueprint for Access to Credit for American Families by NewsSprocket | Two Housing Markets for the Two Americas
Comment on A Blueprint for Access to Credit for American Families by NewsSprocket | Two Housing Markets for the Two Americas

Comment on The Why of the What We Do by HUD-VASH team puts out call for best practices | Nan McKay and Associates

HUDdle” earlier this week might lift your spirits. The centerpiece of the post, entitled “The Why of What We Do,” is the following letter written by an Iraq war veteran. We think it’s worth reprinting in

Comment on The Why of the What We Do by HUD-VASH team puts out call for best practices | Nan McKay and Associates
Comment on The Why of the What We Do by HUD-VASH team puts out call for best practices | Nan McKay and Associates

Comment on FHA Takes Additional Steps to Bolster Capital Reserves While Minimizing Cost to Borrowers by New Changes To FHA Lending Guidelines

Taken together, these premium changes will enable FHA to increase revenues at a time that is crucial to the sustained longevity of its Mutual Mortgage Insurance (MMI) Fund. Based on current volume projections through the fiscal year of 2013, Carol Galante, FHA Commissioner, estimates this will generate nearly one billion dollars toward the fund.

Comment on FHA Takes Additional Steps to Bolster Capital Reserves While Minimizing Cost to Borrowers by New Changes To FHA Lending Guidelines
Comment on FHA Takes Additional Steps to Bolster Capital Reserves While Minimizing Cost to Borrowers by New Changes To FHA Lending Guidelines

Comment on New HUD rule on Equal Access by Women Sex Health » Lesbian Couple Alleges Bank Of America Discriminated Based On Sexual …

it had come to an agreement with Bank of America to settle a explain of discrimination underneath a new Equal Access to Housing rule. The rule, that went into outcome in Mar 2012, categorically bans taste formed on passionate

Comment on New HUD rule on Equal Access by Women Sex Health » Lesbian Couple Alleges Bank Of America Discriminated Based On Sexual …
Comment on New HUD rule on Equal Access by Women Sex Health » Lesbian Couple Alleges Bank Of America Discriminated Based On Sexual …