Housing Assistance Research Paper

The Federal Housing Administration, otherwise known as the FHA, is a government agency created to help alleviate the case of homelessness in the country. The agency is under the authority of the Department of Housing and Urban Development (HUD), set up in 1934 after the Great Depression. The primary purpose of establishing the FHA is to oversee different insurance programs for single family mortgages, insuring mortgage loans provided by HUD-approved lending institutions. In order to get FHA loans, buyers are required to have a satisfactory credit rating and make a down payment.

The major policy initiatives that were implemented by HUD during the Great Depression were different supporting different projects by trying to increase the homeownership. Some of these projects were Fannie and Freddie, State HFA, Emergency Homeowners Loan Program and the First-time Homebuyer Tax Credit. Fannie and Freddie are exclusive, however they do receive assistance from the government. The Emergency Homeowners Loan Program (EHLP) gives help to mortgage holders who encountered a decrease in wage and confronted dispossession because of unemployment, having employment but not making enough to making ends-meet, or an emergency that was medical in nature. A refundable expense credit made accessible to citizens that were obtaining their first home was the First-Time Homebuyer Tax Credit program. The State FHA was another one, The reasons for supporting such activities were to offer some budgetary help to the residents to empower them when they were either getting ready to purchase a home or settle other obligations. The impacts were to keep

The chapter of this book takes us on a tour of our government and housing policies through the twentieth century and how they affected our lives. The first time the American government started intervening with housing was in 1918 when Congress gave 110 million for two programs for housing war workers. Some people, like Senator William Calder of New York, felt that the government was not made to build houses and saw early housing acts like these as opposite to what the government should be doing with it 's power. Despite these feelings

One way D.C. can enhance the performance of Rapid Re-Housing programs and lower the rate of individuals/families returning back to homelessness is to emulate the model that NYC has been following for the past few years. A few years ago NYC launched the Home to Stay program (Bornstein, 2014). Home to Stay is a partnership between New York’s Department of Homeless Services and four other organizations committed to fighting homelessness (Bornstein, 2014). Home to Stay uses an evidence-based protocol known as Family Critical Time Intervention which is intended to motivate individuals and heads of families over nine months to take an advantage of support services, such as addiction and mental health counseling, conflict mediation, and improvement of job prospects (Bornstein, 2014). The program follows an extensive and rigorous screening procedure in order identify and select the most vulnerable and needy homeless individuals and families who must have access to the supportive services the program provides (Bornstein, 2014). Though Home to Stay does not target the homelessness population as a whole, program expansion is a future possibility. While there is no concrete data that measures the performance of Home to Stay, testimonies from individuals and families that participated in the program indicate that there is a promising future (Bornstein, 2014). Individuals and families that were previously homeless believe that Home to Stay is a

With the impact and push from 1949 Housing Act, the Pruitt-Igoe housing development in St. Louis, Missouri and other high-rise public housing of 50s and 60s became the pioneers of urban renewal movement, and most of them have long recognized as a prototype for the failure of public housing and constantly for well-intentioned governmental policies in general. This essay will look back beyond the impression of the collapse, focusing on exploring the temporal, social, economic and legislative issues, which led to the failure and final death of the public housing.

Public housing first originated during the mid 1900s when the Housing Act was passed by Harry Truman. Public housing is meant to provide housing to low-income families with financial help from the government. Public housings are usually located or set up in low-income areas. Some public housing areas are run down or falling apart because of how much is being spent on it. The federal government should increase its funding for public housing.

Two main reasons contribute to why I would love to become a Housing Ambassador. To help get many prospective and current students excited and involved in campus housing is the first reason. So many people shoot down on campus housing because of the price; however, people do not realize housing is more than just a room you pay for. You live here, study here, and have fun here. There are many events, free stuff, and free food that residence halls and RSA provide for students. I want to be able to show students that off-campus students do not have the same experiences as on-campus students. The second reason I would like to become a Housing Ambassador is for the experience. Ultimately, I would like to become a dean or chancellor of a college in my golden years. Being an Housing Ambassador would provide me with life-long experiences that I could take into my future careers as a business leader, politician, and dean/ chancellor.

It wasn’t until the mid-1800s that housing became a policy issue in the United States. Housing didn’t become an issue until the cities began to create a huge amount of jobs which forced a lot of Americans from the countryside along with immigrants to rush to urban areas in large amounts. The housing arrangements were so poor that there was up to five families cramming in small portions of single family homes. Although the living conditions were poor, policy-makers left cities and states to deal with the issue alone.

Unfortunately this process is not without obstacles and we are a long way off from reaching an ideal system. Lack of resources and funding may leave these clients for an indefinite amount of time in such a program. Supportive housing is growing more limited every day with the increasing homeless population in NYC. Clients with histories of substance abuse or with specific criminal backgrounds such as arson or sexual offenses are close to impossible to be placed. There is also a large number of undocumented clients who are not eligible to housing due to their status. These individuals do not have access to any benefits or entitlements, making it impossible to be placed in supportive housing. There are programs to help them go back to their home

In 1934, Congress created the Federal Housing Administration (FHA) to assist citizens with their housing needs. According to “Department of Housing and Urban Development” on Allgov.com, “In July 1947, the Housing and Home Finance Agency was established to help people buy homes following World War II. Two years later, the Housing Act of 1949 was enacted to help eradicate slums and promote redevelopment in urban areas.” The Department of Housing and Urban Development Act began with the Housing Act of 1949. According to The Department of Housing and Urban Development written by John B. Willmann, “The Act of 1949 added new prestige to the Housing and Home Finance Agency by authorizing broader public housing activity.” The Housing Act of 1949 also promoted urban redevelopment and research on housing and development problems.

The Fair Housing Act of 1968, also known as Title VIII of the Civil Rights Act of 1968; prohibits the selling, renting, and financing of properties based on race, color, sex, or nationality. In 1988, Congress passed the Fair Housing Amendments Act, which expanded the law to prohibit discrimination based on disabilities and family status. Since that act was established, what has the been the correlation between housing and poverty for African-Americans in Cleveland, Ohio?

The Fair Housing Act also popularly known as the 1968 Civil Rights Act was signed into law in April 1968 by then President B. Lyndon (History.com Staff). The piece detailed that it “prohibited discrimination concerning the sale, rental and financing of housing based on race, religion, national origin and sex” (History.com Staff). The Fair Housing act also was meant to be an expansion to the Civil Rights Act of 1964 as it extended its rules and laws since there were no federal enforcement provision in the 1964 act. The act was a direct response to the structural inequality going on during the time and it is noted as the last significant lawmaking accomplishment of the civil rights era (History.com Staff).

The most successful, long term, low-income housing projects are those that use sustainable design and address the social, cultural, and economic needs of residents. Traditionally built low-income housing projects are associated with high crime rates and high mortality rates among the residents who live in them. They do not provide for the needs of residents, resulting in many of the problems these low-income housing projects face today. These problems range from endangerment of human life, psychological afflictions due to the high stresses that are endured by residents, disease epidemics caused by overcrowding and unsanitary living conditions (in combination with a substandard public

for families who need assistance in entrenched support services and housing access. Why exactly would one want to invest government regulated taxes on one of these programs? Poverty rates in Adams County, Pennsylvania continually inflate since the 2009 "Point in Time" study. In 2014, surveys found that the poverty rate, when counting female head of households, rose up to 28.4%; comparable to the state wide’s poverty rate of 11.4%. (ACCESS Housing, 2016). Due to legal actions, the Department of Veterans Affairs has finally begun steadfast actions to build 1,200 supportive housing units. To sustain the transitional housing program, or even launch a program, a substantial amount of funding needs maintaining for bed and program support provisions. Due to the inflation of the homeless in the Adams County region, a transitional housing program needs regulating to aid those who necessitate a home, are trying to hold on to their home, or are in dire need of assistance with housing payments.

Everyone should have the right to housing. The last decade has seen more and more people struggle to maintain or find adequate and affordable housing. This lack of affordability combined with inadequate wages shows us that no one is exempt to being homeless and that it is not a one-size-fits-all issue.