Apartments for Low Income

Questions and Answers

Your Questions About Low Income Housing Projects

July 12, 2013

Steven asks…

How will the oil spill in the gulf of mexico affect our economical sustainability?

I need this for a school project. If possible could you please give me statistics on how much the clean up will cost and the value of oil that has been wasted? much appreciated

Administrator answers:

I live here in South Florida and have for many years, this oil spill not only affects the Gulf of Mexico, but Cuba, Key West, the Gulf Coast of Florida and as it continues in the Gulf Stream (which is a powerful current deep river that goes around the coast line of Florida and up the east coast.). The cost is immeasurable, no amount of money can ever help this horrific tragedy of biblical proportions.

In an already weak economy, this will affect the lives and incomes of millions of people. Who will no longer be able to pay for their housing, or put food on the table. This event is actually bigger than Katrina and the World Trade Center. And, I never thought that could ever happen.

Thirty percent of our seafood comes from the Gulf, so people all through the country will find the prices high. Tourism will be non existent. Hotels will go unfilled, restaurants will have no customers. Casino’s will have no gamblers. The Fishermen, who have huge payments to make to the bank for the use of these boats will have no way to pay them. When they bring the seafood in, it goes in a warehouse that hires hundreds of people to clean and prepare the fish for market.

The beautiful pristine waters of the Florida Keys has the best snorkeling on this side of the planet, the coral *which is a living thing” was already suffering from the pollution, however now with the spill it will become a dead zone. The news media has no idea how much oil is spilling into the ocean, the BP officials keep it low, while the scientist say it’s ten times worse than they are telling us. They say the hole is 2 inches, while it looks like it’s nearly 2 ft, bearing in mind that two other holes have burst through the ocean’s floor.

So no one knows how much oil is being wasted nor do they care. People are only interested in the environment our wet lands, our nature reserves, our fishing industry, our tourism, our incomes and our way of life, that will never be the same. For many decades.

I watched a show recently about the oil spill in Alaska at Prince William Sound, 10 yrs later. The fish have not come back, most have no income and many have committed suicide. There lives and their lively hood destroyed. There is no economical sustainability for a tragedy of this proportion. Too many lives will be affected and not enough money in the world can repair the damage to not only our wildlife, but our lives as well.

Laura asks…

What should i name my graduation project?

The project is low income housing to replace informal settlements of the city outskirt. (Beirut)

Administrator answers:

New Hopes and a New Home: Beirut’s answer to the housing crisis.

Michael asks…

When is Newark Mayor Cory Booker going to come to his senses and stop building these housing projects?

Voltaire had once wrote “one must also be well mannered”. We already know that once the commoners are ignorant and superstitious they are their own catalyst for their persistent autonomous, self-replicating plight of the commoners. These residents tend to cling to the “Baptist Churches” so much, they are voluntarily blind to the for-profit groups that take advantage of the uneducated. Those housing projects are breeding grounds for drugs and gangs. If the people are weary of the “harassment” of the police officers, then why are the taxpayers punished and forced sacrificing their hard earned resources to keep them there? This man needs to open his eyes and learn that they only way to resolve this issue is to teach the inner city underclass responsibility.

Why not simply abolish the Section 8/HUD such as what NJ Governor Christie had suggested? Crime is likely to drop as there would be no more housing projects for drug dealers and gang members to nest in.

Administrator answers:

HUD exists not because of Mayors but because of low income housing needs. If you want it to cease existence you can work with a developer or contractor and build prefabricated homes, rehab existing homes at a low price for low income people and still make a profit. HUD continues because the market isn’t interested in those type of housing.

Sorry about the misspelling

Susan asks…

What are some struggles of a teenage parent?

I want to find out how many of you know someone who is pregnant or has kids and they are under the age of 18.
It is for a project for my Senior Finals in High school.

I just want any facts about teenage parenthood and how do you think it can be prevented in a low income community.

Thank you guys! :)

Administrator answers:

I was a teen parent. My family was lower-middle class. We weren’t in poverty but we didn’t have a lot of “slack” in my family either. I’m 38 now and my son is 22. I managed to finish high school with honors, attended college on an academic scholarship- at a college that had family housing and daycare so it was the best of all worlds. In a lot of ways- we were a complete success.

My biggest struggles were financial. Now that I’m much older and stable in a career- it would be a lot easier to have a child. Because I didn’t have a car, had no money for clothes and even good food, and I didn’t have health insurance and had to rely on low cost clinics (that weren’t always open when we needed to see a doctor and were very hard to get to). We never had government assistance- not because we didn’t qualify- but because I had no transportation and would have had to miss class too much to wait in line to apply and renew several times a year.

Another struggle was maturity. I really believed I was mature- and I read a lot of parenting books and always tried to do things “right” when raising my child. Even though I was more mature than most girls my age, I wasn’t as mature as I am today. I got frustrated sometimes with a screaming baby or toddler and I didn’t have my child’s father around to help.

I think the best way to prevent teen parenthood is to give girls opportunities. My parents probably couldn’t have been able to afford to send me to college if I wasn’t a mom- because I was a single mom, I was eligible for loans (because even with a scholarship there are costs of attending school: housing, meals, books ect). I also wasn’t motivated to try really hard in school until having my son made me face reality. If young people really have opportunities and motivations- they can probably really get serious about making good lives for themselves even if they don’t have children to worry about.

Another important thing is access to birth control. Abstinence education just doesn’t work. I knew about the risks of pregnancy before I got pregnant- and had even been on the pill- but I had no way to get to the closest planned parenthood to renew my prescription. If I could have talked openly about sex with my mom or another adult- and got a reliable form of birth control- I probably would never have gotten pregnant in the first place.

Finally- safe and affordable access to abortion without judgement. Accidents happen to women of all ages. Older women (even anti-choice women) are more likely to have access to an abortion if they have an unwanted pregnancy. When I discovered I was pregnant, I considered abortion but wouldn’t do it because i felt it was wrong. I’ve changed my view about abortion since then. Even though it’s not an easy thing to do- sometimes it’s the best choice- and every woman and girl should have that option.

Sandy asks…

Does anyone know if there are any types of first time home buyer loans out there to repair houses?

We’re looking to buy a home that needs some work. We were wondering if there were any types of loans out there that would allow us extra $ to fix it up. We know about rural housing already, but the house would have to pass inspection which in the condition its in now, wouldn’t happen. So we’re just looking at different loans that are available to us that could help us out a bit. Thanks!
Also, we want a fixed low rate. We have good credit.

Administrator answers:

The following is a summary of information about an assistance program or grant available to individuals or families through an agency of the U.S. Government. (“CFDA No.” is the program’s listing number in the Catalog of Federal Domestic Assistance.)

CFDA No. 10.417 VERY LOW-INCOME HOUSING REPAIR LOANS AND GRANTS

CATEGORY: Housing Assistance

OBJECTIVES
To give very low-income rural homeowners an opportunity to make essential repairs to their homes to make them safe and to remove health hazards to the family or the community.

TYPES OF ASSISTANCE
Direct Loans; Project Grants

USES AND USE RESTRICTIONS
The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners in rural areas to repair, improve, or modernize their dwellings or to remove health and safety hazards. Grant funds are only available to homeowners aged 62 or older who cannot repay a Section 504 Loan. This includes repairs or replacement of heating, plumbing or electrical services, roof or basic structure as well as water and waste disposal systems, and weatherization. Loans bear an interest rate of one percent and are repaid over a period up to 20 years. In addition to the above purpose, loan funds may be used to modernize the dwelling. Maximum loan amount cannot exceed a cumulative total of $20,000 to any eligible person and a maximum lifetime grant assistance is $7,500 to any eligibile person. The house must be located in an eligible rural area which does not not exceed 10,000 population. Some places with population between 10,000 and 25,000 may be eligible if not within a Metropolital Statistical Area (MSA). Assistance is available in States, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, the Commonwealth of Northern Mariana’s and the Trust Territories of the Pacific Islands.

ELIGIBILITY REQUIREMENTS
Applicants must own and occupy a home in a rural area; and be a citizen of the United States or reside in the United States after having been legally admitted for permanent residence or on indefinite parole. Loan recipients must have sufficient income to repay the loan. Grant recipients must be 62 years of age or older and be unable to repay a loan for that part of the assistance received as a grant. Applicant’s income may not exceed the very low-income limit set forth in RD Instructions.

INFORMATION CONTACTS
Regional or Local Office: Consult your local telephone directory for Rural Development county office number. If no listing, contact your Rural Development State office listed in Appendix IV of the Catalog or visit http://www.rurdev.usda.gov/recd_map.html.

Headquarters Office: Director, Single-Family Housing Processing Division, Rural Housing Service, Department of Agriculture, Washington, DC 20250. Telephone: (202) 720-1474. Use the same number for FTS.

Web Site Address http://www.rurdev.usda.gov.

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