NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so. you are never more than one click away from the information you need. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. FEDERAL HOMELESSNESS ASSISTANCE PROGRAM HOPWA provides housing assistance and supportive services to low-income individuals living with HIV/AIDS and experiencing homelessness (or at risk of becoming homeless). The program has been in place since the passage of the AIDS Housing Opportunities Act of 1990. The main goal is to provide persons living with HIV/AIDS stable

housing while

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS HOW THE 4 PERCENT TAX CREDIT PROGRAM WORKS The 4 percent low-income housing tax credit program is a critical but underutilized source of federal financing for affordable homes. A rental development automatically qualifies for the 4 percent LIHTC if it receives at least 50 percent of its financing through tax-exempt private-activity bonds and meets either of the following income criteria:. 40 percent of the units are rented at an EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

DAVID M. DWORKIN

David M. Dworkin is the 17 th president and chief executive officer of the National Housing Conference, the nation’s oldest housing coalition, founded in 1931. Prior to joining NHC in 2018, Mr. Dworkin was a senior policy adviser at the U.S. Department of the Treasury, where he advised Treasury Department officials on matters related to NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so. you are never more than one click away from the information you need. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. FEDERAL HOMELESSNESS ASSISTANCE PROGRAM HOPWA provides housing assistance and supportive services to low-income individuals living with HIV/AIDS and experiencing homelessness (or at risk of becoming homeless). The program has been in place since the passage of the AIDS Housing Opportunities Act of 1990. The main goal is to provide persons living with HIV/AIDS stable

housing while

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS HOW THE 4 PERCENT TAX CREDIT PROGRAM WORKS The 4 percent low-income housing tax credit program is a critical but underutilized source of federal financing for affordable homes. A rental development automatically qualifies for the 4 percent LIHTC if it receives at least 50 percent of its financing through tax-exempt private-activity bonds and meets either of the following income criteria:. 40 percent of the units are rented at an EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

DAVID M. DWORKIN

David M. Dworkin is the 17 th president and chief executive officer of the National Housing Conference, the nation’s oldest housing coalition, founded in 1931. Prior to joining NHC in 2018, Mr. Dworkin was a senior policy adviser at the U.S. Department of the Treasury, where he advised Treasury Department officials on matters related to SHARED-EQUITY HOMEOWNERSHIP: THE BASICS Shared equity homeownership programs are typically run by a state or local government or a nonprofit housing organization to provide financing to help low- and moderate-income families purchase a home. In return, the family shares the value of any home price appreciation that may occur while living there with the program (and, by extension,

the

RACIAL EQUITY REQUIRES THAT WE RAISE THE STANDARD OF CARE The concept of “standard of care” is well known in professions such as medicine and law. It represents the benchmark for accepted practices in the job based on how “a reasonable professional in that position or industry would have under the circumstances based on then-existing knowledge.” SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

HOUSING INFRASTRUCTURE MUST BE A PRIORITY Housing infrastructure must be a priority. This week President Biden is expected to announce plans for a multi-trillion dollar infrastructure initiative. The proposal is expected to be split into two parts – an initial bill that would fund traditional transportation projects; and a second bill addressing broader domestic

social priorities

THE FIGHT TO END VETERAN HOMELESSNESS There are three overarching challenges that, if addressed, will accelerate progress on veteran homelessness. The biggest universal challenge related to ending veteran homelessness is housing affordability. High cost, low vacancy rental housing markets both make it easier for veterans to become homeless and harder for them to escape homelessness. CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICY In 2010, the City of San Jose, Calif. imposed an inclusionary housing ordinance, which required developments of 20 or more residential units to set aside 15 percent as affordable, either on-site or off-site. Alternatively, developers could pay a $122,000 in-lieu fee per required unit. The California Building Industry Association argued

that

AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES AND Despite the wealth of state and local policy innovations and success, the volume of affordable rental homes preserved still falls well short of what’s needed to NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about #affordablehousing. As we start a new decade, it’s a great time to reconsider how we advocate for housing. The way we communicate has shifted drastically since 2010. In the last decade, social media became the go-to platform for communication; digital resources

outpaced print

INSIGHTS HOUSING RESEARCH IN. SIGHTS. Housing . Policy Research. from THE CENTER FOR HOUSING POLICY IS THE RESEARCH DIVISION OF THE. The Impacts of Affordable Housing . on Health: A Research Summary NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about #affordablehousing. As we start a new decade, it’s a great time to reconsider how we advocate for housing. The way we communicate has shifted drastically since 2010. In the last decade, social media became the go-to platform for communication; digital resources

outpaced print

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about #affordablehousing. As we start a new decade, it’s a great time to reconsider how we advocate for housing. The way we communicate has shifted drastically since 2010. In the last decade, social media became the go-to platform for communication; digital resources

outpaced print

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so. you are never more than one click away from the information you need. RACIAL EQUITY REQUIRES THAT WE RAISE THE STANDARD OF CARE The concept of “standard of care” is well known in professions such as medicine and law. It represents the benchmark for accepted practices in the job based on how “a reasonable professional in that position or industry would have under the circumstances based on then-existing knowledge.” THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. LAND BANKS AND COMMUNITY LAND TRUSTS The Center for Community Progress (CCP), which focuses on the remediation of vacant property, has made land banks a central part of its advocacy efforts. According to CCP, there are around 120 land banks in operation in the United States. Most of these are found in the states of Michigan, Ohio, and Georgia, though eight other states

have passed

FEDERAL HOMELESSNESS ASSISTANCE PROGRAM HOPWA provides housing assistance and supportive services to low-income individuals living with HIV/AIDS and experiencing homelessness (or at risk of becoming homeless). The program has been in place since the passage of the AIDS Housing Opportunities Act of 1990. The main goal is to provide persons living with HIV/AIDS stable

housing while

ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published AUTHOR: THEODORE “TEDDY” FLO Racial equity requires that we raise the standard of care in fair

lending

HOME REHABILITATION ASSISTANCE Home Rehabilitation Assistance. State and local homeowner rehabilitation (rehab) assistance programs provide low- and moderate-income homeowners with grants or low-cost loans to improve the physical condition of their home. The primary goal of rehab assistance programs is to enable income-eligible homeowners to make critical repairs to improve RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS The covenant-established resale price is equivalent to the seller’s purchase price plus any expected costs related to the sale of the home and a portion of equity earned (determined by multiplying the seller’s purchase price by either the change in AMI or the change in the CPI, whichever is NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about #affordablehousing. As we start a new decade, it’s a great time to reconsider how we advocate for housing. The way we communicate has shifted drastically since 2010. In the last decade, social media became the go-to platform for communication; digital resources

outpaced print

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS NATIONAL HOUSING CONFERENCE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas. Learn More. The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about #affordablehousing. As we start a new decade, it’s a great time to reconsider how we advocate for housing. The way we communicate has shifted drastically since 2010. In the last decade, social media became the go-to platform for communication; digital resources

outpaced print

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so. you are never more than one click away from the information you need. RACIAL EQUITY REQUIRES THAT WE RAISE THE STANDARD OF CARE The concept of “standard of care” is well known in professions such as medicine and law. It represents the benchmark for accepted practices in the job based on how “a reasonable professional in that position or industry would have under the circumstances based on then-existing knowledge.” THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING President Biden announced a $2.25 trillion infrastructure plan, the American Jobs Plan, that includes the Neighborhood Homes Investment Act (NHIA) among $213 billion in affordable housing investments that could also include expansions of the Low-Income Housing Tax Credit, public housing capital funding, and other programs. LAND BANKS AND COMMUNITY LAND TRUSTS The Center for Community Progress (CCP), which focuses on the remediation of vacant property, has made land banks a central part of its advocacy efforts. According to CCP, there are around 120 land banks in operation in the United States. Most of these are found in the states of Michigan, Ohio, and Georgia, though eight other states

have passed

FEDERAL HOMELESSNESS ASSISTANCE PROGRAM HOPWA provides housing assistance and supportive services to low-income individuals living with HIV/AIDS and experiencing homelessness (or at risk of becoming homeless). The program has been in place since the passage of the AIDS Housing Opportunities Act of 1990. The main goal is to provide persons living with HIV/AIDS stable

housing while

ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. Over time,

zoning has

SHARED EQUITY MODELS OF OWNERSHIP Shared Equity Models of Ownership. There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. For a more in-depth discussion of these models, see John Davis’ report on shared equity models, published AUTHOR: THEODORE “TEDDY” FLO Racial equity requires that we raise the standard of care in fair

lending

HOME REHABILITATION ASSISTANCE Home Rehabilitation Assistance. State and local homeowner rehabilitation (rehab) assistance programs provide low- and moderate-income homeowners with grants or low-cost loans to improve the physical condition of their home. The primary goal of rehab assistance programs is to enable income-eligible homeowners to make critical repairs to improve RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS The covenant-established resale price is equivalent to the seller’s purchase price plus any expected costs related to the sale of the home and a portion of equity earned (determined by multiplying the seller’s purchase price by either the change in AMI or the change in the CPI, whichever is NATIONAL HOUSING CONFERENCE The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about affordable

housing

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NATIONAL HOUSING CONFERENCE The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about affordable

housing

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so you are never more than one click away from the information you need. RACIAL EQUITY REQUIRES THAT WE RAISE THE STANDARD OF CARE The concept of “standard of care” is well known in professions such as medicine and law. It represents the benchmark for accepted practices in the job based on how “a reasonable professional in that position or industry would have under the circumstances based on then-existing knowledge.” THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. FEDERAL HOMELESSNESS ASSISTANCE PROGRAM Many people experiencing homelessness are housed through rental assistance, vouchers and public housing. Outside of those mainstream programs, there are a number of federal programs that work to house people experiencing homelessness, directly or indirectly. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AUTHOR: THEODORE “TEDDY” FLO Racial equity requires that we raise the standard of care in fair

lending

LAND BANKS AND COMMUNITY LAND TRUSTS Land Banks. Land banks are created by local jurisdictions – usually as a public entity but occasionally as an independent nonprofit –to hold abandoned, vacant, HOME REHABILITATION ASSISTANCE State and local homeowner rehabilitation (rehab) assistance programs provide low- and moderate-income homeowners with grants or low-cost loans to improve the physical condition of their home. RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS One of the most important technical issues with shared equity programs is determining how resale restrictions will actually work. There are numerous formulas that can be used to set the maximum resale price in shared equity programs. NATIONAL HOUSING CONFERENCE The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about affordable

housing

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

NATIONAL HOUSING CONFERENCE The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED-EQUITY HOMEOWNERSHIP: THE BASICS EMERGENCY RENT ASSISTANCE PROGRAM EMERGENCY RENT ASSISTANCE PROGRAM If your tenant is experiencing a financial hardship with paying your rent due to COVID-19 (Coronavirus Pandemic) the Emergency Rent Assistance Program for the City of Charlotte (ERAP-CLT) may be able to assist you. SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AFFORDABLE RENTAL HOUSING PRESERVATION: POLICIES ANDSEE MORE ON

NHC.ORG

NEW DECADE, NEW STRATEGIES TO ADVOCATE & COMMUNICATE ABOUT New decade, new strategies to advocate & communicate about affordable

housing

RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS CHALLENGES TO ENACTING AN INCLUSIONARY HOUSING POLICYSEE MORE ON

NHC.ORG

COVID-19 RESOURCE CENTER Covid-19 Housing Resource Center. NHC has compiled COVID-19 resources from every facet of the housing industry so you are never more than one click away from the information you need. RACIAL EQUITY REQUIRES THAT WE RAISE THE STANDARD OF CARE The concept of “standard of care” is well known in professions such as medicine and law. It represents the benchmark for accepted practices in the job based on how “a reasonable professional in that position or industry would have under the circumstances based on then-existing knowledge.” THE BIDEN INFRASTRUCTURE PLAN AND ITS EFFECT ON HOUSING Buzz Roberts is president and CEO of the National Association of Affordable Housing Lenders (NAAHL). This note originally appeared in

NAAHL's Daily

SHARED EQUITY MODELS OF OWNERSHIP There are three models of ownership in the United States that can be included in the category of “shared equity”: deed-restricted homeownership, limited equity cooperatives and community land trusts. FEDERAL HOMELESSNESS ASSISTANCE PROGRAM Many people experiencing homelessness are housed through rental assistance, vouchers and public housing. Outside of those mainstream programs, there are a number of federal programs that work to house people experiencing homelessness, directly or indirectly. ZONING AND AFFORDABLE HOUSING Zoning Basics. Zoning is the use of municipal authority to restrict certain land uses to particular neighborhoods. It defines the allowable uses of certain areas, whether it is for residential, commercial or industrial use, or some combination of these. AUTHOR: THEODORE “TEDDY” FLO Racial equity requires that we raise the standard of care in fair

lending

LAND BANKS AND COMMUNITY LAND TRUSTS Land Banks. Land banks are created by local jurisdictions – usually as a public entity but occasionally as an independent nonprofit –to hold abandoned, vacant, HOME REHABILITATION ASSISTANCE State and local homeowner rehabilitation (rehab) assistance programs provide low- and moderate-income homeowners with grants or low-cost loans to improve the physical condition of their home. RESALE FORMULAS USED IN SHARED EQUITY PROGRAMS One of the most important technical issues with shared equity programs is determining how resale restrictions will actually work. There are numerous formulas that can be used to set the maximum resale price in shared equity programs.

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------------------------- PAYCHECK TO PAYCHECK NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in

metropolitan areas

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CELEBRATING 90 YEARS OF HOUSING LEADERSHIP Learn more about NHC's rich history

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OUR AMERICAN HOME

In light of the latest infrastructure news, NHC's David Dworkin reminds us of NHC's founding slogan: "Housing is jobs and jobs are

housing."

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JOIN NHC!

Join our network of over 300 members who include leaders in lending, homebuilding and affordable housing advocacy, Realtors© & more!

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COVID-19 AND HOUSING Our COVID-19 Housing Resource Center has close to 2,000 helpful resources from every facet of the housing industry

Learn More

PAYCHECK TO PAYCHECK NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in

metropolitan areas

Learn More

CELEBRATING 90 YEARS OF HOUSING LEADERSHIP Learn more about NHC's rich history

Learn More

OUR AMERICAN HOME

In light of the latest infrastructure news, NHC's David Dworkin reminds us of NHC's founding slogan: "Housing is jobs and jobs are

housing."

Learn More

JOIN NHC!

Join our network of over 300 members who include leaders in lending, homebuilding and affordable housing advocacy, Realtors© & more!

Learn More

COVID-19 AND HOUSING Our COVID-19 Housing Resource Center has close to 2,000 helpful resources from every facet of the housing industry

Learn More

PAYCHECK TO PAYCHECK NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in

metropolitan areas

Learn More

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The National Housing Conference is dedicated to ensuring safe, decent and affordable housing for all in America. We have been defending our American Home since 1931. Learn more about NHC »

RESOURCES

PAYCHECK TO PAYCHECK DATABASE NHC’s annual release of Paycheck to Paycheck provides insights into the ability of working households to afford typical housing in metropolitan areas across the country. Select one of 81 occupations --Select an Occupation--AccountantAdministrative Asst.Affordable Housing Occupancy SpecialistAssemblyline WorkerAuto MechanicBank TellerBartenterBilling ClerkBookkeeping ClerkCardiac TechnicianCarpenterCase ManagerCashierChild Care WorkerCivil EngineerComputer ProgrammerComputer Support SpecialistConstruction ManagerCustomer Service Rep.Data Entry KeyerDelivery Truck DriverDental AssistantDental HygienistDishwasherDrivereCommerce Customer Service RepElec. Engineering Tech.ElectricianEMTEnvir. Engineering Tech.Family Social WorkerFarmworkerFast Food CookFire FighterFlight AttendantFood Prep WorkerFood Service ManagerGeneral ManagerGeriatric Nurse (RN)Graphic DesignerGroundskeeperHome Health AideHotel Front Desk ManagerHousekeeperHR GeneralistHVAC MechanicJanitorLaundry WorkerLeasing ConsultantLegal SecretaryLibrarianLoan OfficerLonghaul Truck DriverMachinistMaint./Repair WorkerMedical Billing ClerkMedical Records TranscriptionistNews ReporterNurse (LPN)Nurse (Registered)Nursing AideOffice ClerkPackager (Manual)ParalegalParking Lot AttendantPhysical TherapistPhysical Therapy AidePlumberPolice OfficerPrison GuardPublic School TeacherReceptionistRetail ManagerRetail SalespersonSchool Bus DriverSecretarySecurity GuardStock ClerkStock Mover (Manual)WaitressWelder Choose Metro Areas OUR AMERICAN HOME BLOG

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HOUSING IS JOBS AND JOBS ARE HOUSING May 31, 2021 | David Dworkin

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INFLATION, INTEREST RATES AND LEARNING THE RIGHT LESSONS FROM THE

PAST FOR THE FUTURE

May 23, 2021 | David Dworkin

*

THE RISK OF LEARNING THE RIGHT LESSONS FROM THE WRONG CRISIS May 16, 2021 | David Dworkin

*

HOUSING IS TOO EXPENSIVE. BUT IT CAN ALSO BE TOO CHEAP. May 9, 2021 | David Dworkin

WHAT WE ARE READING

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VISUALIZING THE RECENT EXPLOSION IN LUMBER PRICES June 3, 2021 | Visual Capitalist

*

CLIMATE CHANGE THREATENS TO DISPLACE BANGOR RESIDENTS WHO RELY ON

AFFORDABLE HOUSING

June 3, 2021 | Bangor Daily News

*

COLORADO CITIES CAN NOW REQUIRE AFFORDABLE HOUSING IN NEW DEVELOPMENTS — WITH A CATCH June 3, 2021 | Colorado Public Radio

*

AN “ANTI-NIMBY” BILL WILL SOON BE LAW IN VIRGINIA. WILL IT HAVE AN IMPACT ON AFFORDABLE HOUSING? May 27, 2021 | Greater Greater Washington

COVID-19

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POLICY & PRESS

POLICY

* NHC joins housing stakeholders in asking White House to address surging prices for lumber and other housing materials

May 26, 2021

* NHC joins organizations to urge lawmakers to provide additional funding for HUD’s Family Self-Sufficiency program

April 30, 2021

* NHC joins organizations to comment on CFPB’s Notice of Proposed Rulemaking on delaying the mandatory compliance date with the General

QM Loan Definition

April 5, 2021

* NHC’s comments on the Federal Reserve’s Advance Notice of Proposed Rulemaking to modernize the Community Reinvestment Act

February 16, 2021

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NHC IN THE NEWS

* Fight looms over down payment aid to close racial wealth gap May 25, 2021 | Politico * Biden targets housing rules that hurt low-income earners. Will the

suburbs buy in?

May 19, 2021 | Los Angeles Times * Housing groups organize against NIMBYs May 18, 2021 | HousingWire * Housing supply prices going ‘through the roof,’ affects new

home prices: Expert

May 14, 2021 | FOX Business View NHC in the News »

PRESS RELEASES

* Statement of NHC President and CEO David M. Dworkin on the reintroduction of the Yes in My Backyard (YIMBY) Act

May 14, 2021

* National Housing Conference announces new policy and research

director

April 15, 2021

* Statement of NHC President and CEO David M. Dworkin on Treasury Department’s guidance on the Homeowner Assistance Fund

April 14, 2021

* Statement of NHC President and CEO David M. Dworkin on Disparate Impact and Affirmatively Furthering Fair Housing regulations

April 14, 2021

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