Affordable Housing: The Federal Housing Assistance Programs

Improved Essays
Many people today strive to provide adequate housing for their families. Being in an adequate housing means affordable, safe location, accessibility, privacy, comfort, habitable which includes; suitable lighting, safe water supply, and proper heating and air conditioner system. “Many people live in homes that are unsafe, dilapidated, and inadequate” (McNutt & Hoefer, 2016, p. 255). “Others live in housing that they cannot afford and still more lack any permanent housing at all” (McNutt & Hoefer, 2016, p. 255). The policy that we will be addressing in this paper is the Federal Housing Assistance program.
Federal Housing Assistance Programs
“In the 1930s, many American families lived in seriously deficient housing” (Kingsley, "Trends in Housing

Related Documents

  • Decent Essays

    The Housing Choice Voucher Program allows very low income families the ability to choose their own apartment in Salt Lake County, and rent at rates based on their household income. Most vouchers are used in the private housing market in units operated by private landlords. However, due to the shortage of low cost units in the market, voucher-holders may choose an apartment in one of the existing tax-credit subsidized projects. In these circumstances the system provides the low income voucher-holder a double subsidy. Utah law prevents landlords from discriminating against renters on the basis of source of income.…

    • 200 Words
    • 1 Pages
    Decent Essays
  • Improved Essays

    Research Paper On Felons

    • 927 Words
    • 4 Pages

    Furthermore, it is evident that the homeless population in Bloomington is suffering, due to the lack of affordable housing in the surrounding Bloomington area (Greenberg, 2010, pg. 21). In addition, to the lack of affordable housing Bloomington has array of different emergency housing services for the homeless, but lacks a program that promotes permanent housing (Greenberg, 2010, pg. 26). In fact, while I was volunteering for New Leaf New Life agency I had the chance to learn about the local housing issues that paroles face in the Bloomington community. I discovered that many governmental housing polices restrict paroles from applying for public housing or governmental assistance, like section 8.…

    • 927 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    The Federal Housing Administration (FHA) was created by National Housing Act of 1934. The FHA set standards for mortgages, properties, and buyers and insured loans originated by qualified lenders. While the FHA provided reassurance to mortgage lenders and created liquidity for the housing market, HOLC helped to avert default in the U.S. by refinancing defaulted loans. The Home Owner’s Loan Corporation (HOLC) raised capital by issuing bonds and buying FHA-insured mortgages. Subsequently, the HOLC purchased these toxic financial instruments; they reconstructed mortgages.…

    • 120 Words
    • 1 Pages
    Improved Essays
  • Improved Essays

    Economic Context of California’s Affordable Housing Shortage As California’s population nearly doubled over the last three decades, the state’s ability to develop affordable public housing has not grown nearly as fast (Governer's Budget Summary 17-18, 2017). Approximately 1.7 million of very-low and low-income households are in the urgent need of subsidized housing because they spend more than one-third of their income on housing costs in the least expensive areas across the state (Mac, 2015). Experts argue that some key factors such as lack of supply, demographic shifts, and NIMBYism led to higher demand for rental housing and single-family homes that spiked the housing costs across all regions in the state (Mac, 2015). In this section, I define and frame the shortage of affordable housing within the context of California’s economy.…

    • 678 Words
    • 3 Pages
    Improved Essays
  • Improved Essays

    Known the crucial need for reasonable rental housing in many communities, Low Income Public Housing is provided, in part, for transitional housing due to income and circumstances. Recently, HUD OIG report noted that more than 25,226 families whose income exceeded HUD’s 2014 eligibility income limits. 17, 000 households exceeded income limits for more than 1 year. (2015-PH-0002). Based on HUD guideline those families met the income eligibility upon their admission into the program.…

    • 883 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Introduction The Housing Choice Voucher Program (HCV) is a program funded by the federal government that provides assistance to eligible low income earners to pay their rent. Through this program, the federal government helps disadvantaged groups such as the disabled, the elderly and other low income earners to access safe, sanitary, and decent housing within the private market. Participants get their own housing that includes townhouses, apartments, and single family homes. The program is administered by local public housing agencies (PHAs).…

    • 1057 Words
    • 5 Pages
    Improved Essays
  • Improved Essays

    History Of Homelessness

    • 1340 Words
    • 6 Pages

    What’s the first thing that the human mind thinks of when the words homeless individual is brought up? Is it a middle aged man on the side of the road with ripped pants and a torn up coat, or is it a mother struggling to keep her family alive? It was recognized that the starting point of homelessness is followed back to when the pilgrims originated during the 1640’s, homeless people during this time period were considered dangerous and police were always on the hunt for them. In addition to this, towns during this time like Baltimore and Philadelphia had an increased number of homeless people than any town in America.…

    • 1340 Words
    • 6 Pages
    Improved Essays
  • Superior Essays

    Introduction The author of Evicted, Matthew Desmond, exposes the restrictions those in extreme poverty may face daily. Based in Milwaukee Wisconsin, Desmond takes his readers into the lives of those living in poorly maintained housing where tenants experience health problems, eviction, and at times even death. The property owners are wealthy and thrive off profits made by those less fortunate, yet do minimal maintenance to preserve their rental units. The families residing in the rentals cope with roach infestations, poor plumbing, and broken windows.…

    • 1818 Words
    • 8 Pages
    Superior Essays
  • Improved Essays

    Income Inequality In China

    • 1593 Words
    • 7 Pages

    What this social housing program did was allow the government to subsidize rent payments for low-income households, therefore the renter would only have to pay a portion of the rent to the landlord while the government covers the rest. This pragmatic approach to a housing problem for its impoverished citizens makes sense from a humanitarian view. However, when considering the economic repercussions, it becomes evident that the United States Section 8 Housing Program further widens the income gap compared to Chinas social housing program which narrows the income gap. The problem lies in the fact that the United States government is paying private landlords a portion of their tenants rent instead of helping the tenants purchase their own housing. This exacerbates the income gap since this pours money into the landlord’s pocket while subsequently not adding to wealth of its poorest citizens via housing ownership.…

    • 1593 Words
    • 7 Pages
    Improved Essays
  • Improved Essays

    Today I will discuss about an organization that is changing millions of lives by giving the opportunity of owning an affordable and simple houses to those who are struggling. This organization is Habitat for Humanity. C. Speaker Credibility: Over the past years, I had a chance to volunteer with habitat for humanity by building a house for veteran, low-income individuals and people with disabilities. D. Thesis : After listening to this speech, you will…

    • 766 Words
    • 4 Pages
    Improved Essays
  • Superior Essays

    Affordable Housing History

    • 2003 Words
    • 9 Pages

    History The need to provide a safe and suitable housing has been problematic since the 1800s in the United States. The tenement reform was an early intervention by the local government before the federal government got involved in 1937. Congress passed the Wagner-steagall housing Act, which established the current federal housing program. For the past years, public housing authorities having been trying to attain the level of success mixed income housing authorities pursue today?…

    • 2003 Words
    • 9 Pages
    Superior Essays
  • Improved Essays

    Anticipated Policy Essay

    • 561 Words
    • 3 Pages

    Although it has had small effects on increasing social housing and providing access to the private rental market, the policy does not match the scale of the issue. (19, 24) Housing demands will continue to increase due to population growth and this policy does not act to correct rising rent and house prices, and relies on small-scale strategies to correct the issue. (19, 25) Without a long-term sustainable approach to housing affordability, the policy could leave disadvantaged households in a similar position in the future where they struggle to access affordable housing. This impact is highly likely as the policy approach is superficial and does not adequately address wider issues of housing affordability.…

    • 561 Words
    • 3 Pages
    Improved Essays
  • Improved Essays

    Otherwise the approach will waste millions of dollars offering services to those they are not able to effectively serve. When seeking to apply the Housing First approach in a region, it is also imperative to assess the effectiveness of the approach in specific geographical locations. The program will be much more easy to implement in large cities with large real estate markets and excellent public transport, compared to small cities with limited real estate and weak public transport. Analyzing the region before implementing the program could prove imperative to its success. I do believe that the Housing First approach can be extremely beneficial, especially when serving individuals with mental or substance disorders, and can overall help to eradicate homelessness while improving the health and quality of life amongst individuals.…

    • 1020 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Housing in the United States has its fair share of problems. Some of which are the effect of the recession that struck a few years back. It drove the cost for housing up and with that made many people lose their homes and lose some of their financial credibility. The recession caused many house prices to be jacked up. Due to the raising of prices less people could afford homes, many people have faced problems of have at least been affected by this problem of raising house cost.…

    • 311 Words
    • 2 Pages
    Improved Essays
  • Improved Essays

    Affordable Housing Impact

    • 1531 Words
    • 7 Pages

    Another positive outlook in the affordable housing topic is how the government is working on it. In Boston, the government uses people like Wessel to recite the issues and complaints the citizens of Boston have in the city to retort back to the mayor. The government is working on the affordable housing issue by creating more supply for cheaper prices, because “ more supply...could lower the cost.” Affordable housing is more than just a movement that aims to provide citizens with more affordable shelter. Affordable housing is a movement that can promotes education, can promote better health and is a catalyst for the…

    • 1531 Words
    • 7 Pages
    Improved Essays