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The Use of Non-Profit Housing Counselors in Promoting Affordable Housing Opportunities

Housing on merit (HUM) creates a link to permanent, affordable housing for many vulnerable populations fighting for affordable housing. We envision a world where everybody has a house - regardless of income, credit history, location, or risk history. To create a system for making this vision a reality, we create strategies for creating housing that both meets community needs and prevents displacement from natural disasters and other causes. Communities constructed with HIP principles share many values: strong public services, low income, healthy neighborhoods, access to safe recreation and healthy food, participation in local economic development and improvement, and constant management of public funds.

The value of this vision is strengthened by our ability to work with our partners at all levels to achieve it. Community development involves a broad range of housing activities such as: development of affordable housing, inclusion of vulnerable neighborhoods and the elderly from the development process, and access to quality health services and preventing foreclosures. The program focuses on these key areas:

Creating housing on merit requires a multi-pronged strategy. Our multi-pronged strategy starts by recognizing that building and sustaining a vibrant, integrated, economically and socially stable neighborhood demands a multifaceted work. Additionally, it requires the commitment to a broad range of common solutions including: positive externalities, such as comprehensive reinvestment in schools and neighborhood improvement, and focused interventions. These solutions are designed to deal with the full range of the complex array of problems that can cause displacement, such as: demographics, environmental change, health care, poverty, and gentrification. We work to make these issues relevant in the decision making processes of purchasing and selling, while working to strengthen the fabric of the neighborhoods where people live.

Among the most troubling issues in the United States today is the unequal distribution of wealth. Some areas are particularly troubling, as they've experienced dramatic decreases in house costs and foreclosure rates, even as other regions are still comparatively wealthy. Income and wealth gaps are a significant cause for concern, as they are a key contributor to both healthcare and quality of life. Though some people may lack perfect health, and others may lack adequate access to high quality housing, the poor health of many individuals contributes to a system where many are unable to afford the housing they need or deserve.

Building and sustaining prosperous neighborhoods requires addressing the unequal distribution of wealth. This begins by building a culture of inclusion, including access to quality affordable housing, higher-quality colleges, job development and a higher standard of living. 영등포op A vital component of this culture of inclusion is creating opportunities through educational and employment opportunities. A second important area for building a prosperous neighborhood is to ensure access to quality, affordable medical care.

The Affordable Housing Initiatives of the Department of Housing and Urban Development (HUD) work with many different creative financing strategies to ensure that low-income and minority families can afford to purchase, rent, and maintain affordable housing. Creative funding includes programs such as: FHA Guaranteed Home Loan Programs, the Federal-aid Neighborhood Centers, and the Neighborhood Stabilization Program. Additionally, HUD also provides assistance for providing homeownership programs for those individuals who can't qualify for a traditional mortgage. To be able to be eligible for this support, an individual or family must demonstrate the capacity to

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