Presented By: Amy Goodman Tuesday August 21st, 2012@ 2pm

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What is Community Living? Self-Determination Conducting A Housing Search: 5 Step Process Common Terminology Public Housing Section 8: Tenant Based Voucher Mainstream Vouchers Certain Development Designated Housing Vouchers Applying for Section 8: Tenant Based Voucher Section 8: Project Based Voucher

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Supportive Apartments Low-Income Housing Tax Credit Apartments (LIHTC) USDA Rural Development Program Homeownership Homebuyer Assistance Programs Section 8: Homeownership Habitat for Humanity Rural Opportunity Mortgage Neighborhood Assistance Corporation of America (NACA)

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Individual Development Accounts (IDA’s) Group Living Options Alternative Family Living Boarding Homes Group Homes Intermediate Care Facilities (ICF’s) Family Care Homes Adult Care Homes Assisted Living Residences Nursing Homes

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Residents Rights Fair Housing Act Land Lords Can/Cannot Examples of Housing Discrimination Reasonable Accommodations Reasonable Modifications Resources

Community Living Includes many things. a) School Activities b) Community Activities c) Social Skills d) Travel e) Safety f) Housing: Living Independently

This webinar will focus on Housing/Living Independently

Self-determination is the right of individuals with disabilities to make choices about their own lives, to have the same rights, and responsibilities as everyone else, and to advocate for themselves. In terms of housing, self-determination refers to individuals with disabilities having control over their housing choices.

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Think about your housing wants and needs Figure out how much you can afford Conduct search Secure an apartment or house Be a responsible tenant

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Start by answering some simple questions If you need help with your housing search, ask for it. Locating a housing mentor is a good place to start. Housing Mentor: A housing mentor is a person that you choose to help you find and keep a home of your own. It could be a family member, friend or staff person.

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One should do a monthly housing budget before you actually start looking for a house or apartment 30% of your gross(pre-tax) income Monthly income X .30 should give you an idea of how much rent you can afford to pay Moving costs: rent, electric/gas bill, application fees, security deposits, utility deposits, pet deposits, etc…

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Market Rate vs. Subsidized Housing Shared Housing
◦ ◦ ◦ ◦ ◦ ◦ More affordable Roommate Classified Ads On-line roommate matching services Local chapter of The Arc Case manager

Market Rate Housing
◦ News paper ads ◦ Internet

Subsidized Housing: Housing Choice Voucher Program-Public Housing
◦ Public Housing Authorities (PHA’s)
 Section 8 Based Vouchers:  provide choice and flexibility  can select any apartment that meets the program criteria
 Tenant based: free to choose any unit in any apartment  Project based: specific apartment complex  Homeownership Assistance

Application Process
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Sign the Lease

Income verification Credit check Rental history check Criminal background check

◦ 1 year ◦ Read conditions before signing ◦ May have to purchase Renters Insurance, most just recommend it. It covers a tenant’s belongings due to theft or damage caused by natural disasters or other people. Average Cost$60 to $75 per year.

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Pay Rent on time Take care of your apartment or house Follow the rules outlined in your lease if renting

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Area Median Income (AMI): Low Income, Very Low Income, Extremely Low Income Adjusted Household Income: Total Tenant Payment (TTP): Utility Allowance: Fair Market Rents (FMR’s): Public Housing Authority (PHA): Payment Standard: Housing Assistance Payments (HAP): Household/Disabled Household:


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Selection Preferences Reasonable Accommodation Predatory Lending: Foreclosure:

*all definitions can be found: www.arcnc.org/file/HousingCloserLook.pdf *Look in the Glossary at the end of the document

A federal subsidized housing program for low-income families and individuals Eligibility Requirements:
◦ Elderly ◦ Disability ◦ Family ◦ U.S. Citizen Common Preferences may occur, meaning you may be able to get housing faster if you have a disability.

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A housing subsidy is paid to the property owner directly by the PHA on behalf of the tenant Housing voucher is portable No time limit on how long one can receive section 8 assistance, as long as the individual remains eligible for the program

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Specifically for individuals with disabilities Responsibility of tenant to find a unit that meets his/her needs Same costs and guidelines apply as other vouchers Similar contract with property owner Same subsidy payments on behalf of tenants Are portable and may be used anywhere

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Are additional types of Section 8 vouchers that can that assist individuals with disabilities to access housing Contact a PHA or visit the HUD website www.hud.gov for more information. PHAs need to apply for specific funding for these specialty vouchers for individuals with disabilities They do not have to participate, many PHAs have chosen not to participate in the Mainstream Voucher Program and the other specialty voucher programs. If not participating, encourage the PHA’s to apply.

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Initial Application Waiting List Screening and Verification Voucher Issued Housing Search Renting A Housing Unit

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Rental Assistance is tied to a specific unit or building Live in designated housing Rental subsidy stays with the unit Available to the next eligible person who moves into the residence

Independent units targeted for individuals with disabilities Supportive Services:
◦ Transportation ◦ Budgeting ◦ Shopping

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Apartments not required to be licensed Do not have full time staff

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Federal government funds the construction of new or renovated rental housing for lowincome households Housing must be affordable Occupied by households with incomes equal to or less than 60% of the AMI

Must accept qualified applicants who have a section 8 Voucher 10% of units have to be targeted for individuals with disabilities Need a disability source of income (SSI, SSDI)

The U.S. Department of Agriculture Rural Development Section 515 Multifamily Housing Program:
◦ Affordable housing for very low and low-income tenants in rural areas ◦ Interest subsidies ◦ Rental assistance subsidies

Housing Counselor: work one-on-one with a potential homebuyer to provide guidance throughout the home buying process.
◦ Knowledgeable about affordable mortgage products, down payment assistance, and other programs ◦ Can link buyers with lenders, realtors, and others ◦ Can help with budgeting, establishing savings programs, evaluating a person’s readiness for buying a home, and addressing barriers to homeownership such as poor credit history

To find a housing counselor:
◦ Call 800-569-4287 ◦ http://portal.hud.gov/hudportal/HUD?src=/progra m_offices/housing/sfh/hcc/hcc_home

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Minimum income requirements Need to have a certain amount of savings ($1,000.00) Require 12 months of clean credit history Talk to your local HFA counselor to see if you qualify, you could be eligible for:
◦ A below market interest rate mortgage ◦ Down payment assistance up to $7,000 or a second mortgage up to $20,000 ◦ A mortgage credit certificate

Tenant based vouchers can be used to purchase a home Must be a current participant in the section 8 tenant-based voucher program Must have been a renter for several years and demonstrated ability to pay rent regularly Family must attend and satisfactorily complete a housing counseling program

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Same voucher payment schedule as the tenant-based rental vouchers This program has a term limit of 10-15yrs No time limit for receiving assistance for an elderly household or for a household headed by a person with a disability

Private non-profit organization, goal is to provide homeownership to low-income families and individuals. Individuals are eligible to purchase a home by:
◦ Assisting (with families and friends) in building own home and the homes of other Habitat families as part of their “sweat equity” agreement ◦ Depends on your need for housing ◦ Depends on you ability to pay ◦ Depends on your willing to partner with Habitat

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Interview Income and credit screening Criminal background check Employment and Rental history check Application process can take between 3-6 months Sweat Equity requirement takes between 3-9 months Entire Process: takes approximately 1year to complete: Orientation to House Closing

This program targets individuals with lowincomes living in rural areas These loans target borrowers with lowincomes:
◦ Sometimes 50% of AMI ◦ Offer repayment terms longer than 30 years

A national non-profit, community advocacy and homeownership organization.
◦ Primary goal: to build strong healthy neighborhoods in urban and rural areas nationwide through affordable homeownership ◦ Affordable mortgage program for low and moderate income individuals ◦ Property renovation assistance ◦ Counseling and assistance for individuals facing foreclosure ◦ For more information:
 Call 888-302-NACA  www.naca.com

Matched savings accounts to help lowincome individuals and families build assets.
◦ Similar to 401K plans ◦ Can be used for:
 Buying a house  Paying for post secondary education  Start a small business

◦ Required to enroll in a budget/credit counseling program ◦ Funded by public and private source ◦ Operated by community-based organizations

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Alternate Family Living Boarding Homes Group Homes Intermediate Care Facilities Family Care Homes Assisted Living Residences Nursing Homes

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Type of supportive housing in which an individual with a developmental disability resides with a family other than their own in order to receive habilitative care. Operated by provider agency Licensed by the state, if more than one adult is living in the same home Provider does not receive special assistance Paid from residents’ SSI plus Medicaid or state funded service dollars

Group living situations for people who need more than periodic support, but do not need 24-hour supervision.
◦ Four or five people share a home ◦ Owned by an agency ◦ Agency staff provides routine visits and on-call support ◦ Residents pay a flat fee for room and board

A group living option for adults with developmental disabilities.
◦ ◦ ◦ ◦ ◦ Five or six residents in each home 24 hour personal care Habilitation and other supportive services Owned/operated by private agencies Room and board paid for by residents SSI and Special Assistance

Intensive ,regulated, residential service funded by Medicaid to serve individuals with intensive behavioral and medical needs who needs more than a group home offers, but less than a skilled care nursing home level of care.
◦ ◦ ◦ ◦ Six beds Personal care Habilitation Specialized therapies

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Active treatment Overnight supervision Licensed by state Owned and operated by private agencies

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Small assisted living facilities Two to six residents Designed to provide residential care for the elderly 24 hour personal care Room and board paid by SSI and special assistance

Facilities with seven or more beds designed primarily to provide residential care for the elderly, whose principal need is a home with the shelter or personal care their age requires.
◦ 24 hour personal care services
    Bathing Dressing Grooming Medication administration

◦ room and board paid by SSI and special assistance

Any group housing and services program for two or more unrelated adults
◦ One meal per day ◦ House keeping services ◦ Personal care services

Health services facilities that provide nursing or convalescent care for three or more persons.
◦ Chronic or convalescent patients ◦ Medical and nursing care ◦ Not sick enough to require general hospital care or special facilities

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Be treated with dignity Privacy Humane care Freedom from mental and physical abuse Freedom from neglect and exploitation Consult with an attorney or advocate vote

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Receive treatment Send and receive unopened mail Worship Go outdoors Use the telephone Keep and spend a reasonable amount of money

Prohibits discrimination in the sale, rental, and financing of housing based on race, color, national origin, religion, sex, familial status, or disability Prohibit discrimination against persons with disabilities Require housing providers to make reasonable accommodations for individuals with disabilities

Require housing providers to allow individuals with disabilities to make reasonable modifications to a house or rental unit Require that new multi-family housing be designed and constructed to be accessible to all individuals with disabilities

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Ask if you have a disability, what it is, or the severity of your disability Ask what services you receive Ask what medication(s) you are taking Discriminate against you because of your appearance Select the type of unit or house they think you need

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Verify that you are qualified for the designated unit Verify your income Conduct a criminal background check Check your references

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Saying a house/apartment has already been rented/sold when it is still available Offering different conditions to a individual with a disability Refusing to allow a individual with a disability to add a ramp, widen doorways, or add grab bars to make their housing more accessible Showing an individual with a disability housing only in certain neighborhoods or assigns an individual to a particular section of a building

Are changes to rules, policies, practices, or services to allow individuals with disabilities equal opportunity to use and enjoy a housing unit, including common areas. Reasonable: the action requested by the individual with a disability:

◦ does not cause an undue financial hardship to the housing provider ◦ Does not cause a basic change in the nature of housing programs available ◦ Will not cause harm or damage to others ◦ Is technologically possible

Changes in the physical arrangement of the interior of a housing unit, common spaces, or parking spaces.
◦ ◦ ◦ ◦ Make tasks easier Reduce accidents Support independent living Allow individual with the disability to have full enjoyment of the premises where they live

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Widening doorways Putting up a ramp/walkway to door Hand held showers Grab bars Handrails Adjusting location of furniture Changing the lighting fixtures

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www.arcnc.org/file/HousingCloserLook.pdf www.hud.gov www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm www.naca.com

Continue the discussion through our FORUMS! You will receive an email shortly with a link to our discussion board. The PowerPoint and recording will also be provided in this email. Email Phuong (pnguyen@autismnow.org ) if you experience any issues.
Website: www.autismnow.org Information & Referral Call Center: 1-855-828-8476 Next Webinar: Tuesday, August 28, 2012, 2:00-3:00 PM, EDT Quality of Life Outcomes

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