Housing Opportunity
Committee
Enhance your business! The
following links are provided to help programs that enhance the opportunities
for housing choices within the community; advocate and educate Members and
the public on housing programs and opportunities.
Disabled
Center for
Universal Design at NCSU: The Center for Universal Design (CUD) is
national information, technical assistance, and research center that evaluates,
develops, and promotes accessible and universal design in housing, commercial
and public facilities, outdoor environments, and products. Our mission
is to improve environments and products through design innovation,
research, education and design assistance. www.design.ncsu.edu/cud
Insurance
NC Department
of Insurance: The Department of Insurance provides valuable services
to the people of North Carolina by regulating the insurance industry, licensing
insurance professionals and others, educating consumers about different types
of insurance, handling consumer complaints, and much, much more. The Department
also houses the Office of State
Fire Marshal, which is responsible for a host of other services that
improve North Carolinians’ daily lives. With some 400 employees and 20 divisions,
much of what the Department of Insurance does directly affects you as a citizen,
though you may not realize it. http://www.ncdoi.com/
CLUE Reports: The
C.L.U.E. ®Personal Property report provides a five year history
of losses associated with an individual and his/her personal property.
The following data will be identified for each loss: date of loss, loss
type, and amount paid along with general information such as policy number,
claim number and insurance company name.http://www.choicetrust.com/servlet/com.kx.cs.servlets.CsServlet?channel=welcome&subchannel=clue#
Flood Insurance:
We are an insurance
agency that only sells flood insurance. We are flood insurance specialists
and property owners, other insurance agents and mortgage lenders thank us
every day for our friendly, knowledgeable, and experienced customer service.
http://www.thefloodinsuranceagency.com/
FEMA
The primary
mission of the Federal Emergency Management Agency is to reduce the loss
of life and property and protect the Nation from all hazards, including natural
disasters, acts of terrorism, and other man-made disasters, by leading and
supporting the Nation in a risk-based, comprehensive emergency management
system of preparedness, protection, response, recovery, and mitigation. http://www.fema.gov/
Loan programs
Fannie Mae
Foundation:
The Fannie Mae Foundation creates affordable homeownership and housing opportunities
through innovative partnerships and initiatives that build healthy, vibrant
communities across the United States. The Foundation is specially committed
to improving the quality of life for the people of its hometown, Washington,
D.C., and to enhancing the livability of the city's neighborhoods. The Foundation
is a private nonprofit organization supported solely by Fannie Mae. http://www.fanniemaefoundation.org/
Freddie Mac: Freddie
Mac's mission is to provide liquidity, stability and affordability to the
housing market. http://www.freddiemac.com/
NC Housing Finance Agency:
The North Carolina Housing Finance Agency is a self-supporting public agency.
The Agency’s mission is
to create affordable housing opportunities for
North Carolinians whose needs are not met by the market. Since its creation
in 1973 by the General Assembly, the Agency has financed nearly than 176,000
affordable homes and apartments, totaling more than $10 billion.
The Agency provides financing through the sale of tax-exempt bonds and management
of federal and state tax credit programs, the federal HOME Program, the state
Housing Trust Fund, and other programs. http://www.nchfa.com
NC Housing Search: The
housing locator service allows people to locate available housing that
best fits their individual and family needs. The service can be accessed
online 24 hours a day and is supported by a toll-free, bilingual call center
M-F, 9-6 EST. Individuals can easily search for housing using a wide variety
of search criteria with special mapping features and receive apartment
listings that provide a multitude of important information about each unit.
In addition, the site connects people to other housing resources through
website links and provides helpful tools for renters such as an affordability
calculator, rental checklist, and renter rights and responsibilities information. http://www.nchousingsearch.org
Housing Assistance
Wake County
Human Services:
Wake County offers many programs aimed at helping residents provide
suitable and affordable housing, whether they are renters, first-time
homebuyers, or need assistance with renovations. The County actively partners
with other local governments and non-profit agencies to build attractive,
safe affordable housing in many communities around Wake County
.http://www.wakegov.com/humanservices/housing/default.htm
Senior Citizens
Who do you
call when you don't know who to call? RFS Information Department is
a great place to start! Our Information Specialists are trained to know about
all the resources for older adults, not just those offered by Resources for
Seniors. They can walk you through the options, provide comprehensive resource
information, and help you plan your next steps. A phone call to 713-1556 will
reach an Information Specialist Monday-Friday from 8 AM to 5 PM. www.resourcesforseniors.com
DHIC, Downtown
Housing Improvement Corporation
Established in 1974, DHIC,
Inc. is a private non-profit housing development company that builds high
quality affordable housing in the Research Triangle region of North Carolina.
NACA
Neighborhood Assistance Corporation of America: The
Neighborhood Assistance Corporation of America ("NACA") is a non-profit,
community advocacy and homeownership organization. NACA’s primary goal
is to build strong, healthy neighborhoods in urban and rural areas nationwide
through affordable homeownership. NACA has made the dream of homeownership
a reality for thousands of working people by counseling them honestly and
effectively, enabling even those with poor credit to purchase
a home or refinance
a predatory loan with far better terms than those provided even in the
prime market. www.NACA.com
US Department of Veterans Affairs: Our goal
is to provide excellence in patient care, veterans' benefits and customer
satisfaction. We have reformed our department internally and are striving
for high quality, prompt and seamless service to veterans. Our department's
employees continue to offer their dedication and commitment to help veterans
get the services they have earned. Our nation's veterans deserve no less. www.va.gov
USDA United States Department of Agriculture: This
site is used to determine eligibility for certain USDA home loan programs.
In order to be eligible for many USDA loans, household income must meet certain
guidelines. Also, the home to be purchased must be located in an eligible
rural area as defined by USDA. http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
FHA Connection: The FHA Connection provides
FHA-approved lenders and business partners with direct, secure, online access
to computer systems of the U.S. Department of Housing and Urban Development
(HUD). https://entp.hud.gov/clas/index.cfm
Homes4NC: North Carolina REALTORS® help
individuals and families realize one of the most important dreams of their
lifetime – owning a home. Sadly, many citizens are locked out of the “American
Dream” because they don’t earn enough to afford a moderately-priced
home in their community.
That’s where Homes4NC comes in. This charitable 501(c)(3) organization
was created by the North Carolina Association of REALTORS® to help more
North Carolinians get into homes. We do this by raising
funds and partnering with local REALTOR® associations to provide matching
grants to nonprofit organizations that help low-income families with
their housing needs. We also provide emergency disaster relief and support
educational programs that increase housing opportunities.
Since our inception in 2004, we
have made grants totaling more than $180,000 to housing organizations
across the state. When you consider that local REALTOR® associations
provided matching funds, NC REALTORS® have had an impact of
nearly $400,000 in five years! www.homes4nc.org
NC Housing Coalition: The North Carolina
HousingCoalition is a private, non-profit membership organization
working for decent, affordable housing that promotes self-determination and
stable communities for low- and moderate-income North Carolinians. We
work to increase investment in quality affordable homes so that working
families and individuals, persons with disabilities, people in crisis, and
fixed-income seniors may live with opportunity and dignity. These
populations will never be well-served by the private housing market without
intervention because of their limited incomes and/or special needs. www.NCHousing.org
NC Real Estate Commission: The North Carolina Real
Estate Commission ("Commission") is an independent state governmental
agency. It should not be confused with the North Carolina Association of
REALTORS® (or its local Boards) which is a trade organization whose members
are known as "REALTORS®".
The
Commission’s primary function is to license and regulate real estate
agents (persons and firms who sell, lease, etc. real estate for others).
North Carolina’s 80,000-plus real estate agents are licensed as brokers.
The Commission registers and regulates sales activities at time share projects,
where ownership in a single living unit (usually a resort condominium) is
shared by many persons. Time share salespersons must also hold a broker license.
When time and resources permit, members of the Commission staff are available
to present informational programs to real estate practitioner and consumer
audiences. These programs address issues of special interest and concern
to the Commission, real estate licensees and the public.
The Commission is not authorized to give legal advice or answer questions
on legal subjects other than the North Carolina Real Estate License Law (G.S.
93A) or rules promulgated by the Real Estate Commission (21 NCAC 58 A, B,
C and E). www.ncrec.state.nc.us
NC Appraisal Board: The mission of the North
Carolina Appraisal Board is to protect consumers of real estate services
provided by its licensees by assuring that these licensees are sufficiently
trained and tested to assure competency and independent judgment. In addition,
the Board will protect the public interest by enforcing state law and Appraisal
Board rules to assure that its licensees act in accordance with professional
standards and ethics. http://www.ncappraisalboard.org
City of Raleigh: Type in housing and foreclosure
for all documents. www.raleigh-nc.org
National Association of REALTORS®: The NATIONAL
ASSOCIATION OF REALTORS® strives to be the collective force influencing
and shaping the real estate industry. It seeks to be the leading advocate
of the right to own, use, and transfer real property; the acknowledged leader
in developing standards for efficient, effective, and ethical real estate
business practices; and valued by highly skilled real estate professionals
and viewed by them as crucial to their success.
Working on behalf of America's property owners, the NATIONAL ASSOCIATION
OF REALTORS® provides a facility for professional development, research
and exchange of information among its members and to the public and government
for the purpose of preserving the free enterprise system, and the right to
own, use, and transfer real property.
Federal Housing Tax Credit: A tax credit
of up to $8,000 is now available for qualified first-time home buyers purchasing
a principal residence on or after January 1, 2009 and before December 1,
2009. Unlike the tax credit enacted in 2008, the new credit does not have
to be repaid. www.federalhousingtaxcredit.com
Mortgage Bankers
Association: The Mortgage Bankers Association (MBA) is the national
association representing the real estate finance industry, an industry that
employs more than 370,000 people in virtually every community in the country.
Headquartered in Washington, D.C., MBA invests in communities across the nation
by ensuring the continued strength of the nation's residential and commercial
real estate markets; expanding homeownership and extending access to affordable
housing to all Americans and supporting financial literacy efforts. www.mortgagebankers.org
