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

The value of this vision is strengthened by our ability to work with our partners at all levels to achieve it. Community development includes 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 those key areas:

Creating housing on merit demands 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 effort. It also 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 issues that can lead to displacement, including: demographics, environmental change, health care, poverty, and gentrification. We work to create these problems relevant in the decision making processes of purchasing and selling, while working to strengthen the fabric of the areas where people live.

Among the most troubling issues in the United States today is the unequal distribution of wealth. Some areas are especially troubling, as they have experienced dramatic decreases in house prices and foreclosure rates, even as other areas are still relatively wealthy. 김해op Income and wealth gaps are a serious cause for concern, as they are an integral contributor to both health care and quality of life. While 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, which includes access to quality affordable housing, higher-quality schools, job creation and a higher standard of living. A vital component of this culture of inclusion is creating opportunities through employment and educational opportunities. Another 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 a variety of creative financing strategies to make sure that low-income and minority families can afford to purchase, rent, and preserve affordable housing. Creative financing 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 cannot qualify for a traditional mortgage. To be able to qualify for this assistance, an individual or family must demonstrate the ability to repay the mortgage loan using income from different sources. All these innovative programs have helped create affordable housing available to millions of lower and moderate-income families.

Of course, the efforts of HUD don't end at only providing opportunities to people that are unable to purchase housing on their own. Their strategic planning and development programs also have proven effective in ensuring that all residents have access to excellent housing options. These plans include: Assessing Real Estate Needs and Opportune Locations, developing a Resale Market Plan, and coordinating and promoting transitional partnerships. As you can see, there are lots of innovative financing strategies designed to promote investment and development in under-served communities. These programs include: Housing Cash Out, Neighborhood Stabilization Program, and the Neighborhood Mobile Plan Processes.

By strategically supporting these a variety of housing efforts through the use of creative funding, nonprofit organizations can create a bridge to permanently affordable housing for many low-income and minority individuals and households. Along with this program, non-profit organizations should use an assortment of other strategies and activities to make certain that their support services help to ensure that each and every resident in the community has access to quality affordable housing. Ultimately, these strategies created by HUD-approved non-profit housing counselors strengthen the capacity of these communities by providing a very important source of low-cost and high-value supportive services.