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Vol. 45, Issue 1
The January issue of the Housing Law Bulletin explains the HUD and Rural Housing Service (RHS) appropriations for fiscal year 2015, using the National Low Income Housing Coalition's Memo to Members and accompanying budget chart. It also provides guidance to advocates representing borrowers who experience disabilities in requesting reasonable accommodations from the mortgage servicers. Finally, the Bulletin warns advocates of the impending mortgage maturity crisis in rural housing, and provides an example of effective advocacy involving an Oregon property.
Table of Contents
Overview of FY 2015 THUD Appropriations
RHS Issues Revised VAWA Notice
Overview of FY 2015 Rural Housing Service Appropriations
Reasonable Accommodations in Mortgage Servicing and Loss Mitigation
RD Mortgage Maturities Threaten Hundreds of Thousands of Residents
RHS Concedes Early Maturing RHS Loans Are Subject to ELIHPA Prepayment Restrictions
Recent Housing-Related Regulations and Notices
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This article is an edited version of the National Low Income Housing Coalition’s (NLIHC) special edition of Memo to Members, “Congress Approves FY 15 HUD, USDA Funding Bill (Dec. 15, 2014),” used with permission of NLIHC, along with an accompanying budget chart. The article summarizes funding levels and related policy provisions for the major HUD-supported affordable housing programs.
On January 5, 2015, Rural Housing Service (RHS) Administrator Tony Hernandez issued revised Administrative Notice No. 4778 (1944-N) (AN) to State Directors of Rural Development (RD) and Program Directors of RD Multifamily Housing. The AN addresses implementation issues under the housing provisions of the Violence Against Women Reauthorization Act of 2013 (VAWA 2013).
This article provides an overview of the Rural Housing Service (RHS) program appropriations for Fiscal Year 2015, which were almost identical to Congress’ program appropriations last year. The author reviews appropriations for the Section 515 rental housing program, the rejection of a minimum rent for Rural Development rental housing, the Section 502 direct loan program, and the Section 504...
Because facing foreclosure and navigating the loss mitigation process is a challenging and frustrating ordeal for most borrowers, and even more so for borrowers with disabilities, advocates are beginning to apply reasonable accommodation principles to mortgage servicing. This article provides a brief overview of possible reasonable accommodation arguments and counter-arguments in the mortgage...
In 10 years, three-quarters of Rural Development’s (RD) current 440,000 rural rental and farm labor housing units will become unavailable to low-income households due to maturing mortgages, a long-festering and recognized problem that RD has failed to address. This article provides a brief background of the maturing mortgage crisis and outlines administrative solutions RD itself can take and...
Responding to a preliminary injunction motion in Brown v. Vilsack, Rural Housing Service (RHS) Administrator Tony Gonzalez acknowledged that certain RHS loans scheduled to mature early are nevertheless subject to the prepayment restrictions of the Emergency Low-Income Housing Preservation Act. Specifically, property owners cannot pay off these loans prior to the originally scheduled...
This section includes summaries of recent housing cases, notices, and regulations.