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<h1 class="title_blue">First Time Homebuyers</h1>
<p >The Federal Government hopes to kick-start the economy
through its 2009 American Recovery and Reinvestment Act. Funded through the U.S. Department of
Housing and distributed through the individual states, the Federal Government
has made substantial grant appropriations available to first time
homebuyers. </p>
<h1 style="margin-bottom: 0;"><a name="toc">Table of Contents</a></h1>
<ul style="margin-top: 0;">
<li><a href="#questions">Common Questions</a></li>
<li><a href="#steps">Steps to Purchasing a First Time Home</a></li>
<li><a href="#programs">Federal Grants, Loans and Guaranteed Housing Programs</a></li>
<li><a href="#agencies-bystate">Housing Finance Agencies by State</a></li>
</ul>
<h1><a name="questions">Common Questions</a></h1>
<a href="#toc">Back to Table of Contents</a>
<p class="question">Who is Eligible for First Time Homebuyer Status?</p>
<p class="answer">First time homebuyers are those individuals or households
that have not had any previous ownership interest in a home or have not owned a
home in the three years previous to the day of the purchase. </p>
<p class="question">What is the New Homebuyer's Tax Credit for 2009?</p>
<p class="answer">Any home that is purchased for a price of $80,000 or more
receives a tax credit in the amount of $8,000. For homes purchased at a selling price of less that $80,000,
the tax credit is equal to 10% of the selling price. </p>
<p class="question">How Does the Tax Credit Work?</p>
<p class="answer">Every dollar of your tax credit is a dollar that is deducted
from your income tax liability, thus reducing the amount you owe on your income
tax. For example, if you had a
total tax liability of $10,000 and purchased a home for $150,000, you would
receive an $8,000 tax credit, thus reducing your tax liability to $2,000. </p>
<p >If your tax rebate exceeds your tax liability, then the
Internal Revenue Service would rebate the difference to you in the form of a
check. </p>
<p class="question">Are There Income Restrictions to the Tax Credit? </p>
<p class="answer">Yes, there are income restrictions based on your tax filing
status. If you filed as Single or
Head of the Household, your annual income can not exceed $75,000. If you filed as a married couple, your
income can not exceed $150,000 for a joint return. </p>
<p class="question">Are These Tax Credits Repayable at any Time?</p>
<p class="answer">No, there are no repayments for 2009 tax credits. </p>
<p class="question">What Happens if I Claim my 2009 Tax Credit on my 2008 Tax Returns?</p>
<p class="answer">The U.S. Congress has made a special provision so that there
will be no repayment of 2009 credits that are claimed on your 2008 tax returns. </p>
<p class="question">How Do I Apply for this Credit?</p>
<p class="answer">You do not have to apply for any authorization or pre-approval to receive the tax credit.
The credit will be reflected on a new I.R.S. Form 5405 that will be attached to the regular Form 1040. </p>
<p class="question">Am I Still Eligible for the 2009 Tax Credit if I Already Have a Home under
Construction?</p>
<p class="answer">Yes you are eligible for the 2009 tax credits, as long as
you occupy the home by December 1, 2009. </p>
<p class="question">Is There a Chance That the First Time Homebuyer's Tax Credit Will be Extended into
2010?</p>
<p class="answer">Yes, there is a chance that the tax credit will be extended
into 2010. However, to be on the
safe side, it is highly advisable that you make your home purchase by December
1, 2009. </p>
<p class="question">Are First Time Homebuyers Eligible for Any Other Grants?</p>
<p class="answer">Yes! First time homebuyers are eligible for other grants, such as closing costs, down payment
costs and rehabilitation assistance. There are other grants listed below as well as resources that can help
facilitate your home purchase. </p>
<h1><a name="steps">Steps to Purchasing a First Time Home</a></h1>
<a href="#toc">Back to Table of Contents</a>
<p>If you are in the market to make a real estate purchase
under first time homebuyer status, there are some things you need to address during
the process: </p>
<ul>
<li><strong>Define Your Goals -</strong>Today, over 80% of all home searches begin on the Internet.
With a few simple clicks of your mouse, you can search through hundreds of online listings in the neighborhoods of your
choice. Narrow your selections down by neighborhood in terms of its benefits, by asking price and by the type of ownership
that you want.</li>
<li><strong>Don't Buy the First One -</strong>
Think of a home purchase in terms of an automobile purchase. You wouldn't buy the first car that you
see on a dealer's lot, so don't buy the first home that you visit. You should go out as often as you feel
that it is necessary to look at homes. You should limit your daily home visits to no more than seven, because
you can get very weary during the home visitation tour process.
</li>
<li><strong>Bring a Camera Along When You Go House shopping -</strong>
It is always a wise maneuver to take a digital camera along when you look at homes, and take a series of pictures with a
close-up number of the house in order to properly identify the home. Take notes on the home, and pay attention to the next door
neighbor's home and the traffic patterns around the neighborhood.
</li>
<li><strong>Establish Good Credit -</strong>
The
first step in the first time home buying process is the establishment of good
credit. If you have not
established credit to this point, then you'll need to go to a bank, open an
account and make a small deposit. At that point, apply through the bank for a small loan, say $600. Then, pay off the loan as soon as you
can. That would establish a credit
history on your part, and make you eligible for a home loan.
</li>
<li><strong>
Keep a Detailed Record of Expenditures -
</strong>
You can deduct expenditures incurred from the home buying
search, so keep detailed records of mileage and other ancillary costs incurred
through the process.
</li>
<li><strong>
Set a Financial Plan -
</strong>
When
you buy your first home you should set a goal of saving 20% of the purchase
price to use as its down payment.
</li>
<li><strong>
Make Sure of Your Financing -
</strong>
Before
you contemplate visiting potential homes, pay a visit to a bank or mortgage
lender to make sure that you have sufficient credit for the type of home you
are looking for. Bank and mortgage professionals will set parameters for you on the limits you can expect to
receive with regard to your funding. When you visit these professionals, be advised that you will need to
bring along a copy of last year's W-2 tax form, as well as your last pay stub
in order to verify your employment status. At that time, your credit score will be ascertained,
which will determine your loan eligibility as well as your interest rate. There are special rates available if
you are a veteran or even a member of a minority. Ask your bank or mortgage representative if you qualify for
any special considerations based on your history or ethnicity.
</li>
<li><strong>Review All Available Assistance - </strong>
There are first time homebuyer grants available from the Federal government to the
Realtors Association for such items as down payment costs, closing costs and
renovation costs, depending on the type of home or real estate purchase that
you make. For example, if you are
considering a purchase of a HUD property, the Federal government offers a
$5,000 grant, in addition to all the other incentives for those who have never
owned a home or have not owned a home within the past three years.
</li>
<li><strong>Professional Representation -</strong>
Make sure that once your financing has been secured, you enlist the services of a professional agency to represent you.
Buying a home is quite different from selling one. A professional real estate agent knows what's best in the area you are
interested in, and has the connections to close the deal. Once you find a home that
you like, then your agent can put in an offer for you. At that point, it is up to the seller
to accept the offer, reject the offer, or make a counter proposal to the offer. </li>
<li><strong>Inspect the Prospective Home - </strong>
Once both sides have agreed on a price, then a contract is drawn up. At this point, assign your agent to
enlist a professional inspection service to inspect all aspects of the home. In this way, all corrections can be
made by the seller prior to your taking ownership of the home. </li>
<li><strong>Submit Your Offer - </strong>
Talk to your real estate agent regarding the best and worst case scenarios so that you
entertain the risk that is involved on your part. Always make your offer contingent upon a satisfactory home
inspection report. </li>
</ul>
<p >There are many grant opportunities available for first time
homebuyers at this time in the United States. It takes hard work and dedication to your task at hand to
find the match that is right for you. </p>
<p >Below are some of the main sources to contact relating to
real estate grants and real estate program assistance. </p>
<ol>
<li><strong>2009 American Recovery and Reinvestment Act - </strong>This Act has changed the playing field for first
time homebuyer and investment purchases. Log onto your state of interest at <a href="http://www.state.gov/recovery/" target="_blank">www.state.gov/recovery/</a> to find out the grants and assistance
from this plan that are available in the state of your choice. </li>
<li><strong>Federal Monies - </strong>Search for all Federal programs for first time
homebuyers at <a href="http://www.cfda.gov" target="_blank">www.cfda.gov</a>. </li>
<li><strong>State Monies - </strong>There are programs available for first time home
buying assistance and renovations. Follow the protocol for the 2009
American Recovery and Reinvestment Act, as it applies to your state. For example, log onto <a href="http://www.recovery.ca.gov" target="_blank">www.recovery.ca.gov</a>, if you were
interested in California real estate. </li>
<li><strong>County Monies - </strong>These may be somewhat harder to come by, but
there are programs that offer closing costs, down payment costs and renovation
costs, as well as an educational component. Log onto
<a href="http://www.grants.gov" target="_blank">www.grants.gov</a>
for the county you seek. </li>
<li><strong>Foundations and Private Donors - </strong>There are plenty of private sources that
may offer assistance to you in the purchase of your home for the first time. Log onto <a href="http://fdcenter.org" target="_blank">fdcenter.org</a>
and <a href="http://www.guidestar.com" target="_blank">www.guidestar.com</a> for databases to
these private donors. </li>
<li><strong>Federal Assistance - </strong>The Federal Government has close to 1,000
non-profit agencies and organizations available to assist those who intend to
buy or invest for the first time. The best way to find out what is available in your area is to log onto <a href="http://www.hud.gov/offices/hsg/sfn/hcc_home.cfm" target="_blank">www.hud.gov/offices/hsg/sfn/hcc_home.cfm</a>
or telephone the Locator at 1-800-569-4287. </li>
<li><strong>Local Assistance - </strong>There are local community agencies that are available
to help you locate government funding or other money sources for first time
homebuyers. For the community
agency in your area, log onto <a href="http://www.communityactionpartnership.com" target="_blank">www.communityactionpartnership.com</a>
or call (202) 265-7546. </li>
<li><strong>Office of Community Planning and Development - </strong>This
office can help identify first time homebuyer grant programs that you may be
eligible for. You can contact this
agency by logging onto <a href="http://www.comcon.org" target="_blank">www.comcon.org</a> or by
calling its offices at 1-800-998-9999. </li>
<li><strong>Federal Housing Programs - </strong>The vast majority of Federal housing
programs and assistance come from the U.S. Housing and Urban Development. To check on what's available for first
time homebuyers through this Department, log onto <a href="http://www.hud.gov" target="_blank">www.hud.gov</a>.
</li>
<li><strong> U.S. Department of Agriculture - </strong>This
branch of the U.S. Government provides rural housing assistance for first time
homebuyers. This Department can be
reached by logging onto <a href="http://www.rurdev.usda.gov" target="_blank">www.rurdev.usda.gov</a>
or by calling (202) 308-3667. </li>
<li>
<strong>
Mortgage Assistance Programs -
</strong>
The
Federal Trade Commission offers free information on mortgage assistance for
first time homebuyers. You can
contact them at (202) 326-2222 or by logging onto <a href="http://www.ftc.com" target="_blank">www.ftc.com</a>.
</li>
<li>
<strong>
Educational Homeowners Assistance -
</strong>
There
are non-profit agencies trained by the Federal government to support first time
homeowners with the basics in owning and managing a home. These agencies are funded by the U.S.
Department of Housing and Urban Development. You can find the closest one for your needs by calling the
Housing Counseling Center at 1-800-569-4287. </li>
<li>
<strong>
Home Renovation Programs -
</strong>There
are home repair programs for first time homeowners available in just about all
states. The grants range from $400
to $4000, depending on senior and veteran status. Here are some examples of numbers to contact in your
state: Minneapolis (MN) (612)
673-5095 or <a href="http://www.ci.minneapolis.mn.us/" target="_blank">www.ci.minneapolis.mn.us/</a>;
Los Angeles (CA) (213) 808-8888; Des Moines (IA) (541) 682-3755 or <a href="http://www.ci.des-moines.ia.us/departments/cd/" target="_blank">www.ci.des-moines.ia.us/departments/cd/</a>
</li>
<li><strong> Housing Classes - </strong>There are HUD approved
housing classes free of charge for first time homebuyers so that they are
better equipped to manage the financial responsibilities associated with owning
a home. </strong>The best way to find out
information regarding this government program is to call 1-800-569-4287 for the
closest agency in your area, or log onto <a href="http://www.hud.gov/offices/hsg/sfh/hcc_home.cfm" target="_blank">www.hud.gov/offices/hsg/sfh/hcc_home.cfm</a>.
</li>
<li><strong>Veterans Housing Assistance - </strong>The
Federal Government and the individual states have finally begun to recognize
the critical importance of taking care of our ever-growing veterans of foreign
wars. The best contact for
available programs is the U.S. Department of Veteran Affairs, which can be
reached by telephone at 1-800-827-1000 or log onto <a href="http://www.va.gov" target="_blank">www.va.gov</a>.
and inquire about first time home buying assistance for veterans. </li>
<li><strong>Veterans and Disabled Homebuyer and Home
Renovation Assistance - </strong>The U.S. Department of
Agriculture offers special grants through its Section 504 program for home
renovations up to $10,000 for first time homeowners. The program eligibility requirements vary among the states
and cities. The best way to
determine if you are eligible for these grants is to contact your city government,
your county government, and your community development office. You can also contact the National
Association of Housing and Redevelopment Office at 1-877-866-2476 or by logging
onto <a href="http://www.nahro.org" target="_blank">www.nahro.org</a>. </li>
<li><strong>Mobile Home Repair - </strong>Many
states offer assistance to first time mobile home owners in the form of low
interest loans to buy a mobile home, or money to purchase the land on which
your mobile home stands. For
example, New York State offers both loans for mobile homes and loans to buy the
land on which your mobile home stands through its Manufactured Home Cooperative
Fund Program. The U.S. Department
of Agriculture provides low interest loans for the purchase of a mobile home or
to move it from one location to another. It is best to call the Guaranteed Manufactured Home Loan Program at
1-800-827-1000 or log onto <a href="http://www.homeloans.va.gov/" target="_blank">www.homeloans.va.gov/</a>
</li>
<li><strong>Federal Loan Guarantee - </strong>The
Rural Housing Service branch of the U.S. Department of Agriculture offers guaranteed
loans for first time homeowners of low-income classification through its
Section 502 Rural Housing Guarantee Loan. This is designed to encourage people of low income status to buy homes
in rural areas. Senior citizens
also qualify and are given special consideration. For more information, contact the Rural Housing Service
National Office at (202) 720-4323 or by logging onto <a href="http://www.rurdev.usda.gov/rhs" target="_blank">www.rurdev.usda.gov/rhs</a>. </li>
<li><strong>Free Houses - </strong>While
this is true, you may have to win a state lottery to get a free one. States generally refer to this program
as the Urban Homesteading Act. The
concept is that the government gets you a home for almost no cost at all, and
you must promise to live in that house for a certain number of years. You can receive assistance in locating
local agencies handling this program by logging onto <a href="http://www.nahro.org" target="_blank">www.nahro.org</a> or <a href="http://www.comcon.org" target="_blank">www.comcon.org</a>.
</li>
<li><strong>Mortgage Co-Sign by the Federal Government
- </strong>The Federal Government has a co-sign program for first time
homebuyers for an adjustable mortgage rate. For information, call the FHA mortgage Hotline at
1-800-HUDSFHA, or log onto <a href="http://www.hud.gov" target="_blank">www.hud.gov</a>. </li>
<li><strong>Community Action Partnership - </strong>This
group will provide you with over 1,000 non-profit agencies throughout the
country that will help you find assistance to improve your housing
situation. They can be contacted
at <a href="http://www.communityactionprogram.com" target="_blank">www.communityactionprogram.com</a>
or <a href="http://www.managingmymoney.com" target="_blank">www.managingmymoney.com</a>. You can receive assistance for home
renovations, such as bathroom and kitchen remodeling, rebates on new heating
systems, winterization, fuel bills and other home ownership cost assistance. </li>
<li><strong>Office of Fair Housing and Equal
Opportunity - </strong>Federal law prohibits discrimination on the
basis of race, creed, ethnicity, religion, sex or sexual orientation, family
status or disability. If you feel
that your rights have been violated in one way or another in your first time
home buying process, call the office at 1-800-669-9777 or log onto <a href="http://www.hud.gov/complaints/housediscrim.cfm" target="_blank">www.hud.gov/complaints/housediscrim.cfm</a>.
</li>
<li><strong>Internal Revenue Service - </strong>if you
have made modifications to your first home due to health reasons, you can
deduct these modifications from your income tax. Call the IRS at 1-800-829-1040 or log onto <a href="http://www.irs.gov" target="_blank">www.irs.gov</a> for further information on making the
deduction. </li>
<li><strong>Medicaid - </strong>If you
are receiving Medicaid benefits and need to make home modifications and repairs
for your health and safety, Medicaid may pay for these modifications as well as
medical equipment. Log onto <a href="http://www.medicare.gov" target="_blank">www.medicare.gov</a> for further information. </li>
<li><strong>AARP Home Equity Center - </strong>If you
are a senior 62 years and older, you are eligible for a program called Reverse
Mortgage. This is a type of home
equity loan that allows you to convert some of the equity of your home into
cash while you retain ownership of your home. Call (651) 222-6797 or log onto <a href="http://www.aarp.com" target="_blank">www.aarp.com</a>
for further information and eligibility verification. </li>
<li><strong>Elder Housing Assistance - </strong>The
American Association of Homes and Services for the Aging offers assistance for
seniors in finding housing, community based services, nursing homes and
retirement communities. They can
be reached at (202) 783-2242 or log onto <a href="http://www.aasha.org" target="_blank">www.aasha.org</a>.
</li>
<li><strong>Down Payment Grants -</strong> The
AmeriDreamCharity will pay 5% of your first time homebuyer down payment costs
through its AmeriDream Downpayment Gift Program. Call them at (866) 263-7437 or log onto
<a href="http://www.ameridream.org" target="_blank">www.ameridream.org</a>. </li>
<li><strong>Closing Costs and Mortgage Assistance
-</strong> The Housing Counseling Clearinghouse (HCC) will be able to
furnish you with local housing counseling agencies that are geared towards
helping first time homebuyers with financial matters, such as closing costs and
mortgage payments. They can be reached
24 hours a day at 1-800-569-4287, or by logging onto <a href="http://www.hud.gov/offices/hsq/hcc/hccprof14.cfm" target="_blank">www.hud.gov/offices/hsq/hcc/hccprof14.cfm</a>.
</li>
<li><strong>Housing Finance Agencies by State -</strong>
Individual states provide a great deal of assistance with regard to housing
programs, including the 2009 American Recovery and Reinvestment Act. You can contact your State Housing
Finance Agency listed below. If
you have any difficulty, log onto <a href="http://www.state.gov/recovery/" target="_blank">www.state.gov/recovery/</a>
or <a href="http://www.consumer.gov" target="_blank">www.consumer.gov</a>. </li>
<li><strong>National Non-Profit Organization Listings -</strong>
The
Foundation Center provides a listing of hundreds of non-profit agencies that
offer financial assistance to first time homebuyers, home owners and land
developers. It has a database of
over 100,000 non-profit organizations that give out grants. You can reach the Foundation Center by
calling them at (212) 620-4230 or by logging onto <a href="http://www.fdncenter.org" target="_blank">www.fdncenter.org</a>. </li>
<li><strong>Guidestar Foundation Listings - </strong>The Guidestar is a tremendous resource for non-profit foundations and organizations
that give financial assistance for first time home purchases and related costs. Contact them at (757)
229-4631 or log onto <a href="http://www.guidestar.org" target="_blank">www.guidestar.org</a>. </li>
</ol>
<a name="programs"><fieldset>
<h3>Federal Grants, Loans and Guaranteed Housing Programs</h3>
<p>The Federal Government has many programs that it sponsors for housing for first time homebuyers. For information on
these programs, log onto <a href="http://www.cfda.gov" target="_blank">www.cfda.gov</a>. Here are twenty-one of its most
notable ones for first time homebuyers:</p>
<a href="#toc">Back to Table of Contents</a>
</fieldset></a>
<ol start="32">
<li><strong>The Dollar Home Sale Program - </strong>Referred to as Program 14.313 in the CFDA, this program fosters housing opportunities for
low-to moderate income families and addresses specific community needs.</li>
<li><strong> The Rural Self-Help Technical Assistance Program - </strong>This program
provides technical assistance to qualified non-profits and people to build
homes in rural areas by the self-help method. You can find it in the CFDA as
Program 10.420. </li>
<li><strong> Rehabilitation Mortgage Insurance Program - </strong>This program, referred to as Program 14.108
in the CFDA, allows families to repair, improve, purchase or refinance existing
residential structures more than a year old. </li>
<li><strong>Teacher Next-Door Initiative - </strong>
This program, referred to in the CFDA as Program 14.310, is designed to
strengthen communities by encouraging public and private school teachers to
live in low and moderate income neighborhoods. </li>
<li><strong>Officer Next-Door Program - </strong>This program,
referred to in the CFDA as Program 14.198, is designed to strengthen
communities by providing homeownership opportunities to law enforcement
officers in HUD-designated revitalization areas, in order to improve the
quality of life in these neighborhoods by their presence.</li>
<li><strong> The Farm Labor Housing Loans and Grants Program -</strong>
This program provides decent, safe and sanitary low-rent housing and related facilities for domestic farm laborers. </li>
<li><strong> Veterans Housing Fix-Up a Home Program - </strong>This
program, referred to as Program 64.114 in the CFDA, assists veterans, certain
service personnel as well as certain unmarried surviving spouses of veterans in
obtaining credit for the purchase, construction or improvement of homes on
better terms than are available to non-veterans. </li>
<li><strong>The Self-Help Ownership Opportunity Program - </strong>This program, referred to as Program 14.247 in the
CFDA, encourages innovative homeownership opportunities through the provision of self-help housing where
the homebuyer contributes a significant amount of sweat equity toward the
construction of the dwellings. </li>
<li><strong>The Home Investment Partnership Program - </strong>This
program, referred to as Program 14.239 in the CFDA, also known as HOME, expands the supply of affordable
housing, particularly rental housing, for low and very low income citizens. </li>
<li><strong>Healthy Homes Demonstration Grants - </strong>This
program, referred to as Program 14.901 in the CFDA, is designed
to develop, demonstrate, and promote cost-effective, preventive measures to
correct multiple safety and health hazards in the home environment that produce
serious diseases and injuries in children of low-income families. </li>
<li><strong>Very Low Income Housing Repair Loans and Grant Programs - </strong>This
program, referred to as Program 14.017 in the CFDA, provides
loans and grants to very low-income homeowners in rural areas to repair,
improve, or modernize their dwellings or to remove health and safety hazards. </li>
<li><strong> Community Development Block Grants/Entitlement Grants - </strong>This program, referred
to as Program 14.218 in the CFDA, develops viable urban communities by providing decent housing and a
suitable living environment, and by expanding economic opportunities,
principally for persons of low and moderate income. </li>
<li><strong> Community Development Block Grants, Section 108 Loan Guarantees </strong>This program,
referred to as Program 14.248 in the CFDA, provides communities with a source
of financing for economic development, housing rehabilitation, public
facilities, and large scale physical development projects. </li>
<li><strong>The Multifamily Assisted Housing Reform and
Affordability Act - </strong>This program,
referred to as Program 14.197 in the CFDA, provides grants for affordable
FHA-insured Section 8 assisted housing. </li>
<li><strong> Mortgage Insurance- Manufactured Home Parks Program</strong> - This program, referred
to as Program 14.127 in the CFDA, allows for the financing for the
rehabilitation of manufactured home parks. </li>
<li><strong> Historically Black Colleges and Universities Program</strong> - This program, referred to as
Program 14.520 in the CFDA, assists Historically Black Colleges and
Universities (HBCUs) in expanding their role and effectiveness in addressing
community development needs in their localities, including neighborhood
revitalization, housing, and economic development consistent with the purposes
of Title I of the Housing and Community Development Act of 1974. </li>
<li><strong>Opportunities for Youth/Youth Build Program</strong> - This program referred to as Program 14.243 in
the CFDA provides funding assistance for a wide range of multi-disciplinary
activities and services to assist economically disadvantaged youth. </li>
<li><strong>Veterans Housing Direct Loans For Certain Disabled Veterans</strong> - This program, referred
to as Program 64.118 in the CFDA, provides veterans who are eligible for a Specially Adapted
Housing grant with a loan directly from the VA in certain circumstances. </li>
<li><strong>Specially Adapted Housing for Disabled Veterans Programs - </strong>This program, referred to as
Program 64.106 in the CFDA, provides grants to certain severely disabled veterans to acquire
a home which is suitably adapted to meet the special needs of their disabilities. </li>
<li><strong>Supportive Housing for the Elderly Program - </strong>This program, referred to as
Program 14.157 in the CFDA, provides capital advances to be used to finance the
construction or rehabilitation of a structure, or the acquisition of a
structure to provide supportive housing for the elderly, which may include the
cost of real property acquisition, site improvement, conversion, demolition,
relocation and other expenses of supportive housing for the elderly. </li>
<li><strong>Assisted Living Conversion For Eligible Multifamily Housing Projects - </strong>
This program, referred to as Program 14.314 in the
CFDA, provides financial assistance to private nonprofit owners of eligible
developments designed for the elderly with a grant to allow the conversion of
some or all of the dwelling units in the project into Assisted Living
Facilities (ALF's) serving the frail elderly. </li>
<li><strong>Housing Finance Agencies by State -</strong> Individual states provide a great deal of
assistance with regard to first time housing programs, including the 2009
American Recovery and Reinvestment Act. You can contact your State Housing Finance Agency listed below.
If you have any difficulty, log on to <a href="http://www.state.gov/recovery/" target="_blank">www.state.gov/recovery/</a> or
<a href="http://www.consumer.gov" target="_blank">www.consumer.gov</a>.</li>
</ol>
<h1><a name="agencies-bystate">Housing Finance Agencies by State</a></h1>
<a href="#toc">Back to Table of Contents</a>
<p><strong>Alabama</strong><br/>
Alabama Housing Finance Authority<br/>
2000 Interstate Park Dr., Suite 408<br/>
Montgomery, AL 36109<br/>
Mailing address:<br/>
P.O. Box 230909<br/>
Montgomery, AL 36123<br/>
334-244-9200<br/>
800-325-2432<br/>
<a href="http://www.ahfa.com/" target="_blank">www.ahfa.com</a> </p>
<p><strong>Alaska</strong><br/>
Alaska Housing Finance Corporation<br/>
4300 Boniface Parkway<br/>
Anchorage, AK 99504<br/>
Mailing Address<br/>
P.O. Box 101020<br/>
Anchorage, AK 99510<br/>
907-338-6100<br/>
800-478-2432<br/>
<a href="http://www.ahfc.state.ak.us/" target="_blank">www.ahfc.state.ak.us</a> </p>
<p><strong>Arizona</strong><br/>
Arizona Department of Commerce<br/>
Office of Housing Development<br/>
3800 North Central<br/>
Suite 1500<br/>
Phoenix, AZ 85012<br/>
602-280-1365<br/>
<a href="http://www.housingaz.com/" target="_blank">www.housingaz.com</a> </p>
<p><strong>Arkansas</strong><br/>
Arkansas Development Finance Authority<br/>
423 Main St., Suite 500<br/>
Little Rock, AR 72201<br/>
501-682-5900<br/>
<a href="http://www.state.ar.us/adfa" target="_blank">www.state.ar.us/adfa</a> </p>
<p><strong>California</strong><br/>
California Housing Finance Agency<br/>
1121 L St. <br/>
Sacramento, CA 95814<br/>
916-322-3991<br/>
<a href="http://www.calhfa.ca.gov/" target="_blank">www.calhfa.ca.gov</a> </p>
<p><strong>Colorado</strong><br/>
Colorado Housing Finance Agency<br/>
1981 Blake St. <br/>
Denver, CO 80202<br/>
303-297-2432<br/>
800-877-CHFA<br/>
<a href="http://www.chfainfo.com" target="_blank">www.chfainfo.com</a> </p>
<p><strong>Connecticut</strong><br/>
Connecticut Housing Finance Authority<br/>
999 West St. <br/>
Rocky Hill, CT 06067<br/>
860-721-9501<br/>
<a href="http://www.chfa.org/" target="_blank">www.chfa.org</a> </p>
<p><strong>Delaware</strong><br/>
Delaware State Housing Authority<br/>
18 Green<br/>
Dover, DE 19901<br/>
302-739-4263<br/>
<a href="http://www.destatehousing.com/" target="_blank">www.destatehousing.com/</a> </p>
<p><strong>District of Columbia</strong><br/>
DC Department of Housing and Community Development<br/>
801 North Capitol St., NE<br/>
Suite 8000<br/>
Washington, DC 20002<br/>
202-442-7200<br/>
<a href="http://dhcd.dc.gov/">http://dhcd.dc.gov</a> </p>
<p><strong>Florida</strong><br/>
Florida Housing Finance Corporation<br/>
227 North Bronough St., Suite 5000<br/>
Tallahassee, FL 32301<br/>
850-488-4197<br/>
<a href="http://www.floridahousing.org/" target="_blank">www.floridahousing.org</a> </p>
<p><strong>Georgia</strong><br/>
Georgia Department of Community Affairs<br/>
60 Executive Parkway South NE<br/>
Atlanta, GA 30329<br/>
404-679-4940<br/>
<a href="http://www.dca.state.ga.us/" target="_blank">www.dca.state.ga.us</a> </p>
<p><strong>Hawaii</strong><br/>
Housing and Community Development Corporation of Hawaii<br/>
677 Queen St., Suite 300<br/>
Honolulu, HI 96813<br/>
800-587-0597<br/>
<a href="http://www.hcdch.state.hi.us/" target="_blank">www.hcdch.state.hi.us</a> </p>
<p><strong>Idaho</strong><br/>
Idaho Housing and Finance Association<br/>
565 West Myrtle<br/>
P.O. Box 7899<br/>
Boise, ID 83707<br/>
208-331-4882<br/>
<a href="http://www.ihfa.org/" target="_blank">www.ihfa.org</a> </p>
<p><strong>Illinois</strong><br/>
Illinois Housing Development Authority<br/>
401 North Michigan Ave., Suite 900<br/>
Chicago, IL 60611<br/>
312-836-5200<br/>
<a href="http://www.ihda.org/" target="_blank">www.ihda.org</a> </p>
<p><strong>Indiana</strong><br/>
Indiana Housing Finance Authority<br/>
115 West Washington St. <br/>
Suite 1350, South Tower<br/>
Indianapolis, IN 46204<br/>
317-232-7777<br/>
800-872-0371<br/>
<a href="http://ihcda.in.gov/">http://ihcda.in.gov/</a> </p>
<p><strong>Iowa</strong><br/>
Iowa Finance Authority<br/>
100 East Grand, Suite 250<br/>
Des Moines, IA 50309<br/>
515-242-4990<br/>
800-432-7230<br/>
<a href="http://www.ifahome.com/" target="_blank">www.ifahome.com</a> </p>
<p><strong>Kansas</strong><br/>
Kansas Housing Resources Corporation<br/>
1000 SW Jackson St., Suite 100<br/>
Topeka, KS 66612<br/>
785-296-5865<br/>
<a href="http://www.kshousingcorp.org/" target="_blank">www.kshousingcorp.org</a> </p>
<p><strong>Kentucky</strong><br/>
Kentucky Housing Corporation<br/>
1231 Louisville Rd. <br/>
Frankfort, KY 40601<br/>
502-564-7630<br/>
800-633-8896<br/>
<a href="http://www.kyhousing.org/" target="_blank">www.kyhousing.org</a> </p>
<p><strong>Louisiana</strong><br/>
Louisiana Housing Finance Agency<br/>
2415 Quail Dr. <br/>
Baton Rouge, LA 70808<br/>
225-763-8700<br/>
<a href="http://www.lhfa.state.la.us/" target="_blank">www.lhfa.state.la.us</a> </p>
<p><strong>Maine</strong><br/>
Maine State Housing Authority<br/>
353 Water St. <br/>
Augusta, ME 04330<br/>
270-626-4600<br/>
800-452-4668<br/>
<a href="http://www.mainehousing.org/" target="_blank">www.mainehousing.org</a> </p>
<p><strong>Maryland</strong><br/>
Maryland Department of Housing and Community Development<br/>
100 Community Place<br/>
Crownsville, MD 21032<br/>
410-514-7000<br/>
800-756-0119<br/>
<a href="http://www.dhcd.state.md.us/" target="_blank">www.dhcd.state.md.us</a> </p>
<p><strong>Massachusetts</strong><br/>
Mass Housing<br/>
One Beacon St. <br/>
Boston, MA 02108<br/>
617-854-1000<br/>
<a href="https://www.masshousing.com/portal/server.pt">https://www.masshousing.com/portal/server.pt</a> </p>
<p>Massachusetts
Department of Housing and Community Development<br/>
One Congress St., 10th Floor<br/>
Boston, MA 02114<br/>
617-727-7765<br/>
<a href="http://www.mass.gov/dhcd/" target="_blank">www.mass.gov/dhcd/</a> </p>
<p><strong>Michigan</strong><br/>
Michigan State Housing Development Authority<br/>
735 E. Michigan Ave. <br/>
P.O. Box 30044<br/>
Lansing, MI 48912<br/>
517-373-8370<br/>
<a href="http://www.michigan.gov/mshda" target="_blank">www.michigan.gov/mshda</a> </p>
<p><strong>Minnesota</strong><br/>
Minnesota Housing Finance Agency<br/>
400 Sibley St., Suite 300<br/>
St. Paul, MN 55101<br/>
651-296-7608<br/>
800-657-3769<br/>
<a href="http://www.mhfa.state.mn.us/" target="_blank">www.mhfa.state.mn.us</a> </p>
<p><strong>Mississippi</strong><br/>
Mississippi Home Corporation<br/>
840 River Place, Suite 605<br/>
P.O. Box 23369<br/>
Jackson, MS 39225<br/>
601-718-4642<br/>
<a href="http://www.mshc.com/" target="_blank">www.mshc.com</a> </p>
<p><strong>Missouri</strong><br/>
Missouri Housing Development Commission<br/>
3435 Broadway<br/>
Kansas City, MO 64111<br/>
816-759-6600<br/>
<a href="http://www.mhdc.com/" target="_blank">www.mhdc.com</a> </p>
<p><strong>Montana</strong><br/>
Montana Board of Housing- Department of Commerce<br/>
301 S. Park Ave. <br/>
Helena, MT 59601<br/>
Mailing Address<br/>
P.O. Box 200501<br/>
Helena, MT 59620<br/>
406-841-2700<br/>
<a href="http://housing.mt.gov/">http://housing.mt.gov/</a> </p>
<p><strong>Nebraska</strong><br/>
Nebraska Investment Finance Authority<br/>
200 Commerce Court<br/>
1230 O St. <br/>
Lincoln, NE 68508<br/>
402-434-3900<br/>
800-204-6432<br/>
<a href="http://www.nifa.org/" target="_blank">www.nifa.org</a> </p>
<p><strong>Nevada</strong><br/>
Nevada Housing Division<br/>
1802 North Carson St., Suite 154<br/>
Carson City, NV 89701<br/>
775-687-4258<br/>
800-227-4960<br/>
<a href="http://nvhousing.state.nv.us/">http://nvhousing.state.nv.us</a> </p>
<p><strong>New Hampshire</strong><br/>
New Hampshire Financing Authority<br/>
P.O. Box 5087<br/>
Manchester, NH 03108<br/>
603-472-8623<br/>
800-640-7239<br/>
<a href="http://www.nhhfa.org/" target="_blank">www.nhhfa.org</a> </p>
<p><strong>New Jersey</strong><br/>
New Jersey Housing and Mortgage Finance Agency<br/>
647 South Clinton Ave.<br/>
P.O. Box 18550<br/>
Trenton, NJ 08650<br/>
609-278-7400<br/>
800-NJ-HOUSE<br/>
<a href="http://www.state.nj.us/dca/hmfa" target="_blank">www.state.nj.us/dca/hmfa</a> </p>
<p><strong>New Mexico</strong><br/>
New Mexico Mortgage Finance Authority<br/>
344 4th St., SW<br/>
Albuquerque, NM 87102<br/>
505-843-6880<br/>
800-444-6880<br/>
<a href="http://www.nmmfa.org/" target="_blank">www.nmmfa.org</a> </p>
<p><strong>New York</strong><br/>
New York State Division of Housing and Community Renewal<br/>
Hampton Plaza<br/>
38-40 State St. <br/>
Albany, NY 12207<br/>
518-473-2517<br/>
<a href="http://www.dhcr.state.ny.us/" target="_blank">www.dhcr.state.ny.us</a> </p>
<p>New York Housing
Finance Agency<br/>
641 Lexington Ave.<br/>
New York, NY 10022<br/>
212-688-4000<br/>
<a href="http://www.nyhomes.org/" target="_blank">www.nyhomes.org</a> </p>
<p><strong>North
Carolina</strong><br/>
North Carolina Housing Finance Agency<br/>
3508 Bush St. <br/>
Raleigh, NC 27609<br/>
919-877-5700<br/>
800-393-0988<br/>
<a href="http://www.nchfa.com/" target="_blank">www.nchfa.com</a> </p>
<p><strong>North Dakota</strong><br/>
North Dakota Housing Finance Agency<br/>
1500 E. Capital Ave. <br/>
P.O. Box 1535<br/>
Bismarck, ND 58502<br/>
701-328-8080<br/>
800-292-8621<br/>
<a href="http://www.ndhfa.org/" target="_blank">www.ndhfa.org</a> </p>
<p><strong>Ohio</strong><br/>
Ohio Housing Finance Agency<br/>
57 E. Main St. <br/>
Columbus, OH 43215<br/>
614-466-7970<br/>
<a href="http://www.ohiohome.org/" target="_blank">www.ohiohome.org/</a> </p>
<p><strong>Oklahoma</strong><br/>
Oklahoma Housing Finance Agency<br/>
100 N. 63rd St., Suite 200<br/>
P.O. Box 26720<br/>
Oklahoma City, OK 73126<br/>
405-848-1144<br/>
800-256-1489<br/>
<a href="http://www.ohfa.org/" target="_blank">www.ohfa.org</a> </p>
<p><strong>Oregon</strong><br/>
Oregon Housing Agency<br/>
P.O. Box 14508<br/>
Salem, OR 97309<br/>
503-986-2000<br/>
<a href="http://www.ohcs.oregon.gov/" target="_blank">www.ohcs.oregon.gov/</a> </p>
<p><strong>Pennsylvania</strong><br/>
Pennsylvania Housing Finance Agency<br/>
2101 North Front St. <br/>
P.O. Box 8029<br/>
Harrisburg, PA 17105<br/>
717-780-3800<br/>
<a href="http://www.phfa.org/" target="_blank">www.phfa.org</a> </p>
<p><strong>Rhode Island</strong><br/>
Rhode Island Housing and Mortgage Finance Corporation<br/>
44 Washington St. <br/>
Providence, RI 02903<br/>
401-751-5566<br/>
<a href="http://www.rihousing.com/" target="_blank">www.rihousing.com</a> </p>
<p><strong>South Carolina</strong><br/>
South Carolina State Housing Finance and Development Authority<br/>
919 Bluff Rd. <br/>
Columbia, SC 29201<br/>
803-734-2000<br/>
<a href="http://www.sha.state.sc.us/" target="_blank">www.sha.state.sc.us</a> </p>
<p><strong>South Dakota</strong><br/>
South Dakota Housing Development Authority<br/>
221 South Central Ave. <br/>
Pierre, SD 57501<br/>
605-773-3181<br/>
<a href="http://www.sdhda.org/" target="_blank">www.sdhda.org</a> </p>
<p><strong>Tennessee</strong><br/>
Tennessee Housing Development Agency<br/>
404 James Robertson Parkway<br/>
Suite 1114<br/>
Nashville, TN 37243<br/>
615-741-2400<br/>
<a href="http://www.state.tn.us/thda" target="_blank">www.state.tn.us/thda</a> </p>
<p><strong>Texas</strong><br/>
Texas Department of Housing and Community Affairs<br/>
507 Sabine St. <br/>
Austin, TX 78701<br/>
Mailing Address<br/>
P.O. Box 13941<br/>
Austin, TX 78711<br/>
512-475-3800<br/>
<a href="http://www.tdhca.state.tx.us/" target="_blank">www.tdhca.state.tx.us</a> </p>
<p><strong>Utah</strong><br/>
Utah Housing Finance Agency<br/>
554 South 300 East<br/>
Salt Lake City, UT 84111<br/>
801-521-6950<br/>
800-284-6950 (UT only) <br/>
800-344-0452 (outside UT) <br/>
<a href="http://b2b.utahhousingcorp.org/cgi-bin/R?P=uhc_home.html" target="_blank">b2b.utahhousingcorp.org/cgi-bin/R?P=uhc_home.html</a> </p>
<p><strong>Vermont</strong><br/>
Vermont Housing Finance Agency<br/>
One Burlington Square<br/>
P.O. Box 408<br/>
Burlington, VT 05402<br/>
802-864-5743<br/>
<a href="http://www.vhfa.org/" target="_blank">www.vhfa.org</a> </p>
<p>Vermont State Housing
Authority<br/>
One Prospect St. <br/>
Montpelier, VT 05602<br/>
802-828-3295<br/>
<a href="http://www.vsha.org/" target="_blank">www.vsha.org</a> </p>
<p><strong>Virginia</strong><br/>
Virginia Housing Development Authority<br/>
601 South Belvidere St. <br/>
Richmond, VA 23220<br/>
804-782-1986<br/>
800-968-7837<br/>
<a href="http://www.vhda.com/" target="_blank">www.vhda.com</a> </p>
<p><strong>Washington</strong><br/>
Washington State Housing Finance Commission<br/>
1000 Second Ave.<br/>
Suite 2700<br/>
Seattle, WA 98104<br/>
206-464-7139<br/>
800-767-4663<br/>
<a href="http://www.wshfc.org/" target="_blank">www.wshfc.org</a> </p>
<p><strong>West Virginia</strong><br/>
West Virginia Housing Development Fund<br/>
814 Virginia St. East<br/>
Charleston, WV 25301<br/>
304-345-6475<br/>
800-933-9843<br/>
<a href="http://www.wvhdf.com/" target="_blank">www.wvhdf.com</a> </p>
<p><strong>Wisconsin</strong><br/>
Wisconsin Housing and Economic Development Authority<br/>
201 West Washington, Suite 700<br/>
P.O. Box 1728<br/>
Madison, WI 53701<br/>
608-266-7884<br/>
800-334-6873<br/>
<a href="http://www.wheda.com/" target="_blank">www.wheda.com</a> </p>
<p><strong>Wyoming</strong><br/>
Wyoming Community Development Authority<br/>
155 North Beech<br/>
Casper, WY 82602<br/>
307-265-0603<br/>
<a href="http://www.wyomingcda.com/" target="_blank">www.wyomingcda.com</a> </p>
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