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Housing Agency award
Home Ownership Grants
T he O regon H ousing and co m
m u n ity S e r v ic e s D e p a rtm e n t
(O H C SD ) announced on February
5. 1998 that $45O,(XX) in H ome
O w n ersh ip A ssistan ce P rogram
grants have been aw arded to 14
organizations.
A ccording Io Bob R epine, D i
rector, "D ecid in g w ho receiv es
funding is alw ays a difficult task
there are always m ore good projects
that apply for funding than we have
available.” He believes one o f his
responsibilities as the new director
o f O H C SD is to find creative w ays
to identify new sources o f funding
to add to the d ep a rtm en t's existing
resources.
Dee Taylor, Residential Loan
Program M anager, adm inisters the
Home O w nership A ssistance Pro
gram for the D epartm ent and offers
high praise for those w ho were
aw arded funding. T aylor indicated,
"W e have $1.2 m illion in requests
for our $450.000. so the com peti
tion for funds was very tough."
The Home O w nership Assistance
Program w as created by the 1995
O regon Legislature for the purpose
o f expanding the sta te 's supply of
home ow nership housing for low
and very low incom e fam ilies and
individuals, eligible applicants are
nonprofit corporations, housing au-
thorities or local governm ents that
both sponsor and m anage low in
com e hom e ow nership program s
Funds are aw arded in the form ol
a grant and are available on a state
w ide basis, concentrating on those
areas o f the state with the greatest
need
Funds may be used in conjuction
with low incom e hom e ow nership
program s (including program ad
m inistratio n , to purchase land, pro
vide assistan ce w ith dow n pay-
m ents/closing costs, provide hom e
ow nership training. Funds may not
be used for an o rg an izatio n 's g en
eral operations or as a m eans to
cash How construction or reh ab ili
tation work in progress.
Grant proposals were evaluated on
the applicant's ability to provide the
greatest opportunity for addressing:
home ownership needs within thecom-
munity. long-term affordability, lever
aging of other sources of funds, readi
ness to proceed, related sixial services
programs, and the abil ity to administer/
manage funds
T he D epartm ent also ad m in is
ters federal and state anti-poverty,
hom eless anti energy assistan ce
com m unity service program s.
For more information on the Home
Ownership Assistance Program con
tact Dee Taylor at 503-986-204 I.
$ Get Cash Now $
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Grants and Subsidized Loans
Most hom eow ners are unaw are
that regardless of their income there
are Federal, stale and local program s
that will help them repair and re
model their hom es
G overnm ent at all levels reco g
nizes that neighborhoods are the ba
sis o f life in our country W hen a
n eig h b o rh o o d d eterio rates, m any
things happen both physically and
socially.
W hen the hom es look shabby, a
neighborhood seems more attractive
to crim e and crim inals. An area in
decline is like a spreading cancer. As
hom es becom e shabby looking anil
m need o f m aintenance, the residents
lose their desire to keep up the n eigh
borhood. Streets becom e receptacles
for trash, schools low er their stan
dards and very quickly the selling
price o f hom es in the area drops
sharply This accelerates the cycle of
degeneration
Advertise Your
Home hi
In order to keep and m aintain the
nation's housing and neighborhoods,
governm ent at all levels have p ro
gram s to give hom eow ners m oney
(lliat does not have to be repaid) for
repairs or to lend them m oney at
below m arket levels o ra l no interest
In many areas utility com panies will
eilhei do energy conservation work
tree or at low cost an in other places
will lend hom eow ners m oney at no
interest to pay the contractor o f their
choice for the necessary w ork. In
addition there are lax incentives to
prom ote efficient energy use.
These program s are not restricted
to low -incom e people, slum areas or
urban n eighborhoods. O w n ers of
single or m ulti-fam ily dw ellings are
eligible W hile the grants to not hav e
to be repaid, most of the loans offer
low or no-interest, long term s and
low paym ents.
Some o f the other hom e im prove
ments covered under these program s
are: attic and wall insulation, new
w indow s, oulerw all siding, security
doors, and locks, window guards.
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- ..- ...................... —....... JaBfefeBaif- .......
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RENTERS
RIGHTS
FORUM
D id you know
that...
It is ag ain st the law
to d isc rim in a te
ag ain st c h ild re n ?
If y o u r lan d lo rd
w ill not m ake rep a irs,
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A lan d lo rd can
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GREAT HOUSE, GREAT PRICE &
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4011 N.E. M.L.K.
Portland, OR 97212
(503) 288-3233
lor proving you can, when others say
you can't This virtue is upheld by the men
and women of Washington Mutual, who
have had a long standing commitment to
making the American dream of home
ownership come true for all individuals.
By looking beyond the numbers, we're
able to tailor our home loans to meet your
needs, not just ours. It is a unique distinction,
one that we are proud of. For more
information visit your local Washington
Mutual home loan center.
yiip Washington Mutual
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