Chapter 1 - San Diego Housing Commission

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CHAPTER 15 - MOVING FORWARD: HOUSING CHOICE VOUCHER HOMEOWNERSHIP PROGRAM A. INTRODUCTION ___________________________________________________________ 1 B. HOUSING CHOICE VOUCHER RULES APPLY ______________________________________ 1 C. ELIGIBILITY REQUIREMENTS FOR FAMILIES _____________________________________ 1 1. General Requirements __________________________________________________________ 1 2. Employment Obligations ________________________________________________________ 3 D. APPLICATION PROCESS _____________________________________________________ 3 1. Application Form ______________________________________________________________ 4 2. Application Attachments ________________________________________________________ 4 3. Application Review _____________________________________________________________ 4 E. DETERMINING “MORTGAGE READY” APPLICANTS ________________________________ 5 1. Incomplete Applications ________________________________________________________ 5 2. Homeownership Counseling _____________________________________________________ 5 F. CERTIFICATE OF ELIGIBILITY __________________________________________________ 6 1. Changes in Family Size or Composition _____________________________________________ 6 2. Changes in the Payment Standards ________________________________________________ 7 G. ELIGIBLE UNITS ____________________________________________________________ 7 H. FAMILY SEARCH AND OFFER TO PURCHASE _____________________________________ 8 I. CONTRACT OF SALE ________________________________________________________ 9 J. HOME INSPECTIONS ________________________________________________________ 9 1. Independent Home Inspection ____________________________________________________ 10 2. <strong>Housing</strong> Quality Standards (HQS) Inspection _________________________________________ 10 K. FINANCING and AFFORDABILITY OF PURCHASE _________________________________ 10 1. Down Payment Requirement ___________________________________________________ 11 2. Foreclosure Incentives _________________________________________________________ 11 3. Lending Partners ______________________________________________________________ 11 4. Underwriting Options _________________________________________________________ 12 5. Loan Restrictions _____________________________________________________________ 12 L. CONTINUED ASSISTANCE: FAMILY OBLIGATIONS _______________________________ 13 1. Continuous Reporting Requirements _____________________________________________ 13
2. Continuous Employment Obligations _____________________________________________ 13 3. Mitigating Circumstances and Hardship Policy ______________________________________ 14 4. Guests and Changes in Family Composition ________________________________________ 14 5. Other Continued Family Obligations ______________________________________________ 14 M. MAXIMUM TERM OF HOMEOWNERSHIP ASSISTANCE ___________________________ 16 N. HOUSING ASSISTANCE PAYMENT (HAP) _______________________________________ 17 O. PAYMENT STANDARD/SUBSIDY STANDARD ____________________________________ 18 P. PORTABILITY _____________________________________________________________ 18 Q. MOVE WITH CONTINUED TENANT-BASED ASSISTANCE ___________________________ 19 R. FORECLOSURE OF ASSISTED HOMES __________________________________________ 19 S. TERMINATION OF HOMEOWNERSHIP ASSISTANCE ______________________________ 19 1. Failure to Comply with Homeowner Obligations ____________________________________ 19 2. Occupancy of Home ___________________________________________________________ 19 3. Changes in Income Eligibility ____________________________________________________ 20 4. Refusal to Meet Continuous Work Requirement ____________________________________ 20 5. Family Requests a Return to Rental Assistance _____________________________________ 20 T. MORTAGE DEFAULT _______________________________________________________ 20 U. INFORMAL HEARINGS _____________________________________________________ 20 V. RECAPTURE _____________________________________________________________ 21 GLOSSARY A. ACRONYMS USED IN SUBSIDIZED HOUSING _____________________________________ 1 B. GLOSSARY OF TERMS IN SUBSIDIZED HOUSING __________________________________ 4 C. GLOSSARY OF TERMS USED IN THE NONCITIZEN RULE ___________________________ 17
Page 2 and 3: CHAPTER 1 - STATEMENT OF POLICIES A
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Page 6 and 7: CHAPTER 5 - SUBSITY STANDARDS, VOUC
Page 8 and 9: CHAPTER 8 - ANNUAL REEXAMINATIONS A
Page 10 and 11: C. MOVING FORWARD: INSPECTIONS AND
Page 12 and 13: X. INFORMAL HEARING POLICY ________
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Chapter 4 - Tenant Rent Calculation
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Chapter 5 - Subsidy Standards, Vouc
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Chapter 6 - Request for Approval of
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Chapter 7 - Moves with Continued As
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Chapter 7 - Moves with Continued As
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Chapter 8 - Annual Reexaminations a
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Chapter 9 - Owner Rents, Rent Reaso
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Chapter 10 - Housing Quality Standa
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Chapter 11 - Program Terminations a
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Chapter 12 - Special Housing Types
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Chapter 13 - Special Programs D. TR
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Chapter 13 - Special Programs - A n
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Chapter 13 - Special Programs unit
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Chapter 13 - Special Programs 9. On
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Chapter 13 - Special Programs 2. HA
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Chapter 13 - Special Programs - Any
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Chapter 13 - Special Programs SECTI
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Chapter 13 - Special Programs - Not
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Chapter 13 - Special Programs RESER
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Chapter 14 - Self-Sufficiency Actio
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Chapter 15 - Moving Forward: Housin
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GR Glossary Gross Rent HAP Housing
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Glossary B. GLOSSARY OF TERMS IN SU
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Glossary CONGREGATE HOUSING Housing
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Glossary - A remaining member of a
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Glossary INITIAL RENT TO OWNER The
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Glossary OWNER Any persons or entit
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Glossary SUBSIDIZED PROJECT A multi
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Glossary meeting housing expenses,
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Chapter 1 - San Diego Housing Commission

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