Chapter 1 - San Diego Housing Commission

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Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program - Continuous employment by the head, spouse or adult on the mortgage document defined as full time employment (average of no less than 35 hours per week) with no gap in employment lasting more than four weeks total (35 hours x 48 weeks = 1,680 hours) or, - Earned income received by the head, spouse or adult on the mortgage document during the past year greater than the state minimum wage times 2,000 hours. The employment requirement is not applicable to elderly or disabled families. 3. Mitigating Circumstances and Hardship Policy If a working family is subsequently determined by SDHC to now qualify as a “disabled family,” as defined by HUD, the full-time employment requirement is no longer applicable to that family. SDHC will consider mitigating circumstances where certain lapses in employment prohibit the family from meeting its continuous employment obligation. These include receipt of Unemployment Insurance Benefits due to layoff; absences defined under the Family Medical Leave Act receipt of Workman’s Compensation benefits. SDHC will allow week-for-week substitutions whenever of any of these benefits are received. The participant must return to full-time employment within 30 days after exhaustion of unemployment benefits. Failure to return to full-time employment (average of no less than 35 hours per week) within 30 days will generate a 60-day Notice to Correct. Failure to correct will result in a correctable 30-day Notice of Termination. A participant who is employed but is on leave from work due to maternity leave, FMLA or is receiving Workman’s Compensation, is exempt from the full-time employment requirement during the period of approved leave from work. A participant must return to full-time employment within 30 days after exhaustion of applicable benefits. Willful failure to return to full-time employment (an average of no less than 35 hours per week), after 30 days, will generate a 60-day Notice to Correct. Failure to correct will result in a correctable 30-day Notice of Termination. Consideration of other mitigating circumstances is at the discretion of the HCV Homeownership Assistant recommendation to the Vice President of Rental Assistance. Determinations of the Vice President are made on a case-by-case basis. 4. Guests and Changes in Family Composition All changes in family composition must be reported to the HCV Homeownership Assistant. The birth, adoption, or court-awarded custody of a child must be reported in writing with in ten (10) calendar days. All other new family members, including foster children, must be approved as eligible residents before moving into the residence. Family guests are permitted for a period not to exceed 30 days in any calendar year. SDHC may consider persons who exceed the 30-day occupancy limit, or who use the residence as a personal mailing address, unauthorized family members. The family may be in violation of their family obligations and SDHC may take appropriate action up to and including termination of assistance. 5. Other Continued Family Obligations By completing the HUD Statement of Homeowner Obligations and SDHC’s Statement of Homeowner Obligations Addendum prior to the issuance of the Certificate of Eligibility, the family agrees to comply with all family obligations under the Homeownership Program, including but not limited to: 15-14
Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program - The family must comply with the terms of any mortgage securing debt incurred to purchase the home or any refinancing of such debt. - At any time during which the family is receiving homeownership assistance, the family may not sell or transfer any interest in the home to any entity or person other than a member of the assisted family residing in the home. - A home equity loan or any refinancing may not be acquired without the prior written consent of SDHC. - The family must provide required information regarding income and family composition in order to correctly calculate the total tenant payment (TTP) and homeownership assistance, consistent with the HCV requirements and any other information requested by SDHC concerning financing, the transfer of any interest in the home, or the family’s homeownership expenses. - While receiving homeownership assistance, the family must notify SDHC within ten (10) calendar days if the family defaults on a mortgage securing any debt incurred to purchase the home. - While receiving homeownership assistance, the family must notify SDHC thirty (30) days before the family moves out of the home. - Request and receive SDHC approval in writing to add other family members, including foster children, or live-in aide as an occupant prior to moving them into the assisted unit; - Report to SDHC in writing within ten (10) calendar days the birth, adoption, or court awarded custody of a child, except for foster children; - Notify SDHC within ten (10) calendar days if any family member no longer resides in the unit; - Supply true and complete information; - The family must, at annual reexamination, document that the family is current on mortgage, insurance, escrow accounts, maintenance and major repair reserve account, HOA and COA fees, and utility payments. - The family is prohibited from moving more than one (1) time in a one (1) year period. The family may be required to participate in pre- and post-purchase homeownership counseling prior to re-housing. - While receiving homeownership assistance, no family member may have any ownership interest in any other residential property. - Sign a release allowing SDHC, counselors, realtors, and participating lenders to exchange information on the borrower. - Allow the family’s portion of the payment to be collected by a lender through a mandatory electronic withdrawal. Funds for electronic withdrawal must be available between the first and 5th of each month. - Agree to maintain the condition of the home to comply with minimum HUD Housing Quality Standards (HQS). - Acknowledge that the termination of assistance shall be in accordance with program requirements and the Administrative Plan. 15-15
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CHAPTER 1 - STATEMENT OF POLICIES A
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3. Veteran ________________________
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CHAPTER 5 - SUBSITY STANDARDS, VOUC
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CHAPTER 8 - ANNUAL REEXAMINATIONS A
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C. MOVING FORWARD: INSPECTIONS AND
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X. INFORMAL HEARING POLICY ________
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11. Utility Allowance _____________
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CHAPTER 15 - MOVING FORWARD: HOUSIN
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Chapter 1 - Statement of Policies a
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Chapter 2 - Waiting List, Admission
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Chapter 4 - Tenant Rent Calculation
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Chapter 12 - Special Housing Types
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Chapter 12 - Special Housing Types
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Chapter 1 - San Diego Housing Commission

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