Chapter 1 - San Diego Housing Commission

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Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program Homeownership assistance will only be provided while the family resides in the home. If the family moves out of the home, SDHC will not continue homeownership assistance commencing with the month after the family moves out. Neither the family nor the lender is obligated to reimburse SDHC for homeownership assistance paid for the month the family moves out. 3. Changes in Income Eligibility SDHC may adjust a family’s homeownership assistance based upon changes in family income. The effective change shall occur the first day of the month following the month in which a reexamination of income occurred. Participation in the HCV Homeownership Program shall continue until such time as the assistance payment amounts to zero for a period of six consecutive months. At that time the family will no longer be eligible and the HAP will be terminated. However, should the family go to zero HAP, for 180 consecutive days, SDHC reserves the right to extend the period past 180 days, should there be documented extenuating circumstances for an extension to the time period. Such documented extenuating circumstances include but is not limited to: - Death in the family; - Loss of employment or income due to no fault of the family; and/or - Documentation of a medical or financial hardship beyond the control of the family for a member of the assisted household. 4. Refusal to Meet Continuous Work Requirement SDHC may terminate a working family’s homeownership assistance based on a willful refusal to adhere to, or properly document, the full-time employment requirement. 5. Family Requests a Return to Rental Assistance If a family requests to return to rental assistance, SDHC may provide the family with a rental voucher, provided there is no mortgage loan default and the family has met all obligations under the HCV Program. The family must sell the home before SDHC provides rental assistance. Requests will be reviewed on a case-by-case basis. T. MORTGAGE DEFAULT If a family defaults on a mortgage, SDHC will terminate assistance. If a hardship exemption is requested, mitigating circumstances may be reviewed. Any decision to approve or deny rental assistance is based on HCV rental program policies and procedures addressed in SDHC Administrative Plan. If an applicant family includes an individual who, as an adult, previously experienced a mortgage default under the HCV Homeownership Program, that family will be denied admission to the HCV Homeownership Program. U. INFORMAL HEARINGS [24 CFR 982.555] An informal hearing will be provided for participants who are being terminated from the Program because of the family's action or failure to act as provided in 24 CFR 982.552. The rules and procedures set forth in the Administrative Plan, entitled “Informal Hearings,” will apply. 15-20
Chapter 15 – Moving Forward: Housing Choice Voucher Homeownership Program V. RECAPTURE [24 CFR 982.640] SDHC will not recapture the Homeownership Voucher payments unless there was an act of fraud or misrepresentation of a material fact in order to obtain a benefit. The HCV Homeownership recapture provision does not apply to any other program funds that may be used in the transaction. The First-time Homebuyer Deferred Loan program administered by SDHC will be recaptured upon sale, refinancing or at the end of the 30-year fixed mortgage, whichever occurs first. Any down payment assistance provided by SDHC, from any funding source (pending HUD approval and accepting the SDHC MTW Foreclosure Incentive Grant), or partners may be recaptured if the family sells, refinances, or disposes of the property. 15-21
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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 3 - Verification, Income, A
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Chapter 4 - Tenant Rent Calculation
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Chapter 9 - Owner Rents, Rent Reaso
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Chapter 12 - Special Housing Types
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Chapter 13 - Special Programs D. TR
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Chapter 1 - San Diego Housing Commission

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