Association and other partners. During the first six months of operation, the hotline received11,000 calls which were subsequently referred. The benefits of the program extend beyondforeclosure help, as many of the counseling agencies are able to identify other areas inwhich the borrowers’ needs are not being met and work closely with other organizations toprovide aid.Tables and FiguresOwner <strong>Housing</strong> Costs as a Percentage of Household Income by Income Group(Pull-out box)Income Category Less than $10,000 to $20,000 to $35,000 to $50,000$10,000 $19,999 $34,999 $49,999 and aboveTotal 106,820 226,134 443,090 463,072 1,374,007Less than 20 percent 4,065 65,391 205,246 228,636 997,75120 to 24 percent 4,489 33,887 46,218 80,921 205,09725 to 29 percent 6,185 23,230 45,385 65,170 96,65830 to 34 percent 6,182 16,792 40,896 39,142 39,93430 percent or more 76,697 103,600 146,209 88,293 73,00035 percent or more 70,515 86,808 105,313 49,151 33,066Not computed 15,384 26 32 52 1,501Source: <strong>Ohio</strong> Department of Development, State of <strong>Ohio</strong> FY 2005-2009 Consolidated <strong>Plan</strong> StrategyMortgage Status by Selected Monthly Owner Costs as a Percentage of (Table I)Household Income2000 1990<strong>Housing</strong> <strong>Housing</strong> Total % <strong>Housing</strong> <strong>Housing</strong> Total %Units Units W/O Owner of Total Units W/ Units W/O Owner of TotalW/Mortgage Mortgage Units Mortgage Mortgage UnitsTotal 1,811,744 801,379 2,613,123 100.0% 1,435,245 841,948 2,276,743 100.0 %% 69.3 % 30.7 % 63 % 37 %of TotalLess 863,816 637,273 1,501,089 57.4 % 784,321 667,745 1,452,066 63.8 %than 20%20 to 24 319,129 51,483 370,612 14.2 % 256,828 56,321 313,149 13.8 %%25 to 29 206,327 30,301 236,628 9.1 % 150,705 33,951 184,656 8.1 %%30 to 34 124,032 18,914 142,946 5.5 % 79,681 20,563 100,244 4.4 %%35 291,848 53,005 344,853 13.2 % 159,331 55,929 215,260 9.5 %%or more30 415,880 71,919 487,799 18.7 % 239,012 76,492 315,504 13.9 %%or moreSource: <strong>Ohio</strong> Department of Development, State of <strong>Ohio</strong> FY 2005-2009 Consolidated <strong>Plan</strong> Strategy.56
Estimated Units in Need of Some Form of Rehabilitation (Table II)Owner UnitsBuilt 1990 Built 1980 Built 1970 Built 1960 Built 1950 Built 1940 Built 1939 Estimated into 2000 to 1989 to1979 to 1969 to 1959 to 1949 or earlier Need ofRehabilitationTotal 453,415 281,709 447,647 424,434 527,146 260,902 677,261 556,5151, det. or 392,159 233,137 385,150 397,158 517,404 253,518 640,686 533,335attached2 to 4 6,290 4,349 6,407 3,906 4,956 5,466 31,637 18,8615 to 19 5,993 5,345 5,492 2,562 1,012 423 1,187 98620 to 49 514 899 1,084 832 267 138 261 24350 or 466 662 1,834 2,605 629 399 612 595moreMobile 47,830 37,188 47,568 17,341 2,796 938 2,807homeBoat, RV, 163 129 112 30 82 20 71Van, etc.Source: <strong>Ohio</strong> Department of Development, State of <strong>Ohio</strong> FY 2005-2009 Consolidated <strong>Plan</strong> Strategy.Estimated Impacts and Beneficiaries of Homeownership Education and Counseling(Figure II)Reduced loan delinquency• Borrowers avoid penalty fees, credit blemish, default costs and emotional stress• Lenders avoid lost revenue• Neighborhoods avoid vacant homes from foreclosureSource: Hirad and Zorn (2001); Hartarska, Gonzalez-Vega and Dobos (2002); Staten, Elliehausen and Lundquist (2002)Improved financial health and increased knowledge• Borrowers are more creditworthy and have less stressSource: Staten, Elliehausen and Lundquist (2002) Additional research neededIncreased neighborhood satisfaction• Borrowers are happier• Neighborhoods have invested residentsResearch needed57
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OHFA Annual PlanThe Ohio Housing Fi
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Workgroup #8:Permanent Supportive H
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3. Assist local Continuums of Care
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Program and Resource InventoryNonpr
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Table 2PopulationsPersons whoexperi
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Examples: A national model for succ
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oles, so they create a contract bet
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Workgroup #8:Appendix ANameProgramD
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or remedyingneglect, abuse,or the e
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ased healthcare, and earlyintervent
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“Bob” of Stark County, OhioPubl