2012 Program Guide

Introduction

CONTENTS Introduction ...... 2 HUD Income Guidelines ...... 3 Organizations in the Program Guide ...... 4 Homebuyer Assistance ...... 9 Rental Assistance ...... 28 Energy Assistance ...... 33 Emergency and Homeless Services ...... 35 Foreclosure Relief ...... 45 Disaster Recovery ...... 50 Community Development ...... 53 Fair Housing and Dispute Resolution ...... 60 Research and Funding Opportunities ...... 71 Appendixes ...... 74

Introduction

The Texas Department of Housing and Community Affairs (TDHCA) is the State’s lead agency responsible for affordable housing. TDHCA also administers various community affairs programs and colonia activities. The Program Guide (this document) serves as an overview of the wide range of available state and federal housing and housing-related programs. In addition to information on all TDHCA programs, the guide also includes housing- related programs from other state and federal agencies. Information from organizations other than TDHCA was obtained from agency websites or publications and may not be a complete listing of what each organization offers.

The Program Guide is one of a collection of publications that fulfill the requirements of §2306.072-§2306.0724. The other documents in the collection include the State of Texas Low Income Housing Plan and Annual Report, the Basic Financial Statements and Operating Budget, and the TDHCA Housing Sponsor Report. The Program Guide fulfills the requirements of §2306.0721(c)(4) and §2306.0721(c)(10).

The following chapters are organized by type of housing activity, first listing TDHCA programs, followed by applicable program offerings of other governmental entities. For further information on specific programs, please contact the appropriate agency.

TDHCA can be reached by phone at 1-800-525-0657, by email at [email protected], by mail at PO Box 13941, Austin, TX 78711-3941, or in person at 221 E 11th Street, Austin, TX 78701-2410. Additionally, people who need assistance can visit TDHCA’s Consumer Assistance webpage at http://www.tdhca.state.tx.us/texans.htm to search for local providers.

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HUD Income Guidelines

Programs that provide assistance will have different income guidelines; anyone looking for assistance should contact the program provider to determine the exact income requirements for the specific program. However, a general idea of 2011 income guidelines is below for a family of three in Texas, according to the U.S. Department of Housing and Urban Development.

Income Status (household of three) Total Household Income Amount (household of three)

Extremely low-income $16,050 and below (According to the U.S. Department of Health and Human Services, a household of three is considered at poverty level if its income is $18,530 or below.)

Very low-income $26,800

Low-income $42,850

Moderate-income $56,525

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Organizations in the Program Guide

The following public and private organizations have their programs listed in the program guide. Please find their background information below. Their contact information is listed after each particular program’s description.

Area Agencies on Aging (AAAs)

Councils of Governments (COGs)

Regional councils of governments (COGs) are voluntary associations of local governments formed under Texas law. These associations address problems and planning needs that require regional attention or that cross the boundaries of individual local governments. COGs coordinate planning and provide a regional approach to problem-solving through cooperative action and may provide direct services at the local level.

Fannie Mae

Fannie Mae is a government-sponsored enterprise, which means that they were created by Congress to serve the public. Fannie Mae is a private, shareholder-owned company, but, because of its congressional charter to serve public purposes, is regulated by HUD. In 2008, the Federal Housing Finance Agency was appointed as conservator of Fannie Mae and the U.S. Department of Treasury provided capital to ensure the company provides liquidity in the mortgage markets. Fannie Mae stimulates mortgage lending by purchasing originated loans directly from lenders, which puts mortgage funds back into the economy. Because of affordable housing goals set by HUD, Fannie Mae is able to develop mortgage products designed to assist low- to moderate-income buyers.

Freddie Mac

Like Fannie Mae, Freddie Mac is a stockholder-owned corporation chartered by Congress and must follow the goals and regulations set by HUD. The Freddie Mac Corporation purchases mortgages from lenders and packages and sells them to investors, which ultimately provides homeowners and renters with better access to home financing. In 2008, the Federal Housing Finance Agency was appointed as conservator of Freddie Mac and the U.S. Department of Treasury provided capital to ensure the company provides liquidity in the mortgage markets. Freddie Mac works with lenders to expand their reach into currently underserved markets through Affordable Lending, Community Development Lending and Fair Lending programs.

Federal Home Loan Bank

Federal Home Loan Banks are wholesale banks that are wholly owned by member financial institutions. They provide funding to member financial institutions to offer community development, affordable housing, small business and agriculture financing products.

The 12 Federal Home Loan Banks do not lend directly to individuals. They offer products through member institutions, which then fund local organizations. Because of this, assistance may be available only in specific areas.

Organizations in the Program Guide

NeighborWorks America

NeighborWorks America is a national nonprofit organization created by Congress to provide financial support, technical assistance and training for community-based revitalization.

Participating Jurisdictions (PJs)

A participating jurisdiction (PJ) is a state or local government that has been designated by the U.S. Department of Housing to administer federal HOME funds. Most large cities and highly-populated counties are PJs and such departments administer various housing programs.

Public Housing Authorities (PHA)

A public housing authority (PHA) is a governmental entity monitored by the U.S. Department of Housing and Urban Development that is authorized to develop and/or own housing units to be occupied by low and very low- income families. A PHA may also administer tenant-based Housing Choice (Section 8) voucher programs. Nearly all state, county or municipal governments operate a PHA and they are the main source for rental assistance in these areas.

Public Utility Commission of Texas (PUC)

The Public Utility Commission of Texas (PUC) is a state agency that protects consumers, fosters competition and promotes quality infrastructure of Texas’ telephone and electric market.

Federal Emergency Management Agency (FEMA)

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Texas Department of Agriculture (TDA), Office of Rural Affairs

The Office of Rural Affairs in the Texas Department of Agriculture (TDA) was created to develop policy specifically addressing economic and quality-of-life issues affecting small and rural communities across Texas. TDA administers programs supporting rural health care, the federal Community Development Block Grant (CDBG) nonentitlement program and programs designed to improve the leadership capacity of rural community leaders. TDA also coordinates and monitors the State's effort to improve the results and cost-effectiveness of programs affecting rural communities and provides an annual evaluation of the condition of rural Texas communities.

Texas Department of Agriculture (TDA), Texas State Office of Rural Health

The Texas State Office of Rural Health (SORH) joined the Texas Department of Agriculture in October 2011. Dedicated to serving the health needs of rural Texas, SORH staff work closely with local health care providers, county leaders and state partners to support access to quality health care for rural Texans. SORH works to assist rural health providers through a variety of programs including technical assistance, grants and educational awards that are available to individual clinicians, health care institutions and other organizations.

Organizations in the Program Guide

Texas Department of Aging and Disability Services (DADS) The Texas Department of Aging and Disability Services (DADS) is the State’s lead agency responsible for serving Texans 60 years of age and older. DADS administers various services through local Area Agencies on Aging (AAAs) that include in-home assistance, transportation services, care coordination, legal assistance, health maintenance and meal services. DADS may allocate a limited amount of funding to local AAAs for home repair activities

Texas Department of Assistive and Rehabilitative Services (DARS) The Texas Department of Assistive and Rehabilitative Services’ (DARS) purpose is to work in partnership with Texans with disabilities and families with children who have developmental delays to improve the quality of their lives and to enable their full participation in society.

 Texas Department of Housing and Community Affairs Programs (TDHCA) To better assist individuals on a local level, the Texas Department of Housing and Community Affairs administers its programs and services through a network of organizations located throughout the state. Texans can receive assistance from many of TDHCA’s programs or services. TDHCA’s website can help identify which program or service best meets the individual’s needs and locate and contact local organizations.

To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Texas Department of State Health Services (DSHS) The Texas Department of State Health Services’ (DSHS) mission is to improve the health and well-being in Texas. To achieve its mission, DSHS is responsible for certifications, licenses and permits for certain health-related equipment, facilities, businesses and occupations; community mental health and family health resources; substance abuse recovery resources; vital records, such as birth, death, marriage and divorce records; and health-related data and reports.

Texas General Land Office (GLO) GLO manages state lands, leases drilling rights for oil and gas production on state lands, administers programs that protect natural resources and facilitates economic development through marketing initiatives and veteran loan programs. Veteran loan programs are administered through the Texas Veterans Land Board. The Texas Veterans Land Board also sells forfeited land tracts.

Texas State Affordable Housing Corporation (TSAHC) TSAHC is a nonprofit corporation engaging in single-family and multifamily lending and is a statewide issuer of housing finance bonds. TSAHC is not a Texas State agency, but is subject to significant oversight by the State. It serves the housing needs of moderate- and lower-income Texans who may not be able to qualify for housing finance options through conventional lending channels. Because of the allocation of Mortgage Revenue Bonds, TSAHC is able to offer low-interest mortgage loans and down-payment assistance.

The programs available through TSAHC are available statewide on a first-come, first-served basis for first-time homebuyers to purchase a newly-constructed or existing home. Eligible borrowers can apply for a 30-year, fixed-rate mortgage loan with down-payment and/or closing-cost assistance. The interest rate and assistance percentage will be determined by current market rates.

Organizations in the Program Guide

U.S. Department of Agriculture (USDA) The mission of the U.S. Department of Agriculture (USDA) Rural Development is to improve the economy and quality of life for rural America. USDA programs include rental assistance, rental housing development, owner- occupied housing assistance, homebuyer assistance, community development, business development and technical assistance in rural areas of the state (generally considered areas with a population of less than 20,000 people).

When privately-owned rental properties are funded by the USDA, the units in the property must have reduced rents. Although these properties are privately owned, USDA monitors the properties for compliance with rent restrictions, maintenance and other housing issues.

U.S. Department of Housing and Urban Development (HUD)

The U.S. Department of Housing and Urban Development (HUD) is the federal agency responsible for national policy and programs that address housing needs, fair housing laws and community development throughout the United States. HUD is the main funding administrator of Housing Choice rental vouchers throughout the country and oversees PHAs.

U.S. Department of Veterans Affairs (VA)

The U.S. Department of Veterans Affairs (VA) is a federal agency providing federal benefits to veterans and their dependents. These benefits include healthcare, financial compensation and pension, education assistance, insurance services, homeless assistance programs and home loan assistance. VA home loan programs help veterans purchase homes with favorable loan terms and competitive interest rates. For VA housing loan purposes, “veteran” includes qualifying members of the Selected Reserve, active-duty service personnel and qualifying categories of spouses. The VA also sells homes.

U.S. Department of Defense (DOD)

The mission of the Department of Defense is to provide the military forces needed to deter war and to protect the security of our country. The department's headquarters is at the Pentagon. The Department of Defense is not only in charge of the military, but it also employs a civilian force of thousands.

U.S. Department of Commerce (DOC)

The Department of Commerce fosters, serves, and promotes the Nation's economic development and technological advancement. The Department of Commerce’s responsibilities include collaborating with other government agencies to create national policy; encouraging international trade; strengthening the United States’ economic position; advocating progressive business policies and growth; improving understanding and uses of the physical environment; ensuring use and growth of scientific and technical resources; acquiring, analyzing, and disseminating information regarding the economy to help achieve increased social and economic benefit; and assisting states, communities, and individuals with economic progress.

U.S. Department of Labor (DOL)

The Department of Labor’s mission is to foster and promote the welfare of the job seeks, wage earners and retirees of the United States by improving their working conditions, advancing their opportunities for profitable employment, protecting their retirement and health care benefits, helping employers find workers, strengthening free collective bargaining and training changes in employment, prices, and other national economic measures.

Organizations in the Program Guide

U.S. Department of the Treasury (DOT)

The Treasury Department is the executive agency responsible for promoting economic prosperity and ensuring the financial security of the United States. The Treasury Department is responsible for a wide range of activities such as advising the President on economic and financial issues, encouraging sustainable economic growth, and fostering improved governance in financial institutions. Its mission is to maintain a strong economy and create economic and job opportunities by promoting the conditions that enable economic growth and stability at home and abroad, strengthen national security by combating threats and protecting the integrity of the financial system, and manage the U.S. Government’s finances and resources effectively.

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Homebuyer Assistance

The following state and federal programs are available to individuals and families in Texas interested in purchasing a home. Information is listed by activity. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page 3. To help identify TDHCA programs, a  will be provided by each TDHCA program description.

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Above: TDHCA’s homebuyer programs build a strong foundation for families and communities

HOUSING COUNSELING Housing Counseling works to ensure that potential homeowners understand the responsibilities of homeownership. Many down payment assistance providers require a Homebuyer Education course, conducted by housing counselors.

Housing Counseling

The U.S. Department of Housing and Urban Development (HUD) sponsors local housing counseling agencies; national, regional or multi-state intermediaries; and State Housing Finance Agencies that provide counseling services. HUD-approved local housing counseling agencies or state Housing Finance Agencies and their affiliates provide advice to tenants and homeowners with respect to property maintenance, financial management and other matters that relate to improving housing conditions and meeting the responsibilities of tenancy and homeownership. Persons interested in becoming a Housing Counselor should contact the Federal Housing Administration Mortgage Hotline at 1-800-CALLFHA.

Contact: For more information on these programs, please call the HUD-Approved Housing Counseling hotline at 1-800-569-4287 or search online at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Texas Statewide Homebuyer Education Program

Texas State Affordable Housing Corporation’s (TSAHC) Texas Statewide Homebuyer Education Program (TSHEP) offers Homebuyer Provider Certification Training to nonprofit organizations including Texas Agriculture Extension Agents, units of local government, faith-based organizations, Community Housing Development Organizations (CHDO), community development corporations, community-based organizations and other organizations with a proven interest in community building. To ensure uniform quality of the homebuyer education provided throughout the State, TSAHC contracts with training professionals to teach local nonprofit organizations the principles and applications of comprehensive pre- and post-purchase homebuyer education. The training professionals and TSAHC also certify the participants as homebuyer education providers.

Contact: Eligible households can access the Texas Statewide Homebuyer Education Program benefits described above by contacting a housing counselor trained by the program. Housing counselors can be found by calling 1-800- 569-4287 or by going online at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Homebuyer Assistance

HOMEBUYER ASSISTANCE Homeownership may help a low-income household to build equity, raise the household out of the low-income financial category and promote self-sufficiency. However, for many potential homebuyers, the down payment may be the only barrier to homeownership. There are many organizations that offer qualifying households down payment assistance for their first home.

Affordable Housing Program

The Federal Home Loan Bank offers this program, which provides gap financing to member institutions to develop affordable owner-occupied and rental housing for low- to moderate-income households. Funding can be used to pay the closing costs or down payments, buy down principal amounts or interest rates, refinance an existing loan or assist with rehabilitation or construction costs.

Contact: For more information, please contact the Federal Home Loan Bank of Dallas at 1-800-362-2944 or http://www.fhlb.com.

Affordable Seconds Program

Freddie Mac’s Affordable Seconds program is designed to help meet the needs of borrowers who require flexible secondary financing options. Affordable Seconds assists underserved, minority and low- and moderate-income borrowers purchase homes by supplementing their down payment, closing and financing costs, prepaids, and rehabilitation costs.

Contact: Freddie Mac Southwest Region 5000 Plano Parkway Carrollton, TX 75010 (972) 395-4000 http://www.freddiemac.com

Community Development Block Grant Program

HUD’s Community Development Block Grant (CDBG) program works to ensure decent affordable housing, provide services to the most vulnerable individuals, create jobs and expand business opportunities. Entitlement cities and counties and the State of Texas are awarded funds for a wide range of community development activities. Areas receiving CDBG funds may use these funds to administer a local homebuyer assistance program.

Contact: For more information about CDBG grantees in Texas, contact a HUD field office (see Appendix A).

Direct Home Loan Program for Native American Veterans

The Veterans Affairs’ (VA) Direct Home Loan Program provides direct loans to eligible Native American veterans who wish to purchase, build or improve a home on trust lands. These loans may be used to simultaneously purchase and improve a home or to refinance another VA direct loan made under this program to lower the interest rate.

Contact: For a referral to a local housing counseling agency, please contact the VA at 1-888-232-2571 or http://www.homeloans.va.gov/.

Homebuyer Assistance

 First Time Homebuyer Program

TDHCA’s First Time Homebuyer Program, administered by the Texas Homeownership Division offers 30-year fixed-rate mortgage financing at below-market rates. The program targets very-low income to higher-income residents purchasing their first home, or residents who have not owned a home for the last three years.

TDHCA currently offers Assisted Mortgage Loans and Unassisted Mortgage Loans. The Assisted Mortgage Loans have a slightly higher interest rate than the Unassisted Loans and include down-payment and closing-cost assistance in the form of a grant or second lien loan. The availability and amount of assistance varies by bond issuance. Assisted Mortgage Loans are available exclusively to low-income homebuyers. Unassisted Mortgage Loans may be available to higher-income households, have a slightly lower interest rate than the Assisted Loans and do not offer down-payment or closing-cost assistance.

Contact: Eligible households can access the First Time Homebuyer assistance by contacting a participating lender. Participating lenders can be found online at www.myfirsttexashome.com or by calling TDHCA’s Texas Homeownership Division at 1-800-792-1119.

Good Neighbor Next Door

HUD offers the Good Neighbor Next Door program. Law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians can contribute to community revitalization while becoming homeowners through HUD’s Good Neighbor Next Door Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return the buyer must commit to live in the property for 36 months as his or her sole residence.

Contact: For more information, call the HUD Homeownership Center at 1-800-543-9378.

Homebuyer Equity Leverage Partnership (HELP)

The Federal Home Loan Bank offers the Homebuyer Equity Leverage Partnership (HELP), which funds member financial institutions to provide down payment assistance to qualified low- to moderate-income households. Banks receiving funds through this program match savings accumulated by first-time homebuyers for down payments, closing costs or both. Funds cannot exceed $7,000 per homebuyer. Participating homebuyers are required to attend a homebuyer education course.

Contact: For more information, please contact the Federal Home Loan Bank of Dallas at 1-800-362-2944 or http://www.fhlb.com.

HOME Investment Partnerships Program

In Texas, HUD awards HOME Program funds to TDHCA and local governments. Local governments that receive HOME funding (usually metropolitan areas) have great flexibility in designing their local HOME programs. At the local level, funds may be used by Participating Jurisdictions (PJs) for home purchase, rental or home repair purposes. Most local governments that receive HOME funds administer homebuyer assistance programs in their respective areas. The HOME funds distributed by TDHCA are discussed throughout this document.

Contact: See Appendix B for a list of PJs in Texas. Please contact these entities directly for information about their programs.

Homebuyer Assistance

“Homes for Texas Heroes” Home Loan Program

TSAHC offers the Homes for Heroes program. An eligible participant must be a first-time homebuyer and a full- time, paid firefighter, law enforcement personnel or certain public employees in hazardous-duty pay positions, as well as meeting other general program qualifications.

Contact: For administrators, contact TSAHC at 1-888-638-3555 or http://www.tsahc.org.

“Home Sweet Texas” Loan Program

TSAHC offers the Home Sweet Texas Loan program. To be eligible for this program, a potential buyer must have income at the low-income category or below well as meeting other general program qualifications.

Contact: For administrators, contact TSAHC at 1-888-638-3555 or http://www.tsahc.org. Housing Choice (Section 8) Homeownership Vouchers

HUD offers the Housing Choice Homeownership Vouchers program to assist first-time homeowners with their monthly homeownership expenses, including mortgage principal and interest, insurance costs, taxes and utilities. HUD administers the Housing Choice (Section 8) Homeownership Voucher Program through local Public Housing Authorities (PHAs) and other participating entities. Local PHAs may elect to offer this program, but are not required to do so.

Contact: Appendix C provides contact information for all PHAs in Texas. Please contact them directly for information on this program.

 HOME Homebuyer Assistance Program

TDHCA’s Homebuyer Assistance Program through the HOME program provides up to $20,000 to qualified homebuyers for down payment and closing cost assistance toward the acquisition of affordable single-family housing. This program may also be used to modify homes purchased with HOME assistance, to meet accessibility needs and construction costs associated with the rehabilitation. In addition, Community Housing Development Organizations (CHDOs) can work with HOME to construct single-family housing and offer down payment assistance to low-income Texans.

Contact: Eligible households can access the Homebuyer Assistance Program described above by contacting a local HOME Sub-recipient, including CHDOs. HOME Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm and selecting the search option “Buying a Home” or by calling the Housing Resource Center at 1-800-525-0657.

 Housing Trust Fund Homebuyer Assistance Program

TDHCA’s Housing Trust Fund’s Homebuyer Assistance Program offers down payment and closing cost assistance for Texans with up to a moderate income. However, down payment assistance may not be funded each year.

Contact: Eligible households can access the Housing Trust Fund Homebuyer Assistance Program by contacting a local Housing Trust Fund Sub-recipient. Housing Trust Fund Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm and selecting the search option “Buying a Home” or by calling the Housing Resource Center at 1-800-525-0657.

Homebuyer Assistance

Professional Educators Home Loan Program

TSAHC offers the Professional Educators Home Loan Program. An eligible participant must be a full-time Classroom Teacher, Teacher Aide, School Librarian, School Nurse or School Counselor employed by a public school district in the state of Texas (certified under Subchapter B, Chapter 21 of the Texas Education Code), as well as meeting other general program qualifications.

Contact: For administrators, contact TSAHC at 1-888-638-3555 or http://www.tsahc.org.

Local Housing Finance Corporations

Many Housing Finance Corporations offer homebuyer assistance programs that include down payment and closing cost assistance. Most Housing Finance Corporations administer these programs through local participating mortgage lenders.

Contact: See Appendix D for contact information on Housing Finance Corporations in your area.

 Neighborhood Stabilization Program, Round 1 & 3

TDHCA’s Neighborhood Stabilization Program offers eligible low-income homebuyers 100% financing through the Department at 0% interest for 30 years. Moderate-income homebuyers may qualify for up to $30,000 in homebuyer assistance. TDHCA funds local organizations that provide this assistance to qualified individuals and the program may not be available in all areas.

Contact: Eligible households can access the Neighborhood Stabilization Program services described above by contacting a local Neighborhood Stabilization Program Sub-recipient. A list of Neighborhood Stabilization Program Sub-recipients can be found online at http://www.tdhca.state.tx.us/nsp/ or by calling the Neighborhood Stabilization Program at (512) 475-3726.

Section 184: Indian Home Loan Guarantee Program

HUD’s Section 184 is designed to offer homeownership, property rehabilitation and new construction opportunities for eligible tribes, Indian Housing Authorities and Native American individuals and families wanting to own a home on trust land or land located in an approved Indian or Alaska Native area.

Contact: For more information on this program, contact the HUD Office of Native American Programs at 1-800- 561-5913.

Section 502 Loan Guarantee Program

The U.S. Department of Agriculture (USDA) offers Section 502 which helps moderate-income individuals or households purchase a home in a rural area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. These funds can be used to build, repair, renovate or relocate a home or to purchase and prepare sites. Loans are for 30-year terms and are made by approved lenders and backed by USDA. There is no required down payment and manufactured housing is eligible if it is permanently installed.

Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E) or go to http://www.rurdev.usda.gov/tx/.

Homebuyer Assistance

Fannie Mae Mortgages Fannie Mae offers a variety of mortgage products to assist homebuyers. Mortgage products are tailored to various homebuyer needs, including conventional mortgages, no or low down payment mortgages, low monthly payment mortgage products, mortgages for people with credit problems, mortgages that help build equity or tap home equity, home construction and renovation mortgage products, second mortgages, mortgages for special populations and reverse mortgages for seniors. Contact: For more information, please contact the Fannie Mae at (972) 773-4663 or http://www.homepath.com/.

Freddie Mac Freddie Mac offers conventional mortgage products, affordable lending products that have low down payments, mortgages for people with credit problems and community development lending products that expand affordable homeownership opportunities for minority families and low to moderate income families. Contact: For more information, please contact the Freddie Mac at 972-395-4000 or http://www.freddiemac.com

Veterans Housing Assistance Program General Land Office’s (GLO) Veterans Housing Assistance Program provides low-interest loan financing of up to $325,000 toward the purchase of a home to qualified Texas veterans through participating lenders. Loans of $45,000 or less may be originated though the Texas Veterans Land Board’s direct loan program. The Veterans Housing Assistance Program can be used to purchase single-family attached and detached homes, town-homes, condominium units, eligible manufactured or modular homes and two- to four-family units that were constructed at least five years before the closing date of the loan. Interest rate deductions apply for eligible veterans through the Veterans with Disabilities Program and the Service Era Discount Program.

Contact: For more information, please contact the Texas Veteran Land Board at 1-800-252-8387 or http://www.glo.state.tx.us/vlb/.

VA-Guaranteed Loan Program

The VA’s Guaranteed Loan Program assists veterans, qualifying service personnel and qualifying un-remarried surviving spouses of veterans in obtaining credit for the purchase, construction, improvement or refinance of homes. VA loans have lenient qualifying criteria and do not require a down payment unless the home or condominium purchase price exceeds the reasonable value of the property or the loan has graduated payment features. The buyer can negotiable the interest rate.

Contact: For a referral to a local housing counseling agency, please contact the VA at 1-888-232-2571 or http://www.homeloans.va.gov/.

VA-Guaranteed Manufactured Home Loans

The VA offers this program to assist veterans and other qualified individuals to obtain credit for the purchase of a manufactured home on more lenient terms than those available to non-veterans. The VA will guarantee up to 40% of the loan or up to $20,000. Manufactured Home Loans may be used to purchase a manufactured home and lot, purchase land on which to place an already-owned manufactured home, refinance a manufactured home to purchase the lot or refinance an existing VA manufactured home to reduce the interest rate. Loans may be made for up to 95% of the purchase price of the property.

Contact: For a referral to a local housing counseling agency, please contact the VA at 1-888-232-2571 or http://www.homeloans.va.gov/.

Homebuyer Assistance

MORTGAGES WITH ADDED FEATURES

To encourage investment in the community, some homebuyer assistance programs offer special features other than only down payment assistance.

 Contract for Deed Conversion Initiative

TDHCA’s Contract for Deed Conversion Initiative Program facilitates colonia-resident property ownership by converting contracts for deeds into traditional mortgages. TDHCA provides contract for deed conversions for very low-income colonia families. TDHCA will strive to convert these contracts for deed into traditional notes and deeds of trust. The recipients must reside in a colonia and the property must be their principal residence. Pre- and post- conversion counseling is available. Funding for housing construction and rehabilitation is also available.

Contact: Eligible households can access the Contract for Deed Initiative described above by contacting a local HOME Sub-recipient. HOME Sub-recipients can be found by calling the HOME Division at (512) 463-8921.

Energy Efficient Mortgages Program

HUD’s Energy Efficient Mortgages Program helps homebuyers or homeowners finance the costs of adding energy- efficient features to new or existing homes as part of their FHA-insured home purchase or refinancing mortgage. Adding such features will save money on utility bills.

Contact: For more information on these programs and a list of lenders in your area, please call the Federal Housing Administration Mortgage Hotline at 1-800-CALLFHA.

Section 502 Direct Loan Program

USDA’s Section 502 Program assists low-income families in rural areas with loans made directly by USDA to construct, rehabilitate or relocate homes or to acquire sites for homes, including the installation of water and sewage facilities. These loans may also be used to refinance debts to prevent the loss of a house or to repair the house. This program offers low-interest loans for 30- to 38-year terms. The interest rate and subsidy amount are calculated so that the applicant either pays no more than 24% of his or her monthly income or pays principal and interest calculated at 1% on the Rural Development Loan plus Taxes and Insurance. There is no required down payment for this program and manufactured housing is eligible if it is permanently installed.

Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E) or go to http://www.rurdev.usda.gov/tx/.

OWNER-BUILDER PROGRAMS

Some potential homebuyers are willing to contribute labor to build their own homes.

 Colonia Self-Help Centers

TDHCA’s Colonia Self-Help Center Program provides outreach, education and technical assistance to colonia residents. Colonia Self-Help Centers provide financial technical assistance in credit and debt counseling, housing finance, contract for deed conversions, capital access for mortgages, as well as grant writing. Hands-on technical assistance is also available for housing rehabilitation, new construction, surveying and platting, construction skills training, tool library access for self-help construction, as well as infrastructure construction and access. Education

Homebuyer Assistance

services are available through the Colonia Self-Help Centers. Centers have been established in Cameron/Willacy, El Paso, Hidalgo, Maverick, Starr, Val Verde and Webb counties.

Contact: Eligible households can access the Colonia Self-Help Centers described above by contacting a local provider. For a list of local providers, call the Office of Colonia Initiatives at 1-800-462-4251.

Habitat for Humanity

Habitat for Humanity builds and rehabilitates homes through volunteer labor and donations of money and materials. In addition to down payment and monthly mortgage payments, homeowners invest labor or “sweat equity” into building their Habitat House and houses of others. Homebuyers apply to local Habitat affiliates and are selected based on level of need, willingness to participate and ability to repay the loan. There are 87 Habitat affiliates in the State of Texas.

Contact: For more information, please contact Habitat for Humanity at (512) 472-8788 x 410 or www.habitattexas.org.

Section 502 Mutual Self-Help Housing Loan Program

USDA’s Section 502 Program helps very low- to low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Individuals participating in the project must contribute 65% of the labor to the construction of the home, thereby reducing labor costs and producing a more affordable home. Loans are made for up to 33 to 38 years and monthly payments fall between 22 and 26% of the family’s income.

Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E) or go to http://www.rurdev.usda.gov/tx/.

Self-Help Homeownership Opportunity Program (SHOP)

HUD’s SHOP provides for Homebuyers who are willing to contribute significant amounts of their own time and labor toward the construction of the housing units to participate in this program. The Self-Help Homeownership Opportunity Program is awarded to nonprofits to provide funds to purchase home sites and develop or improve the infrastructure needed to offer sweat-equity and volunteer-based homeownership programs for low-income individuals and families. Organizations receiving funds must have completed at least 30 units of self-help housing within the last 24 months. SHOP funds may be used for only land acquisition, infrastructure improvements and administrative costs.

Contact: For more information on this program, contact the Office of Affordable Housing Programs at HUD’s Office of Community Planning and Development at (202) 708-2684.

Self-Help Housing Technical Assistance Grant

The USDA provides grants to eligible nonprofit organizations to administer technical assistance to very low- and low-income households that would like to build a home in a rural area.

Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E) or go to http://www.rurdev.usda.gov/tx/.

Homebuyer Assistance

 Texas Bootstrap Loan Program

TDHCA’s Bootstrap Program is a self-help construction program which is designed to provide very low-income families an opportunity to help themselves in the form of sweat equity. All program participants are required to provide at least 65% of the labor that is necessary to construct or rehabilitate the home. All applicable building codes must be adhered to under this program.

Contact: Eligible households can access the Texas Bootstrap Loan Program described above by contacting a local service provider, such as a Colonia Self Help Center. For a list of local service providers, call the Office of Colonia Initiatives at 1-800-462-4251.

MORTGAGE CREDIT CERTIFICATES (MCCS) Mortgage Credit Certificates are not mortgages; they are a tax credit that enables a qualified homebuyer to take a portion of the annual interest paid on the mortgage as a tax credit, up to $2,000 each year that they occupy the home as their principal residence.

 TDHCA Mortgage Credit Certificate Program

TDHCA offers Mortgage Credit Certificates (MCC), which provide a tax credit to reduce federal income taxes, dollar-for-dollar, of qualified buyers purchasing a home that meets the program’s requirements. The MCC effectively reduces the monthly mortgage payment and increases the buyer’s disposable income by reducing his or her federal income tax obligation. This tax savings provides a family with more available income to qualify for a loan and meet mortgage payment requirements.

Contact: Eligible households can access the Mortgage Credit Certificate Program described above by contacting a participating lender. Participating lenders can be found online at www.myfirsttexashome.com or by calling the Texas Homeownership Division at 1-800-792-1119.

TSAHC MCCs

The amount of the tax credit for this Mortgage Credit Certificate is equal to the mortgage credit rate of 35% multiplied by the annual interest paid. Any remaining credit amount may be carried forward for next three years. The homebuyer will be able to deduct interest paid when they file their taxes that year.

One of TSAHC’s participating lenders will set the terms of the mortgage which includes the interest rate, down payment, underwriting criteria, discount points and closing costs.

Contact: For administrators, contact TSAHC at 1-888-638-3555 or http://www.tsahc.org.

Local Housing Finance Corporations MCCs

Many Housing Finance Corporations offer homebuyer assistance programs that include Mortgage Credit Certificates. These provide a 10 to 20% tax refund on annual mortgage interest paid by homeowners. Most Housing Finance Corporations administer these programs through local participating mortgage lenders.

Contact: See Appendix D for contact information on Housing Finance Corporations in your area.

Homebuyer Assistance

Mortgage Insurance Lenders will often require mortgage insurance for mortgage loans which exceed 80% of the property's sale price. HUD offers a majority of the mortgage insurance programs.

HUD’s Mortgage Insurance Programs Section 203(b): Mortgage Insurance for One- to Four-Family Homes

HUD’s Section 203(b) Program is limited to owner-occupants. This mortgage may fund one- to four- family homes, but has limits on the amount of the mortgage loan. These mortgages generally have low down payments, limited fees and the option of financing closing costs.

Section 203(k): Rehab Mortgage Insurance/Streamline Limited Repair Program

HUD’s Section 203(k) Program enables homebuyers to finance or refinance a home and any rehabilitation costs associated with the home in a single mortgage. Streamline Mortgage Insurance is for less extensive repairs: the cost of rehabilitation must not be less than $5,000, must not be more than $35,000 and may cover the complete reconstruction of a home.

Section 203(h): Mortgage Insurance for Disaster Victims

HUD’s Section 203(h) Program allows the FHA to insure mortgages for disaster victims who lost their homes. Victims must be located in a designated disaster area and must be in the process of rebuilding or buying a home. With this program, no down payment is required, fees are limited and closing costs may be financed into the loan.

Section 223(e): Declining Urban Areas

In conjunction with other HUD mortgage programs, this program provides mortgage insurance to enable people to purchase or rehabilitate housing in older, declining urban areas.

Section 203(n): Single-Family Cooperative Mortgage Insurance

HUD’s Section 203(n) Program insures loans for persons buying a unit in a cooperative housing project.

Section 255: Home Equity Conversion Mortgage Program

HUD’s Home Equity Conversion Mortgage can be used by senior homeowners age 62 and older to convert the equity in their home into monthly streams of income and/or a line of credit to be repaid when they no longer occupy the home.

Title I: Manufactured Home Loan Insurance

HUD’s Title 1 Program insures mortgage loans made by private lending institutions finance the purchase of a new or used manufactured home.

Contact: For more information on these programs and a list of lenders in your area, please call the Federal Housing Administration Mortgage Hotline at 1-800-CALLFHA.

Homebuyer Assistance

GOVERNMENT-OWNED HOMES FOR SALE

Government programs may acquire properties during the administration of their programs. In these cases, many government agencies will sell the properties to potential homebuyers.

Home Path Mortgages

Homebuyers can search for Fannie Mae’s foreclosed properties at HomePath.com. Many of these homes come with HomePath financing, which is available only on Fannie Mae homes and may include low down payment and flexible mortgage terms, no mortgage insurance, and no appraisal fees.

Contact: For more information, please contact the Fannie Mae at (972) 773-4663 or http://www.homepath.com/.

Veterans-Affairs-Owned Homes for Sale

The VA acquires properties as a result of foreclosures on VA-guaranteed and VA-financed loans. Potential buyers do not have to be veterans in order to purchase VA-Owned Homes. The interest rate is established by VA based on market conditions. Any prospective purchaser who requests VA financing to purchase a VA-owned property must have sufficient income to meet the loan payments, maintain the property and pay all taxes, insurance, utilities and other obligations, as well as be an acceptable credit risk. The purchaser must also have enough funds remaining for family support.

Contact: VA acquired properties are listed for sale at http://va.equator.com and through local Multi Listing Systems (MLS) by local listing agents. If a homebuyer is interested in buying a VA-acquired property, the homebuyer can contact a local real estate broker to see the property.

SINGLE-FAMILY LAND PURCHASE

Some potential homebuyers may be eligible to purchase land on which to build a home.

Land Program

Through this program, the Texas Veterans Land Board will finance 95% of the agreed purchase price or 95% of the appraised land value for veterans who have not owned land within three years. The land must be completely contained within Texas, contain at least one acre, have legal, useable access to a public road and be surveyed by a professional land surveyor. A 5% minimum down payment is required.

Contact: For more information, please contact the Texas Veteran Land Board at 1-800-252-8387 or http://www.glo.state.tx.us/vlb/

Home Repair and Rehabilitation

The following state and federal programs assist homeowners with repair and weatherization activities. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page 4. To help identify TDHCA programs, a  will be provided by each TDHCA program description. Above: Linda Silverstein has better access to her kitchen Above: Linda Silverstein has better access to her kitchen thanks to TDHCA’s Amy Young Why are you using this Program Guide? Please let us know at: Barrier Removal Program http://www.surveymonkey.com/s/ProgramGuide2013

HOME REPAIR AND REHABILITATION LOANS AND GRANTS

Homeowners may qualify for assistance with home repairs or rehabilitation of their homes, either in the forms of low-interest loans or grants.

Community Development Block Grant Program

U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant Program (CDBG) was created to ensure decent and affordable housing, provide services to the most vulnerable individuals and create jobs and expand business opportunities. Entitlement cities and counties are awarded funds for a wide range of community development activities directed toward revitalizing neighborhoods, economic development and providing improved community facilities and services. The State of Texas also receives an allocation of CDBG funds to distribute among nonentitlement areas. Funding must benefit low- and moderate-income households, aid in the prevention or elimination of slums or blight or address other community development needs that present a serious and immediate threat to the health or welfare of the community. Activities may include the acquisition of real property, construction of public facilities and improvements, provision of public services, economic development activities, homeownership assistance and the rehabilitation of residential and nonresidential structures.

Contact: For more information about CDBG grantees in Texas, contact a HUD field office (see Appendix A).

Guaranteed Loan Program

The Veterans Affairs’ (VA) Guaranteed Loan Program assists veterans, certain service personnel and certain un- remarried surviving spouses of veterans in obtaining credit for the improvement, purchase, construction or refinance of homes. VA loans typically have more lenient qualifying criteria and the loan may be used to repair, alter or improve a home; improve a home through the installation of a solar heating and/or cooling system or other energy-efficient improvements; or simultaneously purchase and improve a home.

Contact: Contact the VA Regional Loan Center for Texas for more information.

VA Regional Loan Center 6900 Almeda Road Houston, TX 77030 1-888-232-2571 http://www.va.gov

Home Repair and Rehabilitation

 HOME Homeowner Rehabilitation Program Texas Department of Housing and Community Affairs’ (TDHCA) HOME Homeowner Rehabilitation Assistance offers rehabilitation or reconstruction cost assistance in the form of grants to homeowners for the repair or reconstruction of their existing homes. The homes must be the principal residence of the homeowner.

Contact: Eligible households can access the Homeowner Rehabilitation Program described above by contacting a local HOME Sub-recipient. HOME Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm or by calling the Housing Resource Center at 1-800-525-0657.

Individual Water and Waste Grants This U.S. Department of Agriculture (USDA) program provides grants to owner-occupants residing in an area recognized as a colonia before October 1, 1989. Grant funds may be used to connect service lines to a residence, pay utility hook-up fees and install plumbing and related fixtures (e.g., bathroom sink, bathtub or shower, kitchen sink or water heater). Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E). USDA maintains a website at http://www.rurdev.usda.gov for national information. For information specific to Texas, go to http://www.rurdev.usda.gov/tx

Section 504 Housing Repair and Rehabilitation Loans and Grants

USDA’s Housing Repair and Rehabilitation Loans are available to very low-income homeowners to improve or modernize a home or remove health and safety hazards. Loans are limited to $20,000 and are repayable over 20 years at 1% interest. The owner-occupant must have very low income and be unable to obtain affordable credit elsewhere.

Grants are available to homeowners 62 years of age or older who cannot repay a Section 504 loan. Grants are limited to $7,500 and may be used only to pay for repairs and improvements resulting in the removal of health and safety hazards. A grant/loan combination up to $27,500 may be made if the homeowner can repay part of the cost.

Contact: For more information on any USDA program, please contact your local USDA office (see Appendix E). USDA maintains a website at http://www.rurdev.usda.gov for national information. For information specific to Texas, go to http://www.rurdev.usda.gov/tx.

Section 533 Housing Preservation Grant Program

USDA’s Housing Preservation Grant Program (HPG) provides competitive grants to sponsoring organizations for the repair or rehabilitation of low- and very low-income housing. HPG assistance is available from grantees to help very low- and low-income homeowners repair and rehabilitate their homes or assist rental property owners repair and rehabilitate units. Financial assistance may be in the form of a grant, loan, interest rate reduction on commercial loans or other comparable assistance.

USDA Rural Development does not administer this assistance directly. Local organizations receive funding through this program to offer repair services and this assistance may not be available in all areas.

Home Repair and Rehabilitation

Texas Community Development Program

Texas Department of Agriculture’s (TDA) Texas Community Development Program (TCDP) was created to develop viable communities by providing decent housing and suitable living environments and expanding economic opportunities for low- and moderate-income people living in rural areas. TCDP is funded through HUD’s CDBG Program.

TCDP has various funding components including the Community Development Fund, Texas Capital Fund, Colonia funds, Planning/Capacity Building Fund, Disaster Relief/Urgent Need Fund, TCDP STEP Fund and Housing Fund. Under the Housing Fund, Housing Rehabilitation Fund grants are available annually through a statewide competitive process to cities and counties to provide loan or deferred-loan assistance for the rehabilitation of existing owner-occupied and renter-occupied housing units and, in strictly limited circumstances, the construction of new housing that is accessible to persons with disabilities.

TDA does not directly provide housing repair assistance to households. Contact TDA for more information on funded cities and counties that provide housing rehabilitation assistance.

Contact: TDA PO Box 12877 Austin, TX 78711 (512) 936-6701 1-800-544-2042 http://www.tdra.state.tx.us/

Title I Property Improvement Loan

HUD’s Title I Program insures loans through participating lenders to finance the moderate rehabilitation of properties and the construction of nonresidential buildings on the property. Loans may be used to finance permanent property improvements that protect or improve the basic livability or utility of the property and include manufactured homes, single-family and multifamily homes, nonresidential structures and the preservation of historic homes. Under this program, the maximum loan amount for single-family properties is $25,000 over a 20-year term.

Contact: Contact an approved lender online at http://www.hud.gov/ll/code/llslcrit.cfm

Veterans Home Improvement Program

General Land Office’s (GLO) Veterans Home Improvement Program will lend eligible Texas veterans up to $25,000 for home improvements to a veteran’s primary residence. The loan can be used to make alterations, repairs and improvements to a home if the repairs will substantially protect or improve the basic livability or energy efficiency of the property; correct damage resulting from a natural disaster; or correct conditions that are hazardous to health or safety. Eligible improvements include carpeting, fencing, room additions, patios, driveways and garages.

Contact: Texas Veterans Land Board PO Box 12873 Austin, TX 78711-2873 (512) 463-5060 1-800-252-8387 http://www.glo.state.tx.us

Home Repair and Rehabilitation

LEAD-BASED PAINT REHABILITATION

When repairing or rehabilitating homes older than 1979, the homes may have toxic lead-based paint that is hazardous to residents and workers. Special measures must be taken when dealing with lead-based paint. Funds for taking these safety measures may be available to qualified homeowners.

Grant Programs at the Office of Healthy Homes and Lead Hazard Control

HUD’s Office of Healthy Homes and Lead Hazard control offers seven grant programs to protect children and their families from housing-related health and safety hazards. Of these seven, three provide funds to organizations to provide lead-based paint mitigation to homeowners.

The Lead-based Paint Hazard Control Program The Lead-Based Paint Hazard Control Program provides grants to state and local governments and Native American Tribes for the control of lead-based paint hazards in eligible privately-owned rental or owner-occupied housing. Homes selected for assistance under the grant program must have been constructed before 1978 and have lead-based paint hazards. Assistance may include hazard inspections, lead hazard control work (e.g. cleaning, control and abatement) and the temporary relocation of families during hazard control activities. The Lead Hazard Reduction Program The Lead Hazard Reduction Program assists States, Native American Tribes and local governments identify and control lead-based paint hazards in eligible privately-owned housing. Operation Lead Elimination Action Program Operation Lead Elimination Action Program provides funds to private sector, nonprofit and for- profit organizations for the creation of programs to identify and control lead-based paint hazards in eligible privately owned housing. This program encourages leveraging of private sector funds for these activities. HUD funds local governments that provide lead-based paint hazard-control assistance to local residents and this program may not be available in all areas. Contact: For more information and for a list of entities administering lead hazard control programs, please contact the HUD Office of Healthy Homes and Lead Hazard Control at (202) 755-1785.

MODIFICATIONS FOR PERSONS WITH SPECIAL NEEDS

Renters and homeowners with special needs, such as persons in wheelchairs, may require modifications to their homes to make it possible to live in the residence. Funds for these modifications may be available to eligible households.

Accessibility Modifications

Department of Aging and Disability Services’ (DADS) funds are available for housing modifications to improve accessibility such as building ramps to the front door, installing grab bars in the bathroom and widening doors. A number of programs offered through DADS offer assistance for housing modifications including programs run through local Area Agencies on Aging (AAAs), Community Attendant Services, Community Based Alternatives, Community Living Assistance and Support Services, Consolidated Waiver Program, Deaf-Blind Multiple Disabilities, Family Care, Home and Community-based Services, In-Home and Family Support Program, In-Home

Home Repair and Rehabilitation

and Family Support Services, Medically Dependent Children Program, Primary Home Care and Texas Home Living.

Contact: Contact your local AAA (see Appendix G) or DADS for more information. DADS P.O. Box 149030 Austin, Texas 78714 1-800-252-9240 http://www.dads.state.tx.us

 Housing Trust Fund Amy Young Barrier Removal

TDHCA’s Amy Young Barrier Removal and Rehabilitation Program provides financial assistance in the form of grants to low-income persons with disabilities to make their homes more accessible. The person with disabilities would not have to own the residence to access the program; rental units are eligible for modification. The program is designed to provide one-time grants for up to $15,000 in home modifications specifically needed for accessibility, and up to an additional $5,000 in other rehabilitation costs correlated with the barrier removal project. Funds allow for reasonable accommodation or modification for rental tenants, homeowners or a member of their household with disabilities needing assistance to fully access their home.

Contact: Eligible households can access the Housing Trust Fund Amy Young Barrier Removal Program described above by contacting a local Housing Trust Fund Sub-recipient. Housing Trust Fund Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm by selecting “Home Repair” or by calling the Housing Resource Center at 1-800-525-0657.

Home Improvement and Structural Alterations Program

The VA’s Home Improvement and Structural Alterations Program provides funding up to $6,800 for disabled veterans to make home improvements necessary to continue treatment or access home or bathroom facilities. Veterans may be eligible for this program if the improvements are considered to be medically necessary for the treatment of a service-connected disability. For more information on this program, contact the VA Health Administration Center at (303) 331-7590.

Contact: Contact the VA Regional Loan Center for Texas for more information.

VA Regional Loan Center 6900 Almeda Road Houston, TX 77030 1-888-232-2571 http://www.va.gov

Residential Repair

DAD’s funds local AAAs which may provide grants for home repair activities to seniors age 60 and older. Services may include limited housing counseling and moving expenses in cases where modifications will not attain reasonable standards of health and safety. Funding for this program is limited and is not available in all areas. All AAAs offer referral services and assistance in locating programs and services. If the local AAA does not administer or coordinate a home repair program, the AAA may be able to give referrals to other local programs.

Contact: Contact your local AAA (see Appendix G) or DADS for more information.

Home Repair and Rehabilitation

DADS P.O. Box 149030 Austin, Texas 78714 1-800-252-9240 http://www.dads.state.tx.us

Special Housing Adaptations Grant

The VA’s Special Housing Adaptations Grant purpose is to assist veterans with a service-connected disability in acquiring suitable housing with special fixtures and facilities made necessary by the nature of the specific disability. The grant provides up to $12,756 for housing modifications to assist veteran homeowners who are blind in both eyes or have lost both hands or extremities below the elbow.

Contact: Contact the VA Regional Loan Center for Texas for more information.

VA Regional Loan Center 6900 Almeda Road Houston, TX 77030 (713) 383-1770 1-888-232-2571 http://www.va.gov

Special Needs Assistance Program (SNAP)

Federal Home Loan Bank’s Special Needs Assistance Program (SNAP) provides grant funds not to exceed $5,000 to member organizations for rehabilitation of eligible special needs, low-income homeowners. For this program, special needs include persons who are mentally or physically disabled, recovering from physical or substance abuse or have HIV/AIDS.

Contact: Federal Home Loan Bank of Dallas PO Box 619026 Dallas, TX 75261-9026 (214) 441-8500 1-800-362-2944 http://www.fhlb.com

Temporary Residence Adaptation Grant

The VA’s Temporary Residence Adaptation Grant is available to veterans with a serious injury received during service, that are temporarily living in a home owned by family member. Grants up to $14,000 are available to modify the housing for wheelchair accessibility and grants up to $2,000 are available to modify the housing for veterans who are blind in both eyes or lost both hands or extremities below the elbow.

Contact: Contact the VA Regional Loan Center for Texas for more information. VA Regional Loan Center 6900 Almeda Road Houston, TX 77030 (713) 383-1770 1-888-232-2571 http://www.va.gov

Home Repair and Rehabilitation

REHABILITATION WITH MORTGAGE OR REFINANCE Homeowners in need of home repairs may qualify for mortgage insurance or refinance options to fund the repairs.

Section 203(k): Rehabilitation Mortgage Insurance HUD’s Section 203 (k) Program funds rehabilitation activities of at least $5,000 for a single-family home when combined with purchase or refinance activities. For existing homeowners who need repairs, Section 203(k) insures mortgages covering the refinance and rehabilitation of a home that is at least one year old. A portion of the loan proceeds is used to pay off the existing mortgage and the remaining funds are placed in an account and released as rehabilitation is completed. Contact: This program is offered through participating lenders. For more information and a list of lenders, call HUD’s Homeownership Center at 1-800-225-5342 or contact a HUD field office (see Appendix A).

Section 184: Indian Home Loan Guarantee Program HUD’s Section 184 Program is designed to offer property rehabilitation, home purchase and new construction opportunities for eligible tribes, Indian housing authorities and Native American individuals and families wanting to own a home or improve a home on native lands.

Contact: For more information on this program, call 1-800-561-5913.

HomePath Renovation Mortgage

Fannie Mae’s product combines home purchase or refinance with home improvement financing and is for borrowers who are purchasing a home that needs renovation or who are renovating their current home (including second homes and investment properties). For current homeowners, this program can be used to refinance an existing mortgage into a HomeStyle Mortgage and can include any additional repairs.

Contact: For more information on single family lending products, call Fannie Mae’s Consumer Resource Center at 1-800-732-6643 or contact the regional office for Texas.

Fannie Mae Southwestern Regional Office International Plaza II 14221 Dallas Parkway, Suite 11201 Dallas, TX 75254-2916 972-773-4663 http://www.fanniemae.com

Renovation Mortgage

Freddie Mac’s Renovation Mortgages can be used by borrowers to finance the purchase of an existing site-built home or to repair, restore, rehabilitate or renovate a site-built home.

Contact: For information on programs, call 1-800-373-3343 or contact the regional office for Texas.

Freddie Mac Southwest Region 5000 Plano Parkway Carrollton, TX 75010 (972) 395-4000 http://www.freddiemac.com

Home Repair and Rehabilitation

WEATHERIZATION Renters and homeowners alike could benefit from the installation of measures to control energy costs.

 Weatherization Assistance Program

To help consumers control energy costs, TDHCA’s Weatherization Assistance Program funds the installation of weatherization measures, funds minor home repairs to improve energy efficiency and provides energy conservation education. The weatherization measures must meet specific energy-saving goals. Priority is given to the elderly, disabled, families with young children; households with the highest energy costs or needs in relation to income (highest home energy burden); and households with high energy consumption.

Contact: Eligible households can access the Weatherization Assistance Program described above by contacting a local Sub-recipient online at http://www.tdhca.state.tx.us/texans.htm by selecting “weatherization” or by calling 211 or 888-606-8889 from a landline phone.

Rental Assistance

The following state and federal programs are available to individuals in need of rental assistance. Information is listed by activity. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page xx. To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Why are you using this Program Guide? Please let us know at: http://www.surveymonkey.com/s/ProgramGuide2013

Above: TDHCA’s Housing Tax Credit Program helps build safe, decent and affordable multifamily housing

REDUCED-RENT APARTMENTS Eligible households may qualify for rents that are lower than the market rate in certain apartment buildings that have been government-funded or government-backed. The rents will be based on the households’ income. Public Housing Authorities

U.S. Department of Housing and Urban Development (HUD) administers federal aid and assistance to local Public Housing Authorities (PHAs) for the provision of decent and safe rental housing for low-income families, the elderly and persons with disabilities. PHAs maintain and manage rental properties that are available for rent to eligible low- income families and individuals with eligibility based on annual gross income; qualification as elderly, a person with a disability or as a family; and U.S. citizenship or eligible immigration status. Income limits vary by location and are set by HUD. An applicant’s monthly rent is based on his/her family's anticipated gross annual income less any deductions and is computed so that the family pays no more than 30% of its monthly adjusted income. Assistance is specific to the rental unit and is available for as long as the tenant complies with the lease.

Contact: This program is available through local PHAs. Because of limited funding, some PHAs may have waiting lists or may have closed the program to new applicants. Interested renters will need to contact their local PHAs for more information. Appendix C lists all PHAs in Texas.

Reduced-Rent Units in Housing Finance Corporation Multifamily Properties

Local Housing Finance Corporations (HFCs) periodically receive an allocation of bond funds to use at the local level. With this funding, many HFCs finance multifamily development. Rental properties that have been funded through local HFCs must charge reduced rents for certain units.

Contact: See Appendix D for contact information on HFCs in your area. Please contact the local HFC to inquire about any rental properties that have been funded through the corporation. The apartment complex or rental property has applications for reduced-rent units.

Reduced-Rent Units in HUD-Financed Multifamily Properties

When privately-owned rental properties are funded by HUD, the property must charge reduced rents for certain units. There are housing units for senior citizens, people with disabilities and low-income families and individuals.

Rental Assistance

Although these properties are privately owned, HUD monitors the properties for compliance with rent restrictions, maintenance and other housing issues.

Contact: For more information and a list of rental properties funded by HUD, visit www.hud.gov/apps/section8 or contact one of the local HUD offices (see Appendix A). The rental properties handle applications directly.

 Reduced-Rent Units in TDHCA-Financed Properties When rental properties are funded by any of the Texas Department of Housing and Community Affairs’ (TDHCA) multifamily development programs, the property must set aside a certain number of units and charge reduced rents. The rent limits vary according to program, but the set-aside units are required to be more affordable than the average rents in the immediate area. Interested renters will need to contact the apartment complex or rental property for information on rates, vacancies and an application. Because these properties have been funded through the Department, TDHCA monitors the properties for compliance with rent restrictions, maintenance and other housing issues.

Contact: Eligible households can access reduced-rent apartments described above by contacting a local apartment complexes financed by TDHCA. Reduced-rent apartments can be found online at http://hrc- ic.tdhca.state.tx.us/hrc/VacancyClearinghouseSearch.m or by calling the Housing Resource Center at 1-800-525- 0657.

Reduced-Rent Units in TSAHC-Financed Multifamily Properties

When privately-owned rental properties are funded by TSAHC, the property must charge reduced rents for certain units. Contact TSAHC for a list of properties that have been funded by the corporation. The apartment complex or rental property has applications for reduced-rent units.

Contact: Please contact TSAHC directly for more information their programs.

TSAHC PO Box 12637 Austin, TX 78711-2637 (512) 477-3555 (888) 638-3555 http://www.tsahc.org

Reduced-Rent Units in USDA-Financed Multifamily Properties

When privately-owned rental properties are funded by the USDA, the units in the property must have reduced rents. There are housing units for senior citizens, people with disabilities and low-income families and individuals. Although these properties are privately owned, USDA monitors the properties for compliance with rent restrictions, maintenance and other housing issues.

Contact: For more information and a list of rental properties funded by USDA, contact your local USDA office (see Appendix E) or go online at online at http://rdmfhrentals.sc.egov.usda.gov/.

Section 521 Rental Assistance Program

USDA’s Rental Assistance Program provides rental subsidies to elderly, disabled and low-income residents of multifamily housing complexes financed by USDA Rural Development. Under this program, a qualified applicant pays no more than 30% of his or her income for housing. This assistance is available only to individuals residing in

Rental Assistance

multifamily rental housing properties that have been funded by USDA and not all residents may receive rental assistance.

Contact: For more information on this program and to obtain a list of rental properties that offer this program, contact your local USDA office (see Appendix E).

RENTAL PAYMENT ASSISTANCE Eligible households may qualify for rental payment assistance. With these programs, the households choose where to live, the administrator approves the location and the administrator pays a portion of the rent to the landlord. HOME Investment Partnerships Program

HUD’s HOME Investment Partnerships Program helps expand the supply of decent, affordable housing for low- and very low-income families by providing grants to states and local governments for housing purposes. HUD awards HOME funds to TDHCA and local governments. Local governments, called Participating Jurisdictions (PJs), that receive HOME funding, generally metropolitan areas, have great flexibility in designing their local HOME programs. At the local level, funds may be used for home repair, rental or home purchase purposes. TDHCA’s HOME Program allocation serves nonparticipating jurisdiction areas and is described throughout this document.

Contact: PJs that receive HOME funds may choose to administer a rental assistance program in their respective areas. See Appendix B for a list of PJs in Texas. Please contact these entities directly for program information.

Section 8 Program (Housing Choice Voucher Program)

HUD’s Section 8 Housing Choice Voucher Program (Section 8) is the federal government's major program for assisting very low-income families, the elderly and people with disabilities afford decent, safe and sanitary housing in the private market. Housing assistance is provided on behalf of the family or individual, which enables participants to find any housing that meets the requirements of the program. Assistance is not limited to units located in subsidized housing developments. The assistance is associated with the participant; therefore, if a participant were to relocate, he or she can use the voucher at the new residence. There are various types of housing vouchers including Conversion Vouchers, Family Unification Vouchers, Homeownership Vouchers, Project-Based Vouchers, Tenant- Based Vouchers, Welfare-to-Work Vouchers and Vouchers for People with Disabilities.

In general, the participating household's income may not exceed 50% of the median income (as determined by HUD) for the county or metropolitan area in which the family chooses to live. Vouchers are distributed through local PHAs, which must provide 75% of its vouchers to applicants whose incomes do not exceed 30% of the area median income. Housing assistance is calculated so that the participant pays no more than 30% of his or her monthly income for housing costs; the rest of the rental payment is paid to the property owner directly by the PHA.

Contact: This program is available through local PHAs. Because of limited funding, some PHAs may have waiting lists or may have closed the program to new applicants. See Appendix C for a listing of all PHAs in Texas and contact your area PHAs for more information.

 TDHCA HOME Tenant-Based Rental Assistance Program

TDHCA’s HOME Program’s Tenant-Based Rental Assistance (TBRA) Program provides rental assistance and security and utility deposit assistance to qualified individuals for up to two years. Assistance can be moved from one area to another, which means that it is not limited to a particular apartment complex. Additionally, HOME also offers a TBRA Program specifically for persons with disabilities.

Rental Assistance

Contact: Eligible households can access the HOME Tenant-Based Rental Assistance Program described above by contacting a local HOME Sub-recipient. HOME Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm and selecting “Rent Help” or by calling the Housing Resource Center at 1- 800-525-0657.

 TDHCA Section 8 (Housing Choice Voucher Program)

TDHCA’s Section 8 Program offers rental assistance subsidies to low-income families and individuals, including the elderly and persons with disabilities, in areas of Texas not served by a Section 8 Program through the local Public Housing Authority. Qualified households can choose their own housing and enter into an agreement with a landlord (after approval from the Section 8 local operator) to ensure accommodations that meet their needs. The statewide program is designed specifically for needy families in small cities and rural communities not served by similar programs.

Contact: Eligible households can access Section 8 Program for Chambers, Bosque, Caldwell, Comanche, Falls and Galveston counties as well as some smaller Texas communities as listed online at http://www.tdhca.state.tx.us/section-8/administration.htm. For Section 8 assistance in other Texas counties, please call the local PHAs found in Appendix C.

RENTAL PAYMENT ASSISTANCE FOR PERSONS WITH SPECIAL NEEDS

Eligible households with special needs may qualify for rents that are lower than the market rate in certain apartment buildings that have been government-funded or government-backed. The rents will be based on the households’ income.

Housing Opportunities for Persons with AIDS (HOPWA)

HUD awards funding to large cities and states with a significant number of acquired immunodeficiency syndrome (AIDS) cases to provide housing assistance and/or supportive services to low-income people with AIDS. HOPWA funds may be used to provide various services including emergency shelter, supportive services, permanent housing placement services, and short-term rent, mortgage, and utility assistance. Each household receiving rental assistance or living in housing funded under the program pays approximately 30% of its adjusted income for rent.

HUD funds the Texas Department of State Health Services (DSHS) and local governments to administer services under the HOPWA Program. DSHS contracts with eight Administrative Agencies around the state that either serve as project sponsors or contract with other agencies for the delivery of HOPWA services.

Contact: For more information, please contact the Office of HIV/AIDS Housing in HUD’s Office of Community Planning and Development at (202) 708-1934, a local HUD office (see Appendix A), or the Texas Department of State Health Services.

HIV/STD Program Texas Department of State Health Services PO Box 149347, MC 1873 Austin, TX 78714 (512) 533-3000 1-800-255-1090 http://www.dshs.state.tx.us/.

Rental Assistance

Relocation Assistance

Texas Department of Aging and Disability Services (DADS) offers assistance to nursing facility residents to transition back to their own homes or community settings.

Contact: DADS 701 W. 51st Street Austin, Texas 78751 PO Box 149030 Austin, Texas 78714-9030 (512) 438-3011 1-800-252-9240 http://www.dads.state.tx.us Supported Housing

DSHS contracts with Local Mental Health Authorities to actively promote regular integrated housing options for people with mental illness in the community. Supported housing providers assist the individual with locating, obtaining, maintaining and retaining regular integrated housing and provide funds for rental assistance on a temporary basis to facilitate the acquisition and maintenance of that housing. Support services such as accessing transportation, meal preparation, and budgeting may also be provided through this program.

Contact: For more information on DSHS programs, please contact them directly.

Texas Department of State Health Services PO Box 149347 Austin, TX 78714-9347 (512) 458-7111 1-888-963-7111 http://www.dshs.state.tx.us Supported Housing (HUD-VASH) Program

The HUD and the Veterans Affairs’ (VA) HUD-VASH program, provides long-term case management, supportive services and permanent housing support. Eligible homeless veterans receive VA-provided case management and supportive services to support stability and recovery from physical and mental health, substance use, and functional concerns contributing to or resulting from of homelessness. HUD provides Section 8 Housing Choice Vouchers designated for HUD-VASH to participating PHA to assist with rent payment.

Energy Assistance

The following state and federal programs offer energy assistance. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide on page xx. To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Above: Proper installation and maintenance of Why are you using this Program Guide? Please let us know at: energy efficient HVAC units ensure a home’s http://www.surveymonkey.com/s/ProgramGuide2013 affordability. Utility Payments

Utility payments for hot summer months or other electric emergencies can help prevent electricity from being cut off and help keep the residence livable.

 Comprehensive Energy Assistance Program

Texas Department of Housing and Community Affairs’ (TDHCA) Comprehensive Energy Assistance Program (CEAP) provides energy assistance to Texans with incomes slightly above the poverty level. Priority is given to the elderly, disabled, families with young children; households with the highest energy costs or needs in relation to income; and households with high energy consumption.

CEAP combines case management, education and financial assistance to help very low- and extremely low-income consumers reduce utility bills to an affordable level. There are four basic components to meet consumers’ needs:

1. The co-payment component helps households achieve energy self-sufficiency by setting goals for reducing utility bills, giving advice on improving household budgets and assisting with utility bills for 6 to 12 months.

2. The heating and cooling systems component repairs or replaces heating and cooling appliances to increase energy efficiency. Appliances included are evaporative coolers, window air conditioners, central heating and cooling systems, water heaters, space heaters, wall furnaces and refrigerators.

3. The energy crisis component provides assistance during an energy crisis caused by extreme weather conditions or an energy supply shortage.

4. The elderly and persons with disabilities component protects vulnerable households from fluctuations in energy costs by paying up to four of the highest energy bills during the year.

Contact: Eligible households can access the Comprehensive Energy Assistance Program described above by contacting a local Sub-recipient online at http://www.tdhca.state.tx.us/texans.htm and selecting “Utility Bill Help”, by calling 1-877-399-8939 from a landline phone, or referring to Appendix F.

Energy Assistance

LITE-UP Texas

The Public Utility Commission (PUC) of Texas’ LITE-UP Texas Program provides for an additional 20% discount on electric rates to all qualified low-income customers. This program is available to customers who have incomes slightly above the poverty level. The LITE-UP TEXAS program is designed to help qualified low-income individuals reduce the monthly cost of electric service. The program will provide discounts to eligible customers in the following months: May, June, July and August 2010.

Contact: Request an application by calling toll-free 1-866-454-8387 or from the PUC website at http://www.puc.state.tx.us/ocp/assist/liteup/solix.cfm.

WEATHERIZATION

Renters and homeowners alike could benefit from the installation of measures to control energy costs.

 Weatherization Assistance Program

TDHCA’s Weatherization Assistance Program (WAP) offers grants for the installation of weatherization measures, minor home repairs to improve energy efficiency and energy conservation education. Texans who have income at approximately twice the poverty rate or below would be eligible for this program. Priority is given to households who are elderly, disabled, families with young children; households with the highest energy costs or needs in relation to income; and households with high energy consumption. The weatherization measures to be installed must meet specific energy-savings goals.

Contact: Eligible households can access the Weatherization Assistance Program described above by contacting a local Sub-recipient listed online at http://www.tdhca.state.tx.us/texans.htm and selecting “Weatherization” or by calling 211 or 888-606-8889 from a landline phone, or referring to Appendix F. Other Programs

Emergency and Homeless Services

The following state and federal programs address emergency financial crisis situations that affect basic needs and homelessness. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide on page 3. To help identify TDHCA programs, a  will be provided by each TDHCA Above: TDHCA’s Emergency Solutions Grant program description. Program funding helps homeless shelters provide meals to the homeless

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Homeless Assistance/At-Risk-of-Homelessness Assistance

Listed below are programs available to help persons who are homeless become sheltered and programs to help persons who are about to become homeless stabilize their housing situation.

Emergency Shelter/Solutions Grants Program

U.S. Department of Housing and Urban Development’s (HUD) Emergency Shelter/Solutions Grants Program is allocated to Texas Department of Housing and Community Affairs (TDHCA), large cities and urban counties, which in turn award the funds to local organizations that provide homeless services. HUD funds Austin, Dallas, Fort Worth, Houston and San Antonio through ESGP to provide homeless services at the local level. TDHCA uses its ESGP funds to address homeless issues throughout the State.

Contact: For information on the above programs, contact a local HUD office (see Appendix A).

 Homeless Housing and Services Program

The Homeless Housing and Services Program (HHSP) provides funding to the eight largest cities in support of services to homeless individuals and families, including services such as case management, and housing placement and retention.

Contact: Cities currently served through the program include Arlington, Austin, Corpus Christi, Dallas, El Paso, Fort Worth, Houston and San Antonio. Eligible households can access the Homeless Housing Services Program by contacting a local Sub-recipient. The Homeless Housing Services Program Sub-recipients can be found by going online at http://www.tdhca.state.tx.us/texans.htm and selecting “Emergency and Homeless Services” or calling the Housing Resource Center at 800-525-0657.

Supportive Housing Program

HUD’s Supportive Housing Program (SHP) facilitates the development of housing and related supportive services for people moving from homelessness to permanent housing. SHP funds states, local governments, government agencies such as Public Housing Authorities (PHAs) and nonprofit organizations providing housing and supportive

Emergency and Homeless Services

services for the homeless. SHP supports the following program designs: transitional housing, which helps homeless people move to permanent housing; permanent housing for homeless people with disabilities; supportive services such as childcare, employment assistance and assistance in locating permanent housing; and other types of innovative supportive housing for homeless people.

Contact: For information on the above programs, contact a local HUD office (see Appendix A).

Single Room Occupancy Program

HUD’s Single Room Occupancy Program helps homeless individuals obtain decent, safe and sanitary housing in privately-owned, rehabilitated buildings. Under the Single-Room Occupancy Program, HUD enters into annual contributions contracts with PHAs to fund the moderate rehabilitation of residential properties to develop single- room residential units. When rehabilitation is completed, the PHAs make housing assistance payments to participating property owners on behalf of homeless individuals who rent the rehabilitated units. The tenant pays 30% of his/her income in rent and the remainder of rent owed is paid by the PHA.

Contact: For information on the above programs, contact a local HUD office (see Appendix A).

 Emergency Shelter/Solutions Grant Program

TDHCA’s Emergency Shelter/Solutions Grant Program funds homeless shelters as well as intervention services for persons threatened with homelessness. This program can fund the rehabilitation of a building for a new homeless shelter, the operation and maintenance of a homeless shelter, essential supportive services, homeless prevention and grant administration. Homelessness prevention services may include emergency rental payments to prevent eviction or utility assistance.

Contact: Eligible households can access the Emergency Solutions Grants Program services described above by contacting a local Sub-recipient. The Emergency Solutions Grants Program Sub-recipients can be found by going online at http://www.tdhca.state.tx.us/texans.htm and selecting “Emergency and Homeless Services” or calling the Housing Resource Center at 800-525-0657.

Homeless Assistance for Persons with Special Needs Listed below are programs available to help persons with special needs who are homeless or at-risk of homelessness acquire housing or keep their housing.

Assertive Community Treatment

Department of State Health Services’ (DSHS) Assertive Community Treatment serves as the fixed point of responsibility for providing treatment, rehabilitation and support services to people with severe and persistent mental illness. Services may include psychiatric, substance abuse, employment and housing.

Contact: DSHS Homeless Coordinator 1100 W. 49th St Austin, TX 78756-3199 (512) 458-7111 http://www.dshs.state.tx.us

Emergency and Homeless Services

Community Care for the Aged and Disabled

DAD’s Community Care programs provide in-home and community-based services to the elderly and people with disabilities and allow them to remain in their own homes and communities. Certain services are available to functionally-impaired children who have an established need and most programs have income limits and other requirements. Programs offered include Adult Foster Care, Community Attendant Services, Community Based Alternatives, Community Living Assistance and Support Services, Consumer Managed Personal Assistance Service, Day Activity and Health Services, Deaf-Blind with Multiple Disabilities, Emergency Response Services, Family Care Services, Home-Delivered Meals, Home and Community-based Services, Hospice Services, In-Home and Family Support Program, Intermediate Care Facilities for Persons with Mental Retardation, Mental Retardation Community Services, Medically Dependent Children Program, Primary Home Care, Residential Care, Special Services to Persons with Disabilities, State Mental Retardation Facilities, Program of All-Inclusive Care for the Elderly, Residential Care, Special Services to Persons with Disabilities, and Texas Home Living Program.

Contact: See Appendix G for a list of local Area Agencies on Aging (AAAs) or contact Department of Aging and Disability Services (DADS) directly.

DADS P.O. Box 149030 Austin, Texas 78714-9030 Phone: (512) 438-3011 (800) 458-9858 http://www.dads.state.tx.us

Compensated Work Therapy

Qualified at-risk and homeless veterans may participate in the Veterans Affairs’ (VA) Compensated Work Therapy Program (also known as Veterans Industries) to live in a group home and work about 33 hours a week learning new job skills. When participating in the program, the veteran will pay an average of $186 per month for maintenance and up-keep of the residence. Average stay is 174 days.

Contact: Compensated Work Therapy is offered in Austin (512-389-6627 or 512-389-6503); Big Spring (432-263- 7361 x 7314 or 432-263-7361 x 7302); Bonham (903-583-6244 or 903-593-6684); Dallas (4500 S. Lancaster Road, Dallas, 75216) ; El Paso (915-564-6159 or 915-564-6100 x 7037); Fort Worth (817-255-7123 or 817-255-7150); Houston (713-794-7703 or 713-794-7453); San Antonio (210-692-1155 x 64910 or 210-617-5300 x 65147); Temple (254-743-2938 or 254-743-2939); or Waco (254-743-2938 or 254-297-5041

Comprehensive Homeless Centers

Comprehensive Homeless Centers offer a full range of VA homeless services and coordinate with non-VA service providers to assist homeless veterans. These centers are located in Anchorage, AK; Brooklyn, NY; Cleveland, OH; Dallas, TX; Little Rock, AR; Pittsburgh, PA; San Francisco, CA; and West Los Angeles, CA. They provide a comprehensive continuum of care that reaches out to homeless veterans and helps them escape homelessness.

Contact: Veterans Benefits Administration

Houston Regional Office 6900 Almeda Road Houston, TX 77030 1-800-827-1000

Emergency and Homeless Services

Domiciliary Care for Homeless Veterans Program

The VA’s Domiciliary Care for Homeless Veterans Program provides residential treatment and rehabilitation to homeless veterans. The treatment centers conduct outreach and referral, vocational counseling and rehabilitation and post-discharge community support.

Contact: Houston VA Regional Office 6900 Almeda Road Houston, TX 77030 713-383-1999 or 1-800-827-1000

Drop-In Centers

VA Drop-In Centers provide a daytime refuge where homeless veterans can clean up, wash their clothes and participate in a variety of rehabilitative activities.

Contact: McGovern Drop-In Center for Homeless Veterans 1418 Preston Avenue, Houston, TX 77002 713-794-7533

Emergency Food and Shelter Program

Federal Emergency Management Agency’s (FEMA) Emergency Food and Shelter Program began in 1983 with a $50 million federal appropriation. The program was created by Congress to help meet the needs of hungry and homeless people throughout the United States and its territories by allocating federal funds for the provision of food and shelter.

The program is governed by a National Board composed of representatives of the American Red Cross; Catholic Charities, USA; The Jewish Federations of North America; The National Council of the Churches of Christ in the U.S.A.; The Salvation Army; and United Way Worldwide. The Board is chaired by a representative of the FEMA.

Program funds are used to provide the following, as determined by the Local Board in funded jurisdictions:

• Food, in the form of served meals or groceries. • Lodging in a mass shelter or hotel. • One month's rent or mortgage payment. • One month's utility bill. • Minimal repairs to allow a mass feeding or sheltering facility to function during the program year. • Equipment necessary to feed or shelter people, up to a $300 limit per item. Contact: For more information, call 211 or go online at http://www.efsp.unitedway.org/efsp/website/.

Excess Property for Homeless Veterans Initiative Excess federal personal property, such as hats, parkas, footwear, socks and sleeping bags, are distributed to homeless veterans and homeless veteran programs under the VA’s Excess Property for Homeless Veterans Initiative. Contact: For more information on VA programs, contact one of the Veterans Benefits Administration offices in Texas. For specific information on VA homeless programs, visit http://www.va.gov/homeless.

Emergency and Homeless Services

Veterans Benefits Administration Houston Regional Office 6900 Almeda Road Houston, TX 77030 1-800-827-1000

Veterans Benefits Administration Waco Regional Office 1 Veterans Plaza 701 Clay Avenue Waco, TX 76799 1-800-827-1000

Family Violence Program

The Texas Health and Human Services Commission funds family violence centers located throughout the state that provide services to victims of family violence. Services for victims include 24-hour hotline guidance, information and referral services, legal services, counseling, transportation services and assistance in obtaining medical care and job training. Selected family violence centers provide temporary shelter services. To be eligible for services, a client must be physically, emotionally or sexually abused by a partner, former partner or another family or household member.

Contact: For more information on family violence services, call the National Domestic Violence Hotline at 1-800- 799-7233 or go online at http://www.hhsc.state.tx.us/programs/familyviolence/.

Grant and Per Diem Program

The VA’s Grant and Per Diem Program funds community organizations that provide services to homeless veterans. This program promotes the development and provision of supportive housing and/or supportive services with the goal of helping homeless veterans achieve residential stability and increase their skill levels and incomes. Eligible activities include the construction, acquisition or renovation of homeless facilities, purchase of vans for the transportation of homeless veterans and operational costs related to supportive services. Veterans in supportive housing may be required to pay no more than 30% of their monthly income for rent and reasonable fees may be charged for supportive services. Services may include case management, education, medical care, transportation, crisis intervention and counseling.

Contact: For more information, please contact the Grant and Per Diem Program at 1-877-332-0334.

Projects for Assistance in Transition from Homelessness (PATH)

DSHS’ Community Mental Health and Substance Abuse Division funds subdivisions of state of Texas, units of local government and non-profit entities, for administration of homelessness prevention services and mental health crisis services.

Contact: Texas Department of State Health Services Homeless Coordinator 1100 W. 49th St Austin, TX 78756-3199 (512) 458-7111 http://www.dshs.state.tx.us

Emergency and Homeless Services

Services Offered Through Area Agencies on Aging (AAAs)

DAD’s funds local AAAs, which offer various services for senior citizens and their caregivers. Services may include Access and Assistance Services, which include care coordination, caregiver support, education on benefits awareness and advocacy; Caregiver Support Services which includes caregiver respite care-in-home; Nutrition Services, which includes home-delivered meals; and In-Home Support Services, which includes housekeeping and health screening. Many AAAs also maintain senior centers.

Contact: See Appendix G for a list of local AAAs or contact DADS directly. DADS P.O. Box 149030 Austin, Texas 78714-9030 Phone: (512) 438-3011 http://www.dads.state.tx.us

Shelter Plus Care Program

HUD’s Shelter Plus Care Program provides rental assistance for hard-to-serve homeless persons with disabilities in connection with supportive services funded from sources outside the program. Shelter Plus Care (S+C) is a program designed to provide housing and supportive services on a long-term basis for homeless persons with disabilities (primarily those with serious mental illness, chronic problems with alcohol and/or drugs and HIV/AIDS or related diseases) and their families who are living in places not intended for human habitation (e.g. streets) or in emergency shelters.

Contact: For information on the above programs, contact a local HUD office (see Appendix A).

Stand Downs

In the military service, Stand Downs is a term to describe front line troops who move to a place of safety to rest and receive assistance before returning to combat. The VA’s Peacetime Stand Downs provide local coalitions in various cities the funds to allow homeless veterans one-to-three day safe havens offering a temporary place of security and assistance with basic needs.

Contact: For more information, please contact the Homeless Veterans Programs Office at 1-877-4AID-VET (424- 3838).

Special Outreach and Benefits Assistance

The VA’s Veteran Benefits Counselors are available to provide outreach, benefits counseling, referral and other serves to eligible veterans applying for benefits. Counselors make visits specifically to homeless facilities and work with homeless care providers.

Contact: For more information on VA programs, contact one of the Veterans Benefits Administration offices in Texas. For specific information on VA homeless programs, visit http://www.va.gov/homeless.

Veterans Benefits Administration Houston Regional Office 6900 Almeda Road Houston, TX 77030 1-800-827-1000

Emergency and Homeless Services

Veterans Benefits Administration Waco Regional Office 1 Veterans Plaza 701 Clay Avenue Waco, TX 76799 1-800-827-1000

Supported Housing Program

The HUD-VA’s Supported Housing Program provides permanent housing and ongoing treatment services to homeless, mentally ill veterans and those suffering from substance abuse problems. HUD’s Housing Choice Section 8 Voucher Program has designated over 20,000 vouchers for homeless veterans.

Contact: For more information, please contact the Homeless Veterans Programs Office at 1-877-4AID-VET (424- 3838).

Veterans Homelessness Prevention Demonstration

The Veterans Homelessness Prevention Demonstration program offers housing assistance, case management services, and employment counseling. HUD, VA and Department of Labor (DOL) partner to provide the services for veterans who are at a high risk of becoming homeless. In Texas, this program is located in Austin.

Contact: Salvation Army-Austin Metropolitan Area Command (512-634-5916, [email protected]); Waco Regional Veterans Benefits Administration (254-534-4253, [email protected]) or Texas Veterans Commission (254-200-2040, [email protected]).

Emergency Services The programs below are designed to help Texans through crises that may cause homelessness. With appropriate help, many households can gain or retain their housing.

 Community Services Block Grant

TDHCA’s Community Services Block Grant (CSBG) provides administrative support for essential services including access to child care; health and human services for children, families and the elderly; nutrition; transportation; job training and employment services; housing; substance abuse prevention; migrant assistance; emergency financial assistance; and other related services. These services are available to residents with income slightly above the federal poverty level.

Contact: Eligible households can access the Community Services Block Grant services described above by contacting a local Sub-recipient. The Community Services Block Grant Sub-recipients can be found by going online at http://www.tdhca.state.tx.us/community-services/docs/csbg/CSBGContractorList.pdf or calling the Housing Resource Center at 800-525-0657.

Comprehensive Rehabilitation Services Program

Texas Department of Assistive & Rehabilitative Services’ (DARS) Comprehensive Rehabilitation Services program helps people with spinal cord and brain injuries become more independent.

Emergency and Homeless Services

Contact: DARS P.O. Box 149198 Austin, Texas 78714-9198 Phone: 800-628-5115 TTY: 1-866-581-9328 http://www.dars.state.tx.us [email protected]

Independent Living Services and Centers

DARS’ Independent Living Services and Centers promote self-sufficiency of clients despite significant disabilities. Services include providing for improved mobility, communication, personal adjustment and self-direction. Assistance is provided through peer counseling, information referral and advocacy support.

Contact: DARS P.O. Box 149198 Austin, Texas 78714-9198 Phone: 800-628-5115 TTY: 1-866-581-9328 http://www.dars.state.tx.us [email protected]

Lifeline

The Public Utility Commission of Texas’ provides Lifeline, which helps qualified low-income individuals pay the monthly cost of basic telephone service. The service provides a $7 discount on basic monthly telephone rates. Households at or below 150% of the federal poverty guidelines or receiving Supplemental Security Income, food stamps, Medicaid, federal public housing assistance, Low-Income Home Energy Assistance Program support or Health Benefit Coverage under Child Health Plan under Chapter 62 (CHIP) are eligible for assistance.

Contact: Public Utility Commission of Texas 1-866-4LITEUP (1-866-454-8387) http://www.puc.state.tx.us/consumer/lowincome/Assistance.aspx

Link-Up The Public Utility Commission of Texas’ provides the Link-Up Program, which provides a 50% discount, up to a maximum of $30, on local telephone service installation. Eligible households may also be able to delay payment on the balance of the connect fee, up to $200, for one year without interest charges. Households at or below 150% of the federal poverty guidelines or receiving Supplemental Security Income, food stamps, Medicaid, federal public housing assistance, Low-Income Home Energy Assistance Program support or Health Benefit Coverage under Child Health Plan under Chapter 62 (CHIP) are eligible for assistance. For more information on this program, contact your local telephone company or call PUC.

Contact: Public Utility Commission of Texas 1701 North Congress Avenue PO Box 13326 Austin, TX 78711-3326 (512) 936-7000 1-888-782-8477 (Assistance Hotline) or 1-866-454-8387 (Low Income Assistance Programs) http://www.puc.state.tx.us/ http://www.lifelinesupport.org/

Emergency and Homeless Services

Medicaid

The Texas Health and Human Services Commission administers Medicaid, a state-administered program that pays for most medical services for eligible low-income families, children, people who are elderly and people with disabilities. Households that receive Temporary Assistance for Needy Families, Refugee Cash Assistance and Supplemental Security Income are automatically eligible for Medicaid and other people may qualify based on their income and resources. In most cases, Medicaid pays for doctors’ services, laboratory and X-ray charges, medicine, nursing facility and hospital services, family planning, eyeglasses, hearing aids, selected community care services and other health care services. This program should not be confused with Medicare, which is a federal health insurance program for people over 65.

Contact: See the Texas Health and Human Services Commission for more information on their programs. Call 2-1- 1 or visit a Texas Health and Human Services Commission benefits office. Information is also available online at http://www.hhsc.state.tx.us.

SNAP Food Benefits

The Texas Health and Human Services Commission administers the SNAP Food Benefits (formerly called Food Stamp Program), a federally-funded program that helps eligible low-income families and individuals purchase nutritious food from local food stores. There are income requirements for people with children, the elderly and persons with disabilities. For individuals, applicants must meet income and employment requirements and assistance may be limited.

Temporary Assistance for Needy Families

The Texas Health and Human Services Commission administers the Temporary Assistance for Needy Families (TANF) Program, which provides financial assistance to families with needy children. Funds are available monthly for food, clothing, housing, utilities, furniture, transportation, laundry, household equipment, medical supplies not paid by Medicaid and other necessities. Low-income families are eligible if they include children 18 years of age or younger and do not exceed income qualifications. Grandparents caring for one or more grandchildren who receive TANF may be eligible for a one-time supplemental payment of $1,000. Monthly TANF payments for the grandchild only and monthly TANF payments for both the grandparents and the grandchild.

Vocational Rehabilitation Program DARS’ Vocational Rehabilitation program helps people with disabilities gain and keep employment. This program may provide counseling, training, medical treatment, assistive devices, and job placement assistance. Services may also include assistance to students with disabilities transition from school to work. Eligible participants include people with the presence of a physical or mental disability that results in a substantial impediment to employment, determination of whether the individual will be employable after receiving services and determination of whether services are required to achieve employment. People with disabilities who have been injured on the job and partners with the Office of Injured Employee Council may also be eligible.

Emergency and Homeless Services

Contact: DARS P.O. Box 149198 Austin, Texas 78714-9198 Phone: 800-628-5115 TTY: 1-866-581-9328 http://www.dars.state.tx.us [email protected]

Foreclosure Relief

The following section starts with tips on how to spot loan/foreclosure scams and then goes on to describe foreclosure relief activities listed by administering organization. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page 4. To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Above: Housing counselors funded through TDHCA’s National Foreclosure Mitigation Program help struggling homeowners avoid foreclosure.

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FORECLOSURE PREVENTION SCAMS

Remember that foreclosure prevention help is free! Take a look at common tactics some companies use to take advantage of homeowners threatened with foreclosure.

Foreclosure Prevention Scams: 6 Things You Should Know 1. A company/person asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage. They may pocket your money and do little or nothing to help you save your home from foreclosure. 2. A company/person guarantees they can stop a foreclosure or get your loan modified. Nobody can make this guarantee to stop foreclosure or modify your loan. Legitimate, trustworthy counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) will only promise they will try their very best to help you. 3. A company/person advises you to stop paying your mortgage company and pay them instead. Despite what a scammer will tell you, you should never send a mortgage payment to anyone other than your mortgage lender. The minute you have trouble making your monthly payment, contact your mortgage lender. 4. A company pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read, and you don't fully understand. A legitimate housing counselor would never pressure you to sign a document before you had a chance to read and understand it. 5. A company claims to offer "government-approved" or "official government" loan modifications. They may be scam artists posing as legitimate organizations approved by, or affiliated with, the government. Contact your mortgage lender first. Your lender can tell you whether you qualify for any government programs to prevent foreclosure. And, remember, you do not have to pay to benefit from government-backed loan modification programs.

Foreclosure Relief

6. A company/person you don’t know asks you to release personal financial information online or over the phone. You should only give this type of information to companies that you know and trust, like your mortgage lender or a HUD-approved counseling agency.1

Loan Modification Scam Alert

NeighborWorks America provides tips to avoid loan modification scams and how to report a loan modification scam. Common loan scams include the scam artist convincing the homeowner to sign documents for a “new loan modification” that will make the existing mortgage current but the documents actually surrender the deed to the scammer. Homeowners should make sure to read all documents before signing them. In another version of a scam, the scam artist offers to review the homeowners’ mortgage loan documents to determine whether the lender complied with state and federal mortgage lending laws, promising that the homeowners can use the reports to reduce the loan principal or even cancel the loan. The scammer will usually require a fee to start the process.

Contact: Go online at http://www.loanscamalert.org. To report scams, go to http://www.loanscamalert.org/report-scams.aspx or call the Homeowner’s Hope Hotline at 1-888-995-HOPE (4673), call the Federal Trade Commission at 877-FTC-HELP (877-382-4357), or call your state Attorney General at 1-800-621-0508.

FORECLOSURE PREVENTION COUNSELING

Foreclosure prevention counselors act like a mediator between the homeowner and the servicer or lender. As an impartial third party, the counselor may help the homeowner and the servicer/lender come to a mutually-beneficial solution to avoid foreclosure.

Fannie Mae Mortgage Help Centers

Fannie Mae, in cooperation with local organizations and participating mortgage servicers, is opening a series of Mortgage Help Centers throughout the country. These facilities will operate as a local resource where homeowners with loans owned by Fannie Mae can obtain housing counseling and help in communicating with their servicers about mortgage workouts and other foreclosure alternatives. All services offered by the Fannie Mae Mortgage Help Centers are free. The Mortgage Help Centers are being opened in specific areas to help local homeowners whose mortgages are owned by Fannie Mae and who may be behind on their mortgage payments or struggling to make their payments.

Contact: Dallas has a Mortgage Help Center. Appointments are necessary. The Center can be reached at 866-442- 8575, [email protected] or 2777 N. Stemmons Fwy, Ste 110B, Dallas, TX 75207-2262.

Foreclosure Prevention Counseling

HUD certifies housing counseling agencies that have specific training to help homeowners avoid foreclosure, such as creating a budget and directly contacting servicers. This counseling is free of charge to the homeowners. The counseling agencies are partially funded by HUD and NeighborWorks America.

Contact: Check online at http://www.hud.gov/offices/hsg/sfh/hcc/fc/ or call 800-569-4287 to find a foreclosure counselor in your area.

1 Loan Modification Scam Alert. http://www.loanscamalert.org/things-you-should-know.aspx 46

Foreclosure Relief

 National Foreclosure Mitigation Counseling Program

Texas Department of Housing and Community Affairs’ (TDHCA) National Foreclosure Mitigation Counseling Program provides funds to HUD-approved counselors to expand foreclosure counseling. Eligible recipients of foreclosure intervention counseling must be owner-occupants of single-family (one-unit to four-unit) properties with mortgages in default or danger of default

Contact: Homeowners in danger of foreclosure can access the National Foreclosure Mitigation Counseling Program described above by contacting a HUD-approved housing counselor. Call 800-569-4287 or go online at www.findaforeclosurecounselor.org to contact a local housing counselor.

LOAN MODIFICATIONS

Loan modifications can reduce the monthly amounts paid by homeowners in order to make the homeownership sustainable. Making Home Affordable Homeowners Assistance Program

This program provides some monetary relief for eligible federal personnel, both military (including Coast Guard) and Department of Defense civilians, faced with losses on the sale of their primary residence when there is no present market for the sale of such property upon reasonable terms and conditions. To be eligible for the Homeowners Assistance Program, the homeowner must have been permanently reassigned to a new duty station or home port outside a 50-mile radius of the member’s former duty station or home port; have the reassignment ordered between February 2006 and September 2010; have purchased property (or contract to purchase signed) before July 2006; have a decline of 10% or greater in home value; live in the home as a primary resident; and not have received the Homeowners Assistance Program before.

Contact: http://hap.usace.army.mil/ or email [email protected].

Homeowners who owe more on their homes than their homes are currently worth may be able to refinance or modify their existing mortgages under this program. Under Making Home Affordable are the following Programs:

Home Affordable Modification Program

The Home Affordable Modification Program (HAMP) creates loan modification options for homeowners who have trouble making the mortgage payment due to an increase in the mortgage payment or reduction in income or other hardship. The homeowner must occupy the home as a primary residence; owe less than $729,750 (one unit) or $1,403,400 (four units); have received the current mortgage before January 1, 2009; have a monthly mortgage payment greater than 31 percent of the homeowners’ monthly gross (pre-tax income); and can document the financial hardship. Homeowners can qualify for this program if they are behind on mortgage payments, but they do not have to be behind on payments to qualify. Homeowners who participate in HAMP will typically take part in a three-month trial period to determine if the new mortgage terms will work.

Second Lien Modification Program (2MP)

The Second Lien Modification Program (2MP) is designed to work in tandem with the Home Affordable Modification Program (HAMP, described above). Under 2MP, when a homeowner’s first lien is modified under HAMP and the servicer of the second lien is a 2MP participant, that servicer must offer to modify or provide some level of extinguishment on the borrower’s second lien. The 2MP offer will be made on the basis of the financial information provided by the homeowner in conjunction with the HAMP modification and without additional evaluation by the second lien servicer.

Foreclosure Relief

Home Affordable Refinance Program

The Home Affordable Refinance Program (HARP) creates refinance options for eligible homeowners who are current on their mortgages (no more than 30 days late in the last 12 months or never missed a payment) but be unable to take advantage of today’s lower interest rates because their homes have decreased in value. Homeowners who can participate in the Home Affordable Refinance Program must have a loan owned or guaranteed by Fannie Mae or Freddie Mac. The amount owed on the first lien mortgage must not exceed 125% of the current market value of the property. Finally, the refinance must improve the long-term affordability or stability of the loan and the homeowner must have reasonable ability to pay the new payments.

Home Affordable Foreclosure Alternatives

The Home Affordable Foreclosure Alternative (HAFA) Program offers homeowners, their mortgage servicers, and investors an incentive for completing a short sale or deed-in-lieu of foreclosure. With these options, under HAFA, a homeowner leaves their home to transition to more affordable housing and alleviate the mortgage debt they owe. These options are available for homeowners who: 1. do not qualify for a trial mortgage modification under the Making Home Affordable Program; 2. do not successfully complete the trial period for their modification; 3. miss at least two consecutive payments during their modification period; or 4. request a short sale or deed-in-lieu of foreclosure.

Contact: Interested homeowners should contact a HUD-approved housing counselor at 800-569-4287 or contact their mortgage company or servicer. More information can be found online at http://makinghomeaffordable.gov/. Mortgage Lenders and Services Many mortgage lenders and servicers work with struggling homeowners to provide relief through programs specially developed by their companies. Homeowners may contact their mortgage lender or servicer to discuss options available to avoid foreclosure or transition smoothly to another housing situation. Lenders will try to contact homeowners by mail and phone soon after they stop receiving making payments. It is very important that the homeowner respond to the mail and the phone calls offering help. If the lender does not hear from the homeowner, they will be required to start legal action leading to foreclosure. This will substantially increase the cost of bringing the loan current. Homeowners should not ignore contact from their lenders. Contact: Determine which company receives your mortgage payment (this company may be found on the mortgage payment slip mailed with your mortgage check or on your monthly mortgage billing statement) and contact this company. Real Estate Owned (REO) Rental Initiative

The Real Estate Owned (REO) Rental Initiative allows qualified former owner-occupants and tenants to lease properties in which they currently live that are now owned by Fannie Mae or Freddie Mac as a result of foreclosure. The occupant must demonstrate an ability to pay the market-rate rent; allow an inspector to inspect the property and sign a property condition disclosure after an inspection; sign a separate lease agreement; and allow the property to be shown to prospective buyers and real estate agents. Qualified occupants may have the option of receiving relocation assistance if they do not wish to rent that property.

Contact: Freddie Mae or Freddie Mac’s real estate broker will contact occupants after a foreclosure to determine eligibility for this program. Property managers and/or an eviction attorney will follow-up with occupants to initiate the program.

Foreclosure Relief

Fannie Mae does not originate loans or lend to consumers directly; participating lenders choose to offer these products. Contact your servicer or lender. For more information on single family lending products, call Fannie Mae’s Consumer Resource Center at 1-800-732-6643 or contact the regional office for Texas: Fannie Mae Southwestern Regional Office International Plaza II 14221 Dallas Parkway Suite 11201 Dallas, TX 75254-2916 (972) 773-4663 http://www.fanniemae.com

Freddie Mac makes mortgage products available through participating lenders. For information on programs, call 1- 800-373-3343 or contact the regional office for Texas.

Freddie Mac Southwest Region 5000 Plano Parkway Carrollton, TX 75010 (972) 395-4000 http://www.freddiemac.com

FORECLOSURE PREVENTION PARTNERSHIPS

If homeowners facing foreclosure are unsure where to turn first, they can start with the following organization for a referral or more information. HOPE NOW HOPE NOW is offered through the Homeownership Preservation Foundation. The Homeownership Preservation Foundation is a national nonprofit organization that connects local governments, nonprofit organizations, borrowers and lenders to each other in order to help homeowners avoid foreclosure. This program fosters an alliance between participants in the mortgage market to create a coordinated plan to reach and help homeowners facing foreclosure. The U.S. Department of Housing and Urban Development as well as the Department of the Treasury encouraged leaders in the lending industry, investors and non-profits to join this alliance. Contact: HOPE Hotline at 888-995-HOPE (4619) or see their website at http://www.hopenow.com/.

LOCAL CITIES OR COUNTIES

Local cities or counties may have resources available for homeowners facing foreclosure. Local Cities or Counties

Local cities or counties may have their own foreclosure prevention initiatives which may include foreclosure prevention counseling, emergency mortgage payments to prevent foreclosure and public assistance programs to assist with expenses other than foreclosure.

Contact: Call or email your local city or county.

Disaster Recovery

The following section describes assistance for homeowners, renters, cities and counties and other entities due to damages from natural disasters. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page 3.To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Why are you using this Program Guide? Please let us know at: http://www.surveymonkey.com/s/ProgramGuide2013

Above: Homeowners of the 1500th Disaster Recovery Home, Eduardo and Ana Cardenas.

Homeowner and Rental Housing Recovery

Housing and other recovery services are available after state- or federally-declared disasters.

Community Development Block Grant - Disaster Recovery Funding (Hurricanes Dolly and Ike) The Community Development Block Grants disaster recovery program includes a number of housing activities to assist households recovering from hurricanes Dolly and Ike. Housing activities include single family home repair, reconstruction, new construction, demolition, acquisition, and code enforcement. The General Land Office (GLO) also manages a multifamily affordable housing rental repair or reconstruction program. At the end of the program, the state anticipates assisting more than 10,000 households.

The Community Development Block Grant disaster recovery program also oversees nonhousing activities, which include infrastructure repairs, equipment acquisition and installation, as well as economic development. It is the largest public works program in Texas history, with more than 3,000 expected project sites. The local services are provided by firms specializing in design engineering, grant administration, and environmental services. It is estimated that over 4,800 jobs will be supported by this program.

Contact: Get information from the GLO by calling 866-206-1084 or visiting http://www.glo.texas.gov/GLO/disaster-recovery.

 Community Services Block Grant – Disaster Recovery The Texas Department of Housing and Community Affairs’ (TDHCA) CSBG funds can be used to provide disaster relief to areas of the State impacted by natural or man-made disasters. Disaster relief assistance supported through these funds includes essential emergency assistance to disaster-impacted individuals and families near the poverty level. Assistance may include: shelter, food, clothing, blankets and bedding, cleaning supplies, items of personal hygiene, etc.

Contact: Contact the local CAA listed in Appendix F to see if they received these funds.

Disaster Recovery

Disaster Relief Program

The Disaster Relief Program, offered through the Federal Home Loan Bank, will finance projects that assist with the recovery efforts, including residential and rental properties, in officially declared disaster areas in the Bank’s district. Eligible households that have had their homes or businesses damaged by the disaster. Funds are eligible to certain communities based on specified income limits. Contact: Federal Home Loan Bank of Dallas PO Box 619026 Dallas, TX 75261-9026 (214) 441-8500 1-800-362-2944 http://www.fhlb.com

Federal Assistance to Individuals and Households - Housing Assistance

For people who live in a federally-declared disaster area, Federal Emergency Management Agency (FEMA) may be able to provide a grant to repair a household’s primary residence or provide for temporary housing needs with grant assistance. Both owners and renters may apply.

Contact: Information about FEMA disaster-designated counties, as well as the process for applying for assistance can be found at the FEMA website, http://www.fema.gov. FEMA can also be contacted toll-free at 1-800-621- FEMA (3362). Applications are typically accepted within 60 days of the disaster, but a 30-day extension may be granted.

 HOME Program - Disaster Recovery Program

TDHCA may use HOME funds to award units of local government and/or their designated nonprofits to aid in the long-term recovery efforts of their communities after a state- or federally-declared disaster. The HOME Program provides funds for disaster relief through Homeowner Rehabilitation Assistance, Homebuyer Assistance and Tenant-Based Rental Assistance programs in communities that do not receive funding directly from the federal government. HOME disaster funds are designed specifically to assist eligible homeowners who are affected by the natural disaster, with emphasis on assisting those who have no other means or assistance, or as gap financing after any federal assistance. Eligible homeowners have extremely low, very low, low or moderate income.

Contact: Eligible households can access the HOME Homeowner Rehabilitation Assistance Disaster Recovery Program described below by contacting a local HOME Sub-recipient. HOME Sub-recipients can be found online at http://www.tdhca.state.tx.us/texans.htm and selecting “Home Repair” or by calling the Housing Resource Center at 800-525-0657.

Mortgage Insurance for Disaster Victims (Section 203(h))

The U.S. Department of Housing and Urban Development (HUD), through the Federal Housing Administration (FHA), administers housing programs that enable low- and moderate-income households to purchase homes. Many of these programs are available through FHA-approved lenders, who are encouraged to make loans to otherwise creditworthy borrowers that might not be able to meet conventional underwriting requirements by protecting the lender against loan default. These programs have reduced costs, relaxed down-payment requirements, limited fees and increased the ability to finance closing costs. To apply for an FHA-insured mortgage, the homebuyer will need to contact an FHA-approved lender. The Section 203(h) program allows the FHA to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home. Anyone whose

Disaster Recovery

home has been destroyed or severely damaged in a Presidentially-declared disaster area is eligible to apply for mortgage insurance under this program.

Contact: For more information contact the FHA Resource Center at (800) 225-5342. Homeowners can also visit HUD's website for a searchable listing of approved FHA lenders nationwide at: http://www.hud.gov/ll/code/llslcrit.cfm. Homeowners are encouraged to also contact a HUD-approved housing counseling agency for assistance with disaster-related issues at: (800) 569-4287.

Community Development

The following programs are available for community development purposes including basic infrastructure, utility improvements and economic development. Most programs are available directly to communities or to local nonprofit organizations. Information is listed by administering organization. For a description of the acronyms in this chapter, please see the Organizations in the Program Guide chapter on page 3. To help identify TDHCA programs, a  will be provided by each TDHCA program description.

Commercial, Industrial Facility Enhancement Help is available to redevelop qualified land that is currently unusable. Brownfields Economic Development Initiative The Brownfields Economic Development Initiative (BEDI) is designed to assist cities with the redevelopment of abandoned, idled and underused industrial and commercial facilities where expansion and redevelopment is burdened by real or potential environmental contamination. U.S. Department of Housing and Urban Development (HUD) emphasizes the use of BEDI and Section 108 Loan Guarantee funds to finance projects and activities that will provide near-term results and economic benefits such as job creation and increases in the local tax base.

Contact: Call the Office of Economic Development in HUD’s Office of Community Planning and Development at (202) 708-3484 for more information.

Community Damage Recovery When damage occurs as a result of arson or terrorism, there is assistance available to rebuild. Section 4 Guarantee Recovery Fund

Section 4 Guarantee Recovery Fund, authorized under the Church Arson Prevention Act, is a loan program that provides financing to rebuild property damaged or destroyed by arson or terrorism acts. Funds are available to nonprofit organizations and can be used for property acquisition, rehabilitation, construction and demolition; site preparation; architectural and engineering services; the installation of security systems; refinancing loans; and other project costs.

Contact: Call the Office of Economic Development in HUD’s Office of Community Planning and Development at (202) 708-2290 for more information.

Economic Development There are programs available to improve the economy of local communities. Community Development Financial Institutions Fund

The Community Development Financial Institutions (CDFI) fund works to encourage investment in community development financial institutions (CFDI) which promote economic revitalization and community development. The CFDI fund directly invests in, supports and trains CDFIs; providing tax credits to community development entities; providing an incentive to banks to invest in their communities and CFDIs; and providing financial assistance and training to Native CDFIs and other Native entities.

Contact: Call the U.S. Department of Treasury at (202) 622-6355 or visit online at http://www.cdfifund.gov.

Community Development

Economic Development Administration

The U.S. Department of Commerce’s Economic Development Administration (EDA) works to generate and retain employment and encourage economic growth in economically distressed areas through the following eight programs:

Community Trade Adjustment Assistance Program The Community Trade Adjustment Assistance Program provides planning and/or implementation project grants to communities that have experienced or are threatened by job loss resulting from international trade impacts.

Economic Adjustment Assistance Program The Economic Adjustment Assistance Program provides technical, planning and infrastructure assistance in regions experiencing adverse economic changes.

Global Climate Change Mitigation Incentive Fund The Global Climate Change Mitigation Incentive Fund promotes EDA policies and strategies which contribute to environmentally sustainable development.

Planning Program The Planning Program assists local and regional organizations with their short and long-term planning efforts.

Public Works and Economic Development Program The Public Works and Economic Development Program helps finance the construction or rehabilitation of public infrastructure and facilities which will create or maintain private sector jobs and investments, attract private sector capital and increase regional competitiveness.

Research and Evaluation Program The Research and Evaluation Program funds cutting-edge economic development practices and information-dissemination research.

Trade Adjustment Assistance for Firms Program The Trade Adjustment Assistance for Firms Program helps manufacturing and production firms become more competitive in the global economy.

Technical Assistance Program The Technical Assistance Program provides assistance to public and nonprofit leaders to help in economic development decision making as well as providing the resources of universities available to the economic development community (previously the University Center Economic Development Program).

Contact: The Austin Regional Office of the Economic Development Administration can be reached at: 504 Lavaca Street, Suite 1100 Austin, TX 78701-2858 (512) 381-8144 http://www.eda.gov

Community Development

Economic Development Program

The Federal Home Loan Bank’s Economic Development Program provides capital advances to finance commercial revitalization or economic development projects. Loans may be used for such activities as construction, public works projects, hospitals, industrial facilities, civic centers, social services facilities, nursing homes, capital improvement, water/wastewater infrastructure, small business funding, and historic preservation. Projects must be located in areas that meet the income qualifications required.

The Economic Development Program Plus (EDP Plus) is designed to promote and enhance small business development; to foster business relationships between member institutions, small businesses, and small business development organizations; to create and retain jobs; and to assist member institutions in providing capital to underserved areas or to underserved populations.

Contact: Federal Home Loan Bank of Dallas PO Box 619026 Dallas, TX 75261-9026 (214) 441-8500 1-800-362-2944 http://www.fhlb.com

Section 108: Economic Development Loan Guarantee Fund

This program is the loan guarantee provision of HUD’s Community Development Block Grant (CDBG) Program and provides communities with a source of financing for economic development, housing rehabilitation, public facilities and large-scale physical development projects. This program allows recipients of CDBG funding to transform a small portion of funds into federally-guaranteed loans that can be used to pursue economic development activities, acquisition of real property, housing rehabilitation, public facilities construction or rehabilitation, public works improvements and other activities.

Contact: For more information on this program, contact the Section 108 Loan Guarantee Program office within HUD’s Office of Community Planning and Development at (202) 708-1871 or (202) 708-1506.

Education, Training

Education and job training can help residents of local communities improve their economic outlook.

Community Renewal Initiative

Through federal grants, tax incentives and partnerships, the Community Renewal Initiative promotes new businesses and creates jobs, housing and education and healthcare opportunities. HUD-designated Renewal Communities, urban Empowerment Zones and urban Enterprise Communities are eligible to receive a tax-incentive package to spur growth and revitalize the area. In the Empowerment Zones and Renewal Communities, the most widely used Community Renewal tax incentive is the employment credit, which provides tax benefits to businesses that employ residents from the designated areas.

Contact: Call the Office of Economic Development in HUD’s Office of Community Planning and Development at (202) 708-6339 for more information.

Community Development

Youthbuild

This U.S. Department of Labor program is designed to provide job training and educational opportunities for at-risk youth ages 16-24 while constructing or rehabilitating affordable housing for low-income or homeless families in their own neighborhoods. Youthbuild programs fund nonprofit organizations, community-based organizations, community action agencies, state or local housing agencies and community development corporations to offer educational and job training services, leadership training, counseling and other support activities and onsite training in housing rehabilitation or construction work. Youth split their time between the construction site and the classroom, where they earn their GED or high school diploma, learn to be community leaders, and prepare for college and other postsecondary training opportunities.

Contact: Call the Youthbuild programs in Texas: American Youthworks, Austin - (512) 236-6100; HoustonWorks USA, Houston - (713) 654-1919; La Fe Youthbuild Academy, El Paso - (915) 533-6800; New Waverly Youthbuild, New Waverly - (936) 344-6677; and San Antonio Youth Centers, San Antonio - (210) 223-3131. For general Youthbuild information, contact the Department of Labor’s Employment and Training Administration at 1-877-US-2JOBS or visit www.doleta.gov/youth_services

Planning, Regional Services

Neighborhoods often work with surrounding communities to make sure that common issues can be addressed.

Local Councils of Governments

Regional Councils of Governments (COGs) are voluntary associations of local governments formed under Texas Law that address problems and planning needs that cross the boundaries of individual local governments or that require regional attention. Local COGs are responsible for planning for the development of the area, assisting member local governments in implementing regional plans or recommendations, contracting with member local governments for the provision of certain services, reviewing and commenting on applications for state and federal financial assistance and other activities as established by the region. COGs provide a number of services designed to meet the needs of the region including programs that involve aging, community development, criminal justice, economic development, emergency communications, employment and training, health, solid-waste management, transportation, water quality or other services. There are 24 designated planning regions and COGs operating across Texas.

Contact: See Appendix H for a list of COGs. Contact your local COG for more information on services provided by the regional councils.

Rural Development

Certain programs specialize in rural areas to provide services to encourage lively communities.

Community Development Block Grant (CDBG) Program for Rural Texas

The primary objective of the Texas Community Development Block Grant Program is to develop viable communities by providing decent housing and suitable living environments, and expanding economic opportunities for person of low- to moderate-income.

Community Development

Every year, the US Department of Housing and Urban Development (HUD) provides federal Community Development Block Grant funds directly to states, which, in turn, provide the funds to small, rural cities with populations less than 50,000, and to counties that have a non-metropolitan population under 200,000 and are not eligible for direct funding from HUD. These small "non-entitlement" communities must apply for CDBG dollars through the Texas CDBG program. Larger cities, such as Dallas, Houston and others, receive CDBG monies directly from HUD, and are called "entitlement" areas.

The Texas CDBG Program offers various funding components that are available to eligible rural communities and counties throughout Texas.

Colonia Construction Fund, Colonia Planning Fund, and Colonia Economically Distressed Areas Program The Colonia Construction Fund, Colonia Planning Fund and the Colonia Economically Distressed Areas Program Fund are available for water, housing or planning projects in severely distressed unincorporated areas that meet the definition of a colonia. Community Development Fund The Community Development Fund addresses public facilities including sewer and water system improvements, street and drainage improvements and housing needs. Disaster Relief Fund, Urgent Need Fund The Disaster Relief Fund and the Urgent Need Fund provide assistance to communities for recovery from natural disasters or for projects that include activities to address urgent water or sewer infrastructure needs. Planning and Capacity Building Fund The Planning and Capacity Building Fund provides assistance to eligible cities and counties for planning activities that assess local needs, develop strategies to address local needs, build or improve local capacity or that include other needed planning elements. Renewable Energy Demonstration Pilot Program The Renewable Energy Demonstration Pilot Program provides grants to rural communities who use wind power or solar power to help meet energy needs for water and/or wastewater treatment facilities. Small Towns Environment Program Fund The Small Towns Environment Program Fund provides grant assistance for solving water and sewer infrastructure problems with a self-help approach. Texas Capital Fund The Texas Capital Fund, administered by the Texas Department of Agriculture, offers grants for economic development needs by providing infrastructure and real estate improvements in support of businesses willing to create or retain jobs.

Contact: Contact your local city or county or, if in a more rural area, contact the Texas Department of Agriculture’s Office of Rural Affairs at 512-463-6612 or toll free 800-835-5832, or visit http://www.agr.state.tx.us.

Community Facilities Programs

The U.S. Department of Agriculture’s (USDA) Community Facilities Programs provide loans and grants and loan guarantees for water and environmental projects, as well as community facilities projects. Water and environmental projects include water systems, waste systems, solid waste, and storm drainage facilities. Community facilities projects develop essential community facilities for public use in rural areas and may include hospitals, fire protection, safety, as well as many other community-based initiatives. Visit the following sites for information and/or assistance.

Community Development

Community Facilities Direct and Guaranteed Loan Program Community Facilities Programs can make and guarantee loans to develop essential community facilities in rural areas and towns of up to 20,000 in population. Loans and guarantees are available to public entities such as municipalities, counties, parishes, boroughs, and special-purpose districts, as well as to non-profit corporations and tribal governments. Community Facilities Grants Community Facilities Programs provides grants to assist in the development of essential community facilities in rural areas and towns of up to 20,000 in population. Grants are authorized on a graduated scale. Applicants located in small communities with low populations and low incomes will receive a higher percentage of grants. Grants are available to public entities such as municipalities, counties, parishes, boroughs, and special-purpose districts, as well as non-profit corporations and tribal governments. Rural Community Development Initiative To develop the capacity and ability of private, nonprofit community-based housing and community development organizations, and low income rural communities to improve housing, community facilities, community and economic development projects in rural areas.

Contact: Call your local USDA office (see Appendix E) for more information or, for national information, go to http://www.rurdev.usda.gov/ or, for Texas-specific information, http://www.rurdev.usda.gov/tx/.

Rural Innovation Fund Program

The Rural Innovation Fund supports federally-recognized Indian tribes, HFAs, state community and/or economic development agencies, local rural non-profit organizations, and community development corporations to support innovative housing and economic development activities that address the problems of concentrated rural housing distress and community poverty. Category 1 grants address the need for highly targeted projects facing the problem of concentrated rural housing distress and/or community poverty in rural areas. Category 2 grants award funding to federally-recognized Indian tribes to promote economic development and entrepreneurship through activities such as the capitalization of revolving loan programs and business planning and development.

Contact: Call the Office of Economic Development in HUD’s Office of Community Planning and Development at (202) 708-2290 for more information.

Rural Utilities Programs

The USDA Rural Development offers assistance with developing electric, water and telecommunications in rural areas with populations of 10,000 or less.

Electric Programs The Electric Program makes direct loans and loan guarantees to electric utilities to serve customers in rural areas. The loans and loan guarantees finance the construction of electric distribution, transmission, and generation facilities, including system improvements and replacement required to furnish and improve electric service in rural areas. Telecommunication Programs The Telecommunication Programs provides several types of loans to finance rural America's telecommunications infrastructure, including the Broadband Loan Program, the Distance Learning and Telemedicine Program and the Community Connect Grant Program.

Community Development

Water and Environmental Programs The Water and Environmental Programs provide loans, grants and loan guarantees for drinking water and storm drainage facilities in rural areas and cities and towns of 10,000 or less. Public bodies, non-profit organizations and recognized Indian tribes may qualify for assistance.

State Office of Rural Health

Dedicated to serving the health needs of rural Texas, the Texas State Office of Rural Health (SORH), in the Texas Department of Agriculture, works closely with local health care providers, county leaders and state partners to support access to quality health care for rural Texans. SORH works to assist rural health providers through a variety of programs including technical assistance, grants and educational awards that are available to individual clinicians, health care institutions and other organizations.

Texas SORH serves as a coordination, facilitation and grant issuing agency for federal and state programs related to healthcare in rural areas. Major rural health-related programs include health care workforce recruitment and retention, infrastructure assistance and the Rural Hospital Medicare Flexibility Program.

In addition to funding opportunities, the State Office of Rural Health serves as a data clearinghouse for rural health information and provides technical assistance to rural communities.

Contact: The Texas Department of Agriculture’s Texas State Office of Rural Health at (512) 936-6722 or visit http://www.agr.state.tx.us/

Fair Housing and Dispute Resolution

This chapter starts with commonly-requested regulations that can help Texans assist themselves in resolving legal disputes having to do with housing. Following the listing of regulations is a list of state and federal programs that assist individuals with issues of fair housing and resolving Above: TDHCA, as Texas’ lead affordable housing-related disputes. These referrals do not address laws concerning housing agency, is committed to fair housing boarding houses or motels, or commercial tenancies, although some of the choice legal concepts may be applicable.

Why are you using this Program Guide? Please let us know at: http://www.surveymonkey.com/s/ProgramGuide2013

Commonly-Requested Regulations Listed below are links to regulations that Texas’ can use to help themselves navigate the law and understand their rights. Fair Housing Texas Property Code, Title 15: Fair Housing Practices, Chapter 301: Texas Fair Housing Act http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.301.htm Homeowner/Contractor Disputes Texas Property Code, Title 4: Actions and Remedies, Chapter 27: Residential Construction Liability http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.27.htm Texas Property Code, Title 4: Actions and Remedies, Chapter 28: Prompt Payment to Contracts and Subcontractors http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.28.htm Homeowner/Homeowner Association Disputes Texas Property Code, Title 11: Restrictive Covenants, Chapter 204: Power of Property Owners’ Association Relating to Restrictive Covenants in Certain Subdivisions http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.204.htm Texas Property Code, Title 11: Restrictive Covenants, Chapter 207: Disclosure of Information by Property Owners’ Associations http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.207.htm Texas Property Code, Title 11: Restrictive Covenants, Chapter 209: Texas Residential Property Owners Protection Act http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.209.htm Landlord/Tenant Disputes Texas Property Code, Title 8: Landlord and Tenant, Chapter 91: Provisions Generally Applicable to Landlords and Tenants http://www.statutes.legis.state.tx.us/Docs/PR/htm/PR.91.htm Texas Property Code, Title 8: Landlord and Tenant, Chapter 92: Residential Tendencies http://www.statutes.legis.state.tx.us/SOTWDocs/PR/htm/PR.92.htm

Fair Housing and Dispute Resolution

Fair Housing Disputes If there has been a fair housing violation, the organizations may be able to guide a person through the process for filing a complaint or correcting the violation. Austin Human Rights Commission The commission is responsible for securing for all individuals in the city freedom from discrimination because of race, color, disability, religion, sex, national origin, sexual orientation, gender identity or age. The primary goal of the seven commission members is to promote and enforce fair treatment of all individuals in the areas of employment, housing and public accommodations. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Contact: Austin Human Rights Commission 2006 East 4th Street Austin, Texas 78702 (512) 974-3251 http://www.austintexas.gov/ Austin Tenant’s Council The Austin Tenants’ Council (ATC) protects tenants’ rights and educates the community on fair housing. ATC’s vision is to make Travis County communities open to all without discrimination and free of landlord-tenant disputes. Operating under the philosophy that everyone has a right to safe, decent, fair, and affordable housing, the Austin Tenants’ Council fulfills thousands of requests each year for help with housing problems. ATC programs focus on housing discrimination; tenant-landlord education and information; and housing repair and rehabilitation. ATC will work with residents of the City of Austin and Travis County. Contact: Austin Tenants Council 1640-B East 2nd Street Austin, TX 78702 (512) 474-1961 http://www.housing-rights.org City of Corpus Christi Department of Human Relations The City of Corpus Christi Department of Human Relations’ mission is to conduct and enforce a positive program of non-discrimination, within the City of Corpus Christi, and to make reports and recommendations to the City Council and others, toward the betterment of group and inter-group relationships within the community, or for handling any specific problem falling under the purview of the Human Relations Office. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Contact: City of Corpus Christi Department of Human Relations 1201 Leopard St Corpus Christi, TX 78401-2825 (361) 826-3190 http://www.cctexas.com/humanrelations/ City of Dallas Fair Housing Office The city of Dallas’ Fair Housing Office’s mission is to promote and preserve housing choice without regard to race, color, religion, sex, national origin, handicap, familial status or sexual orientation; and to promote and preserve equal employment and public accommodations without regard to sexual orientation. Services provided include, discrimination complaint intake, investigate and enforce discrimination complaints, conciliation and mediation, fair housing training, approve and monitor Affirmative Fair Housing Marketing Plans, provide a Government-assisted

Fair Housing and Dispute Resolution

Affordable Housing List, and provide a Housing and Disability Resource Guide. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Contact: City of Dallas Fair Housing Office 1500 Marilla Room 1B North Dallas, TX 75201 (214) 670-3247 http://www.dallascityhall.com City of Garland Office of Housing and Neighborhood Services The vision of Garland Fair Housing Services is for everyone to have the opportunity to enjoy his or her home and community as a fundamental human concept, free from discrimination. We strive to emphasize the rich cultural diversity of our citizens. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Contact: City of Garland 200 N. Fifth Street Garland, TX 75040 (972) 205-3300 http://www.ci.garland.tx.us Dallas Housing Crisis Center The Housing Crisis Center (HCC) opened its doors in 1978 as the Dallas Tenants' Association, dedicated to educating the public in the area of housing rights. Since then, HCC has grown to provide not only pro-bono legal services for our neighbors in Dallas County, but also short- and long-term transitional shelter as well as permanent supportive housing and emergency financial assistance. Services provided are from legal help to employment assistance to housing to child care. Contact: Housing Crisis Center 4210 Junius Street Dallas, TX 75246 (214) 828-4244 www.hccdallas.org Fair Housing Council of Greater San Antonio The Fair Housing Council of Greater San Antonio is a private, non-profit 501(c)(3) corporation dedicated to promoting fair housing and eliminating discriminatory housing practices in the areas of rental housing, real estate sales, mortgage lending, and homeowners’ insurance. With funding under HUD’s Fair Housing Initiatives Program, the Council has maintained its Main Office in San Antonio, Texas (in Bexar County), opened a Field Office in McAllen, Texas (in Hidalgo County), and expanded its service area to include the following South Texas counties: Atascosa, Bandera, Bexar, Brooks, Cameron. Comal, Dimmit, Duval, Edwards, Frio, Gillespie, Gonzales, Guadalupe, Hidalgo, Jim Hogg, Jim Wells, Karnes, Kendall, Kenedy, Kerr, Kinney, La Salle, Live Oak, Maverick, McMullen, Medina, Real, Starr, Uvalde, Val Verde, Webb, Willacy, Wilson, Zapata, and Zavala. Contact: Fair Housing Council of Greater San Antonio 4414 Centerview Drive, Suite 229 San Antonio, TX 78228 (210) 733-6670 (866) 733-4953 http://www.myfairhousing.org/

Fair Housing and Dispute Resolution

Fair Housing Assistance Program The Fair Housing Assistance Program (FHAP) awards fair housing grants to government entities and local fair housing enforcement agencies that have fair housing laws substantially equivalent to the Fair Housing Act. Activities funded through FHAP must help protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Eligible activities may include complaint processing, training, implementation of data and information systems or other special projects. Contact: Agencies participating in the Fair Housing Assistance Program, including the Texas Workforce Commission; the Austin Human Rights Commission; the City of Corpus Christi Department of Human Relations; the City of Dallas Fair Housing Office; the Fort Worth Human Relations Commission; and the Garland Office of Housing and Neighborhood Services. All these organization’s contact information is in this chapter. For information from HUD on its FHIP program, contact the Fort Worth Regional Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, 801 Cherry Street, 27th Floor, P.O. Box 2905, Fort Worth, Texas 76113-2905, (817) 978-5900, 1-800-669-9777, http://www.hud.gov/offices/fheo. Fair Housing Initiatives Program HUD’s Fair Housing Initiatives Program (FHIP) funds state and local governments, fair housing enforcement organizations and nonprofit organizations that provide assistance to individuals who have been victims of housing discrimination. Services offered through FHIP grantees includes the preliminary investigation of claims, the investigation of properties suspected of practicing housing discrimination and the identification of government agencies that can assist individuals with complaints. FHIP also contains four programs that promote fair-housing laws and equal-housing-opportunity awareness. Contact: Agencies participating in the Fair Housing Initiatives Program, include Austin Tenants Council, Greater Houston Fair Housing Center, Inc, Houston Area Urban League, North Texas Fair Housing Center and San Antonio Fair Housing Council, Inc. All these organization’s contact information is in this chapter. For information from HUD on its FHIP program, contact the Fort Worth Regional Office of Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, 801 Cherry Street, 27th Floor, P.O. Box 2905, Fort Worth, Texas 76113-2905, (817) 978-5900, 1-800-669-9777, http://www.hud.gov/offices/fheo. Fort Worth Human Relations Commission The City of Fort Worth Human Relations Unit (HRU) provides information and services related to basic human rights, including enforcement of the City's anti-discrimination ordinance and federal housing, employment and accommodation laws. It also provides staff support to the city council-appointed Human Relations Commission. Additionally, the HRU strives to help create a welcoming community for all people by providing resources and outreach efforts that promote basic human rights and facilitate harmonious relationships among Fort Worth’s diverse population. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing. Contact: Fort Worth Human Relations Commission 818 Missouri Ave. Fort Worth, TX 76104 http://fortworthtexas.gov/humanrelations/ Greater Houston Fair Housing Center, Inc This organization is funded through HUD’s Fair Housing Initiatives Program to provide services that include the preliminary investigation of claims, the investigation of properties suspected of practicing housing discrimination and the identification of government agencies that can assist individuals with complaints. Contact: Greater Houston Fair Housing Center P.O. Box 292 Houston, TX 77001 63

Fair Housing and Dispute Resolution

713-641-3247 Houston Area Urban League The Houston Area Urban League and the Houston Volunteer Lawler Program have partnered to advocate and provide direct assistance to victims of fair housing and fair lending laws. The former will conduct group outreach and education as well as individual housing counseling and the latter will handle fair housing rights issues. This organization is funded through HUD’s Fair Housing Initiatives Program to provide services that include the preliminary investigation of claims, the investigation of properties suspected of practicing housing discrimination and the identification of government agencies that can assist individuals with complaints. Contact: Houston Area Urban League 1301 Texas Houston, TX 77002 713-393-8732 http://www.haul.org/ North Texas Fair Housing Center North Texas Fair Housing Center is a non-profit organization dedicated to eliminating housing discrimination in North Texas. Our counseling, discrimination complaint investigation and educational programs are provided free of charge to the community. This organization is funded through HUD’s Fair Housing Initiatives Program to provide services that include the preliminary investigation of claims, the investigation of properties suspected of practicing housing discrimination and the identification of government agencies that can assist individuals with complaints. Contact: North Texas Fair Housing Center 8625 King George Drive, Suite 130 Dallas, TX 469-941-0383 http://www.northtexasfairhousing.org Non-Discrimination in Federally-Funded Housing HUD prevents discrimination in federally-funded housing. No otherwise qualified individual with a disability shall, solely by reason of his or her disability, be excluded from the participation in, be denied the benefits of or be subjected to discrimination under any program or activity receiving federal financial assistance. Federal law prohibits discrimination on the basis of race, color or national origin in all HUD-assisted programs. Federal law also prohibits discrimination on the basis of race, color, national origin, disability, age, religion or sex within Community Development Block Grant programs or activities. The Age Discrimination Act prohibits discrimination on the basis of age in programs or activities receiving federal financial assistance. Contact: For complaints regarding housing discrimination in federally-funded housing, call the HUD Regional Fort Worth Office’s Housing Discrimination Hotline at 1-888-560-8913. Texas Workforce Commission The Texas Workforce Commission Civil Rights Division (TWCCRD) is ready to help with any problem of housing discrimination. If you think your rights have been violated, you may write a letter or telephone the TWCCRD. If, after investigating your complaint, the TWCCRD finds reasonable cause to believe that discrimination occurred, it will inform you. Additionally your complaint will be referred to the TWCCRD's office of General Council for additional action(s). If, after investigating your complaint, the TWCCRD finds no reasonable cause to believe the law had been violated you will be notified in writing. Additionally, you will be informed of your right to file suit at your expense, in Federal or State District Court within two years of the alleged violation. This organization receives funding through HUD’s Fair Housing Assistance Program to protect families and individuals who believe they have been victims of discrimination in the sale, rental or finance of housing.

Fair Housing and Dispute Resolution

Contact: Texas Workforce Commission Civil Rights Division 1117 Trinity Street, Rm. 144-T Austin, Texas 78701 (888) 452-4778 or (512) 463-2642 http://www.twc.state.tx.us/crd/housing_fact.html Mortgage/Financial Institution Disputes Listed below are organizations which may be able to help mediate or clarify the law between homeowners and financial institutions, such as banks or credit unions. Office of Consumer Credit Commission The mission of the Office of Consumer Credit Commissioner (OCCC) is to regulate the credit industry and educate consumers and creditors, thereby producing a fair, lawful and healthy credit environment for social and economic prosperity in Texas. OCCC regulates home equity loans, secondary mortgages, home improvement loans, motor vehicle sales financing, pawnshop transactions, signature loans, payday loans, consumer installment loans and retail credit accounts. Contact: Office of Consumer Credit Commissioner 2601 N. Lamar Blvd. Austin, Texas 78705 (512) 936-7640 (800) 538-1579 http://www.occc.state.tx.us/ Texas Department of Banking The Texas Banking Department serves the consumers of the state by attempting to mediate and resolve complaints with the entities under its supervision. The Department of Banking has the authority to handle complaints about the following types of entities: banks and holding companies; foreign banks; trust companies; money services businesses; prepaid funeral contracts; perpetual care cemeteries; and private child support enforcement agencies. Contact: Texas Department of Banking 2601 North Lamar Boulevard Austin, Texas 78705-4294 (512) 475-1300 877 276-5554 http://www.banking.state.tx.us/ Texas Savings and Mortgage Lending The Texas Savings and Mortgage Lending Department, formerly the Texas Savings and Loan Department, regulates State Chartered Savings Banks with assets over $9 million and most mortgage brokers, loan officers and mortgage banking companies. Its mission is to ensure the safety and soundness of Texas chartered savings institutions and provide a stable, responsible and compliant system of mortgage brokers, mortgage bankers and savings institutions to support the residential housing and real estate finance needs of the Texas economy while protecting consumer interests. Consumers have the right to file a complaint against a State Chartered Savings Bank, mortgage broker or mortgage banker if they feel they have been wronged regarding financial dealings and or transactions. Contact: Texas Savings and Mortgage Lending 2601 North Lamar, Suite 201 Austin, Texas 78705 (512) 475-1350 1-877-276-5550 http://www.sml.texas.gov/

Fair Housing and Dispute Resolution

Texas Real Estate Commission The Texas Real Estate Commission (TREC) is the state agency responsible for licensing real estate professionals in Texas. The Texas Real Estate Commission accepts written and signed complaints against the following types of businesses: real estate brokers and salespersons, real estate inspectors, TREC-approved education providers for real estate and inspection courses, residential service companies, timeshare developers, Easement or Right-of-Way agents and unlicensed persons engaging in any of the above activities. Contact: Texas Real Estate Commission 1101 Comino La Costa Austin, TX 78752 (512) 459-6544 http://www.trec.state.tx.us/ Texas Department of Licensing and Regulation The Texas Department of Licensing and Regulation is responsible for the regulation of 22 occupations and industries. The Department of Licensing and Regulation will handle complaints about the construction work associated with air conditioning, architectural barriers, boilers, elevators, escalators and related equipment; industrialized housing and building, water well pump installation; and weather modification services. The Department of Licensing and Regulation will also take complaints on the auctioneer recovery fund, auctioneers, barbers, combative sports, cosmetologists, court interpreters, discount health care card programs, legal service contracts, personnel employment services, property tax consultants, registered accessibility specialists, rental purchase agreements, service contract providers, staff leasing services, talent agencies, temporary common workers, tow trucks, vehicle protection providers, vehicle storage facility and water well drillers. Contact: Texas Department of Licensing and Regulation 920 Colorado Austin, Texas, 78701 (512) 463-6599 800-803-9202 http://www.license.state.tx.us/ Texas Department of Insurance The Department of Insurance provides information and advice for the business community, professionals and consumers. The Department of Insurance helps to resolve insurance-related complaints. Other services to the public include educational materials; conducting windstorm inspections; licensing insurance agents/agencies and adjusters; licensing insurance companies and health maintenance organizations (HMOs); certifying utilization review agents (URAs), independent review organizations (IROs), workers' compensation networks and assigning requests to IROs; registering viatical and life settlement entities; financial monitoring and intervention; assuring fair and efficient regulation; enforcing insurance laws; combating insurance fraud; fire prevention, fire safety and fire industry regulation; and regulating and administering the Texas workers' compensation system Contact: Consumer Help Line/Consumer Assistance can be reached at 800-252-3439. http://www.tdi.state.tx.us/ HUD-Approved Housing Counselors For consumers that need advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages, HUD sponsors housing counseling agencies throughout the country to provide free or low cost advice.

Foreclosure prevention counseling and homeless counseling services are available free of charge through HUD's Housing Counseling Program. Housing Counseling agencies participating in HUD's Housing Counseling Program are not permitted to charge consumers for these specific housing counseling services. Counseling recipients should not pay for these services. However, housing counseling agencies are permitted to charge reasonable and customary

Fair Housing and Dispute Resolution

fees for other forms of housing counseling and education services, including pre-purchase, reverse mortgage, rental, and non-delinquency post-purchase counseling services, provided certain conditions are met:

• Agencies must provide counseling without charge to persons who demonstrate they cannot afford the fees; • Agencies must inform clients of the fee structure in advance of providing services; • Fees must be commensurate with the level of services provided. Contact: For advice on renter or homeownership issues, contact a HUD-approved housing counselor by calling (800) 569-4287 or going online at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm. U.S. Office of the Comptroller of the Currency

The U.S. Office of the Comptroller of the Currency's primary mission is to charter, regulate, and supervise all national banks. It supervises the federal branches and agencies of foreign banks. Its goal in supervising banks is to ensure that they operate in a safe and sound manner and in compliance with laws requiring fair treatment of their customers and fair access to credit and financial products.

In July 2007, the Office of the Comptroller of the Currency launched www.HelpWithMyBank.gov to assist customers of national banks, including customers with a mortgage or customers going through foreclosure. HelpWithMyBank.gov provides answers to common National Banking questions. If a consumer has a complaint about a national bank, the site also provides a means to filing that complaint online.

Contact: Office of the Comptroller of the Currency 1-800-613-6743 www.HelpWithMyBank.gov

Legal Advice Listed below are organizations give free legal advice, which may include advice on housing disputes or fair housing violations. Consumer Protection Information The Attorney General is prohibited from offering legal advice or representing private individuals. However, the Office of the Attorney General serves as a dispute resolution entity in an effort to combat illegal and deceptive trade practices. The Attorney General accepts complaints through the Consumer Protection Hotline and may attempt to resolve the dispute or file a lawsuit on behalf of the public’s interest. This service may be useful for individuals who have a complaint regarding housing repair services, housing inspection services, manufactured housing lenders or builders, home builders or other housing-related issues. Contact: Office of the Attorney General PO Box 12548 Austin, TX 78711-2548 (512) 463-2100 1-800-252-8011 http://www.oag.state.tx.us

Dallas Bar Association

Fair Housing and Dispute Resolution

A free legal hotline is available on the 2nd and 3rd Wednesday of the month from 5:30 pm – 8:00 pm. Contact: Dallas Bar Association (214) 220-7476 http://www.dallasbar.com/

Houston Bar Association The Houston Bar Association has a free legal hotline the 1st and 3rd Wednesday of the month from 5:00 pm – 9:00 pm. Contact: Houston Bar Association (800) 289-4577 http://www.hba.org/ Local Legal Aid Services Local legal aid organizations provide civil legal representation and advice at little or no cost to low-income individuals who cannot afford a lawyer. Legal aid focuses on legal issues relating to basic needs, self-sufficiency, children and families, elderly and disability and housing and homelessness prevention. Housing and homelessness cases may include housing discrimination, housing condition and safety issues, landlord/tenant disputes, home repair and weatherization problems, issues involving federally subsidized housing and housing loss problems. Legal aid does not generally handle criminal cases. Contact: See Appendix I for contact information on legal aid organizations in your area. State Bar of Texas The State Bar offers services to the public as well as to attorney members. Public services include a lawyer referral service and search engine, online legal information, research, consumer information and education for schools and teachers. The State Bar also accepts complaints against lawyers. The State Bar publishes a variety of consumer information brochures and pamphlets to help educate the public about legal issues, including tenant/homeowner issues. Contact: Texas Law Center 1414 Colorado Street Austin, Texas 78701 (512) 463-1463 1-800-204-2222 http://www.texasbar.com Tenant/Landlord Disputes Listed below are organizations which may be able to help mediate or clarify the law between tenants and landlords. If there has been a fair housing violation, the organizations may be able to guide a person through the process for filing a complaint or correcting the violation. Austin Tenant’s Council The Austin Tenants’ Council (ATC) protects tenants’ rights and educates the community on fair housing. ATC’s vision is to make Travis County communities open to all without discrimination and free of landlord-tenant disputes. Operating under the philosophy that everyone has a right to safe, decent, fair, and affordable housing, the Austin Tenants’ Council fulfills thousands of requests each year for help with housing problems. ATC programs focus on housing discrimination; tenant-landlord education and information; and housing repair and rehabilitation. ATC will work with residents of the City of Austin and Travis County. Contact: Austin Tenants Council 1640-B East 2nd Street

Fair Housing and Dispute Resolution

Austin, TX 78702 (512) 474-1961 http://www.housing-rights.org

Dallas Housing Crisis Center The Housing Crisis Center (HCC) opened its doors in 1978 as the Dallas Tenants' Association, dedicated to educating the public in the area of housing rights. Since then, HCC has grown to provide not only pro-bono legal services for our neighbors in Dallas County, but also short- and long-term transitional shelter as well as permanent supportive housing and emergency financial assistance. Services provided are from legal help to employment assistance to housing to child care. Contact: Housing Crisis Center 4210 Junius Street Dallas, TX 75246 (214) 828-4244 www.hccdallas.org Houston Tenants’ Council Funded through HUD’s Fair Housing Initiatives Program to provide services that include the preliminary investigation of claims, the investigation of properties suspected of practicing housing discrimination and the identification of government agencies that can assist individuals with complaints. The Tenants’ Council of Houston has a website with information for tenants throughout the state of Texas. Contact: Tenants’ Council of Houston http://www.houstontenants.org/ Tarrant County Bar Legal Hotline A free legal hotline is available on the 2nd and 4th Thursday of the month from 6:00 pm – 8:00 pm. Contact: Tarrant County Bar Legal Hotline (817) 335-1239. Tenants Rights Handbook The State Bar of Texas offers the Tenant’s Rights Handbook which is designed to assist residential tenants in their search for answers to actual legal problems. Contact: http://www.texasbar.com/Content/NavigationMenu/ForThePublic/FreeLegalInformation/ConsumerTenantRig hts/Tenants'RightsHandbook.pdf Texas Tenant Advisor The Texas Tenant Advisor is a website that is intended to provide residential tenants of Texas with general information. The website does not have sufficient resources to help tenants individually. Because the law constantly changes and each situation is unique, the Texas Tenant Advisor does not warrant or guarantee that the information on this website is current or applicable to each renter’s situation. Contact: Texas Tenant Advisor http://texastenant.org/

Texas Tenants Union

Fair Housing and Dispute Resolution

The Texas Tenants’ Union is a nonprofit tenants’ rights organization. They empower tenants through education and organizing to protect their rights, preserve their homes, improve their living conditions and enhance the quality of life in their communities. The Texas Tenants’ Union offers workshops, counseling and written materials. Contact: Texas Tenants Union 4228 Main Street Dallas, TX 75226 (214) 823-2733 http://www.txtenants.org/ HUD-Approved Housing Counselors For consumers that need advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages, HUD sponsors housing counseling agencies throughout the country to provide free or low cost advice. Foreclosure prevention counseling and homeless counseling services are available free of charge through HUD's Housing Counseling Program. Housing Counseling agencies participating in HUD's Housing Counseling Program are not permitted to charge consumers for these specific housing counseling services. Counseling recipients should not pay for these services. However, housing counseling agencies are permitted to charge reasonable and customary fees for other forms of housing counseling and education services, including pre-purchase, reverse mortgage, rental, and non-delinquency post-purchase counseling services, provided certain conditions are met: • Agencies must provide counseling without charge to persons who demonstrate they cannot afford the fees; • Agencies must inform clients of the fee structure in advance of providing services; • Fees must be commensurate with the level of services provided. Contact: For advice on renter or homeownership issues, contact a HUD-approved housing counselor by calling (800) 569-4287 or going online at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Research and Funding Opportunities

Information related to housing research is available from a number of sources. The following list provides some common sources containing affordable housing research, publications and related statistics. Also included is a source for information on funding opportunities. Above: There are many sources to help with research and funding Why are you using this Program Guide? Please let us know at: http://www.surveymonkey.com/s/ProgramGuide2013

The Center for Housing Policy The Center for Housing Policy is the research affiliate of the National Housing Conference. The Center works to broaden understanding of America’s affordable housing challenges and examines the impact of policies and programs developed to address these needs. Combining research and practical, real-world expertise, the Center lays the groundwork for the development of concrete and politically viable policies and programs that can be used to promote affordable housing across the country. http://www.nhc.org/housing/chp-index Housing Assistance Council The Housing Assistance Council (HAC) is a national organization that emphasizes local solutions, empowerment and self-help strategies. HAC assists in the development of both single- and multi-family homes and promotes homeownership for working low-income rural families through the self-help, "sweat equity" construction method. HAC offers services to public, nonprofit, and private organizations throughout the rural United States. http://www.ruralhome.org/ Housingonline.com Housingonline.com is the National Housing & Rehabilitation Association's (NH&RA) web site for developers, financiers, professionals and consultants in the affordable housing and historic rehabilitation businesses. http://www.housingonline.com/ The Joint Center for Housing Studies The Joint Center for Housing Studies is Harvard University's center for information and research on housing in the United States. The Joint Center analyzes the dynamic relationships between housing markets and economic, demographic and social trends, providing leaders in government, business and the nonprofit sector with the knowledge needed to develop effective policies and strategies. http://www.jchs.harvard.edu KnowledgePlex KnowledgePlex is designed to support the efforts of practitioners, grantors, policy makers, scholars, investors and others involved or interested in the fields of affordable housing and community development. http://www.knowledgeplex.org

Research and Funding Opportunities

Local Initiatives Support Corporation Local Initiatives Support Corporation (LISC) helps resident-led, community-based development organizations transform distressed communities and neighborhoods into healthy ones. The LISC Online Resource Library contains in-depth information resources and distance learning opportunities for community development practitioners. http://www.lisc.org/ National Low Income Housing Coalition The National Low Income Housing Coalition (NLIHC) is dedicated to ending America’s affordable housing crisis. NLIHC works to achieve its mission, goals and objectives by working in four program areas: public education organizing, research and policy advocacy. http://www.nlihc.org/ NeighborWorks America NeighborWorks delivers many of its community-focused programs and services through the national NeighborWorks network – 235 independent, community-based nonprofit organizations serving more than 4,500 communities nationwide. More than one-third of these organizations serve rural communities. Together with its national and local partners, NeighborWorks provides grants, programmatic support, training and technical assistance to its national network. http://www.nw.org Real Estate Center The Real Estate Center is the nation's largest publicly-funded organization devoted to real estate research. Most of its $2 million in annual funding comes from real estate license fees paid by more than 100,000 professionals. A nine- member advisory committee provides research guidance and approves the budget. The Real Estate Center's staff conducts research on financial, socioeconomic, public policy, trade, legal, land use and local market analysis issues related to real estate. http://recenter.tamu.edu/ State Grants The State Grants Team, as a division of the Office of the Governor, alerts entities throughout Texas about funding opportunities. For more information on grant opportunities in Texas, contact the State Grants Team. The State Grants Team provides technical assistance and information about grant opportunities offered by federal, state and private resources. Although the team does not administer funding directly, the division releases information about available grants, offers proposal writing and training workshops and provides proposal writing support. Services are available to state legislators, state agencies, all subdivisions of government, nonprofit agencies and individuals. http://www.governor.state.tx.us/grants Texas eGrants Application The general public can use the eGrants website to search for and view competitive funding announcements available through most Texas state agencies. http://www.texasonline.state.tx.us/tolapp/egrants/search.htm

Research and Funding Opportunities

Texas Low Income Housing Information Service The Texas Low Income Housing Information Service (TxLIHIS) supports low-income Texans' efforts to achieve the American dream of a decent, affordable home in a quality neighborhood. They carry out their mission by researching and evaluating low-income housing and community development programs, needs and issues to discover solutions; providing information about low-income housing and community programs, needs and issues to promote public understanding and support; and organizing and empowering low-income people and communities to take the initiative to solve their housing and community development problems. http://www.texashousing.org Texas Information and Referral Network The Texas Information and Referral Network was designated by the Texas Legislature as the program at the Texas Health and Human Services Commission responsible for the development, coordination and implementation of a statewide information and referral network. The statewide network was created from existing community-based information and referral services. http://www.helpintexas.com Texas State Data Center and Office of the State Demographer The Texas State Data Center and Office of the State Demographer, in cooperation with a network of affiliates, functions as a focal point for the distribution of Census information for Texas. The Center also disseminates population estimates and projections for Texas, as well as other information from the federal government, state government and other sources. http://txsdc.utsa.edu U.S. Census Bureau The Census Bureau conducts many important censuses and surveys. The most well-known is the official population census of the United States, called the Decennial Census. It is conducted every ten years, most recently in 2010. Besides the Decennial Census, the Census Bureau conducts nearly one hundred other surveys and censuses every year. http://factfinder.census.gov United Way The mission of United Way is to improve people's lives by mobilizing the caring power of communities. Use the United Way website to search for your local United Way. The United Way may be able to refer households to local nonprofit organizations that offer assistance programs. http://liveunited.org

Appendix A

HUD Office Location in Texas Appendixes

A: HUD Office Locations in Texas

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For information on programs offered by the U.S. Department of Housing and Urban Development (HUD), contact a local HUD office location.

Fort Worth HUD Regional office Houston HUD Field office 801 Cherry Street, Unit #45 1301 Fannin, Suite 2200 Suite 2500 Houston, TX 77002 Fort Worth, TX 76102 (713) 718-3199 (817) 978-5965 Lubbock HUD Field office Dallas HUD Field office George H Mahon Federal Office Building A Maceo Smith Federal Office Building 1205 Texas Avenue, Suite 511 525 Griffin Street, Suite 860 Lubbock, TX 79401 Dallas, TX 75202 (806) 472-7265 (214) 767-8300 San Antonio HUD Field office One Alamo Center, Suite 405 106 South St. Mary’s Street San Antonio, TX 78205 (210) 475-6806

Other HUD Resources

The following toll-free telephone numbers and web sites are maintained by HUD.

HUD FHA Resource Center: (800) 543-9378 http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr

The HUD Homeownership Center located in Denver, Colorado, serves the state of Texas and provides information on FHA mortgages and oversees the sale of HUD Homes.

HUD Housing Counseling and Referral Line: (800) 569-4287 http://portal.hud.gov/hudportal/HUD?src=/i_want_to/talk_to_a_housing_counselor

The Housing Counseling Clearinghouse refers prospective homebuyers, as well as current homeowners and renters, to local housing counseling agencies.

HUD Multifamily Housing Clearinghouse: (800) 685-8470 http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/mfh/hc/mfhc

The Multifamily Housing Clearinghouse provides information on multifamily programs offered through HUD and assists with tenant rights issues and complaints regarding HUD-financed properties.

Appendix A

HUD Office Locations in Texas

HUD Public and Indian Housing Information and Resource Center: (800) 955-2232 http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing

The office of Public and Indian Housing Information and Resource Center is staffed to answer questions/inquiries from the public and PHAs regarding public housing and housing choice voucher programs and regulations.

Housing Discrimination Hotline: (800) 669-9777 (National), (888) 560-8913 (Texas) http://portal.hud.gov/hudportal/HUD?src=/topics/housing_discrimination

HUD’s Housing Discrimination Hotline provides information regarding fair housing rights and responsibilities and accepts housing discrimination complaints.

HUD Inspector General Hotline: (800) 347-3735 http://www.hud.gov/offices/oig/hotline/index.cfm

The Inspector General Hotline accepts complaints concerning fraud, waste and abuse in HUD programs and operations. Complaints against housing authorities may also be reported to this number.

Appendix B

Participating Jurisdictions B: Local Participating Jurisdictions

A participating jurisdiction (PJ) is a state or local government that has been designated by the U.S. Department of Housing to administer federal HOME funds. Most large cities and highly populated counties are PJs and such departments administer various housing programs.

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Cities (Counties are below)

City of Abilene Department of Planning City of Bryan Department of Community Development Services Development Services 555 Walnut Street 405 W 28th Street Abilene, TX 79604 Bryan, TX 77803 (325) 676-6237 (979) 209-5175

City of Amarillo Department of Community City of College Station Department of Development Community Development 509 SE 7th Avenue 1101 Texas Avenue Amarillo, TX 79101 College Station, TX 77840 (806) 378-3098 (979) 764-3778

City of Arlington Department of Community City of Conroe Department of Community Development & Planning Development Block Grants 101 W. Abram Street 300 West Davis Arlington, TX 76004 Conroe, TX 77301 (817) 459-6650 (936) 522-3000

City of Austin Neighborhood Housing & City of Corpus Christi Community Community Development Development 1000 E. 11th Street, Second Floor 1201 Leopard Austin, TX 78702 Corpus Christi, TX 78401 (512) 974-3100 (361) 826-3186

City of Baytown Department of Planning and City of Dallas Department of Housing Development Services 1500 Marilla, Room 6D North 2401 Market Street Dallas, TX 75201 Baytown, TX 77520 (214) 670-5988 (281) 420-5394 City of Denton Community Development City of Beaumont Department of Community Division Development 601 E. Hickory St., Suite B 801 Main Street, Suite 210 Denton, TX 76205 Beaumont, TX 77701 (940) 349-7726 (409) 880-3732 City of Brownsville Department of Planning & Community Development 1150 E Adams Street Brownsville, TX 78520 (956) 548-6150

Appendix B

Participating Jurisdictions City of El Paso Department of Community & City of Killeen Department of Community Human Development Development Division Two Civic Center Plaza 802 N. 2nd Street City Hall, Eighth Floor Killeen, TX 76541 El Paso, TX 79901 (254) 501-7842 (915) 541-4643 City of Laredo Department of Community City of Fort Worth Department of Housing & Development Economic Development 1301 Farragut Street Transit Center 1000 Throckmorton Street 3rd Floor East Wing Fort Worth, TX 76102 Laredo, TX 78040 (817) 392-7540 (956) 795-2675

City of Galveston Department of Grants & City of League City Department of Planning Housing 305 East Main Street 823 Rosenburg League City, TX 77573 Galveston, TX 77553 (281) 554-1080 (409) 797-3820 City of Longview Department of Housing & City of Garland Department of Grants & Community Development Neighborhood Development 1202 N. 6th Street 222B Carver Drive Longview, TX 75601 Garland, TX 75040 (903) 237-1235 (972) 205-33310 City of Lubbock Department of Community City of Grand Prairie Department of Housing Development & Neighborhood Services 1611 10th Street 205 West Church Street Lubbock, TX 79401 Grand Prairie, TX 75053 (806) 775-2301 (972) 237-8040 City of McAllen Department of Community City of Harlingen Department of Community Development Development 1300 Houston Avenue 502 East Tyler McAllen, TX 78501 Harlingen, TX 78551 (956) 681-1000 (956) 216-5180 City of Odessa Department of Community City of Houston Department of Housing & Development Community Development 119 W. 4th Street #104 601 Sawyer Street #400 Odessa, TX 79761 Houston, TX 77007 (432) 335-4820 (713) 868-8300 City of Orange Department of Planning & City of Irving Department of Housing and Community Development Human Services 303 8th Street 825 Irving Blvd Orange, TX 77630 Irving, TX 75060 (409) 883-1034 (972) 721-4800 City of Pasadena Department of Community Development 1211 Southmore Avenue Pasadena, TX 77502 (713) 475-7243 77

Appendix B

Participating Jurisdictions City of Plano Department of Planning City of Tyler Department of Neighborhood 1520 K Avenue #250 Services Plano, TX 75074 900 West Gentry Parkway (972) 941-7151 Tyler, TX 75702 (903) 531-1303 City of Port Arthur Department of Community Development City of Waco Department of Housing & 444 4th Street Community Development Port Arthur, TX 77640 300 Austin Avenue (409) 983-8259 PO Box 2570 Waco, TX 76702 City of San Angelo Department of Community (254) 750-5600 Development PO Box 1751 City of Wichita Falls Department of San Angelo, TX 76902 Neighborhood Resources (325) 657-4274 1300 7th Street PO Box 1431 City of San Antonio Department of Housing Wichita Falls, TX 76301 & Community Development (940) 761-7448 1400 S. Flores San Antonio, TX 78204 (210) 207-6620

City of Sugarland 2700 Town Center Blvd. North Sugar Land, TX 77479 (281) 275-2700

Appendix B

Participating Jurisdictions Counties (Cities are above)

County of Bexar Community Development County of Hidalgo Urban County Program Programs 1916 Tesoro Blvd., Second Floor 233 N. Pecos, Ste. 590 Pharr, TX 78577 San Antonio, TX 78207 (956) 787-8127 (210) 335-3666 County of Montgomery Department of County of Brazoria Government Service Community Development Agency 504 N Thompson Street #200 111 E. Locust Street Conroe, TX 77301 Angleton, TX 77515 (936) 538-8060 (979) 864-1960 County of Tarrant Community Development County of Dallas Department of Planning & & Housing Division Development 1509-b S. University Drive, Suite 276 411 Elm Street, Suite 250 Fort Worth, TX 76107 Dallas, TX 75202 (817) 850-7940 (214) 653-6884 Dallas County Home Loan Counseling Center County of Fort Bend Department of 2377 N. Stemmons Freeway, #724 Community Development Dallas, TX 75207 309 S. 4th Street, Suite 602 (214) 819-6060 Richmond, TX 77469 (281) 341-4410 Washington County Home Consortium 1706 E. 29th Street County of Harris Housing & Community Bryan, TX 77805 Development Department (979) 595-2800 8410 Lantern Point Drive Houston, TX 77054 (713) 578-2000

Appendix C

Public Housing Authorities

C: Public Housing Authorities

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Abilene Housing Authority Anderson County Housing Authority 534 Cypress Street, Suite #200 109 Parker Street Abilene, TX 79601 Elkhart, TX 75839 (325) 676-6385 (903) 764-5696

Alamo Area Council of Governments-HAP Anson Housing Authority 8700 Tesoro Drive Ste. 700 1302 Avenue J San Antonio, TX 79604 Anson, TX 79501 (210) 362-5200 (325) 823-2831

Alamo Housing Authority Anthony Housing Authority 309 N. 9TH Street 1007 Franklin Street Alamo, TX 78516 Anthony, TX 79821 (956) 787-2352 (915) 886-4650

Alba Housing Authority Aransas Pass Housing Authority 145 N. Osborne Street 254 N. 13th Street Alba, TX 75410 Aransas Pass, TX 78336 (903) 765-2541 (361) 758-3032

Alice Housing Authority Archer City Housing Authority 125 Olmito 223 Sycamore Alice, TX 78333 Archer City TX 76351 (361) 664-3453 (940) 574-2241

Alpine Housing Authority Ark-Tex HAP Section 8 1024 N. 5th Street 111 Big League Bend Alpine, TX 79830 Omaha, TX 75571 (915) 837-2648 (903) 884-3708

Alto Housing Authority Arlington Housing Authority 282 Wright Patman Drive 501 W. Sanford Street, Ste. 20 Alto, TX 75925 Arlington, TX 76011 (936) 858-4921 (817) 275-3351

Amarillo Housing Office Aspermont Housing Authority 509 E. 7th Avenue #104 236 Seventh Street Amarillo TX 79101 Aspermont, TX 79502 (806) 378-4203 (940) 989-2721

Appendix C

Public Housing Authorities Athens Housing Authority Bartlett Housing Authority 805 N. Palestine 200 Cryer Drive Athens, TX 75751 Bartlett, TX 76511 (903) 675-1898 (254) 527-4295

Atlanta Housing Authority Bastrop Housing Authority 106 S. Howe Street 502 Farm Street Atlanta, TX 75551 Bastrop, TX 78602 (903) 796-5065 (512) 321-3398

Austin Housing Authority Bay City Housing Authority 1124 S. IH 35 3012 Sycamore Avenue Austin, TX 78704 Bay City, TX 77414 (512) 477-4488 (979) 245-2652

Avery Housing Authority Baytown Housing Authority 540 S. Austin Street 1600 James Bowie Drive Suite C100 Avery, TX 75554 Baytown TX 77520 (903) 684-3207 (281) 427-6686

Avinger Housing Authority Beaumont Housing Authority 100 Project Street 1890 Laurel Avinger, TX 75630 Beaumont, TX 77701 (903) 562-1026 (409) 951-7200

Baird Housing Authority Beckville Housing Authority 401 Chestnut 419 Monroe Street Baird, TX 79504 Beckville, TX 75631 (325) 854-1660 (903) 678-3630

Balch Springs HAP Beeville Housing Authority 3117 Hickory Tree Section 8 Balch Springs, TX 75180 1101 E. Kennedy Street (972) 557-6069 Beeville, TX 78102 (361) 358-5865 Ballinger Housing Authority Public Housing 1401 N. 13th Street 1101 West Bowie Street Ballinger, TX 76821 Beeville, TX 78102 (325) 365-2629 (361) 362-0399

Balmorhea Housing Authority Bells Housing Authority 514 5th Street 810 W 16th Street Balmorhea, TX 79718 Bonham, TX 75418 (432) 375-2459 (903) 583-3336

Bangs Housing Authority Bellville Housing Authority 406 E Spencer Street 300 S. Thomas Street Bangs, TX 76823 Bellville, TX 77418 (325) 752-6522 (979) 865-3722

Appendix C

Public Housing Authorities Belton Housing Authority Bowie County Housing Authority 715 Saunders Street 1002 MacArthur Avenue Temple, TX 76513 Wake Village, TX 75501 (254) 939-5321 (903) 832-8514

Bexar County Housing Authority Brackettville Housing Authority 1017 N. Main, Ste. 201 205 S. Sweeney Street San Antonio, TX 78212 Brackettville, TX 78832 (210) 225-0071 (830) 563-2513

Big Sandy Housing Authority Brady Housing Authority 401 E. Beck Street 405 E. Main Street Big Sandy, TX75755 Brady, TX 76825 (903) 636-4914 (325) 597-2951

Big Spring Housing Authority Brazoria County Housing Authority 201 NE 7th Street 436 E. Mulberry Street, Ste #162 Big Spring, TX 79720 Angleton, TX 77515 (432) 263-4090 (979) 864-1427

Blooming Grove Housing Authority Brazos Valley Council of Governments 100 2nd Street 3991 E. 29th Street Blooming Grove, TX 76626 Bryan, TX 77803 (903) 695-2834 (979) 595-2800

Blossom Housing Authority Breckenridge Housing Authority 630 W. Division Street 911 N. Payne Street Blossom, TX 75416 Breckenridge, TX 76424 (903) 982-6414 (254) 559-5996

Boerne Housing Authority Bremond Housing Authority 201 E. San Antonio #230 600 S. Main Street Boerne, TX 78006 Bremond, TX 76629 (830) 249-9343 (254) 746-7260

Bogata Housing Authority Brenham Housing Authority 100 Thedford 1901 Northview Circle Drive Bogata, TX 75417 Brenham, TX 77833 (903) 632-5574 (979) 836-9221

Bonham Housing Authority Bridgeport Housing Authority 810 W. 16th Street 1508 Cobb Street Bonham, TX 75418 Bridgeport, TX 76426 (903) 583-3336 (940) 683-2710

Borger Housing Authority Bronte Housing Authority 903 Parkway Street 116 North East Railroad Borger, TX 79007 Bronte, TX 76933 (806) 274-2612 (325) 473-3541

Appendix C

Public Housing Authorities Brownsville Housing Authority Cameron County Housing Authority 2606 Boca Chica Blvd. 65 Castellano Circle Brownsville, TX 78521 Brownsville, TX 78520 (956) 541-8315 (956) 541-4983

Brownwood Housing Authority Cameron Housing Authority 1500 Terrace Drive 704 W. 6th Street Brownwood, TX 76801 Cameron, TX 76520 (325) 646-0790 (254) 697-6524

Bryan Housing Authority Canyon Housing Authority 1306 Beck Street 2617 8th Avenue Bryan, TX 77803 Canyon, TX 79015 (979) 822-2013 (806) 655-0673

Bryson Housing Authority Carrizo Springs Housing Authority 701 N. College 207 North 4th Street Bryson, TX 76427 Carrizo Springs, TX 78834 (940) 392-2075 (830) 876-5211

Buffalo Housing Authority Celeste Housing Authority 304 North Center Street 810 W. 16th Street Buffalo, TX 75831 Bonham, TX 75418 (903) 322-3654 (903) 583-3336

Burkburnett Housing Authority Center Housing Authority 217 Byerly Street 1600 Sweetgum Trail Burkburnett, TX 76354 Center, TX 75935 (940) 569-3211 (936) 598-2332

Burnet Housing Authority Centerville Housing Authority 805 South Water Street 130 E. Main Street Burnet, TX 78611 Centerville, TX 75833 (512) 756-4745 (903) 536-2378

Caddo Mills Housing Authority Central Texas COG Housing Program 2502 Circle Drive 2180 N. Main Caddo Mills, TX 75135 Belton, TX 76513 (903) 527-3859 (254) 770-2300

Caldwell Housing Authority Childress Housing Authority 509 N. Hall Street 407 Avenue B NW Caldwell, TX 77836 Childress, TX 79201 (979) 567-4244 (940) 937-3501

Calvert Housing Authority Cisco Housing Authority 1200 Beech Street 714 E. 10th Street Calvert, TX 77837 Cisco, TX 76437 (979) 364-2844 (254) 442-2662

Appendix C

Public Housing Authorities Clarendon Housing Authority Coolidge Housing Authority 103 E. 4th Street 502 Jester Street Clarendon, TX 79226 Coolidge, TX 76335 (806) 874-2458 (254) 786-2450

Clarksville Housing Authority Cooper Housing Authority 700 S. Delaware Street 1291 West Dallas Avenue Clarksville, TX 75426 Cooper, TX75432 (903) 427-3671 (903) 395-4212

Cleburne Housing Authority Copperas Cove Housing Authority 418 West Henderson Street 701 Casa Circle Cleburne, TX 76033 Copperas Cove, TX 76522 (817) 645-0937 (254) 547-9449

Cleveland Housing Authority Corpus Christi Housing Authority 801 S. Franklin Avenue 3701 Ayers Street Cleveland, TX 77327 Corpus Christi, TX 78415 (281) 593-1159 (361) 889-3300

Clifton Housing Authority Corrigan Housing Authority 608 N. Avenue I 600 S. Home Street Clifton, TX 76634 Corrigan, TX 75939 (254) 675-8294 (936) 398-5351

Coleman Housing Authority Corsicana Housing Authority 605 W. 2nd Street 1360 N. 13th Street Coleman, TX 76834 Corsicana, TX 75110 (325) 625-5018 (903) 872-5643

Colorado City Housing Authority Cotulla Housing Authority 439 Oak Street 101 Kerr Street Colorado City, TX 79512 Cotulla, TX 78014 (325) 728-3150 (830) 879-2935

Comanche Housing Authority Crockett Housing Authority 404 E. Cedar Avenue 186 E. Fannin Avenue Comanche, TX 76442 Crockett, TX 75835 (325) 356-3181 (936) 544-2057

Commerce Housing Authority Crosbyton Housing Authority 500 Tarter 202 South Ayrshire Commerce, TX 75428 Crosbyton, TX 79322 (903) 886-2946 (806) 675-2842

Como Housing Authority Cross Plains Housing Authority 101 Home Street 119 NW 2nd Street Como, TX 75431 Cross Plains, TX 76443 (903) 488-3090 (254) 725-6116

Appendix C

Public Housing Authorities Crowell Housing Authority Deep East Texas Regional Housing Authority 500 E. California Street 210 Premier Drive Crowell, TX 79227 Jasper, TX 75951 (940) 684-1212 (409) 384-5704

Crystal City Housing Authority Deep East Texas Regional Housing Authority 1600 N. 7th Avenue, #1300 - Lufkin Crystal City, TX 78839 118 S. First Street (830) 374-3435 Lufkin, TX 75901 (936) 634-2247 Cuero Housing Authority 203 West Church Street Dekalb Housing Authority Cuero, TX 77954 309 Oak Street (361) 275-6127 De Kalb, TX 75559 (903) 667-2818 Cumby Housing Authority 200 West Main Street Del Rio Housing Authority Cumby, TX 75433 207 N. Bedell Avenue (903) 994-2419 Del Rio, TX 78841 (830) 774-6506 Daingerfield Housing Authority 1200 Peters Street De Leon Housing Authority Daingerfield, TX 75638 200 E. Navarro Street (903) 645-2636 De Leon, TX 76444 (254) 893-2535 Dallas County HAP 2377 N. Stemmons #700 Denison Housing Authority Dallas, TX 75207 330 N. 8th Avenue (214) 819-1871 Denison, TX 75021 (903) 465-2650 Dallas Housing Authority 3939 N. Hampton, Suite 350 Denton Housing Authority Dallas, TX 75212 1225 Wilson (214) 951-8300 Denton, TX 76205 (940) 383-1504 Dawson Housing Authority 210 N. Circle Drive Deport Housing Authority Dawson, TX 76639 232 3rd Street (254) 578-1406 Deport, TX 75435 (903) 652-2744 Dayton Housing Authority 2502 N. Winfree Street Detroit Housing Authority Dayton, TX 77535 165 W. Deport Street (936) 258-5372 Detroit, TX 75436 (903) 674-2185 Decatur Housing Authority 500 N. Cowan Street Devine Housing Authority Decatur, TX 76234 210 S. Upson Drive (940) 627-5996 Devine, TX 78016 (830) 665-5996

Appendix C

Public Housing Authorities Diboll Housing Authority Edinburg Housing Authority 702 S. 1st Street 910 S. Sugar Road Diboll, TX 75941 Edinburg, TX 78539 (936) 829-5440 (956) 383-3839

Dilley Housing Authority Edna Housing Authority 400 Ann Street 600 N. Kleas Street Dilley, TX 78017 Edna, TX 77957 (830) 965-1321 (361) 782-3842

Donna Housing Authority El Campo Housing Authority 705 Silver Avenue 1303 Delta Street Donna, TX 78537 El Campo, TX 77437 (956) 464-4473 (979) 543-6991

Dublin Housing Authority El Paso County Housing Authority 201 E. May Street 650 East G. NE Dublin, TX 76446 Fabens, TX 79838 (254) 445-2165 (915) 764-3559

Duval County Housing Authority El Paso Housing Authority 4541 FM Road 1329 5300 E. Paisano Drive San Diego, TX 78384 El Paso, TX 79905 (361) 279-2005 (915) 849-3742

Eagle Pass Housing Authority Eldorado Housing Authority 2095 Main Street 801 East Street Eagle Pass, TX 78853 Eldorado, TX 76936 (830) 773-3325 (325) 853-2989

Ector Housing Authority Electra Housing Authority 810 W. 16th Street 600 N. Moore Street #45 Bonham, TX 75418 Electra, TX 76360 (903) 583-3336 (940) 495-3476

Edcouch Housing Authority Elgin Housing Authority 209 Pacific Avenue 515 Old McDade Road, #100 Edcouch, TX 78538 Elgin, TX 78621 (956) 262-2471 (512) 281-2772

Eden Housing Authority Elsa Housing Authority 104 E. Blanchard Street #23 309 W. 3rd Street Eden, TX 76837 Elsa, TX 78543 (325) 869-6491 (956) 262-1231

Edgewood Housing Authority Ennis Housing Authority 202 N. Houston Street 200 E. Arnold Street Edgewood, TX 75117 Ennis, TX 75119 (903) 896-4655 (972) 878-7451

Appendix C

Public Housing Authorities Falfurrias Housing Authority Frisco Housing Authority 924 S. Gardner 9400 Third Street Falfurrias, TX 78355 Frisco, TX 75033 (361) 325-5631 (972) 377-3031

Falls City Housing Authority Fruitvale Housing Authority 100 E Meyer Street 450 Creagle Circle Falls City, TX 78113 Fruitvale, TX 75127 (830) 254-3432 (903) 896-4381

Farmersville Housing Authority Gainesville Housing Authority 810 W. 16th Street 715 E. California Street #A Bonham, TX 75418 Gainesville, TX 76240 (903) 583-3336 (940) 665-1747

Ferris Housing Authority Galveston Housing Authority 401 W. 1st Street 4700 Broadway Street Ferris, TX 75125 Galveston, TX 77551 (972) 842-2047 (409) 765-1903

Flatonia Housing Authority Garland Housing Authority 701 Mulberry Street 210 Carver #201B Flatonia, TX 78941 Garland, TX 75040 (361) 865-2534 (972) 205-3393

Floresville Housing Authority Garrison Housing Authority 1401 Standish Street 714 Project Road Floresville, TX 78114 Garrison, TX 75946 (830) 393-6560 (936) 347-2285

Floydada Housing Authority Gatesville Housing Authority 210 E. California Street 213 N. 14th Street Floydada, TX 79235 Gatesville, TX 76528 (806) 983-5165 (254) 865-2970

Fort Stockton Housing Authority Georgetown Housing Authority 121 W. Second Street 210 W. 18th Street Fort Stockton, TX 79735 Georgetown, TX 78626 (432) 336-8525 (512) 863-5565

Fort Worth Housing Authority Gilmer Housing Authority 1201 E. 13th Street 104 Circle Drive Fort Worth, TX 76102 Gilmer, TX 75644 (817) 336-2419 (903) 843-3141

Franklin Housing Authority Gladewater Housing Authority 500 S. Center Street 777 S. Tyler Street Franklin, TX 77856 Gladewater, TX 75647 (979) 828-5246 (903) 845-2493

Appendix C

Public Housing Authorities Goldthwaite Housing Authority Grapeland Housing Authority 902 East Front Street 500 Willow Street Goldthwaite, TX 76844 Grapeland, TX 75844 (325) 648-3511 (936) 687-4767

Goliad Housing Authority Grapevine Housing Authority 360 N. Fort Street 131 Starr Place Goliad, TX 77963 Grapevine, TX 76051 (361) 645-2774 (817) 488-8132

Gonzales Housing Authority Grayson County Housing Authority 410 Village Drive 1708 W. Houston Gonzales, TX 78629 Sherman, TX 75092 (830) 672-3419 (903) 892-8717

Gorman Housing Authority Greenville Housing Authority 102 S. Fisher Street 4417 O'Neal Street Gorman, TX 76454 Greenville, TX 75401 (254) 734-2400 (903) 455-1771

Granbury Housing Authority Gregory Housing Authority 503 N. Crockett Street 103 Granjano, Bldg #103 Granbury, TX 76048 Gregory, TX 78359 (817) 573-1107 (361) 643-5014

Grand Prairie Department of Housing and Groesbeck Housing Authority Neighborhood Services 407 N. Leon Street 205 West Church Street Groesbeck, TX 76642 Grand Prairie, TX 75050 (254) 729-3204 (982) 237-8176 Groveton Housing Authority Grand Saline Housing Authority 209 Martin Luther King 304 S. Houston Street Groveton, TX 75845 Grand Saline, TX 75140 (936) 642-1687 (903) 962-4031 Gunter Housing Authority Grandfalls Housing Authority 810 W. 16th Street 220 Avenue F Bonham, TX 75418 Grandfalls, TX 79742 (903) 583-3336 (432) 547-2857 Hale Center Housing Authority Grandview Housing Authority 513 West 4th Street 303 N. 3rd Street Hale Center, TX 79041 Grandview, TX 76050 (806) 839-2281 (817) 866-3373 Hale County Housing Authority Granger Housing Authority 123 E. 6th Street 500 N. Commerce, #28 Plainview, TX 79072 Granger, TX 76530 (806) 293-4169 (512) 859-2797

Appendix C

Public Housing Authorities Hallettsville Housing Authority Henrietta Housing Authority 103 Village Drive 1009 E. Omega Street Hallettsville, TX 77964 Henrietta, TX 76365 (361) 798-5845 (940) 538-4252

Haltom City Housing Authority Hico Housing Authority 2800 Moneda Avenue 100 N. Railroad Avenue Haltom City, TX 76117 Hico, TX 76457 (817) 834-0691 (254) 796-4006

Hamilton Housing Authority Hidalgo County Housing Authority 920 S. Dempster Street 1800 N. Texas Blvd. Hamilton, TX 76531 Weslaco, TX 78596 (254) 386-5281 (956) 969-5865

Hamlin Housing Authority Hidalgo Housing Authority 200 SE Avenue A 704 E. Texano Hamlin, TX 79520 Hidalgo, TX 78557 (325) 576-3964 (956) 843-8561

Harlingen Housing Authority Hill County-Waco affiliate 219 E. Jackson Street 216 S. Covington Harlingen, TX 78550 Hillsboro TX 76645 (956) 423-2521 (254) 580-8558

Harris County Housing Authority Honey Grove Authority 8933 Interchange Drive 810 W. 16th Street Houston, TX 77054 Bonham, TX 75418 (713) 578-2100 (903) 583-3336

Haskell Housing Authority Houston Housing Authority 702 S. Avenue H 2640 Fountain View Drive Haskell, TX 79521 Houston, TX 77057 (940) 864-3685 (713) 260-0500

Hearne Housing Authority Howe Housing Authority 809 W. Davis Street 810 W. 16th Street Hearne, TX 77859 Bonham, TX 75418 (979) 279-3221 (903) 583-3336

Hemphill Housing Authority Hubbard Housing Authority 102 N. Ash Street 640 N.E. 7th Street Hemphill, TX 75948 Hubbard, TX 76648 (409) 787-3937 (254) 576-2932

Henderson Housing Authority Hughes Springs Housing Authority 817 W. Main Street 1314 East First Henderson, TX 75652 Hughes Springs, TX 75656 (903) 657-3444 (903) 639-2251

Appendix C

Public Housing Authorities Huntington Housing Authority Karnes City Housing Authority 210 East Walnut Street 506 N. Market Street Huntington, TX 75949 Karnes City, TX 78118 (936) 876-5412 (830) 780-2396

Huntsville Housing Authority Kemp Housing Authority 299 Mlk Blvd #1 400 Dallas Plaza Street Huntsville, TX 77320 Kemp, TX 75143 (936) 294-0277 (903) 498-8211

Ingleside Housing Authority Kenedy Housing Authority 2322 First Street 116 Stewart Avenue Ingleside, TX 78362 Kenedy, TX 78119 (361) 776-7812 (830) 583-2321

Jacksonville Housing Authority Kerens Housing Authority 1710 S. Jackson Street, #C 100 McClung Drive Jacksonville, TX 75766 Kerens, TX 75144 (903) 586-7585 (903) 396-2964

Jasper Housing Authority Kermit Housing Authority 200 Myrtis Street 112 S. Tornillo Street Jasper, TX 75951 Kermit, TX 79745 (409) 384-4430 (432) 586-3557

Jefferson Housing Authority Killeen Housing Authority 505 West Broadway Street 731 Wolf Street Jefferson, TX 75657 Killeen, TX 76541 (903) 665-2671 (254) 634-5243

Jim Hogg County Housing Authority Kingsville Housing Authority 508 N. Dagmar Street 1000 W. Corral Avenue Hebbronville, TX 78361 Kingsville, TX 78363 (361) 527-4353 (361) 592-6783

Johnson City Housing Authority Kirbyville Housing Authority 304 S. Avenue F 414 S. Vallie Avenue Johnson City, TX 78636 Kirbyville, TX 75956 (830) 868-7322 (409) 423-4751

Jourdanton Housing Authority Knox City Housing Authority 2909 Austin Circle 201 SW 4th Street Jourdanton, TX 78026 Knox City, TX 79529 (830) 769-2502 (940) 657-3612

Junction Housing Authority Kyle Housing Authority 815 Elm Street 417 W. 2nd Street Junction, TX 76849 Kyle, TX 78640 (325) 446-3486 (512) 268-7801

Appendix C

Public Housing Authorities La Grange Housing Authority Livingston Housing Authority 250 NW Circle 1102 N Pine Street La Grange, TX 78945 Livingston, TX 77351 (979) 968-3147 (936) 327-5100

La Joya Housing Authority Llano Housing Authority 945 South Leo Avenue 1110 Berry Street La Joya, TX 78560 Llano, TX 78643 (956) 581-7069 (325) 247-4931

Ladonia Housing Authority Lockhart Housing Authority 810 W. 16th Street 809 Redwood Street Bonham, TX 75418 Lockhart, TX 78644 (903) 583-3336 (512) 398-2715

Lamesa Housing Authority Lockney Housing Authority 601 S. 1st Street 114 West Locust Street Lamesa, TX 79331 Lockney, TX 79241 (806) 872-2124 (806) 652-2765

Lancaster HAP Lometa Housing Authority 1425 N. Dallas Avenue, Ste 101 101 W. Elm Street Lancaster, TX 75134 Lometa, TX 76853 (972) 275-1750 (512) 752-3588

Laredo Housing Authority Longview HAP 2000 San Francisco Avenue 1202 N. 6th Street Laredo, TX 78040 Longview, TX 75601 (956) 722-4521 (903) 237-1235

Leonard Housing Authority Loraine Housing Authority 104 North Connett #17 304 W. Colorado Avenue Leonard, TX 75452 Loraine, TX 78532 (903) 587-3385 (325) 737-2675

Levelland Housing Authority Los Fresnos Housing Authority 1837 Avenue I #115 500 N. Arroyo Blvd. Levelland, TX 79336 Los Fresnos, TX 78566 (806) 894-9075 (956) 233-5012

Liberty County Housing Authority Lott Housing Authority 2103 Cos Street, Rm 103 204 S. 2nd Liberty, TX 77575 Lott, TX 76656 (936) 336-4558 (254) 584-2841

Linden Housing Authority Lubbock Housing Authority 219 E. Frazier Street 1708 Crickets Avenue Linden, TX 75563 Lubbock, TX 79401 (903) 756-5901 (806) 762-1191

Appendix C

Public Housing Authorities Luling Housing Authority Mathis Housing Authority 800 E Milam Street 300 W. Fulton Luling, TX 78648 Mathis, TX 78368 (830) 875-5221 (361) 547-3315

Mabank Housing Authority Maud Housing Authority 200 E. Jack Street 127 Main Street Mabank, TX 75147 Maud, TX 75567 (903) 887-4220 (903) 585-5417

Madisonville Housing Authority McAllen Housing Authority 601 S. Madison Street 2301 Jasmine Avenue Madisonville, TX 77864 McAllen, TX 78501 (936) 348-6346 (956) 686-3951

Malakoff Housing Authority McGregor Housing Authority 347 S. Martin Plaza 301 N. Johnson Drive Malakoff, TX 75148 McGregor, TX 76657 (903) 489-1517 (254) 840-2276

Marble Falls Housing Authority McKinney Housing Authority 1110 Broadway Street 1200 N. Tennessee Street Marble Falls, TX 78654 McKinney, TX 75069 (830) 693-4521 (972) 542-5641

Marfa Housing Authority McLean Housing Authority 510 S. Kelly Street 711 North Wheeler Street Marfa, TX 79843 McLean, TX 79057 (432) 729-4811 (806) 779-2101

Marlin Housing Authority Memphis Housing Authority 101 Burnett Street 216 South 5th Street Marlin, TX 76661 Memphis, TX 79245 (254) 803-0072 (806) 259-2941

Marshall Housing Authority Mercedes Housing Authority 1401 Poplar Street 1098 W Expressway 83 #1100 Marshall, TX 75670 Mercedes, TX 78570 (903) 938-0717 (956) 565-3139

Mart Housing Authority Meridian Housing Authority 201 N. Main Street 205 North First Street Mart, TX 76664 Meridian, TX 76665 (254) 876-3011 (254) 435-2601

Mason Housing Authority Merkel Housing Authority 916 San Antonio Street 713 N. 1st Street Mason, TX 76856 Merkel, TX 79536 (325) 347-5853 (325) 928-4891

Appendix C

Public Housing Authorities Mesquite HAP Mount Pleasant Housing Authority 1616 N. Galloway Avenue 601 Stark Drive Mesquite, TX 75149 Mount Pleasant, TX 75455 (972) 216-6424 (903) 572-2829

Mexia Housing Authority Mount Vernon Housing Authority 701 N. Sherman Street 944 S. Kaufman Street Mexia, TX 76667 Mount Vernon, TX 75457 (254) 562-6321 (903) 537-4452

Midland County Housing Authority Munday Housing Authority 1710 Edwards Street 131 W. Cisco Street Midland, TX 79701 Munday, TX 76371 (432) 570-4155 (940) 422-4941

Midland Housing Authority Nacogdoches Housing Authority 700 W. Scharbauer Drive 715 Summit Street Midland, TX 79705 Nacogdoches, TX 75961 (432) 682-0011 (936) 569-1131

Mineola Housing Authority Naples Housing Authority 784 Goodson Circle 601 Walnut Street Mineola, TX 75773 Naples, TX 75568 (903) 569-3519 (903) 897-5336

Mineral Wells Housing Authority Navasota Housing Authority 200 NE 27th Street 553 Allen White Village Mineral Wells, TX 76067 Navasota, TX 77868 (940) 325-3327 (936) 825-7024

Mission Housing Authority New Boston Housing Authority 1300 E. 8th Street 303 Rice Street Mission, TX 78572 New Boston, TX 75570 (956) 585-9749 (903) 628-2951

Monahans Housing Authority New Braunfels Housing Authority 209 S. Dwight Avenue 300 Laurel Lane Monahans, TX 79756 New Braunfels, TX 78130 (432) 943-5962 (830) 625-6909

Montgomery County Housing Authority Newcastle Housing Authority 1500 N. Frazier, Ste. # 101 603 Commerce Street Conroe, TX 77301 Newcastle, TX 76372 (936) 539-4984 (940) 846-3378

Moody Housing Authority Newton Housing Authority 1310 Avenue East 103 Sartain Street Moody, TX 76557 Newton, TX 75966 (254) 853-2577 (409) 379-5198

Appendix C

Public Housing Authorities Nixon Housing Authority Orange Housing Authority 506 E. 4th Street 516 Burton Avenue Nixon, TX 78140 Orange, TX 77630 (830) 582-1433 (409) 883-5882

Nocona Housing Authority Overton Housing Authority 400 Hobson Street 220 W. Ward Street Nocona, TX 76255 Overton, TX 75684 (940) 825-6515 (903) 834-6213

Odem Housing Authority Paducah Housing Authority 500 E. Turner Street 711 Richards Odem, TX 78370 Paducah, TX 79248 (361) 368-9063 (806) 492-3788

Odessa Housing Authority Palacios Housing Authority 124 E. 2nd Street 45 Seashell Blvd. Odessa, TX 79761 Palacios, TX 77465 (432) 333-1088 (361) 972-3721

O'Donnell Housing Authority Panhandle Housing Authority 303 3rd Street 1309 W. 8th O'Donnell, TX 79351 Amarillo, TX 79101 (806) 428-3265 (806) 372-2531

Oglesby Housing Authority Paris Housing Authority 118 College Avenue 100 George Wright Homes Oglesby, TX 76561 Paris, TX 75460 (254) 456-2590 (903) 784-6651

Olney Housing Authority Pasadena HAP 302 W. Main Street 1114 Davis Street Olney, TX 76374 Pasadena, TX 77502 (940) 564-5639 (713) 475-5544

Olton Housing Authority Pearsall Housing Authority 311 E. 8th Street 501 W. Medina Street Olton, TX 79064 Pearsall, TX 78061 (806) 285-2768 (830) 334-9416

Omaha Housing Authority Pecos Housing Authority 202 Sloss Circle 2320 Teague Drive Omaha, TX 75571 Pecos, TX 79772 (903) 884-2300 (432) 447-2807

Orange County Housing Authority c/o Port Pharr Housing Authority Arthur Housing Authority 104 W. Polk Avenue 920 Dequeen Boulevard Pharr, TX 78577 Port Arthur, TX 77640 (956) 787-4217 (409) 982-6442

Appendix C

Public Housing Authorities Pineland Housing Authority Pottsboro Housing Authority 317 Dogwood Street 810 W. 16th Street Pineland, TX 75968 Bonham, TX 75418 (409) 584-2654 (903) 583-3336

Pittsburg Housing Authority Princeton Housing Authority 400 Broach Street 810 W. 16th Street Pittsburg, TX 75686 Bonham, TX 75418 (903) 856-3760 (903) 583-3336

Plano Housing Authority Quanah Housing Authority 1740 G Avenue 300 McClelland Street Plano, TX 75074 Quanah, TX 79252 (972) 423-4928 (940) 663-2738

Pleasanton Housing Authority Ralls Housing Authority 402 W. Adams Street 817 7th Street Pleasanton, TX 78064 Ralls, TX 79357 (830) 569-5558 (806) 253-2645

Point Housing Authority Ranger Housing Authority 200 Avenue A 526 N. Austin Street Point, TX 75472 Ranger, TX 76470 (903) 598-2531 (254) 647-3344

Port Arthur Housing Authority Rankin Housing Authority 920 Dequeen Blvd 200 West 10th Street Port Arthur, TX 77640 Rankin, TX 79778 (409) 982-6442 (432) 693-2924

Port Isabel Housing Authority Rising Star Housing Authority 506 Port Road 109 Dill Street Port Isabel, TX 78578 Rising Star, TX 76471 (956) 943-2863 (254) 643-3812

Port Lavaca Housing Authority Robert Lee Housing Authority 627 W. George #174 710 Bishop Street Port Lavaca, TX 77979 Robert Lee, TX 76945 (361) 552-8831 (325) 453-2912

Post Housing Authority Robstown Housing Authority 709 Caprock Drive 625 W. Avenue F Post, TX 79356 Robstown, TX 78380 (806) 495-2233 (361) 387-4525

Poteet Housing Authority Roby Housing Authority 120 Avenue E 206 S. College Street Poteet, TX 78065 Roby, TX 79543 (830) 742-3589 (325) 776-2248

Appendix C

Public Housing Authorities Rockdale Housing Authority Rusk Housing Authority 100 Cordova Drive 1400 W. 6th Street Rockdale, TX 76567 Rusk, TX 75785 (512) 446-4180 (903) 683-4488

Rockwall Housing Authority San Angelo Housing Authority 100 Lake Meadows Drive 420 E. 28th Street Rockwall, TX 75087 San Angelo, TX 76903 (972) 771-0211 (325) 481-2500

Rogers Housing Authority San Antonio Housing Authority 704 Rogers Cemetery Road 818 S. Flores Street Rogers, TX 76569 San Antonio, TX 78204 (254) 642-7785 (210) 477-6262

Roma Housing Authority San Augustine Housing Authority 301 N. Canales Circle 700 S. Broadway Street Roma, TX 78584 San Augustine, TX 75972 (956) 849-1159 (936) 275-5254

Rosebud Housing Authority San Benito Housing Authority 402 N. 4th Street 1400 N. Reagan Street Rosebud, TX 76570 San Benito, TX 78586 (254) 583-7959 (956) 399-7501

Rosenberg Housing Authority San Juan Housing Authority 117 Lane Drive, #18 700 Maldonado Circle Rosenberg, TX 77471 San Juan, TX 78589 (281) 342-1456 (956) 781-3130

Rotan Housing Authority San Marcos Housing Authority 202 W. McArthur Street 1201 Thorpe Lane Rotan, TX 79546 San Marcos, TX 78666 (325) 735-3613 (512) 353-5058

Round Rock Housing Authority San Saba Housing Authority 1505 Lance Lane 1601 W. Dry Street Round Rock, TX 78664 San Saba, TX 76877 (512) 255-9159 (325) 372-5236

Royse City Housing Authority Santa Anna Housing Authority 305 N. Houston Street 700 Wallis Avenue #63 Royse City, TX 75189 Santa Anna, TX 76878 (972) 635-2933 (325) 348-3811

Runge Housing Authority Savoy Housing Authority 406 N. Helena 810 W. 16th Street Runge, TX 78151 Bonham, TX 75418 (830) 239-4691 (903) 583-3336

Appendix C

Public Housing Authorities Schertz Housing Authority Somervell County Housing Authority 204 Schertz Pkwy. 107 NE Vernon Schertz, TX 78154 Glen Rose, TX 76043 (210) 658-1001 (254) 897-2159

Schulenburg Housing Authority South Plains Regional Housing Authority 702 Baumgarten Street 1611 FM Road 300 Schulenburg, TX 78956 Levelland, TX 79336 (979) 743-3776 (806) 894-5153

Seagraves Housing Authority Spearman Housing Authority 402 Appleton Avenue 201 S. Brandt Street Seagraves, TX 79359 Spearman, TX 79081 (806) 546-2828 (806) 659-9990

Seguin Housing Authority Spur Housing Authority 516 Jefferson Avenue 521 Keeler Avenue Seguin, TX 78155 Spur, TX 79370 (830) 379-7091 (806) 271-3328

Seymour Housing Authority Stamford Housing Authority 205 E. Idaho Street 110 N. Anson Street Seymour, TX 76380 Stamford, TX 79553 (940) 889-3637 (325) 773-3761

Sherman Housing Authority Stanton Housing Authority 2001 N. Hoard Avenue 408 E. Carpenter Street Sherman, TX 75090 Stanton, TX 79782 (903) 893-3139 (432) 756-2812

Sinton Housing Authority Starr County Housing Authority 900 Harvill Road 204 E. Nixon Street Sinton, TX 78387 Rio Grande City, TX 78582 (361) 364-1901 (956) 487-3216

Slaton Housing Authority Stockdale Housing Authority 420 East Powers Street 701 W. Main Street Slaton, TX 79364 Stockdale, TX 78160 (806) 828-3395 (830) 996-3741

Smiley Housing Authority Strawn Housing Authority 401 Billings Street 113 Lincoln Avenue Smiley, TX 78159 Strawn, TX 76475 (830) 587-6311 (254) 672-5525

Smithville Housing Authority Sweetwater Housing Authority 100 Ken Blaschke Drive 1217 Coral Drive Smithville, TX 78957 Sweetwater, TX 79556 (512) 360-3286 (325) 235-1764

Appendix C

Public Housing Authorities Taft Housing Authority Texarkana Housing Authority 223 Avenue C 1611 N. Robison Road Taft, TX 78390 Texarkana, TX 75501 (361) 528-3000 (903) 838-8548

Tahoka Housing Authority Texas City Housing Authority 1400 Avenue K 817 2nd Avenue North Tahoka, TX 79373 Texas City, TX 77590 (806) 561-4716 (409) 945-4011

Talco Housing Authority Texoma COG HAPP 300 E. Wilson Street, #9 810 W. 16th Street Talco, TX 75487 Bonham, TX 75418 (903) 379-2841 (903) 813-3538

Tarrant County Housing Authority Thorndale Housing Authority 2100 Circle Drive Ste 200 306 E. Umlang Street Fort Worth, TX 76119 Thorndale, TX 76577 (817) 531-7640 (512) 898-2777

Tatum Housing Authority Three Rivers Housing Authority 200 Forest Acres Circle 500 School Road Tatum, TX 75691 Three Rivers, TX 78071 (903) 947-6464 (361) 786-2295

Taylor Housing Authority Throckmorton Housing Authority 311 East 7th #C 406 W. High Street Taylor, TX 76574 Throckmorton, TX 76483 (512) 352-3231 (940) 849-6921

Teague Housing Authority Timpson Housing Authority 205 S. 5th Avenue 128 N. 3rd Street Teague, TX 75860 Timpson, TX 75975 (254) 739-2011 (936) 254-2378

Temple Housing Authority Tioga Housing Authority 700 W. Calhoun Avenue 810 W. 16th Street Temple, TX 76501 Bonham, TX 75418 (254) 773-2009 (903) 813-3538

Tenaha Housing Authority Tom Bean Housing Authority 239 E. Church Street 810 W. 16th Street Tenaha, TX 75974 Bonham, TX 75418 (936) 248-4424 (903) 583-3336

Terrell Housing Authority Travis County Housing Authority 115 N Adelaide, #305 502 East Highland Mall #106B Terrell, TX 75160 Austin, TX 78752 (972) 551-6670 (512) 480-8245

Appendix C

Public Housing Authorities Trenton Housing Authority Waco Housing Authority 810 W. 16th Street 4400 Cobbs Drive Bonham, TX 75418 Waco, TX 76710 (903) 583-3336 (254) 752-0324

Trinidad Housing Authority Waelder Housing Authority 144 Park Street 220 N. Avenue A Trinidad, TX 75163 Waelder, TX 78959 (903) 778-2584 (830) 788-7371

Tulia Housing Authority Walker County Housing Authority 301 S. Armstrong Avenue 340 Hwy. 75 N. Tulia, TX 79088 Huntsville, TX 77342 (806) 995-4282 (936) 291-3306

Tyler Housing Authority Waxahachie Housing Authority 900 W. Gentry Pkwy 208 Patrick Street Tyler, TX 75702 Waxahachie, TX 75165 (903) 531-1303 (972) 937-5730

Uvalde Housing Authority Weatherford Housing Authority 1700 Garner Field Road 1128 Fort Worth Hwy Uvalde, TX 78801 Weatherford, TX 76086 (830) 278-7161 (817) 596-0301

Van Alstyne Housing Authority Wellington Housing Authority 810 W. 16th Street 1305 Haskell Street Bonham, TX 75418 Wellington, TX 79095 (903) 583-3336 (806) 447-2772

Van Horn Housing Authority Weslaco Housing Authority 1409 W. Gramma Street 600 North Airport Drive Van Horn, TX 79855 Weslaco, TX 78596 (432) 283-2582 (956) 969-1538

Van Housing Authority Whitesboro Housing Authority 205 Bluebird Court 301 Beauty Lane Van, TX 75790 Whitesboro, TX 76273 (903) 963-7001 (903) 564-3700

Vernon Housing Authority Whitewright Housing Authority 1111 Ross Street, #B 810 W. 16th Street Vernon, TX 76384 Bonham, TX 75418 (940) 552-5744 (903) 583-3336

Victoria Housing Authority Whitney Housing Authority 4001 Halsey Street 115 W. Polk Avenue Victoria, TX 77901 Whitney, TX 76692 (361) 575-3682 (254) 694-7583

Appendix C

Public Housing Authorities Wichita Falls HAP Winnsboro Housing Authority 1300 Seventh Street, Rm 301 612 Autumn Drive Wichita Falls, TX 76301 Winnsboro, TX 75494 (940) 761-7454 (903) 342-6977

Wichita Falls Housing Authority Winters Housing Authority 501 Webster Street 300 N. Grant Street Wichita Falls, TX 76306 Winters, TX 79567 (940) 723-8389 (325) 754-4232

Willacy County Housing Authority Wolfe City Housing Authority 200 E. Kimball Avenue 414 South Mill Raymondville, TX 78580 Wolfe City, TX 75496 (956) 689-2733 (903) 496-7027

Wills Point Housing Authority Woodville Housing Authority 914 N. 3rd Street 1114 Albert Drive Wills Point, TX 75169 Woodville, TX 75979 (903) 873-2152 (409) 283-3628

Windom Housing Authority Wortham Housing Authority 810 W. 16th Street 105 W. Main Street Bonham, TX 75418 Wortham, TX 76693 (903) 583-3336 (254) 765-3320

Wink Housing Authority Yoakum Housing Authority 300 S. 6th Street 712 Forest Street Wink, TX 79789 Yoakum, TX 77995 (432) 527-3008 (361) 293-5241

Yorktown Housing Authority 406 N. Eckhardt Street Yorktown, TX 78164 (361) 564-3132

100

Appendix D

Local Housing Finance Corporations

D: Local Housing Finance Corporations

Local housing finance corporations (HFCs) may periodically receive bond funds to use at the local level for single family homebuyer assistance or multifamily development purposes. Not all areas may be served by a local HFC and not all HFCs may receive funding for assistance programs.

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Alamo Area Housing Finance Corporation Brazos County Housing Finance Corporation 8700 Tesoro, Ste. 700 200 S. Texas Ave #310 San Antonio, TX 78217 Bryan, TX 77803 (210) 362-5200 (979) 361-4105 Counties Served: Atascosa, Bandera, Comal, Frio, Counties Served: Brazos, Burleson, Grimes, Leon, Gillespie, Guadalupe, Karnes, Kerr, Medina, Wilson Madison, Robertson, Washington

Amarillo Housing Finance Corporation Cameron County Housing Finance 509 E 7th Street #104 Corporation Amarillo, TX 79101 520 E. Nolana Avenue (806) 378-3040 McAllen, TX 78504 Counties Served: Potter, Randall (956)-371-1745 Counties Served: Cameron Arlington Housing Finance Corporation 501 W. Sanford Street, Ste. 20 Cameron County Housing Finance Arlington, TX 76011 Corporation (817) 459-6300 P.O. Box 2219 Counties Served: Tarrant Brownsville, TX 78522-2219 (956) 548-6228 Austin Housing Finance Corporation Counties Served: Cameron 1000 E 11th Street #200 Austin, TX 78702-1945 Capital Area Housing Finance Corp (512) 974-3192 4101 Parkston Heights Dr #280 Counties Served: Travis Austin, TX 78746 (512) 347-9953 Beaumont Housing Finance Corporation Counties Served: Bastrop, Blanco, Burnet, Caldwell, 801 Main Street Fayette, Hays, Lee, Llano, Williamson Beaumont, TX 77701-3548 (409) 880-3715 Central Texas Housing Finance Corporation Counties Served: Jefferson PO Box 454 Belton, TX 76513 Bexar County Housing Finance Corporation (254) 933-5110 101 W. Nueva, Ste. 901 Counties Served: Bell, Coryell, Hamilton, Lampasas, San Antonio, TX 78205 Milam, Mills, San Saba (210) 335-6538 Counties Served: Bexar City of Laredo Department of Community Development 1301 Farragut, 3rd Floor PO Box 1276 Laredo, TX 78040 (956) 795-2675 Counties Served: Webb 101

Appendix D

Local Housing Finance Corporations Collin County Housing Finance Corporation El Paso Housing Finance Corporation 210 S. McDonald St., Ste. 626 2 Civic Center Plaza 2nd Floor McKinney, TX 75069 El Paso, TX 79901 (972) 424-1460 (915) 541-4476 Counties Served: Collin Counties Served: El Paso

Concho Valley Housing Finance Corporation Farmers Branch Housing Finance 5002 Knickerbocker Rd. Corporation San Angelo, TX 76904 13000 William Dodson Parkway (325) 944-9666 Farmers Branch, Texas 75234 Counties Served: Coke, Concho, Irion, Kimble, Mason, (972) 919-2518 McCulloch, Menard, Reagan, Schleicher, Sterling, Sutton, Counties Served: Dallas Tom Green Fort Bend County Housing Finance Corpus Christi Housing Finance Corporation Corporation 1201 Leopard St. 303 Texas Parkway Corpus Christi, TX 78401 Missouri City, TX 77459 (361) 880-3232 877.983.3792 Counties Served: Nueces Counties Served: Fort Bend

Dallas Housing Finance Corporation (city of) Fort Worth Housing Finance Corporation 1500 Marilla, Rm. 6CN 1000 Throckmorton St. Dallas, TX 75201 Fort Worth, TX 76102 (214) 670-0682 (817) 392-2255 Counties Served: Dallas Counties Served: Tarrant

Denton County Housing Finance Corporation Galveston Housing Finance Corporation 110 W. Hickory Street 2127 Broadway Denton, TX 76201 Galveston, TX 77550 (940) 387-4859 (409) 763-2454 Counties Served: Denton Counties Served: Galveston

DeSoto Housing Finance Corporation Galveston County Housing Finance 211 East Pleasant Run Road, Suite A Corporation DeSoto, Texas 75115 2127 Broadway (972) 230-9635 Houston, TX 77550 Counties Served: Dallas 281-484-4663 ext. 111 Counties Served; Unincorporated Galveston County East Texas Housing Finance Corporation 211 West Austin Street Garland Housing Finance Corporation Marshall, TX 75670 203 N. 5th Street (903) 938-8373 Garland, TX 75040 Counties Served: Anderson, Angelina, Camp, Cherokee, (214)-554-8928 Gregg, Harrison, Henderson, Marion, Nacogdoches, Counties Served: Collin, Dallas Panola, Rains, Rusk, Smith, Tyler, Upshur, Van Zandt, Wood Golden Crescent Housing Finance Corporation El Paso County Housing Finance Corporation 568 Big Bend Drive 500 E San Antonio, Ste. 301 Victoria, TX 77904 El Paso, TX 79901 (361) 578-1587 (915) 546-2098 Counties Served: DeWitt, Goliad, Gonzales, Jackson, Counties Served: El Paso Lavaca, Victoria

102

Appendix D

Local Housing Finance Corporations Grand Prairie Housing Finance Corp. Lewisville Housing Finance Corporation 802 Shady Creek 151 W. Church Street Kennedale, Texas 76060-5441 Lewisville, TX 75057 (817) 572-0949 (972) 219-3774 Counties Served: Dallas, Tarrant Counties Served: Denton

Gregg County Housing Finance Corporation Lubbock Housing Finance Corporation 415 North Center St. Suite 1 3212 Avenue Q Longview 75601 Lubbock, TX 79405 903-758-0111 (806) 745-9559 Counties Served: Gregg Counties Served: Lubbock

Harlingen Housing Finance Corporation McKinney Housing Finance Corporation 521 S. 77 Sunshine Strip 314 S. Chestnut Street, Suite 101 Harlingen, TX 78550 McKinney, TX 75069 956-216-5006 972-547-2677 Counties Served: Harlingen and San Benito Counties Served: Collin

Heart of Texas Housing Finance Corporation Mesquite Housing Finance Corporation 501 Franklin, Ste 900 1515 N. Galloway Waco, TX 76701 Mesquite, TX 75149 (254) 754-8639 972-216-6207 Counties Served: Bosque, Falls, Freestone, Hill, Counties Served: Dallas Limestone, McLennan Metropolitan Housing Finance Corporation Henderson Housing Finance Corporation 1311 W. Irving Blvd. 400 W Main Irving, TX 75061 Henderson TX 75652 (972) 259-1678 (903) 657-6551 x 231 Counties Served: Dallas Counties Served: Rusk Middle Rio Grande Housing Finance Hidalgo/Willacy County Housing Finance Corporation Corporation 2248 Meadow Point 1916 Tesoro Blvd. Eagle Pass, TX 78852 Pharr, TX 78577 (830) 773-5996 (956) 318-2619 Counties Served: Dimmit, La Salle, Maverick, Uvalde, Counties Served: Hidalgo, Willacy Val Verde, Zavala

Houston Housing Finance Corporation Midland Housing Finance Corporation 9545 Katy Freeway, Ste 105 300 N. Loraine Houston, TX 77024 Midland, TX 79701 (713) 461-2749 (432) 685-7253 Counties Served: Fort Bend, Harris, Montgomery Counties Served: Midland

Jefferson County Housing Finance Corp Midland County Housing Finance 550 Fannin, Suite 400 Corporation Beaumont, TX 77701 2918 Moss (409) 654-6730 Midland TX 79705 Counties Served: Jefferson (432) 694-8737 Counties Served: Midland

103

Appendix D

Local Housing Finance Corporations Montgomery County Housing Finance Panhandle Regional Housing Finance Corporation Corporation c/o Stephen McClain 3611 Soncy Rd Ste 9b 2040 North Loope 336 Amarillo, TX 79121 Conroe, TX 77304 (806) 352-4322 (936) 756-3383 Counties Served: Carson, Collingsworth, Dallam, Deaf Counties Served: Montgomery Smith, Donley, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Nortex Housing Finance Corporation Oldham, Parmer, Potter, Randall, Roberts, Sherman, 2112 Indian Heights Blvd. Wheeler Wichita Falls, TX 76309 940-235-0119 Pineywoods Home Team Affordable Housing Counties Served: Archer, Baylor, Clay, Cottle, Foard, 303 E Denman Ave Hardeman, Jack, Montague, Wichita, Wilbarger, Young Lufkin, TX 75901 (936) 637-7640 North Central Texas Housing Finance Counties Served: Angelina Corporation c/o First Southwest Company Portland Housing Finance Corporation 325 N. St. Paul Ste. 800 1900 Billy B. Webb Drive Dallas, TX 75201 Portland, TX. 78374 (214) 953-4055 361-777-4513 Counties Served: Dallas, Ellis, Erath, Hood, Hunt, Counties Served: San Patricio and Nueces Johnson, Kaufman, Navarro, Palo Pinto, Parker, Rockwall, Somervell Sabine Neches Housing Finance Corporation PO Box 4915 Northeast Texas Housing Finance Beaumont, Texas 77704 211 West Austin Street 409-654-6730 Marshall, TX 75670 Counties Served: Hardin and Orange (903) 938-8373 Counties Served: Bowie, Cass, Delta, Franklin, Hopkins, San Antonio Housing Finance Corporation Lamar, Morris, Red River, Titus 2515 Blanco Road San Antonio, TX 78212 Northwest Central Texas Housing Finance (210) 735-2772 Corporation Counties Served: Bexar C/O First Southwest Company 325 North Saint Paul Street, Suite 800 San Antonio Housing Trust Finance Corp. Dallas, Texas 75201 2515 Blanco Road 214-953-4055 San Antonio, TX 78212 Counties Served: Erath, Hood, Johnson, Palo Pinto, (210) 735-2772 Parker, Somervell and Wise Counties Served: Bexar

Odessa Housing Finance Corporation South Plains Housing Finance Corporation 3801 North Dixie Blvd. 1323 58th Street Odessa, TX 79762 Lubbock, TX 79412 Office: (432) 362-2349 (806) 762-8721 Counties Served: Ector Counties Served: Bailey, Cochran, Crosby, Dickens, Floyd, Gaines, Garza, Hale, Hockley, Lamb, Lubbock, Lynn, Motley, Terry, Yoakum

104

Appendix D

Local Housing Finance Corporations Southeast Texas Housing Finance Travis County Housing Finance Corporation Corporation 700 Lavaca, Suite 1560 11111 South Sam Houston Parkway Austin, TX 78701 Houston, TX 77089 (512) 854-4743 (281) 484-4336 Counties Served: Travis Counties Served: Brazoria, Chambers, Liberty, Matagorda, Walker, Waller, Wharton Trinity Housing Finance Corporation 1000 Throckmorton Tarrant County Housing Finance Corporation Fort Worth, Texas 76102 100 E. Weatherford, Suite 502A (817) 871-6140 Fort Worth, TX 76196 Counties Served: Tarrant (817) 884-1234 Counties Served: Tarrant Webb County Housing Finance Corporation 1000 Houston Street, Suite 100 Texas State Affordable Housing Corporation Laredo, TX 78040 2200 East Martin Luther King Jr. Blvd. (956) 523-4605 Austin, Texas 78702 Counties Served: Webb 512-477-3555 - Ext. 402 Counties Served: All Counties in the State of Texas West Central Texas Regional Housing Finance Corporation Texoma Housing Finance Corporation 3702 Loop 322 528 Hwy 120 East Abilene, TX 79602 Pottsboro, TX 75076 (325) 672-8544 (903) 786-2281 Counties Served: Brown, Callahan, Coleman, Comanche, Counties Served: Cooke, Fannin, Grayson Eastland, Fisher, Haskell, Jones, Kent, Knox, Mitchell, Nolan, Runnels, Scurry, Shackelford, Stephens, Stonewall, Tom Green County Housing Finance Taylor, Throckmorton Corporation 112 W. Beauregard Winter Garden Housing Finance Corporation San Angelo, TX 2248 Meadow Point 325-653-3318 Eagle Pass, TX 78852 Counties Served: Tom Green (830) 773-5996 Counties Served: Maverick, Uvalde and Val Verde

105

Appendix E

Local USDA Rural Development Offices

E: Local USDA Rural Development Offices

The U.S. Department of Agriculture (USDA) Rural Development division maintains local offices throughout the state that are committed to improving the economy and quality of life in rural areas. Local offices administer various programs including essential public facilities and services, economic development activities, technical assistance and information and housing programs.

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Texas USDA Rural Development State Office 101 South Main Street, Ste 102 Temple, TX 76501 (254) 742-9700

AREA #1 JURISDICTION AREA #3 JURISDICTION

Amarillo Sub-Area Office-Potter County Decatur Sub-Area Office-Wise County 6565 Amarillo Boulevard West, Suite C 1604 W. Business 380, Suite 100 Amarillo, TX 79106 Decatur, TX 76234 (806) 468-8600 (940) 627-3531 Counties Served: Armstrong, Briscoe, Carson, Castro, Counties Served: Archer, Baylor, Clay, Cottle, Foard, Childress, Collingsworth, Dallam, Deaf Smith, Donley, Hardeman,, Jack, Montague, Wichita, Wilbarger, Wise, Gray, Hall, Hansford, Hartley Hemphill, Hutchinson, and Young Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter, Randall, Roberts, Sherman, Swisher and Wheeler McKinney Area Office - Collin County 1404-A N. McDonald, Ste. 300 Lubbock Area Office-Lubbock County McKinney, TX 75071-1822 6113 43rd Street, Ste B (972) 542-0081 Lubbock, TX 79407 Counties Served: Collin, Cooke, Dallas, Denton, Fannin, (806) 785-5644 Grayson, Hunt, Kaufman, Palo Pinto, Parker, Rockwall, Counties Served: Bailey, Cochran, Crosby, Dickens, Tarrant Floyd, Garza, Hale, Hockley, King, Lamb, Lubbock, Lynn, Motley, Terry, and Yoakum AREA #4 JURISDICTION AREA #2 JURISDICTION Canton Sub-Area Office – Van Zandt County 700 Trade Days Blvd., Ste 3 Edna Rural Development Local office Canton, TX 75103 700 N. Wells, Room 204 (903) 567-6051 Edna, TX 77957 Counties Served: Anderson, Henderson, Rains, Smith, (361) 782-7151 Van Zandt, Wood Counties Served: Calhoun, DeWitt, Goliad, Gonzales, Jackson, Lavaca, and Victoria, Henderson Sub-Area Office – Rusk County 1305 S. Main, Ste 103 Georgetown Area Office – Williamson County Henderson, TX 75654 505 West University Avenue, Ste G (903) 657-8221 Georgetown, TX 78626-0058 Counties Served: Camp, Cherokee, Gregg, Harrison, (512) 863-6502 Marion, Panola, Rusk, and Upshur Counties Served: Bastrop, Blanco, Burnet, Caldwell, Fayette, Hays, Lee, Llano, Travis, and Williamson

106

Appendix E

Local USDA Rural Development Offices Mount Pleasant Area Office – Titus County AREA #7 JURISDICTION 1809 Ferguson Road, Ste. E Mount Pleasant, TX 75455-2921 Fredericksburg Sub-Area Office – Gillespie (903) 572-5411 County Counties Served: Bowie, Cass, Delta, Franklin, Hopkins, 1906 N. Llano, Room 102 Lamar, Morris, Red River, and Titus Fredericksburg, TX 78624 (830) 997-8902 AREA #5 JURISDICTION Counties Served: Bandera, Frio, Gillespie, Kendall, Kerr, and Medina Bryan Sub-Area Office – Brazos County Seguin Area Office – Guadalupe County 3833 S Texas Avenue, #117 3251 N. Hwy 123 Bypass Bryan, TX 77802 Seguin, TX 78155-6115 (979) 846-0548 (830) 372-1043 Counties Served: Brazos, Burleson, Grimes, Leon, Counties Served: Atascosa, Bexar, Comal, Guadalupe, Madison, Robertson, and Washington Karnes, and Wilson

Hillsboro Area Office – Hill County Uvalde Sub-Area Office – Uvalde County 1502 Hwy. 77 North 101 Weeping Willow Hillsboro, TX 76645 Uvalde, TX 78801 (254) 582-7328 (830) 278-9503 Counties Served: Bell, Bosque, Bosque, Coryell, Ellis, Counties Served: Dimmit, Edwards, Kinney, LaSalle, Erath, Falls, Freestone, Hamilton, Hill, Hood, Johnson, Maverick, Real, Uvalde, Val Verde and Zavala Lampasas, Limestone, McLennan, Milam, Mills, Navarro, San Saba, and Somervell AREA #8 JURISDICTION Alice Area Office – Jim Wells County AREA #6 JURISDICTION 2287 N. Texas Blvd., Suite 1 Alice, TX 78332 Angleton Sub Area Office – Brazoria County 711 N. Velasco, Ste. B (361) 668-0453 Angleton, TX 77515 Counties Served: Aransas, Bee, Duval, Jim Wells, (979) 549-0215 Kenedy, Kleberg, Live Oak, McMullen, Nueces, Refugio, Counties Served: Austin, Brazoria, Colorado, Fort Bend, and San Patricio Galveston, Matagorda, and Wharton Edinburg Sub-Area Office – Hidalgo County 2514 S. Veterans Blvd., Ste 4 Huntsville Area office – Walker County 2 Financial Plaza, Suite 745 Edinburg, TX 78539 Huntsville, TX 77340 (956) 383-4928 (936) 291-1901 Counties Served: Cameron, Hidalgo, Starr, and Willacy Counties Served: Chambers, Harris, Liberty, Montgomery, Hebbronville Sub-Area Office – Jim Hogg Walker, and Waller County 1700 N Smith Street, Ste. A Lufkin Sub-Area Office – Angelina County 1520 E. Denman, Suite 104 Hebbronville, TX 78361 Lufkin, TX 75901-5817 (361) 527-3253 (936) 634-9900 Counties Served: Jim Hogg, Brooks, Webb and Zapata Counties Served: Angelina, Hardin, Houston, Jasper, AREA #9 JURISDICTION Jefferson, Nacogdoches, Newton, Orange, Polk, Sabine, San Augustine, San Jacinto, Shelby, Trinity and Tyler El Paso Sub-Area Office – El Paso County 11940 Don Haskins Drive, Ste E1 El Paso, TX 79936 (915) 855-1229 Counties Served: Brewster, Culberson, El Paso, Hudspeth, Jeff Davis, and Presidio

107

Appendix E

Local USDA Rural Development Offices Fort Stockton Area Office – Pecos County Ozona Sub-Area Office – Crockett County 2306 West Dickinson Blvd., Suite 2 201 East 11th Street Fort Stockton, TX 79735 Ozona, TX 76943 (432) 336-7585 (325) 392-2301 Counties Served: Andrews, Bordon, Crane, Dawson, Counties Served: Coker, Concho, Crockett, Glasscock, Ector, Gaines, Howard, Loving, Martin, Pecos, Reeves, Irion, Kimble, Mason, McCulloch, Menard, Reagan, Terrell, Upton, Ward, and Winkler Schleicher, Sterling, Sutton, and Tom Green

AREA #10 JURISDICTION Groesbeck Rural Development Local office 1213 Yeagua Street Abilene Area Office – Taylor County Groesbeck, TX 76642 4400 Buffalo Gap Road, Suite 4150 (254) 729-2310 Abilene, TX 79606 Counties Served: Anderson, Falls, Freestone, Limestone, (325) 690-6162 Navarro Counties Served: Fisher, Foard, Haskell, Jones, Kent, Knox, Mitchell, Nolan, Scurry, Stonewall, and Taylor Rio Grande City Rural Development Local office Brownwood Sub-Area Office – Brown County 4400 East Highway 83 2608 Hwy 377 South, Ste. A Rio Grande City, TX 78582 Brownwood, TX 76801 (956) 487-5576 (325) 643-1585 Counties Served: Starr, Zapata Counties Served: Brown, Coleman, Comanche, Concho, Eastland, Hamilton, McCulloch, Mills, San Saba, USDA Rural Development - Bastrop office Stephens 503 Old Austin Highway Bastrop, TX 78602 (512) 321-2286 Counties Served: Austin, Bastrop, Colorado, Fayette, Lee

108

Appendix F

Local Community Action Agencies

F: Local Community Action Agencies

Community action agencies (CAAs) are the delivery system for federal and state antipoverty programs. Many CAAs administer TDHCA’s Community Services Block Grant Program (CSBG), Comprehensive Energy Assistance Program (CEAP) and Weatherization Assistance Program (WAP). Contact the CAA that serves your area for more information about available programs.

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Aspermont Small Business Development Center, Inc. City of Austin Health & Human Services Dep. 9660 US Highway 83 South Public Health & Community Services Aspermont, TX 79502 Healthy Neighborhood Unit (940) 989-3538 PO Box 1088 (800) 722-0137 Austin TX 78767 (512) 972-5010 Bee Community Action Agency 1701 NW Frontage Road City of Fort Worth Community Action Beeville, TX 78104 -1540 Partners (361) 358-5530 4200 S Freeway, St 2200 (800) 358-5534 Fort Worth, TX 76115 (817) 392-5790 Big Bend Community Action Committee, Inc. 200 W. San Antonio Street City of Lubbock Community Development Marfa, TX 79843 Department (432) 729-3435 1611 10th Street Lubbock, TX 79401 Brazos Valley Community Action Agency (806) 775-2301 1500 University Drive East College Station, TX 77840 (979) 846-1100 City of San Antonio Dept. of Human Services 106 S. St. Mary’s, 7th Floor Cameron and Willacy Counties Community San Antonio TX 78205 Projects, Inc. (210) 207-8198 3302 Boca Chica, Ste. 209 Brownsville, TX 78520 Combined Community Action, Inc. (956) 544-6411 165 W. Austin Street Giddings, TX 78942 Central Texas Opportunities, Inc. (979) 540-2980 2302 Commercial Avenue (800) 688-9065 Coleman, TX 76834 (325) 625-4167 Community Action Committee of Victoria (800) 625-4167 4007 Halsey Street Victoria, TX 77901 (361) 578-2989 (800) 365-7712

109

Appendix F

Local Area Agencies on Aging

Community Action Corporation of South Community Services of Northeast Texas Texas 304 East Houston 66 N. King Street Linden, TX 75563 Alice, TX 78332 (903) 756-5596 (361) 664-4769 (800) 945-4255

Community Action Inc., of Central Texas Concho Valley Community Action Agency 101 Uhland Rd Ste 107 36 W. Beauregard, Ste B100 San Marcos, TX 78666 San Angelo, TX 76903 (512) 392-1161 (325) 653-2411

Community Action Program, Inc. Economic Action Committee of the Gulf 774 China Street Coast Abilene, TX 79602 904 Whitson Street (325) 673-5785 Bay City, TX 77414 (979) 245-6901 Community Action Social Services & Education, Inc. Economic Opportunities Advancement Corp. PO Box 268 of Planning Region XI Eagle Pass, TX 78853 500 Franklin Avenue (830) 757-9950 Waco, TX 76701 (254) 753-0331 Community Council of Reeves County 700 Daggett Street, Ste. F El Paso Community Action Program, Project Pecos, TX 79772 Bravo, Inc. (432) 447-4913 2000 Texas Avenue El Paso, TX 79901 Community Council of South Central Texas (915) 562-4100 205-A E. Court Street (855) 300-6539 Seguin, TX 78155 (830) 303-4376 Galveston County Community Action (800) 499-1617 Council, Inc. 2627 Avenue M Community Council of Southwest Texas Galveston, TX 77550 217 W. Nopal Street (409) 765-7878 Uvalde, TX 788021 (830) 591-0703 Greater East Texas Community Action (800) 499-1617 Program (GETCAP) 114 W. Hospital Street Community Services Agency of South Texas, Nacogdoches, TX 75961 Inc. (936) 564-2491 910 S, 5th Street Carrizo Springs, TX 78834 -4206 Gulf Coast Community Services Association (830) 876-5219 9320 Kirby Drive Houston, TX 77054 Community Services Inc. (713) 393-4700 401 E. 6th Avenue Corsicana, TX 75110 Hidalgo County Community Services Agency (903) 872-2880 100 N. Closner (800) 831-9929 Edinburg, TX 78539 (956) 383-6240 (800) 522-4021 110

Appendix F

Local Area Agencies on Aging

Hill Country Community Action Association, Southeast Texas Regional Planning Inc. Commission (SETRPC) 2905 W. Wallace 2210 Eastex Freeway San Saba, TX 76877 Beaumont, TX 77703 (325) 372-3526 (409) 899-8444

Institute for Rural Development Texas Neighborhood Services 915 South 9th St. 112 N. Main Street Kingsville, TX 78363 Weatherford, TX 76086 (361) 592-1303 (817) 598-5700

Northeast Texas Opportunities, Inc. Texoma Council of Governments (NETO) 1117 Gallagher Road PO Box 478 Sherman, TX 75090 Mount Vernon, TX 75457 (903) 893-2161 (903) 537-2256 (800) 677-8264

Nueces County Community Action Agency Tri-County Community Action, Inc. 101 South Padre Island Drive PO Drawer 1748 Corpus Christi, TX 78405 Center, TX 75935 (361) 883-7201 (936) 598-6315 (800) 464-1839 Panhandle Community Services 1309 W 8th Avenue Urban League of Greater Dallas & North Amarillo, TX 79101 Central Texas (806) 372-2531 4315 S. Lancaster Road (800) 676-4727 Dallas, TX 75216 (214) 915-4600 Pecos County Community Action Agency 101 N Jackson Street Webb County Community Action Agency Fort Stockton, TX 79735 1110 Washington Street, Ste 203 (432) 336-7528 Laredo, TX 78042 (956) 523-4182 Rolling Plains Management Corporation 118 N. 1st Street West Texas Opportunities, Inc. Crowell, TX 79227 603 North 4th (940) 684-1571 Lamesa, TX 79331 (806) 872-8354 South Plains Community Action Association 411 Austin Street Williamson-Burnet County Opportunities, Inc Levelland, TX 79336 604 High Tech Drive (806) 894-6104 Georgetown, TX 78626 (800) 782-5028 (512) 463-1400

South Texas Development Council 1002 Dickey Lane Laredo, TX 78043 (956) 722-3995

111

Appendix G

Local Area Agencies on Aging

G: Local Area Agencies on Aging

Local area agencies on aging (AAAs) are affiliated with the Texas Department on Aging and offer a variety of services for seniors including case management, transportation services, meal services, senior activity centers and home modification assistance. Contact the AAA serving your area for information on programs. Automatically connect to the AAA in your area by calling: 1-800-252-9240.

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Alamo AAA Central Texas AAA 8700 Tesoro Drive, Suite 700 2189 N. Main San Antonio, TX 78217 PO Box 729 (210) 362-5200 Belton, TX 76513-0729 (866) 231-4922 (254) 770-2330 Counties served: Atascosa, Bandera, Comal, Frio, (800) 447-7169 Gillespie, Guadalupe, Karnes, Kendall, Kerr, Medina, Counties served: Bell, Coryell, Hamilton, Lampasas, Wilson Milam, Mills, San Saba

Ark-Tex AAA Coastal Bend AAA 4808 Elizabeth Street 2910 Leopard Street Texarkana, TX 75503 Corpus Christi, TX 78408-3614 (903) 832-8636 (361) 883-3935 (800) 372-4464 (800) 817-5743 Counties served: Bowie, Cass, Delta, Franklin, Hopkins, Counties served: Aransas, Bee, Brooks, Duval, Jim Wells, Lamar, Morris, Red River, Titus Kenedy, Kleberg, Live Oak, McMullen, Nueces, Refugio, San Patricio Bexar County AAA 8700 Tesoro, Suite 700 Concho Valley AAA San Antonio, TX 78217 2801 W. Loop 306, Suite A (210) 362-5254 San Angelo, Texas 76904 (800) 960-5201 (325) 223-5704 Counties served: Bexar (877) 944-9666 Counties served: Coke, Concho, Crockett, Irion, Kimble, Brazos Valley AAA Mason, McCulloch, Menard, Reagan, Schleicher, Sterling, PO Drawer 4128 Sutton, Tom Green Bryan, TX 77805 (979) 595-2800 Dallas County AAA Counties served: Brazos, Burleson, Grimes, Leon, 1349 Empire Central, Suite 400 Madison, Robertson, Washington Dallas, TX 75247 (214) 871-5065 Capital Area AAA (800) 548-1873 6800 Burleson Road, Bldg 310, #165 Counties served: Dallas Austin, TX 78744 (512) 916-6062 (888) 622-9111 Counties served: Bastrop, Blanco, Burnet, Caldwell, Fayette, Hays, Lee, Llano, Travis, Williamson

112

Appendix G

Local Area Agencies on Aging

Deep East Texas AAA Lower Rio Grande Valley AAA 210 Premier Drive 301 W, Railroad Jasper, TX 75951 Weslaco, TX 78596 (409) 384-5704 (956) 682-3481 (800) 256-6848 (800) 365-6131 Counties served: Angelina, Houston, Jasper, Nacogdoches, Counties served: Cameron, Hidalgo, Willacy Newton, Polk, Sabine, San Augustine, San Jacinto, Shelby, Trinity, Tyler Middle Rio Grande AAA PO Box 1199 East Texas AAA Carrizo Springs, TX 78834 3800 Stone Road (830) 876-3533 Kilgore, TX 75662 (800) 224-4262 (903) 984-8641 Counties served: Dimmit, Edwards, Kinney, La Salle, (800) 442-8845 Maverick, Real, Uvalde, Val Verde, Zavala Counties served: Anderson, Camp, Cherokee, Gregg, Harrison, Henderson, Marion, Panola, Rains, Rusk, North Central Texas AAA Smith, Upshur, Van Zandt, Wood PO Box 5888 Arlington, TX 76005-5888 Golden Crescent AAA (817) 695-9194 120 S. Main, Ste. 210 (800) 272-3921 Victoria, TX 77901 Counties served: Collin, Denton, Ellis, Erath, Hood, (361) 578-1587 Hunt, Johnson, Kaufman, Navarro, Palo Pinto, Parker, (800) 574-9745 Rockwall, Somervell, Wise Counties served: Calhoun, DeWitt, Goliad, Gonzales, Jackson, Lavaca, Victoria North Texas AAA PO Box 5144 Harris County AAA Wichita Falls, TX 76307-5144 8000 North Stadium Drive, 3rd Floor (940) 322-5281 Houston, TX 77054 (800) 460-2226 (832) 393-4301 Counties served: Archer, Baylor, Clay, Cottle, Foard, (800) 213-8471 Hardeman, Jack, Montague, Wichita, Wilbarger, Young Counties served: Harris Panhandle AAA Heart of Texas AAA 415 SW 8th Avenue 1514 South New Road Amarillo, TX 79101 Waco, TX 76711 (806) 331-2227 (254) 292-1800 (800) 642-6008 (866) 772-9600 Counties served: Armstrong, Briscoe, Carson, Castro, Counties served: Bosque, Falls, Freestone, Hill, Limestone, Childress, Collingsworth, Dallam, Deaf Smith, Donley, McLennan Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter, Houston-Galveston AAA Randall, Roberts, Sherman, Swisher, Wheeler PO Box 22777 Houston, TX 77227-2777 (713) 627-3200 (800) 437-7396 Counties served: Austin, Brazoria, Chambers, Colorado, Fort Bend, Galveston, Liberty, Matagorda, Montgomery, Walker, Waller, Wharton

113

Appendix G

Local Area Agencies on Aging

Permian Basin AAA South Texas AAA 2910 LaForce Blvd. 1002 Dickey Lane PO Box 60660 Laredo, TX 78043 Midland, TX 79711 (956) 722-3995 (432) 563-1061 (800) 292-5426 (800) 491-4636 Counties served: Jim Hogg, Starr, Webb, Zapata Counties served: Andrews, Borden, Crane, Dawson, Ector, Gaines, Glasscock, Howard, Loving, Martin, Tarrant County AAA Midland, Pecos, Reeves, Terrell, Upton, Ward, Winkler 1500 N. Main #200 PO Box 4448 Rio Grande AAA Fort Worth, TX 76164 1100 North Stanton, Suite 610 (817) 258-8081 El Paso, TX 79902 (877) 886-4833 (915) 533-0998 Counties served: Tarrant (800) 333-7082 Counties served: Brewster, Culberson, El Paso, Hudspeth, Texoma AAA Jeff Davis, Presidio 1117 Gallagher Drive Sherman, TX 75090 South East Texas AAA (903) 813-3510 2210 Eastex Freeway (800) 677-8264 Beaumont, TX 77703 Counties served: Cooke, Fannin, Grayson (409) 899-8444 (800) 395-5465 West Central Texas AAA Counties served: Hardin, Jefferson and Orange 3702 Loop 322 Abilene, TX 79602 South Plains AAA (325) 793-8490 1323 58th Street (800) 928-2262 PO Box 3730 Freedom Station Counties served: Brown, Callahan, Coleman, Comanche, Lubbock, TX 79412 Eastland, Fisher, Haskell, Jones, Kent, Knox, Mitchell, (806) 687-0940 Nolan, Runnels, Scurry, Shackelford, Stephens, Stonewall, (806) 687-0940 Taylor, Throckmorton Counties served: Bailey, Cochran, Crosby, Dickens, Floyd, Garza, Hale, Hockley, King, Lamb, Lubbock, Lynn, Motley, Terry, Yoakum

114

Appendix H

Local Councils of Governments

H: Local Councils of Governments

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Alamo Area Council of Governments Central Texas Council of Governments (AACOG) (CTCOG) 8700 Tesoro Drive, Suite 700 PO Box 729 San Antonio, TX 78217 Belton, TX 76513-0729 (210) 362-5200 (254) 770-2200 www.aacog.com www.ctcog.org Member Counties: Atascosa, Bandera, Bexar, Comal, Member Counties: Bell, Coryell, Hamilton, Lampasas, Frio, Gillespie, Guadalupe, Karnes, Kendall, Kerr, Milam, Mills, San Saba Medina, Wilson Coastal Bend Council of Governments Ark-Tex Council of Governments (CBCOG) (ARK-TEX COG) stop Box 9909 PO Box 5307 Corpus Christi, TX 78469-9909 Texarkana, TX 75503 (361) 883-5743 (903) 832-8636 www.cbcog98.org www.atcog.org Member Counties: Aransas, Bee, Brooks, Duval, Jim Member Counties: Bowie, Cass, Delta, Franklin, Wells, Kenedy, Kleberg, Live Oak, McMullen, Nueces, Hopkins, Lamar, Morris, Red River, Titus Refugio, San Patricio

Brazos Valley Council of Governments Concho Valley Council of Governments (BVDC) (CVCOG) PO Drawer 4128 PO Box 60050 Bryan, TX 77805-4128 San Angelo, TX 76906-0050 (979) 595-2800 (325) 944-9666 www.bvcog.org www.cvcog.org Member Counties: Brazos, Burleson, Grimes, Leon, Member Counties: Coke, Concho, Crockett, Irion, Kimble, Madison, Robertson, Washington Mason, McCulloch, Menard, Reagan, Schleicher, Sterling, Sutton, Tom Green Capital Area Council of Governments (CAPCOG) Deep East Texas Council of Governments 6800 Burleson Road, Bldg 310 #165 (DETCOG) Austin, TX 78744 210 Premier Drive (512) 916-6000 Jasper, TX 75951 www.capcog.org (409) 384-5704 Member Counties: Bastrop, Blanco, Burnet, Caldwell, www.detcog.org Fayette, Hays, Lee, Llano, Travis, Williamson Member Counties: Angelina, Houston, Jasper, Nacogdoches, Newton, Polk, Sabine, San Augustine, San Jacinto, Shelby, Trinity, Tyler

115

Appendix H

Local Councils of Governments

East Texas Council of Governments Middle Rio Grande Development Council (ETCOG) (MRGDC) 3800 Stone Road PO Box 1199 Kilgore, TX 75662 Carrizo Springs, TX 78834-1199 (903) 984-8641 (830) 876-3533 www.etcog.org www.mrgdc.org Member Counties: Anderson, Camp, Cherokee, Gregg, Member Counties: Dimmit, Edwards, Kinney, La Salle, Harrison, Henderson, Marion, Panola, Rains, Rusk, Maverick, Real, Uvalde, Val Verde, Zavala Smith, Upshur, Van Zandt, Wood Nortex Regional Planning Commission Golden Crescent Regional Planning (NORTEX) Commission PO Box 5144 (GCRPC) Wichita Falls, TX 76307-5144 120 S. Main, Suite 210 (940) 322-5281 Victoria, TX 77901 www.nortexrpc.org (361) 587-1587 x229 Member Counties: Archer, Baylor, Clay, Cottle, Foard, www.gcrpc.org Hardeman, Jack, Montague, Wichita, Wilbarger, Young Member Counties: Calhoun, DeWitt, Goliad, Gonzales, Jackson, Lavaca, Victoria North Central Texas Council of Governments (NCTCOG) Heart of Texas Council of Governments PO Box 5888 (HOTCOG) Arlington, TX 76005-5888 1514 New South Road (817) 640-3300 Waco, TX 76711 www.nctcog.dst.tx.us (254) 292-1800 Member Counties: Collin, Dallas, Denton, Ellis, Erath, www.hotcog.org Hood, Hunt, Johnson, Kaufman, Navarro, Palo Pinto, Member Counties: Bosque, Falls, Freestone, Hill, Parker, Rockwall, Somervell, Tarrant, Wise Limestone, McLennan Panhandle Regional Planning Commission Houston-Galveston Area Council of (PRPC) Governments (H-GAC) PO Box 9257 PO Box 22777 Amarillo, TX 79101 Houston, TX 77227-2777 (806) 372-3381 (713) 627-3200 www.prpc.cog.tx.us www.h-gac.com Member Counties: Armstrong, Briscoe, Carson, Castro, Member Counties: Austin, Brazoria, Chambers, Childress, Collingsworth, Dallam, Deaf Smith, Donley, Colorado, Fort Bend, Galveston, Harris, Liberty, Gray, Hall, Hansford, Hartley, Hemphill, Hutchinson, Matagorda, Montgomery, Walker, Waller, Wharton Lipscomb, Moore, Ochiltree, Oldham, Parmer, Potter, Randall, Roberts, Sherman, Swisher, Wheeler Lower Rio Grande Valley Development Council (LRGVDC) Permian Basin Regional Planning 301 W. Railroad Street Commission (PBRPC) Weslaco, TX 78591 PO Box 60660 (956) 682-3481 Midland, TX 79711-0660 www.lrgvdc.org (432) 563-1061 Member Counties: Cameron, Hidalgo, Willacy http://www.pbrpc.org/ Member Counties: Andrews, Borden, Crane, Dawson, Ector, Gaines, Glasscock, Howard, Loving, Martin, Midland, Pecos, Reeves, Terrell, Upton, Ward, Winkler

116

Appendix H

Local Councils of Governments

Rio Grande Council of Governments South Texas Development Council (STDC) (RGCOG) PO Box 2187 1100 North Stanton, Suite 610 Laredo, TX 78044-2187 El Paso, TX 79902 (956) 722-3995 (915) 533-0998 www.stdc.cog.tx.us www.riocog.org Member Counties: Jim Hogg, Starr, Webb, Zapata Member Counties: Brewster, Culberson, El Paso, Hudspeth, Jeff Davis, Presidio Texoma Council of Governments (TEXOMA) 1117 Gallagher Drive, Suite 100 South East Texas Regional Planning Sherman, TX 75090 Commission (SETRPC) (903) 813-3512 2210 Eastex Freeway www.texoma.cog.tx.us Beaumont, TX 77703 Member Counties: Cooke, Fannin, Grayson (409) 899-8444 www.setrpc.org West Central Texas Council of Governments Member Counties: Hardin, Jefferson, Orange (WCTCOG) 3702 Loop 322 South Plains Association of Governments Abilene, TX 79602 (SPAG) (325) 672-8544 PO Box 3730 http://wctcog.org Lubbock, TX 79412 Member Counties: Brown, Callahan, Coleman, (806) 762-8721 Comanche, Eastland, Fisher, Haskell, Jones, Kent, Knox, www.spag.org Mitchell, Nolan, Runnels, Scurry, Shackelford, Stephens, Member Counties: Bailey, Cochran, Crosby, Dickens, Stonewall, Taylor, Throckmorton Floyd, Garza, Hale, Hockley, King, Lamb, Lubbock, Lynn, Motley, Terry, Yoakum

117

Appendix I

Local Legal Aid Services

I: Local Legal Aid Services

Local legal aid organizations provide civil legal representation and advice at little or no cost to low-income individuals who cannot afford a lawyer. Legal aid focuses on legal issues relating to basic needs, self-sufficiency, children and families, the elderly and disabilities and housing and homelessness prevention.

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Legal Aid of Northwest Texas - Abilene Legal Aid of Northwest Texas - Fort Worth 500 Chestnut, Ste 901 600 E. Weatherford Abilene, TX 79602 Fort Worth, TX 76102 (325) 677-8591 (817) 336-3943 (800) 933-8591 (800) 394-9734 Counties Served: Callahan, Eastland, Fisher, Haskell, Counties Served: Erath, Hood, Johnson, Palo Pinto, Jones, Mills, Mitchell, Nolan, Scurry, Shackelford, Somervell, Tarrant Stephens, Stonewall, Taylor, Throckmorton Legal Aid of Northwest Texas - Lubbock Legal Aid of Northwest Texas - Amarillo 1220 Broadway, Ste. 1601 203 W. 8th Street, Ste 600 Lubbock, TX 79401 Amarillo, TX 79101 (806) 763-4557 (806) 373-6808 (800) 763-4557 (800) 955-6808 Counties Served: Borden, Cochran, Crosby, Dawson, Counties Served: Armstrong, Carson, Collingsworth, Dickens, Gaines, Garza, Hockley, Kent, Lubbock, Lynn, Dallam, Deaf Smith, Donley, Gray, Hansford, Hartley, Terry, Yoakum Hemphill, Hutchinson, Lipscomb, Moore, Ochiltree, Oldham, Potter, Randall, Roberts, Sherman, Wheeler Legal Aid of Northwest Texas - McKinney 901 N. McDonald Street #702 Legal Aid of Northwest Texas – Brownwood McKinney, TX 75069 300 North Fisk Avenue (972) 542-9405 Brownwood, TX 76801 (800) 906-3045 (325) 646-8659 Counties Served: Collin, Fannin, Grayson, Hunt, Rockwall Counties Served: Brown, Comanche, Coleman, San Saba, McCulloch, Mills Legal Aid of Northwest Texas - Midland 212 N. Main Street, Ste 101 Legal Aid of Northwest Texas - Dallas Midland, TX 79701 1515 Main Street (432) 686-0647 Dallas, TX 75201 (800) 926-5630 (214) 748-1234 (888) 529-5277 Counties Served: Glasscock, Howard, Martin, Midland, Reagan, Upton Counties Served: Dallas Legal Aid of Northwest Texas - Odessa Legal Aid of Northwest Texas - Denton 620 N. Grant Street, Ste 410 625 Dallas Drive, Ste 350 Odessa, TX 79761 Denton, TX 76205 (432) 332-1207 (940) 383-1406 (800) 955-1207 (800) 955-1407 Counties Served: Andrews, Crane, Ector, Loving, Ward, Counties Served: Cooke, Denton, Jack, Montague, Wise Winkler

118

Appendix I

Local Legal Aid Services

Legal Aid of Northwest Texas - Plainview Lone Star Legal Aid - Beaumont 305 W. 7th Street 2345 IH-10 E Suite 3 Plainview, TX 79072 Beaumont, TX 77704 (806) 293-8491 (409) 835-4971 (800) 955-8491 (800) 365-1861 Counties Served: Bailey, Briscoe, Castro, Floyd, Hale, Counties Served: Hardin, Jefferson, Liberty Orange Hall, Lamb, Motley, Parmer, Swisher Lone Star Legal Aid - Belton Legal Aid of Northwest Texas - San Angelo 512 S. Main 17 S. Chadbourne, Ste 403 Belton, TX 76513 San Angelo, TX 76903 (254) 939-5773 (325) 653-6982 (800) 234-6606 800 284-5180 Counties Served: Bell, Coryell, Hamilton, Lampasas, Counties Served: Coke, Concho, Irion, Menard, Runnels, Milam Schleicher, Sterling, Tom Green Lone Star Legal Aid - Bryan Legal Aid of Northwest Texas - Waxahachie 200 E. 24th Street, Ste A 110 E. Main Street #200 Bryan, TX 77803 Waxahachie, TX 75165 (979) 775-5050 (972) 923-3344 (800) 570-4773 (866) 614-3344 Counties Served: Austin, Brazos, Burleson, Fayette, Counties Served: Ellis, Kaufman Grimes, Lee, Leon, Madison, Robertson, Washington

Legal Aid of Northwest Texas - Weatherford Lone Star Legal Aid - Conroe 100 Austin Place, Ste. 208 412 W. Lewis Street Weatherford, TX 76086 Conroe, TX 77301 (817) 594-6332 ((936) 539-2130 (800) 967-6708 (888) 595-8969 Counties Served: Erath, Hood, Johnson, Palo Pinto, Counties Served: Montgomery, Polk, San Jacinto, Rinity, Parker, Somervell Walker, Waller

Legal Aid of Northwest Texas - Wichita Falls Lone Star Legal Aid - Galveston 703 Scott Avenue 2200 Market Street #301 Wichita Falls, TX 76301 Galveston, TX 77550 (940) 723-5542 (409) 763-0381 (800) 926-5542 (800) 551-3712 Counties Served: Archer, Baylor, Childress, Clay, Cottle, Counties Served: Chambers, Galveston Foard, Hardeman, King, Knox, Wichita, Wilbarger, Young Lone Star Legal Aid - Houston 1415 Fannin Street Lone Star Legal Aid - Angleton Houston, TX 77002 126 N. Velasco Street (713) 652-0077 Angleton, TX 77515 (800) 733-8394 (979) 849-6464 Counties Served: Chambers, Fort Bend, Galveston, (800) 244*5492 Harris, Montgomery, Polk, San jacinto, Trinity, Walker Counties Served: Brazoria, Colorado, Matagorda, Wharton

119

Appendix I

Local Legal Aid Services

Lone Star Legal Aid - Longview Lone Star Legal Aid - Tyler 140 E. Tyler, Ste. 150 110 N. College #302 Longview, TX 75601 Tyler, TX 75702 (903) 758-9123 (903) 595-4781 (800) 866-0821 (800) 248-0048 Counties Served: Camp, Gregg, Harrison, Marion, Counties Served: Henderson, Rains, Smith, Van Zandt, Panola, Rusk, Upshur Wood

Lone Star Legal Aid - Nacogdoches Lone Star Legal Aid - Waco 414 E. Pillar Street 900 Austin Avenue 7th Fl. Nacogdoches, TX 75961 Waco, TX 76701 (936) 560-1455 (254) 756-7944 (800) 354-1889 (800) 299-5596 Counties Served: Anderson, Angelina, Cherokee, Counties Served: Bosque, Falls, Freestone, Hill, Houston, Jasper, Nacogdoches, Newton, Sabine, San Limestone, McLennan, Navarro Augustine, Shelby, Tyler Texas Riogrande Legal Aid Lone Star Legal Aid - Paris 300 S. Texas 164 6th Street SE Weslaco, TX 78596 Paris, TX 75460 (956) 447-4800 (903) 785-8711 (800) 369-0574 (800) 925-5802 Counties Served: Aransas, Atascosa, Bandera, Bastrop, Counties Served: Delta, Franklin, Hopkins, Lamar, Bee, Bexar, Blanco, Brewster, Brooks, Burnet, Caldwell, Morris, Red River, Titus Calhoun, Cameron, Comal, Crockett, Culberson, DeWitt, Dimmit, Duval, Edwards, El Paso, Frio, Gillespie, Lone Star Legal Aid - Texarkana Goliad, Gonzales, Guadalupe, Hays, Hidalgo, Hudspeth, 1425 College Drive, Ste. 100 Jackson, Jeff Davis, Jim Hogg, Jim Wells, Karnes, Texarkana, TX 75503 Kendall, Kenedy, Kerr, Kimble, Kinney, Kleberg, La Salle, (903) 793-7661 Lavaca, Live Oak, Llano, Mason, Maverick, McMullen, (800) 568-3857 Medina, Nueces, Pecos, Presidio, Real, Reeves, Refugio, Counties Served: Bowie, Cass San Patricio, Starr, Sutton, Terrell, Travis, Uvalde, Val Verde, Victoria, Webb, Willacy, Williamson, Wilson, Zapata, Zaval

120

Acronyms

ACRONYM AGENCY NAME AAA Local Area Agencies on Aging AHNS Affordable Housing Needs Score AMFI Area Median Family Income ARRA American Recovery and Reinvestment Act of 2009 CAA Community Action Agency CAP Community Action Program CHDO Community Housing Development Organization DADS Texas Department of Aging and Disability Services DARS Texas Department of Assistive and Rehabilitative Services DAW Disability Advisory Workgroup DSHS Texas Department of State Health Services’ EA Energy Assistance ESGP Emergency Shelter/Solutions Grant Program FEMA Federal Emergency Management Agency FHA Federal Housing Administration FHEC Fair Housing Enforcement Center FHEO Office of Fair Housing and Equal Opportunity FHFA Federal Housing Finance Agency FHIP Fair Housing Initiatives Program FTHB First Time Homebuyer Program HHSC Texas Health and Human Services Commission HOME HOME Investment Partnerships Program HOPWA Housing Opportunities for Persons with AIDS HRC Housing Research/Resource Center HTC Housing Tax Credits Program HTF Housing Trust Fund HUD U.S. Department of Housing and Urban Development LIHEAP Low Income Home Energy Assistance Program MCC Mortgage Credit Certificate NFMC National Foreclosure Mitigation Counsel NLIHC National Low Income Housing Coalition NOFA Notice of Funding Availability PHA Public Housing Agency PSH Permanent Supportive Housing PUC Public Utility Commission Section 8 Program Housing Choice Voucher Program SHC Colonia Self-Help Centers SLIHP State Low Income Housing Plan and Annual Report TANF Temporary Assistance for Needy Families TBRA Tenant-Based Rental Assistance TDHCA Texas Department of Housing and Community Affairs TDA Texas Department Agriculture TSAHC Texas State Affordable Housing Corporation TSHEP Texas Statewide Homebuyer Education Programs TWC Texas Workforce Commission. USDA United States Department of Agriculture VA Veteran’s Administration WAP Weatherization Assistance Program

121 TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS Street Address: 221 East 11th Street, Austin, TX 78701 Mailing Address: PO Box 13941, Austin, TX 78711 Main Number: 512-475-3800 Toll Free: 1-800-525-0657 Email: [email protected] Web: www.tdhca.state.tx.us