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THE PHILLY PRIMER: Housing Resources for People with Disabilities WINTER 2009 THE PHILLY PRIMER: Housing Resources for People with Disabilities Fourth Printing — December 2009 A Publication of the Technical Assistance Program (TAP) Written by: Maggie B. McCullough, MBMconsulting Revised by: Diana T. Myers and Associates, Inc. Edited by: Diana Myers, Diana T. Myers and Associates, Inc. Diana T. Myers and Associates, Inc. 6 South Easton Road, Glenside, PA 19038 This publication was funded by the City of Philadelphia’s Office of Housing and Community Development, and is available online at the TAP website: www.newsontap.org/primer.html. Acknowledgements Information included in this Guide was obtained from a number of organizations, their publications and web sites. The Office of Housing and Community Development wishes to recognize the following organi- zations and resources, in particular, for their invaluable contributions to this Guide: Philadelphia Association of Community Development Corporations (PACDC) Philadelphia Corporation on Aging (PCA) Housing Resources for the Elderly in Philadelphia Philadelphia Housing Authority (PHA) Pennsylvania Housing Finance Agency (PHFA) Pennsylvania Department of Public Welfare, Office of Mental Health and Substance Abuse Services Compendium of Housing Programs in Pennsylvania Self-Determination Housing Project of Pennsylvania My Own Keys CHOICES: A Housing Resource Guide Homeownership Training Program for People with Disabilities TAIG Development Services Corporation and Liberty Resources, Inc. The Philadelphia Homeownership Demonstration Project for Persons with Disabilities U.S. Department of Housing and Urban Development (HUD) Diana T. Myers and Associates would also like to thank the people who reviewed draft versions of this guide to ensure that all of the information provided here is up-to-date. Frank Bobak, Pennsylvania Housing Finance Agency Nakea Fuller, Philadelphia Housing Authority Susan Klein, Philadelphia Corporation on Aging Robert Meek, Disability Rights Network of Pennsylvania Nancy Salandra, Disabled in Action of Pennsylvania Kathleen Sheridan, T.J. McCarthy Realty, Inc. Michael Weingram, Project Development & Consulting Associates Every effort was made to include all of the relevant housing resources for people in Philadelphia with disabilities. If you find that we overlooked any program or have updated information, please let us know by calling TAP at (215) 576-1150 ext. 4. Photos provided by: Tiger Productions, courtesy the Office of Housing and Community Development, the Philadelphia Corporation on Aging and the Self-Determination Housing Project of Pennsylvania. 2 Table of Contents How to Use This Guide . .8 J Chapter 1 of Contents Table Renting an Affordable Home Introduction . .12 Renting on the Private Market. .13 Renting Subsidized Housing. .. .14 Conventional Public Housing. .14 Privately Owned & Managed Public Housing . .18 Housing Choice Vouchers (Formerly the Section 8 Program). .20 HCV Mainstream Program. .20 Privately Owned Subsidized Rental Units . .21 J Chapter 2 Buying a Home Introduction . .44 How to Buy Your Own Home. .45 Homeownership and Disability Benefits . 48 Buying a Home with Other People . .48 Financing Programs . 49 U.S. Department of Housing and Urban Development (HUD) Mortgage Programs FHA Insurance. .50 The 203(k) Loan Program . .50 HUD Homes. .51 Homeownership Vouchers .. .51 Fannie Mae Programs Fannie 97 and Fannie 3/2. 52 MyCommunityMortgage.. .52 Expanded Approval. 52 Reverse Mortgage . 53 HomeStyle Renovation Mortgage . .53 3 Veterans Administration Programs Specially Adapted Homes. 54 VA Homes . 54 Pennsylvania Housing Finance Agency (PHFA) Programs Home Loan Programs . 55 Keystone Assistance. 55 Homestead Downpayment and Closing Cost Assistance Loan Program . 56 Access Home Modification Program .. 56 Access Downpayment and Closing Cost Assistance Loan Program . 56 Purchase Improvement Program . 56 Pennvest Individual On-Lot Sewage System Repair Program . .57 Community Homechoice Loan . 57 Office of Housing and Community Development (OHCD) Programs American Dream Downpayment Initiative . .58 Settlement Assistance Grant. 58 Philadelphia Housing Development Corporation (PHDC) Programs Homestart Program. 59 Organizations Providing Housing Assistance Just for People with Disabilities Liberty Resources, Inc.. 60 Self-Determination Housing Project of Pennsylvania . 60 Mental Health Association of Southeastern Pennsylvania (MHASP). 61 Project Development & Consulting Associates. .. 61 J Chapter 3 Staying in Your Current Home or Apartment Fixing or Modifying Your Current Home. .64 Financial Assistance for Home Modifications or Repairs Modifications Adaptive Modification Program . 66 Homescapes, Inc. .66 JEVS – Supports for Independence.. .67 Pennsylvania Assistive Technology Financing Program.. 67 Pennsylvania’s Initiative on Assistive Technology . 68 Philadelphia Home Improvement Loan (PHIL). 68 Senior Housing Assistance Repair Program (SHARP) . 69 UCP Community Resource Funds. 69 Basic Systems Repair Program . 70 Emergency Heater Hotline . .71 Home Improvement Loan Program (Title I) . 71 Weatherization Program . .72 4 Utility and Mortgage Assistance Programs For Renters and Owners Connect 2-1-1 Program . .73 First Call for Help . .73 The Beehive. 74 Low-Income Home Energy Assistance Program (LIHEAP) . .74 Neighborhood Energy Centers. .74 PECO Customer Assistance Program (CAP). .76 Utility Emergency Services Fund. 76 Tenant Union Representative Network (TURN) . .76 For Owners Only Homeowners Emergency Mortgage Assistance Program (HEMAP) . .77 Philadelphia Water Department Assistance Programs . 77 J Chapter 4 Resources Legal Services The Center for Disability Law & Policy . 82 Community Legal Services. 82 Disability Rights Network of Pennsylvania. .83 AIDS Law Project . 83 Public Interest Law Center of Philadelphia . .83 Philadelphia Legal Assistance . 84 SeniorLAW Center . 84 Community Development Corporations (CDCs) . ..