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Community Living & Community Participation

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Independent Living Connections.

Note: This website will be unavailable after September 30, 2014. They lost their funding. – dbardwell
Website provides general information/overview of independent living. Provides links to other websites for more information. (comment by Angie/Kaci) – dbardwell

National Council on Independent Living —

“NCIL is proud to offer a national policy platform that advocates for the human and civil rights of all individuals.” Website provides current information on policies and the independent living movement it also has links to SILCs and local CILs. NCIL has an annual conference. (Angie/Kaci) – dbardwell

ILRU: Independent Living Research Utilization at TIRR - Home page. ACL Administration for Community Living Home Page.

“All Americans—including people with disabilities and older adults—should be able to live at home with the supports they need, participating in communities that value their contributions. To help meet these needs, the U.S. Department of Health and Human Services (HHS) created a new organization, the Administration for Community Living (ACL). ACL brings together the efforts and achievements of the Administration on Aging, the Administration on Intellectual and Developmental Disabilities, and the HHS Office on Disability to serve as the Federal agency responsible for increasing access to community supports, while focusing attention and resources on the unique needs of older Americans and people with disabilities across the lifespan.” (Angie/Kaci) – dbardwell

Building a Life.

Provides information regarding circles of support, life in the community, health, education, work, and housing. This websites provides definitions of transition lingo used by professionals and helps parents and individuals with disabilities locate resources. Under each topic, it offers viewers a few critical ideas to consider while briefly describing the topic and skills that may be needed. The website also offers brief videos from individuals with disabilities under most topics. I really like the information the website provides consumers under the transportation link. Under this link, the site identifies the skills needed to use public transportation and it identifies resources to assist individuals in learning to drive and resources to help pay for transportation for medical appointments. I also like the page with definitions of transition words so families can become more comfortable with the terminology. This site provides families with good information and resources (Angie) – dbardwell

Community_for_All_Toolkit_Version1.1. Community Vision, Inc. NHOYOGuide. NHOYOGuideCh1. What is Home Choice Loan? Fannie Mae HomePath Minimum Down increased to 5% This weekend, Fannie Mae will be updating DU (Desktop Underwriter) to reflect the new higher minimum down payment requirements.

Fannie Mae HomePath Minimum Down increased to 5%

I’ve written about that here. This new underwriting guideline will also impact Fannie Mae HomePath mortgages, bringing the minimum down payment from 3% for owner occupied purchases to 5% down. Fannie Mae will still allow 10% down payment for investment properties using Fannie Mae HomePath. Fannie Mae HomePath mortgages are available for Fannie Mae owned foreclosures specifically designated as a “Fannie Mae HomePath” property. Fannie Mae HomePath mortgages allow for minimum down payment, do not require an appraisal and do not require mortgage insurance (with good credit). If you are preapproved to buy a Fannie Mae HomePath mortgage with 3% down (or any conventional financing with 3% down) please contact your loan officer asap to get re-qualified based on either 5% down or using another program like FHA, USDA or VA.

HSF-SFH.

The Rural Housing Service, formerly known as the Farmers Home Administration, a branch of the U.S. Department of Agriculture, offers mortgage loans with no down payment requirement and with low interest rates to low-income families and market interest rates to moderate-income families who live in rural areas. Generally, "rural areas" include settled places having a population of less than 10,000, or less than20,000, if outside any Metropolitan Statistical Area (MSA). Check with your local RHS office or a local lender for eligibility requirements, or contact Fannie Mae HomePath Services at 1-800-7FANNIE (or 1-800-732-6643). – dbardwell

Homeownership Independence Program. Community Vision’s Homeownership Independence Program empowers people with disabilities and families with 80% annual median income (AMI) or less (established by HUD) to purchase a home in the community of their choice.

Homeownership Independence Program

The fixed mortgage payment offers independence, stability, security from rent increases, and the pride of being part of a community. In 1999, we began responding to the homeownership deficit for people with disabilities in Oregon. Since that time, we have helped over 150 families and individuals buy homes, through down payment assistance, grants, credit establishment, financial management, and by connecting individuals to lenders and realtors. We believe that everyone has the right to live and thrive in the community of their choice. Making Dreams a Reality. Buying_A_Home. Departing Rosewood.