Tuesday, December 5, 2023

Governor Moore Announces Program to Increase Homeownership Opportunities in Redlined Communities

 

Maryland Department of Housing and Community Development

Governor Moore Announces Program to Increase Homeownership Opportunities in Historically Redlined Communities

ANNAPOLIS, MD (December 4, 2023) — Governor Wes Moore today announced the UPLIFT (Utilizing Progressive Lending Investments to Finance Transformation) program to increase homeownership opportunities, one of the most powerful drivers of the racial wealth gap, in chronically underinvested communities with a history of redlining. Administered through the Maryland Department of Housing and Community Development, the program will address homes impacted by appraisal gaps by accelerating the pace of new construction and rehabilitation of quality affordable housing in strategically identified communities across Maryland.

"Tackling the racial wealth gap is a core priority of the Moore-Miller Administration. We must actively work to reverse decades of disinvestment through good policy decisions and innovative programs like this one," said Gov. Moore. "Maryland will be a leader in these efforts, and we will continue to expand work, wages, and wealth for all Maryland families."

UPLIFT builds on the department's past initiatives to create a public-private partnership to invest in disinvested communities. Through the program, selected developers will build, sell, and rehabilitate quality affordable housing in targeted neighborhoods in accordance with design and construction standards that ensure quality, timely production, and accountability.

Homes in these communities appraise for less than the cost to build due to patterns of historic disinvestment depressing the home values. UPLIFT funds the difference between the appraised value and the sales price, and over time the new homes will elevate home values and reduce the gap in UPLIFT neighborhoods. Additionally, 25% of the homes in the program will be reserved for households with incomes below the area median income to become homeowners.

Funded for $10 million through the Fiscal Year 2024 budget, UPLIFT builds on the department's Homeownership Works (HOW) pilot program, created in 2021. The first phase of the program is investing $10 million into new construction and rehabilitation projects in two Maryland neighborhoods, Johnston Square in Baltimore and Pine Street in Cambridge.

On November 15, the first four homes in Johnston Square rehabilitated through the pilot program were celebrated in a ribbon cutting ceremony. The four homes, valued at approximately $24,000 pre-rehabilitation, are now entering the market priced in the low $300,000 range.

"We have an opportunity to counteract historic disinvestment in our communities by building vibrant neighborhoods, improving home energy efficiency and quality of life, and building social connections between residents," said Maryland Department of Housing and Community Development Secretary Jake Day. "This is just the beginning of those efforts, and we will continue to create new opportunities for Maryland homeowners to thrive."

UPLIFT projects are required to be located in both a Low-Income Census Tract and in an area designated as a Maryland Sustainable Community. To identify qualifying areas, visit https://maryland.maps.arcgis.com/apps/instant/lookup/index.html?appid=dff652a3d61a4d79abfc64f37be38689&locale=en&findSource=2&find=12455%252C%2520Margaretville%252C%2520New%2520York.

To review the UPLIFT draft program guide, visit https://dhcd.maryland.gov/HousingDevelopment/Pages/UPLIFT.aspx. Comments will be accepted through December 29 and can be sent to UPLIFT.DHCD@Maryland.gov. The UPLIFT program application will open in early 2024.

# # #

CONTACT:
Allison Foster, Director of Communications - allison.foster@maryland.gov
Brandi Bottalico, Director, Office of Public Information - brandi.bottalico@maryland.gov



Biennial Civil Rights & Fair Housing Gala Celebration

 

Mark Your Calendars - MCCR's Biennial Civil Rights & Fair Housing Gala Celebration

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SAVE THE DATE.

SAVE THE DATE


Maryland Commission on Civil Rights'
Biennial Civil Rights & Fair Housing Gala Celebration

Celebrating Milestones: Pivotal Moments in History.


Saturday, August 24, 2024
6:00pm until 10:00 pm
at the
Maryland Live! Hotel Ballroom
7002 Arundel Mills Circle #7777
Hanover, Maryland 21076


The Maryland Commission on Civil Rights is excited to announce that our Biennial Civil Rights & Fair Housing Gala Celebration will be held on August 24, 2024, from 6:00pm to 10:00pm at the Maryland Live! Hotel Ballroom in Hanover, Maryland. This year, our theme is "Celebrating Milestones: Pivotal Moments in History." In recent years, state and local organizations have achieved crucial milestones through their diversity in leadership. The values of cultural diversity and inclusiveness involve respect for and acceptance of different philosophies and values. By incorporating different cultures, we can inspire innovations and excellence in our lives, workplaces, communities, and the world.

We look forward to seeing everyone there!

Ticket Prices & Sponsorship Opportunities to Follow - Stay Tuned

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Tuesday, November 28, 2023

Conference Assesses Positive Housing Opportunity Programs

"Connecting HUD-Assisted Renters to Opportunity"

A recent HUD report published in HUD User reports on the Bipartisan Policy Center's August, 2023 online event, “Investing in Opportunity: Rental Assistance and Neighborhoods of Choice,” featuring recent research from Opportunity Insights (OI) on the Seattle-based "Creating Moves to Opportunity" program along with a general discussion of the challenges and benefits for housing choice voucher (HCV) recipients moving to low-poverty, high-opportunity neighborhoods.

OI detailed recent research showing that children's upward economic mobility varies widely across neighborhoods nationwide. Studies have also shown that moving to higher-opportunity neighborhoods at younger ages can significantly improve outcomes later in life. Considerable research demonstrates that housing location affects essential outcomes, such as income and health, for residents, and that living in low-poverty neighborhoods with high-quality schools and low crime rates is associated with increased economic mobility and other positive effects. However, housing in these neighborhoods often is unaffordable for low-income families. 

Low-income families trying to access housing in high-opportunity neighborhoods face two big challenges: (1) finding a home to rent - one-third of high-opportunity neighborhoods are "rental deserts," many with exclusively or primarily single-family homes - and (2) being able to afford the rent. The assistance of counselors or coaches can help, especially when they are members or representatives of the community. 

For landlords, participation in the HCV program involves additional steps and paperwork, producing delays and uncertainty. Enterprise Community Partners urged policy changes to lower the regulatory burden for landlords to participate in the program and reduce the time to lease to a voucher holder.

Programs that provide housing vouchers and also ensure that the vouchers compete with market-rate rents, lower regulatory burdens for landlords, and provide additional financial supports can help low-income renters move to opportunity neighborhoods. Seattle's "Creating Moves to Opportunity" program and programs providing mobility-related services under HUD's Community Choice Demonstration are successful at increasing opportunity for HUD-assisted renters. 

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Source: Read the October 3, 2023 HUD User report.

HUD Releases Historical Analysis of Place-Based & Mobility Housing Programs

"Housing Programs and Racial Segregation: The Role of Place-Based and Mobility Programs"

by Peter J. Mateyka, Survey Statistician, Housing and Demographic Analysis Division, PD&R (2023-present).

HUD User has just released a detailed historical analysis on place-based and mobility housing programs regarding the goal of racially desegregating housing.

"Overcoming racial segregation in housing is part of the Fair Housing Act of 1968's Affirmatively Furthering Fair Housing (AFFH) mandate. Over the past 50 years, the Office of Policy Development and Research's (PD&R's) work has expanded our understanding of the relationships between HUD's housing programs and racial segregation and how HUD can design housing programs that meet the AFFH mandate of overcoming segregation, promoting fair choice, and creating inclusive communities. The research and data on HUD programs and racial segregation that PD&R produces and disseminates highlight the department's successes, failures, and challenges in the pursuit of fair housing for all. 

HUD’s housing programs include place-based programs and housing mobility programs, both of which take different approaches to connecting underserved households to quality housing. Place-based programs focus on community development through revitalizing distressed neighborhoods. Mobility programs provide subsidies to underserved households that allow them to move to high-opportunity neighborhoods with better employment and educational opportunities and lower crime rates. HUD’s proposed 2023 revisions to its AFFH rule incorporate both place-based and housing mobility approaches:

Affirmatively furthering fair housing can involve both bringing investments to improve the housing, infrastructure, and community assets in underserved communities as well as enabling families to seek greater opportunity by moving to areas of the community that already enjoy better community infrastructure and community assets.

This article reviews the history of PD&R's work on HUD's place-based and housing mobility initiatives and discusses how this work has enhanced our understanding of the relationship between housing policy and racial segregation and advanced the AFFH mandate's goal of reducing residential segregation.

Mobility programs provide subsidies to underserved households, allowing them to move to opportunity neighborhoods with better employment and educational chances, and lower crime."

The report concludes:

"PD&R’s work over the past 50 years has contributed to a better understanding of the relationship between housing programs and racial segregation, which has, in turn, helped HUD design place-based and housing mobility program designs that better adhere to its AFFH mandate to overcome segregation, promote fair choice, and create inclusive communities, However, declines in neighborhood racial segregation among all U.S. households have slowed in recent decades. Although recent HUD programs often have improved outcomes for neighborhoods and individuals, they have had mixed success at reducing racial segregation in public housing and increasing neighborhood integration for those receiving housing assistance. A promising development is HUD’s recent revisions to its AFFH mandate, which allows HUD to consider the role of race in the initial planning and design of housing programs. One of PD&R’s contributions to AFFH planning is supporting the development of a publicly released data tool that can help localities identify patterns of racial segregation and differences in neighborhood opportunity and incorporate this information into fair housing strategies."

*****

Source: Read the October 17, 2023 HUD User report.

Monday, November 27, 2023

HOW TO REPORT HOUSING DISCRIMINATION WITH HUD

https://www.hud.gov/fairhousing/fileacomplaint

If you believe your rights may have been violated, the U.S. Department of Housing and Urban Development (HUD) encourages you to report housing discrimination. Because there are time limits on when an allegation can be filed with HUD after an alleged violation, you should report housing discrimination as soon as possible. When reporting housing discrimination, please provide as much information as possible, including:

  • Your name and address.
  • The name and address of the person(s) or organization your allegation is against.
  • The address or other identification of the housing or program involved.
  • A short description of the event(s) that cause you to believe your rights were violated.
  • The date(s) of the alleged violation.

What is Housing Discrimination?

Discrimination under the Fair Housing Act (including housing that is privately owned and operated) is:

  • Discrimination in renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.
  • Discrimination on the basis of: race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, disability).
Who May File an Allegation - Anyone who has been or will be harmed by a discriminatory housing practice.

Who May Have an Allegation Filed Against Them - Property owners, property managers, developers, real estate agents, mortgage lenders, homeowners associations, insurance providers, and others who affect housing opportunities.

You can Report Housing Discrimination with HUD


ONLINE
in English (also available in Español, 中文, Tiếng Việt, 한국인, العربية, Русский, ខ្មែរ, and Soomaali).



BY PHONE
. HUD speaks your language! Talk with a HUD intake specialist by calling: 1-800-669-9777. You can also call your regional FHEO office at the phone numbers on this list.



BY MAIL
You can print out this form (also available in Español繁體中文Tiếng Việt한국인عربيРусскийខ្មែរ, and Soomaali) and mail it to your regional HUD office at the address on this list.

Assistance for Persons with Disabilities

HUD welcomes and is prepared to receive calls from individuals who are deaf or hard of hearing, as well as individuals with speech or communication disabilities. To learn more about how to make an accessible telephone call, please visit Telecommunications Relay Service - TRS.


Assistance for Persons with Limited English Proficiency

You can report housing discrimination in any language. For persons with limited English proficiency, HUD provides interpreters. HUD also provides a Spanish language version of the online report housing discrimination form. You can find descriptions of your fair housing rights in several languages other than English here.

Retaliation Is Illegal

It is illegal to retaliate against any person for making an allegation, testifying, assisting, or participating in any manner in a proceeding under HUD’s allegation process at any time, even after the investigation has been completed. 

It is illegal to retaliate against any person because that person reported a discriminatory practice to a housing provider or other authority. 

The Violence Against Women Act (VAWA) also makes it illegal for a public housing agency, owner, or manager of housing assisted under a VAWA covered housing program to retaliate against someone for seeking or exercising VAWA protections for themself or another. This includes protection for people who testify, assist, or participate in any VAWA matter on their own, or another’s, behalf. 

If you believe you have experienced retaliation, you should report housing discrimination!


Types of Allegations Investigated

HUD investigates allegations, which may be one or both of the following:

(1) Discrimination under the Fair Housing Act.

(2) Discrimination and other civil rights violations in housing and community development programs, including those funded by HUD.

(3) Discrimination Under the Violence Against Women Act.

Additional Resources

Graphic of open book and exclamation pointLearn About the Reporting Process


Graphic of web browser and question markGet Help Before Reporting Housing Discrimination


Graphic of speech bubbles and language charactersReporting in Languages Other than English


Graphic of house and magnifying glassHousing Discrimination Under the Fair Housing Act


Graphic of group of peopleHUD Multifamily Housing Complaints


Graphic of public housing buildingHousing Choice Voucher and Public Housing Complaints


*****

Source of Information: HUD’s Office of Fair Housing and Equal Opportunity.

Free Religious Accommodations Training

 

Religious Accommodations and the Law

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Religious Accommodations

Come to our Virtual Training Session to learn more about  religious accommodations and the workplace.  We will discuss relevant definitions, your religious rights and the responsibility of business owners​. This engaging training is packed full of helpful info and is open to all! 

Click HERE to register.  

Victim of Discrimination?

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