Apartments for Cheap

Questions and Answers

Your Questions About Hud Apartments Rent

July 5, 2012

George asks…

Can a disabled (SSD) woman qualify for HUD if she owns her home still?

My mother has been disabled for 13 years, and using a wheelchair for more than a few moments on her feet for the last 2; unfortunately, she still lives in the same house she always has (think some of the bad Hoarders Episodes for a clue) and it’s two floors which she can’t navigate. We wanted to get her an apartment, but her disability, after health insurance, is only about $600, and that’s all she really has to live on. I’m a graduate student, and help where I can, but am unable to financially help as much as she’d need for this transition. I heard about subsidized housing, and she falls well within the income guidelines to qualify, however, I was unable to reach anyone at housing authority who could answer my question. I thought perhaps someone here might have experienced something similar. My question is this: Can my mother still qualify for subsidized rent in PA if she still owns her house? (She is unable to sell it because of the condition, and all of her possessions she can’t part with; also, the land is not valuable, as it’s between 2 houses, and we cannot demolish to sell for land because of housing ordinances in our area. So basically…she’s stuck with the house, but can’t do steps without help, and upstairs is a small room and a bathroom, in which she cooks and eats). Any experience or tips would be appreciated! Thank you!

Administrator answers:

No, she can’t qualify for subsidized housing via HUD because they do not fund second homes which is what this would be considered. I suggest she sell the house to you for some small value and the title gets changed to your name and than she can say she does not own a home and in fact will not. Than you can start to do the hard work of getting rid of the stuff she can’t move to her new apartment. Hopefully than the condition will be such that is is sellable. Also consider selling it to one of your immediate neighbors – or even both of them split evenly – they might be glad to get rid of your mother if she is a hoarder. They can demolish the house.

Lizzie asks…

Need Advice from Lawyer?

I moved into a subsidiazed apartment on January 2009. At the time that I submitted the application I was pregnant with twins my daughter and I were on the lease to a one bedroom apartment. I was also on the waiting list for a two bedroom elsewhere (at another apartment complex) In May 2009 the 2 bedroom became available and I accepted the offer. All of my information that I submitted to these 2 apartments were true (place of employment and income) The one bedroom apartment was too small to house myself and my 3 children so i wanted to break the lease but i was told that even if I do I would still have to pay the rent until they found a new occupant (this is a subsidized unit so I was getting assistance from HUD) Now my 2 bedroom apartment is teling me that HUD will not assist me with the rent because they are still helping me with the 1 bedroom in which I don’t need. I just don’t want to break the lease and continue to pay in that case I should keep the 1 bedroom instead of paying for a space I no longer lease. Will HUD still assist me with this 2 bedroom if I terminate my lease for the 1 br unit.

My 1 bedroom apartment was also burglarized after maintenance workers left my door unlocked they took my tv baby stroller computer and dvd player which is another reason I want to break the lease
I filed a police report for the matter

Administrator answers:

If you can prove the negligence of the maintenance workers it would be sufficent grounds to break the lease. Did you file a police report? You should have.

If you signed a lease with the 1st apartment you are bound to it. You will have to pay out the remainder of the lease whether you live there or not. The fact that they said you’d only have to pay the rent until they found a new occupant is them being nice to you. I suggest you tell your apartment complex that you’re interested in vacating and allow your place to be shown to new occupants so that they can find someone to move in so you can move out. This will prevent overlapping rent payments. The issue obviously is that you may lose your spot at the next apartment in the mean time. Try getting in touch with both apartment agencies and explain the problem, they may work with you – though, they’re not legally obligated to. Don’t just break your lease unless you’re finacially prepared to pay it out.

Mark asks…

Can a Lawyer Give Me Advice?

I moved into a subsidiazed apartment on January 2009. At the time that I submitted the application I was pregnant with twins my daughter and I were on the lease to a one bedroom apartment. I was also on the waiting list for a two bedroom elsewhere (at another apartment complex) In May 2009 the 2 bedroom became available and I accepted the offer. All of my information that I submitted to these 2 apartments were true (place of employment and income) The one bedroom apartment was too small to house myself and my 3 children so i wanted to break the lease but i was told that even if I do I would still have to pay the rent until they found a new occupant (this is a subsidized unit so I was getting assistance from HUD) Now my 2 bedroom apartment is teling me that HUD will not assist me with the rent because they are still helping me with the 1 bedroom in which I don’t need. I just don’t want to break the lease and continue to pay in that case I should keep the 1 bedroom instead of paying for a space I no longer lease. Will HUD still assist me with this 2 bedroom if I terminate my lease for the 1 br unit. This is not fraud I provided them with the correct information
My 1 bedroom unit was also burglarized after a maintenance worker left my door unlock

Administrator answers:

THE best way to find a lawyer is by word of mouth. Ask your: family, friends, coworkers, anyone you might know in the same situation, etc.

OR

Call your local (usually county) bar association. Ask for names of attorneys that handle apartment leases/real estate contracts. (If money is a BIG problem, you could also ask for the phone number of your local LegalAid office. – the attorneys at LegalAid are “real” attorneys, but sometimes in the field of Law, how much you are willing to pay does affect the quality you get.)

When you call the law office(s), insist on speaking with the Lawyer. Do not tell all the little details of your matter to the Secretary – save the details for the Attorney. When you get the Lawyer on the phone line, ask him/her:
-Do they give FREE, initial consultations? (most do, but not all – you have to ask, don’t assume)
- How much do they charge?
- Could you make payments on your account?
-Can they help you? OR Refer you to someone who can help you?

Good luck.

(This is based on my knowledge, information, belief, and life experiences. This was intended as personal opinion, and not intended to be used as legal advice. Seeking advice over the Internet is not a good idea – the field of Law is too complex for that. Please be careful and do your research.)

Maria asks…

My father lives in section 8 and the manager has started harassing him..?

My father lives in Section 8 housing in South Eastern NC and has lived here for a little under 4 years now. Since about August of last year, 2011, he was written up for having his dog in his lap and going into a section of the down stairs lobby. From this, he went to his psychiatrist and was able to get a letter stating that his dog is a companion animal and with that, he is able to take the dog anywhere. This does not mean that he can intentionally take him just to cause trouble. It means that if it accidentally slips his mind that the animal is in his lap, that he can not be written up and no further action can be taken. During the summer of last year, I was having car trouble and I had to stay with him for a little over a week, and whenever a visitor comes in the building, they are required to sign in, and when someone is staying the night, they remain signed in. With this, I stayed for a few days, and then I was able to find a friend to stay with, and then return in the morning. This is because he only has 14 days where someone can stay the night. First of all, HUD guidelines state that tenants have 60 days, but here, there are only 14 days. Whenever the manager is questioned about this, she states that this is not a HUD building, but he lives here under section 8 and pays rent according to HUD guidelines, and still according to her, the days are what the apartment building/property manager allows. Well, since I was not wanting to take all the days because my daughter and my brothers children might want to stay the night, and I wanted them to be able to stay if they wanted. I was leaving at night and coming back about 6:30 in the morning because my friend had to be to work and I did not want to be responsible for something happening if I was there during the day time. Well, I was accused of signing out at night, leaving the building, and coming in a back door and staying the night. Automatically, he had 4-5 of his days taken from him, and was giving a warning. This is not the main issue though. He is constantly being harassed with random “routine” inspections, and this is only to the pet owners, which there are only 4-5 residents with pets anymore. 90% of the residents are afraid to say anything to the manager confronting her of her wrongful doings because if they speak out, they are constantly threatened with evictions or some other penalties. My father is constantly being harassed like this and does not know what else to do. During the weekend, he printed up fliers, attempting to start tenant meetings to mention things that are happening and to discuss changes within the building. He was giving a warning this morning that he was not allowed to do this, but within the handbook it states that tenants are allowed to meet like this and the tenants are allowed to post them in any public area. Also, I almost forgot to mention that last week, DEA was called on him because the manager suspects that he is doing illegal drugs. The agents, there were 2 of them, came and my father and his friend( the other victim in the harassment issues from the manager) voluntarily allowed them into their apartments to search and the agents stated that this was a nonsense issue and that the case will be closed immediately. I do not know what else to do and my father is constantly stressed and depressed that he is going to be evicted because he says something. But I do believe that is what the managers problem is. She is able to take advantage of most of all of the tenants in this building except for my dad and his friend and is irks her that my Dad is not afraid of her antics. It only stresses him out that possibly by next week he will not have anywhere to live. I need to know what options we have here and what can we do to make the harassment stop, even if it means taking them to court in a civil lawsuit for harassment and defamation of character. Please, any lawyers out there or anyone experienced in civil law in the state of North Carolina, please give me some insight as to what I should do as well as him. Thanks Greatly!!

-M
He has already tried this! The only thing that happened was the harassment escalated to where it is now. From what someone stated, the building manager and the local HUD manager are “friends.” And shortly after he contacted the HUD office, he received an email stating that he needed to take his issues to the building manager and she was called out by name in the email. And that he response was that the building manager was a very nice person, but I or anyone else, including my father, has yet to see that from her. At this point, she keeps harassing and confronting my father in an attempt to deliver something that would give her a reason to evict him. I just understand how someone can have to nerve to yell at an 80 year old woman to the point where the woman is crying. Also, I did forget to mention that the maintenance man of this building is the husband to the building manager, the one who is harassing my father. So, if someone was to have a complaint against the maint
OK, apparently y’all are thinking that he makes up his own rules and things like that and that he intentionally takes his animal wherever he would like to.. I understand that the explanation is long, I am sorry. but I mean for real.. It sounds a lot like you actually know the manager, whom is not a landlord. The landlord comes in every 3 months for routine inspections. The issue is not of him being catered to by any means. The issue is that he is constantly being harassed and issued warning of eviction for no absolute reason other than 1 obvious one which is he isn’t going to allow so power hungry woman the right to yell at him and treat him as a child. I am well old enough to know better, and to be honest, I don’t think I should be called a drug addict when I haven’t ever done drugs or have ever given her a reason to think it, or has my father ever made the indication that he is on drugs other than the rx drugs that he takes regularly every day. Or the issue

Administrator answers:

You have some misconceptions about publicly paid rent. While we tax payers are paying your fathers rent for him it does NOT give him any other special privileged. He is still bound by state law (the 14 days is state law in almost all states), not can he dictate to his landlord what the housing rules will be. He can not make up his own rules or privileges.

You are also wrong about companion animals, they are NOT service animals and can not be taken anywhere a service animal can. They are pets and subject to the same pet laws and pet rules as anyone else.

Your father sounds like he thinks he should be really entitled. As an exceptionally entitled person he should live elsewhere where he can be catered to, and he sure as hell should pay for his own way, he should not expect others to be paying for his high need to be indulged.

Lisa asks…

How long should it take to schedule an appraisal and get it to underwriting for a FHA loan?

My husband and I are beginning to think my loan officer is not as good and organized as I thought he was.

We are purchasing a foreclosed home from HUD and using a FHA 203K loan- which We knew going in, it wouldn’t be as easy as 1-2-3. We submitted everything he asked for and then some in March. As the process continued, the LO said they could just use the appraisal that HUD did so we didn’t have to pay for another one. Now, more than 2 months later, he is saying they can’t because it doesn’t meet FHA guidelines and the original appraiser won’t make changes.

This is one of many things we have had to re-do since March. We have already paid for one extension with HUD and we NEED to close by June 21st.

I gave him the authorization to charge my credit/debit card on 5-24-10 for the appraisal. Since we hadn’t heard anything from him, I called him yesterday and again today- 5-27-10. He just called back to “confirm” the card number, not to tell me it has been scheduled. When I asked when could we expect for this to be done, he just kept saying bare with me, I am working on this as fast as I can ( I can’t tell). We do realize that we are not the only loan he has to work on, but we feel we’ve been VERY patient (again started this in early March). We now has less than a month to close this loan plus we can’t move in right away because of the work that is being done under the 203K loan.

Am I asking too much to demand a rush be placed on the appraisal?
Should I try to speak with a manager of the loan department to ask why this has taken so long?

Not only does our extension request expire June 21st – the apartment we rent increased the rent 30% because we had to go on month-to-month!

I even thought about changing banks but it’s too late–not too mention we have paid his bank app fees and now the appraisal fee.
PLEASE DO NOT SEND ME LINKS OF WHERE I CAN GET MORE MONEY— WHAT I WANT, IS TO GET INTO MY HOUSE!!

I AM LOOKING FOR LEGIT, HELPFUL ANSWERS—NO SPAM!!!!!!!!!

Administrator answers:

It is apparent to me that your loan officer simply has never done a 203k loan before. I agree with his earlier statement that a new appraisal doesn’t has to be done because a new appraisal isn’t going to meet FHA guidelines either. I suggest you contact his boss, if he has one, and succinctly explain the issue with the appraisal and ask that the loan be transferred to someone who is experienced with them or to ask if the boss will provide more guidance for your LO. Also make certain that the Appraisal is the only thing missing from a full file. Good Luck

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