Tag Archives: real

Confused about Fair Housing?

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HAVE YOU EVER:
  • had TESTORS trying to rent/buy from you?(Fair housing & Ability Center are both testing in our area)
  • Do you try to set limits on children or people per room
  • Ever set curfews for children at your units
  • Specify Adult Hour or Kid times at the pool
  • Refuse ALL pets
  • Charge EXTRA for all pets
  • Refuse disability ramps, equipment or modifications
  • Refuse to show one of your properties
  • Enter your property on a female tenant
  • Demand tenants be married
  • Refuse to rent to a charged felon
  • Refuse to rent to people with HIV or aides
  • Refuse elderly or college student
Any one of these can cost you $10,000-$20,000-$50,000 per family member.
Come talk with Lisa Lawson-LaPointe, Development and PR Coordinator of the Ohio Civil Rights Commission. They
are the neutral Law Enforcement Agency when you get cited by Fair Housing.
A Forceful Eye Opening Experience!
Learn how to save yourself from any verbiage that can instantly put you out of business.
  • Refusal to sell or rent
  • Discrimination on terms and conditions or privilege of sale/rent
  • Discriminatory advertising
  • Disability accommodations
  • New construction / design laws
  • Appraisal exemptions
  • Brokerage services
  • Ohio Fair Plan
  • Religious/ private clubs exemptions
  • Enforcement organizations and penaltie




New Larger Meeting Location!

KNIGHTS OF COLUMBUS - 4256 Secor Rd (north of Sylvania Ave





			

			
						

	
	



				
					


	

		
		
Restoring Stability


				

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conference and fair housing insert PDF

Eligibility


    

  1. Income less than 115% Area Median Income (Family of four = $70,725) 
    2. 

  2. Less than three months mortgage payments available as liquid assets (not including retirement)
    3. 

  3. Owe less than $432,500 on first mortgage
    4. 

  4. Hardship is based on involuntary loss of income
    5. 

  5. Homeowner does not have to be behind on mortgage or in foreclosure for assistance.
    6. 

  6. Home must be owner‐occupied with 1‐4 units
    7. 

  7. Mortgage closed prior to 1/1/09
    8. 



How to Apply


    

  1. Log on to restoringstability.org. An email address is required. THIS IS THE BEST and FASTEST METHOD
    2. 

  2. Contact 888.995.HOPE (Applicant will likely be referred back to the website)
    3. 

  3. Go directly to an approved agency, including the Fair Housing Center
    4. 



Process


    

  1. An action plan is created with a counselor at an approved agency
    2. 

  2. The Ohio Housing Finance Agency will determine eligibility for the program and determine the best
    3. 



program for the homeowner
Programs


    

  1. Rescue Payment Assistance
    2. 



    

  1. Brings delinquent mortgage current
    2. 



    

  • Partial Mortgage Payment Assistance
    • 



    

  1. Assists with partial mortgage payments for up to 15 months 
    2. 



    

  • Modification Assistance with Principle Reduction
    • 



    

  1. The lender agrees to reduce the principle on the loan and this amount is matched by the state
    2. 



    

  • Transition Assistance
    • 



    

  1. When the borrower cannot afford to remain in the home, money is provided to help with finding
    2. 



new living arrangements.  

Restoring Stability guidelines state that homeowners must be screened for Making Home Affordable
(see makinghomeaffordable.gov for information) in connection with this program. Restoring Stability
and Making Home Affordable can be used in conjunction for maximum benefit and affordability for the
homeowner.  

There is NEVER a cost to apply for any program listed on this sheet. You should never pay for assistance
with a loan modification. Visit preventloanscams.org for more information.

www.toledofhc.org    419.243.6163   432 N. Superior   Toledo, OH 43604