When you apply for emergency rental help, be ready to show an agreement signed by you and your landlord that shows where you live and your rental payment amount. Four in 5 landlords use criminal background screening when evaluating tenant applications,101 and people with criminal records are often ineligible for public and supportive housing programs.102 These barriers disproportionately affect people of color and contribute to the cycle of housing insecurity and incarceration.103 Repealing these restrictions and practices while jointly adopting automated record-clearing programs, such as the Clean Slate Initiative,104 would help provide access to affordable housing and keep people lodged. This summary of the literature on Housing Instability as a social determinant of health is a narrowly defined examination that is not intended to be exhaustive and may not address all dimensions of the issue. Finda rental assistance programforyour state, tribe, or localarea. hbbd```b``vA$$,&WaDY0yl'BIB\[A$`9`` L&uEMa`@d(/$>9a"L] O k6 Ct@ : The Office of Housing Stability (OHS) is constantly looking for new ways to partner with undergraduate and graduate students. 230 0 obj <>/Filter/FlateDecode/ID[<1EE02C84DA744D4784F61DE02328B05A>]/Index[208 39]/Info 207 0 R/Length 108/Prev 359524/Root 209 0 R/Size 247/Type/XRef/W[1 3 1]>>stream Receipt due to past No Past Due Rent or Late Fees - If you do not have delinquent rent and/or late fees, we will need to collect additional information from you to determine your eligibility for the program. How can I show where I live and how much rent I agreed to pay? A past due utility or rent bill or eviction notice, Proof that you live in unsafe or unhealthy living conditions, or, Other proof that the program asks you for, Proof that you paid utilities for your home or apartment unit (like a water bill), Other paperwork that shows regular rent payments, or, You havent signed or co-signed a mortgage for the property that you are renting-to-own, You havent exercised an option to purchase the property. Homelessness and housing insecurity among former prisoners. They must also have reasonable procedures in place to prevent fraud. As recent analyses show, renters of color are experiencing disproportionate negative outcomes from COVID-19. To find the latest CAP resources on the coronavirus, visit ourcoronavirus resource page. Examples of documentation may include: Notice of eviction; Past due notice of rent or past due utility bill; Shutoff notice from utility company; Proof of unsafe living conditions. (see Figures 1 and 2) With communities of color also navigating the collective pain of higher rates of COVID-19 cases, hospitalizations, and deaths,30 they must face additional medical and funeral costs in addition to potential lost employer-sponsored health insurance and reduced household income due to unemploymentor worse, the loss of an income-earners life. Your applications will not be fully submitted until your landlord has responded to the recommendation request and has submitted required documentation. doi: 10.7758/RSF.2015.1.2.04, Geller, A., & Curtis, M. A. To be eligible for help covering your rent, you must have an agreement to pay rent for your home or mobile home lot. Applicants indicate they have received a past due or eviction notice and then are asked if they can provide and upload that document. This term is preferable to Latino, which is not gender-inclusive. If you need help paying your past and future rent, apply for rental assistance today. var subscribe = document.getElementById('enSubscribeFooter'); The federal ERA Program allows local programs to help with moving expenses, security deposits, rental applications or screening fees. For instance, if your rent is subsidized by a federal agency like the Department of Housing and Urban Development (HUD), you cant get help from your local program to cover the federally subsidized portion of your rent. They restrict access to resources, increase criminal-legal involvement for many, perpetuate poverty,72 have not been found to be effective in decreasing homelessness, and cost taxpayers more than if housing were provided to people experiencing homelessness.73, Anti-homeless legislation disproportionately affects Black, Native American, and Latinx individuals, who are often already more justice-involved.74 People who are not currently experiencing homelessness may also be targeted by these laws, which advocates argue do more harm than service and should be litigated.75, During the COVID-19 pandemic, public health experts and local law enforcement have differed in their approach to anti-homeless laws. Albany Government Law Review, 2, 1. Housing affordability and health: Evidence from New York City. V@xYdpYJ8B0T\&t`*PyC" i(8yvL,LLB\,230P4S5c o6?02hs0igHdfpYb^33s0053. Grantees should adjust the list of programs to reflect additional programs available in their jurisdiction. Social Science Research, 40(4), 11961213. Homelessness, health status, and health care use. 6800, 116th Cong., 2nd sess. As a result, in addition to filling out the application `HU9xB4O7003p;X$hkboii`s:i@ZDc*@ HB3 The Center for American Progress is an independent nonpartisan policy institute that is dedicated to improving the lives of all Americans through bold, progressive ideas, as well as strong leadership and concerted action. Renters of color are more cost-burdened. doi: 10.1007/s13524-015-0419-9, DeLuca, S., Garboden, P. M., & Rosenblatt, P. (2013). We offer free counseling to landlords to support owner and tenant stabilization. There has been a long history of housing insecurity for people of color in the United States due to racially targeted policies and widespread discrimination, particularly within the rental housing market. 1437a(b))).2 While there are some differences in eligibility between ERA1 and ERA2, the eligibility Before COVID-19, half of all renters were moderately or severely cost-burdened, with at least 30 to 50 percent of their household income going toward housing costs.9 Cost-burdened renters, particularly those of color, are the most at risk of eviction due to the increased likelihood of missing rent payments. http://nlihc.org/sites/default/files/Renters_in_Foreclosure_2012.pdf [PDF 428 KB], Busacker, A., & Kasehagen, L. (2012). Rent burden, housing subsidies and the well-being of children and youth. Our goal is to put residents on the path to housing stability. OHS is looking for students who share an interestin: Interns with OHS will have the opportunity to learn from staff who are knowledgeable about housing resources for tenants and landlords. This includes electricity, gas, fuel oil, water and sewer, and trash removal. Affording housing at the expense of health: Exploring the housing and neighborhood strategies of poor families. It is clear that the coronavirus pandemic is affecting renters of color differently, exacerbating past inequality, and leading the path to a future of worsening inequality. Due to historic and current policies as well as systemic racism in housing, criminal justice, education, employment, and health care, people of color are more likely to experience homelessness across their lifespan.23 As a result, communities of color are overrepresented in the homeless population, with nearly 40 percent of people experiencing homelessness identifying as Black, 22 percent as Latinx, 3 percent as Native American, and 2 percent as Pacific Islander.24 These racial disparities are only expected to worsen due to the impacts of the neglectful mismanagement of the coronavirus pandemic.25, Although housing insecurity affected communities of color long before COVID-19, the current pandemic continues to exacerbate inequalities. 12/1/2015) 2 Risk D: Living in a rented hotel or motel (cost is not covered by charitable org/gov program) Treasury is providing example reference screens to help grantees with implementing ERA program online applications. More research is also needed to identify how to reduce the negative effects of housing instability on health outcomes and health disparities. Upload your eviction notice or past due notice for your rent. Communities of color, disadvantaged from a long history of racism that has undermined their financial stability and housing security, now find their hardships further exacerbated by the ongoing pandemic. subscribe.submit(); Housing Policy Debate, 26(1), 172187. WebHow can I provide proof that I am at risk of housing instability to qualify for assistance? 0 American Journal of Public Health, 97(3), 464469. If your income has changed, you might qualify for lower rent. The questions and answers above are based on the Department of the Treasurys revised Frequently Asked Questions on emergency rental assistance (ERA) . Published by Articulate Storyline www.articulate.com U.S. Department of Housing and Urban Development, Office of Policy Development and Research. WebTo be eligible for housing stabilization services, the person must be on Medical Assistance and be 18 years or older. To do so, specifically when it comes to rental housing, requires: Renters of color face discrimination in obtaining and maintaining housing. endstream endobj startxref Housing instability and food insecurity as barriers to health care among low-income Americans. These crowded places put people at higher risk of getting COVID-19. The CDC halt was announced in early September, more than a month after the expiration of the CARES Act moratorium and a week after the end of the first set of 30-day notices of intent to evict. WebIf a tenant has a lease or a letter from their landlord theres no need to ask for further documentation. Eviction and the reproduction of urban poverty. The state of the nations housing 2020. Prevent evictions, July 16, 2019, available at, David Elliot, CDC Agrees: The National Eviction Crisis Is a Public Health Emergency, Coalition on Human Needs, September 2, 2020, available at, National Low Income Housing Coalition, COVID-19 & Housing/Homelessness, available at, National Low Income Housing Coalition, Housing Needs By State, available at, Coronavirus Aid, Relief, and Economic Security Act of 2020, Public Law 136, 116th Cong., 2nd sess. Housing instability also affects the Despite the success of rental assistance, roughly 16 million low-income households that need rental assistance (that is, households that spend more than 30 The use of fact-specific proxy describes the scenario where a grantee re-affirms a tenant's income self-attestation by cross-referencing it with income data about a particular population and/or a particular geographic area. Community-led and developed solutions must also be provided the funding necessary to build capacity to foster community partnerships and carry out the solutions developed. Program requirements may differ at the local level. Hide complexity from an applicant until or unless they must take action. doi: 10.2307/2137103, Cardoso, M. R. A., Cousens, S. N., de Ges Siqueira, L. F., Alves, F. M., & DAngelo, L. A. V. (2004). Kushel, M. B., Gupta, R., Gee, L., & Haas, J. S. (2006). (2014). If your household has no income, or if your employers offices have closed, it may be difficult to prove your household income. doi: 10.1007/s10995-012-0997-8, Herbert, C. W., Morenoff, J. D., & Harding, D. J. If I dont need help with rent, can I still get help with utilities, heating and cooling bills, the cost of moving, or other costs? Desmond, M. (2012). Overcrowding in the home: An empirical investigation of its possible pathological consequences. Moving to Opportunity for Fair Housing. Find out if emergency rental assistance applies to your special situation. }. Once you click all three boxes, read their content and close the windows, you can click Next to continue. This example attempts to capture a range of factors that can lead to risk of housing instability or homelessness. If youre a landlord, eligibility is based on your tenants household needs. endstream endobj startxref By May 2020, the CDC released guidance halting the clearing of outdoor encampments, though this guidance has not been implemented across many states and localities.76 Dozens of citiesincluding Washington, D.C.;77 Sacramento, California;78 and Denver, Colorado79have been reported to continue encampment clearing against this CDC guidance. The federal ERA Program allows local programs to cover rent, utilities, and home energy costs. endstream endobj 103 0 obj <. Proof of financial impact; 4. Like other renters, you may also qualify for help with utilities or other housing-related expenses. The three types of eligibility attachments required include: Proof of They may ask you for a written statement. The National Innovation Services Framework for an Equitable COVID-19 Homelessness Response, for example, took a participatory action approach to engaging communities with lived experiences with housing insecurity and homelessness in developing guidelines for decision-makers to build equity-focused COVID-19 homelessness relief approaches.84 Meaningful community partnerships must be prioritized, resourced, and sustained to ensure more equitable responses. For more detailed information on how to legally respond to an eviction notice, and the possible court proceedings, visit our eviction process overview page. var onSuccessSubmitenSubscribeSlideUp = function() { The twelve months of payments can be used to cure arrears and/or pay current housing costs. Platforms such as these recognize that an equitable recovery must be race-conscious and reconcile past harms while also providing solutions for current challenges. Decisions will be made on a case-by-case basis. (June 24, 2020), available at, Protecting Renters from Evictions and Fees Act of 2020, S. 4097, 116th Cong., 2nd sess. The goal is to demonstrate ways grantees and their partners can create online application forms that are user-friendly, succinct, and easily understood. You must sign a written statement that the information in your application is correct and complete, and that you will use the emergency rental assistance for the costs it is meant to cover. Increase in suicides associated with home eviction and foreclosure during the US housing crisis: Findings from 16 national violent death reporting system states, 20052010. American Progress would like to acknowledge the many generous supporters who make our work possible. Each local program has some flexibility in how they set up policies and procedures to suit the needs of their local community. WebProof of Housing Instability Acceptable Documents may include: Disconnected Utility Notice Self-Declaration of Homelessness Self-Declaration of Housing Instability Identification of Proof of risk of experiencing housing instability or homelessness; 5. The effects of exposure to better neighborhoods on children: New evidence from the Moving to Opportunity experiment. Defining and measuring housing stability. experiencing homelessness or housing instability, which may include (i) a past due utility or rent notice or eviction notice, (ii) unsafe or unhealthy living conditions, or This includes help paying for future utility or energy bills, even if you owe money for existing or overdue bills. Protecting programs that include a race-conscious approach means vetoing harmful actions such as the recent Executive Order on Combating Race and Sex Stereotyping,85 which will punish government contractors and nonprofits who provide trainings on race and sex diversity, equity, and inclusion by withholding federal grants for these lifesaving programs.86 It also means protecting the FHA87 and reviving the Affirmatively Furthering Fair Housing provisions that combat housing discrimination and promote community participation.88. The CARES Act required landlords to provide at least a 30-day notice to tenants before filing an evictiona protection that is not set to expire.89 This protection, and other prefiling notice requirements,90 provide tenantswho previously only had a few days notice before court involvement91more time to take the action needed to prevent their eviction or, if an eviction does occur, search for emergency housing. State and local programs are taking applications from renters and landlords to distribute money from the U.S. Department of Treasurys Emergency Rental Assistance (ERA) program in their own communities. doi: 10.2105/AJPH.2005.076190, Baggett, T. P., Hwang, S. W., OConnell, J. J., Porneala, B. C., Stringfellow, E. J., Orav, E. J., & Rigotti, N. A. A study from the University of Washington that focused on rental housing in Washington state found that, in 2018, neighborhoods with more racial diversity experienced higher rates of evictions.18 Another, earlier study, which looked specifically at King County, Washington, found that nonwhite renters faced eviction rates that were 60 percent higher than those of white renters.19 Controlling for poverty levels, New York City neighborhoods with more Black and Latinx renters also face higher rates of evictions,20 and more Black and Latinx renters than white renters report being threatened with eviction.21 And after looking at data from 2009 to 2011, the Milwaukee Area Renters Study found that Latinx renters in predominantly white neighborhoods were twice as likely to be evicted as Latinx renters in neighborhoods that were not predominantly white.22, People of color disproportionately experience homelessness. Webexperiencing homelessness or housing instability; and c. the household is a low-income family (as such term is defined in section 3(b) of the United States Housing Act of 1937 (42 U.S.C. These are the first in a series of examples demonstrating best practices for service delivery and can be an inspiration for how grantees may iterate and evolve their applications and programs to better serve tenants and landlords. Therefore, a national, comprehensive moratorium on evictions should be extended past the pandemic to ensure that renters are able to remain housed. Webhousing as a core social determinant of personal health and well-being; and substantial evidence that housing stability is essential for people to address their challenges and WebWhen completing a Housing Stabilization Services Eligibility Request, eligibility documentation must be attached. Web1. They offer eviction help for tenants and owner-occupied landlords. doi: 10.2105/AJPH.2011.300139, Meltzer, R., & Schwartz, A. Use this Area Median Income Lookup Tool from Fannie Mae to find the AMI in your area. The author would like to thank Areeba Haider and Justin Schweitzer for their fact-checking assistance; Alexandra Cawthorne Gaines, Taryn Williams, and the Race and Ethnicity Policy, Economic Policy, Government Affairs, and Executive teams, as well as the Womens Initiative and Poverty to Prosperity Program, for their review; and CAPs Editorial, Art, and Press teams for their guidance. If you live in a manufactured home or mobile home, you can get rental help. In addition, you may get help with your future rent payments, up to 3 months at a time. Either way, you must then use the money to pay what you owe. %%EOF start with the rental assistance programforyour state, tribe, or localarea. How do I apply for emergency rental assistance? https://www.congress.gov/bill/100th-congress/house-bill/558, Schanzer, B., Dominguez, B., Shrout, P. E., & Caton, C. L. (2007). This example shows a way to structure the rent assistance portion of an application. (2020). Defining and measuring housing stability. Eligibility is based on a renter households financial situation and housing needs. Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million When a family is living in Talk to your landlord. doi: 10.1056/NEJMsa1103216, Aratani, Y., Chau, M. M., Wight, V., & Addy, S. D. (2011). Rental assistance helps renters and landlords make ends meet. Certain populations, such as children who move frequently and people who have spent time in prison, may be more affected by housing instability. Units must undergo inspection to ensure compliance with HUD habitability standards before assistance can be paid. check with your local program for details, Reasonable late fees (if not included in your rental or utility debt), Moving expenses and other rental-related fees (such as security deposits, application fees, or screening fees) for families who have to move, You had to move out of your home and you dont have a permanent home elsewhere, You can provide hotel or motel bills or other evidence of your stay, and, Your local program follows the rules for this emergency rental assistance. Where can I find out if my household qualifies for rental help? WebDocumentation/proof of Housing Instability due to COVID-19 financial hardship. Check with your local program to find out if theyre using this flexibility. There are multiple ways to prove a risk of homelessness or housing instability, including: The calculated household income is less than 30% of the AMI. Landlord required documents include: WebProof of identity, which may include a clear and legible photo identification or other means of identification through id.me Lease or housing agreement that matches the applicant and landlord names. To show housing instability, you may need to sign a written statement. How can I show that I owe money for utility or home energy costs? (2015). Meanwhile, the Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act42the anticipated relief package that was originally passed in the U.S. House of Representatives in Mayand a revised version of that bill passed by the House in October43 have yet to be introduced in the U.S. Senate. WebFederal Programs and Funding to Prevent Housing Instability and Homelessness The CARES Act provides additional flexible funding to state, local, tribal, and territorial governments, You can also get help with rent for the lot that your home sits on, even if you own your manufactured home. Federal rules allow local rental assistance programs to cover rent or utilities for low-income families. I was living somewhere else, earlier in the pandemic. Proof of assessed need for services. Recent analysis estimates that the amount of back rent owed may reach as much as $34 billion by years end, with more than 20 million renters8 million householdsfacing possible eviction by January 2021.31 Renters of color disproportionately report being behind on rent, (see Figure 3) and unpaid rent continues to grow. Journal of Urban Health, 88(3), 390402. If you cannot find any program in your area, call 2-1-1 or your local housing authority for assistance. RSF: The Russell Sage Foundation Journal of the Social Sciences, 1(2), 4479. Neighborhoods with more renters of color face higher rates of eviction. However, throughout the pandemic, advocates39 have shown that these protections, while essential, have fallen short and that much more emergency action is necessary as need continues to remain high.40, The Coronavirus Aid, Relief, and Economic Security (CARES) Act, which was signed into law in March 2020, provided direly needed housing protections and homeless services aids.41 However, many of these protections and aids have expired, such as unemployment insurance benefit boosts and a moratorium on evictions for federally backed housing. Beyond these packages, other legislation focused specifically on housing has been introduced, including the Rent and Mortgage Cancellation Act,46 the Emergency Housing Protections and Relief Act,47 and the Protecting Renters from Evictions and Fees Act.48, In September, the Centers for Disease Control and Prevention (CDC) enacted a national halt on residential evictions for nonpayment of rent,49 which required renters to sign a declaration form stating that they meet certain eligibility criteria.50 This action came with the following CDC acknowledgement: Housing stability helps protect public health because homelessness increases the likelihood that people may move into close quarters in homeless shelters or other settings. Free civil legal aid to low-income people in Boston. American Economic Review, 106(4), 855902. var onSuccessSubmitenSubscribeFooter = function() { Authors note:CAP uses Black and African American interchangeably throughout many of our products. The question Did you pay your last months rent or mortgage on time? (Question 30) was asked in Phase 1 of the HPS, which includes weeks 1 through 12 (April 23 to July 21, 2020).
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proof of housing instability