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Find-Local-Agents.com/Hamden
5,000+ housing authorities in U.S. who provide Apartments & Section 8.
www.affordablehousingonline.com
Found: 321 jobs in your area Make $15 -$100 / hour with bonuses!
CurrentLocalJobs.com/
Search for Housing By State Online. Find Homes, Apartments and Rentals.
www.HousingInfo.com
Get information on buying, selling and renting properties with Ask.com
www.ask.com
Provider of state homeownership programs, rental programs, including news and publications.
www.ahfa.com
Provider of state homeownership programs, rental programs, including news and publications.
www.ahfc.state.ak.us
Provider of state homeownership programs, rental programs, including news and publications.
www.colohfa.org
Agency in housing finance and development, and promulgates building codes to be adopted by local governments.
www.dca.state.ga.us
Provider of state homeownership programs, rental programs, including news and publications.
www.dchfa.org
State agency created to strengthen communities, provide affordable housing for people of limited income, and promote Maryland's heritage and traditions.
www.dhcd.state.md.us
Provider of state homeownership programs, rental programs, including news and publications.
www.floridahousing.org
Provider of state homeownership programs, rental programs, including news and publications.
www.hcdch.state.hi.us
Housing finance agency that provides financial and program support to create and preserve opportunities for high-quality, affordable housing for Oregonians of lower and moderate income.
www.hcs.state.or.us
Self-supporting organization that uses its resources to provide programs for affordable housing for Iowans, business development, the environment and other related programs.
www.ifahome.com
Agency builds apartments at reasonable rents, and helps moderate-income citizens buy houses.
www.ihda.org
Provider of state homeownership programs, rental programs, including news and publications.
www.ihfa.org
Provider of state homeownership programs, rental programs, including news and publications.
www.indianahousing.org
Provider of state homeownership programs, rental programs, including news and publications.
kansascommerce.com
Provider of state homeownership programs, rental programs, including news and publications.
www.kyhousing.org
Provider of state homeownership programs, rental programs, including news and publications.
www.mainehousing.org
Offers safe, affordable housing for low- and moderate-income citizens of Missouri.
www.mhdc.com
Provides affordable housing to low- and moderate-income Minnesotans.
www.mhfa.state.mn.us
Provider of state homeownership programs, rental programs, including news and publications.
www.mshomecorp.com
Makes housing affordable for North Dakota's low and moderate income residents by providing financing, management, information and other assistance.
www.ndhfa.state.nd.us
Provider of state homeownership programs, rental programs, including news and publications.
www.nhhfa.org
Provider of state homeownership programs, rental programs, including news and publications.
www.nifa.org
Housing finance and resource provider to low-income and underserved New Mexicans.
www.nmmfa.org
Creates affordable homeownership opportunities for low- and moderate-income first-time homebuyers, and provides mortgage insurance for qualifying real property loans.
www.nyhomes.org
Provider of state homeownership programs, rental programs, including news and publications.
www.phfa.org
Provider of state homeownership programs, rental programs, including news and publications.
www.rihousing.com
Issues tax-exempt bonds to finance and develop mortgage loans, issues housing tax credits and runs programs made available through the US Department of Housing and Urban Development.
www.sdhda.org
Assists low-income and low-to-moderate income South Carolinians with the purchase of a home.
www.sha.state.sc.us
Provider of state homeownership programs, rental programs, including news and publications.
www.state.ar.us
Provider of state homeownership programs, rental programs, including news and publications.
www.state.nj.us
Provider of state homeownership programs, rental programs, including news and publications.
www.state.nv.us
Provides affordable housing resources to the people of Oklahoma.
www.state.ok.us
Provider of state homeownership programs, rental programs, including news and publications.
www.state.tn.us
Responsible for the development of better communities via housing and community development programs, including low-interest mortgage financing, emergency food and shelter, rental subsidy, energy assistance, weatherization and economic developme...
www.tdhca.state.tx.us
Provider of state homeownership programs, rental programs, including news and publications.
www.uhfa.org
Assists Virginians to achieve affordable home ownership.
www.vhda.com
Finances and promotes affordable housing opportunities for low-- and moderate--income Vermonters through homeownership and rental assistance programs.
www.vhfa.org
Serves Wisconsin residents and communities by working with agencies to provide creative financing resources and information to stimulate and preserve affordable housing, small business and agribusiness.
www.wheda.com
Provider of state homeownership programs, rental programs, including news and publications.
www.wshfc.org
Public body corporate and governmental instrumentality of the state of West Virginia established to develop and improve housing for West Virginians.
www.wvhdf.com
Provider of state homeownership programs, rental programs, including news and publications.
www.wyomingcda.com
Are You Buying or Selling A Home? Find & Compare Local Realtors Now.
Find-Local-Agents.com/Hamden
5,000+ housing authorities in U.S. who provide Apartments & Section 8.
www.affordablehousingonline.com
Found: 321 jobs in your area Make $15 -$100 / hour with bonuses!
CurrentLocalJobs.com/
State housing agencies and authorities education and training also can consist of events and training activities sponsored by the US Department of Housing and Urban Development. Other national programs for certification and credentials also exist to provide ongoing training for people working with state and local housing agencies.
Get the state housing agencies and authorities education and training you need from one of the following sources:
- Obtain a degree or license in real estate to work with a state real estate agency.
- Take coursework in social work or community development to get a position with state housing authorities.
- Get ongoing training and certification for work with a state housing authority from national programs.
Action Steps
The best contacts and resources to help you get it done
Become qualified to work with a state real estate agency with a real estate degree or license
Most of the positions with a housing finance agency are for individuals with an educational background or experience working in real estate. An education credential or a license in real estate will enable you to work for a state real estate agency as an underwriter or in another position making financial and planning decisions about housing developments.
I recommend: Marylhurst University Center for Professional Real Estate Studies offers an online degree in real estate business. Another option for working with a housing finance authority is to become a licensed real estate agent, and licensing information is available for any state from RealEstateExpress.com.
Use a social work or community development degree with a state housing authority
Other employees of a state housing authority have a background in social work, human services or community development. These individuals may work more directly with the community to determine local housing needs and concerns, as well as help low-income families and individuals navigate the housing financial system.
I recommend: Canyon College offers online undergraduate and graduate degrees in social work for working with state housing agencies and authorities. The North Central Regional Center for Rural Development (NCRCRD) also offers an online master's degree in community development.
Continue your training with national programs for state housing agencies and authorities
Employees of state housing agencies also can enroll in national initiatives for continuing education, training and certification of housing professionals. National events and training programs may include anything from short-term training workshops and seminars on specialized topics to broad certification programs involving online coursework.
I recommend: The US Department of Housing and Urban Development publishes a list of current events and training programs available to state housing authority workers. The National Development Council also has a national program to become a certified Housing Development Finance Professional, which consists of four online courses.
Tips & Tactics
Helpful advice for making the most of this Guide
- • Explore a variety of degree options for becoming trained to work with a state housing authority. Additional educational credentials that may qualify you for a position in state housing include regional or city planning, public health and human resources.
The housing finance authority in your state helps low income families and people without credit get loans who, in many cases, couldn’t qualify otherwise. The state housing authority in any state works with special needs families as a bridge from state subsidized housing to ownership.
State housing agencies have immediate access to bank repossessions and HUD homes not readily available to other types of realtors. State housing authority programs work with real estate brokers to get the right people in the right houses at the right price and financing.
State and local housing agencies usually operate under a board of directors and have a variety of different relationships with the states in which they work. State housing finance agencies work not only to get people into affordable homes, but also help develop neighborhoods and sponsor community revitalization programs. Work with state housing agencies and authorities to:
1. Match poor credit or no credit clients with quality housing.
2. Invest in developing areas through state housing authority programs.
3. Find affordable loan rates, terms and special programs for qualifying clients through state housing finance agencies.
Action Steps
The best contacts and resources to help you get it done
Find state housing agencies that work with bad credit or no credit clients
Financing is a hurdle many people face when their credit history is less than stellar. With the right help, even low income home buyers find financing through state housing finance authorities and government programs.
I recommend: Try the Accent Mortgage Company down payment assistance program available in many states, and FHA's low down payment or zero down payment options.
Work with the state housing authority in developing neighborhoods
Finding quality home buyers to invest in revitalized areas or neighborhoods under development is the best way to improve home values in any area. The state housing authority has information about areas under improvement and grant and loan programs available to help in the development process.
I recommend: HUD's Community Renewal Initiative gives information about tax incentives for developments in poor urban areas. Find out about public housing and development issues by contacting the Public Housing Authorities Directors Association (PHADA) for links to state housing authorities.
Look for special programs for low income first time home buyers through state housing agencies
State housing agencies want to match the right person with the right home. It's good for community building and it's good for business owners. Getting low income families into special housing opportunities is the best way to improve old neighborhoods and make home buying dreams a reality.
I recommend: Visit the National Council of State Housing Agencies for information on state housing authorities and programs in your area. Also check out the Housing and Urban Development website for information on mixed housing communities with ownership possibilities.
Tips & Tactics
Helpful advice for making the most of this Guide
- • If you've got a difficult individual home buying situation that's difficult, don't give up. Contact your state housing authority for information on which housing agency or funding program is the right choice for your clients.
State agencies also have supportive services that assist homeless families, people with physical or mental disabilities and senior citizens. This guide aims at providing you with a basic understanding of state housing agency related key terms such as housing finance agency, mortgage revenue bonds and HOME program.
Action Steps
The best contacts and resources to help you get it done
HFA (Housing Finance Agency)
A housing finance agency is a state level authority that helps state residents meet housing requirements at affordable rates. A committee appointed by the governor of the state runs HFAs independently.
I recommend: You can understand the definition of HFAs at StableCommunities.org, an informative Web site. In addition, you can read through the glossary at Gibbons-realty.com, a real estate agency.
NCSHA (National Council of State Housing Agencies)
The nation's state HFAs together constitute the National Council of State Housing Agencies, which is a nonprofit organization for coordinating the efforts of individual HFAs. This council represents the individual state HFAs to other federal housing agencies and the government.
I recommend: To learn more about the objective and mission of NCSHA, browse through National Council of State Housing Agencies’ Web site.
MRB (Mortgage Revenue Bond)
MRBs are tax exempt bonds sold by the state housing agencies in order to finance low-cost mortgages for lower income citizens. These housing bonds have made home-ownership possible for many people.
I recommend: To learn more about MRBs, read through information at Freddie Mac, a government-sponsored housing entity.
HOME Investment Partnership
This program provides a federal grant to states and localities to cater to their diverse needs. The source of funding is flexible with agencies channelizing these funds for construction, rehabilitation and down payment assistance.
I recommend: You can read through information at the U.S. Department of Housing and Urban Development, the apex institution overseeing housing affairs of the nation.
LIHTC (Low Income Housing Tax Credit) program
All state housing finance agencies implement the LIHTC program as an alternative method for providing low cost mortgage financing and helping people buy homes. State housing agencies determine the amount of tax credits for a project depending on a qualified basis.
I recommend: You can get more information about LIHTC at The Danter Company, a real estate consulting firm.
FHA (Federal Housing Administration) loan
FHA is the federal agency that funds home ownership for low-to-moderate income borrowers. However, the loan limits vary from state to state and from county to county.
I recommend: To understand the basics of FHA, browse through information at FHAInfo.com.


