December 2017 Newsletter
Thank You for Supporting TSAHC
TSAHC would like to thank and recognize the following for their generous contributions. All donations will support our Housing Connection training initiative for nonprofit housing organizations.


$1,000 Donation
TSAHC-Approved Lender
First Choice Loan Services
$500 Donations
TSAHC Approved Lender
Cornerstone Home Lending
TSAHC-Approved Lender
Bancorp South
TSAHC-Approved Lender
Supreme Lending
$100 Donations
Pam Anderson, TSAHC-Approved Lender
Supreme Lending

Jaylee Baker Greenway
TSAHC-Approved Lender
Guaranteed Rate

Eloy Benavides, TSAHC-Approved Lender
American Financial Network

Ana Calzada, TSAHC-Approved Lender
Wallick & Volk, Inc.
                                                        
MaryAnn Comparin Jones
TSAHC-Approved Lender
Fairway Independent Mortgage Corp.
                       
Jenni Feist, TSAHC-Approved Lender
Highlands Residential Mortgage, Ltd.
                                      
Sandra Gonzalez Marin, REALTOR®
Ridge Gate Realty
                                                                  
Ellen Hakala, TSAHC-Approved Lender
Colonial Savings, F.A.
                                                           
Jana Hellbusch, REALTOR®
All City Real Estate
                                                                  
Lucy Knox, REALTOR®
Flora Vista Realty

Kim Lewis, TSAHC-Approved Lender  
Guild Mortgage Corporation
Judy Miller, TSAHC-Approved Lender
Guild Mortgage Corporation

Diana McDowell, REALTOR®
Keller Williams Realty

Toni Sarzoza, REALTOR®
Alamo Top Realty-Vortex Realty

Mary Stephens, TSAHC-Approved Lender
Supreme Lending  

Kandace Tran, TSAHC-Approved Lender
Absolute Mortgage and Lending, a dba of Georgetown Mortgage

James Washington, REALTOR®
JWASH Real Estate

Annamaria Wise, REALTOR®
Wise Choice Realty Group

Lesli Womack, TSAHC-Approved Lender
Affiliated Bank

John Wren, TSAHC-Approved Lender
Certainty Home loans, LLC

Cheri Zaberer, TSAHC-Approved Lender
Highlands Residential Mortgage, Ltd. 

Jael Zelada, TSAHC-Approved Lender
American Financial Network
Registration for Rural Housing Preservation Academy
Closes December 31, 2017
TSAHC, the Federal Reserve Bank of Dallas , Enterprise Community Partners , the Rural Rental Housing Association of Texas and Motivation, Education, & Training, Inc. are pleased to present the Rural Housing Preservation Academy . The Academy is a series of no-cost training and peer learning sessions designed to help rural housing providers and nonprofits acquire and/or preserve USDA housing in their respective communities.

Beginning in January 2018 training sessions will be held approximately every six weeks. These training sessions will be open to existing owner/operators interested in preserving rental assistance in their properties or parties interested in acquisition for the purpose of preserving rental assistance and affordability. Click on the link below for more information on the sessions and to register.  Registration closes December 31, 2017.
Rural Housing Preservation Academy
Brought to You By:
TSAHC's DRAFT 2018 Annual Action Plan
Available for Public Comment
On December 14, TSAHC's Board of Directors approved the publication of TSAHC's DRAFT 2018 Annual Action Plan for public comment. TSAHC prepares an action plan every year, and it is incorporated into the State Low Income Housing Plan. 

The public comment period for the Draft 2018 Annual Action Plan began on December 15, 2017 and will run through January 19, 2018 . Written comment may be sent to Michael Wilt, 2200 E. Martin Luther King Jr. Blvd., Austin, Texas 78702 or by email to mwilt@tsahc.org .
 
Additionally, there will be a public hearing on the plan on Tuesday, January 16, 2018 at 2:00 p.m. at the Stephen F. Austin State Office Building, Room #170 (1700 N. Congress, Austin, Texas 78701).   
Upcoming Events
January 1 - TSAHC offices will be closed in observance of the New Year holiday.

January 10 - 11 - Rural Housing Preservation Academy, Session 1: Overview and Introduction to USDA Rural Development in San Antonio (Federal Reserve Bank of Dallas - San Antonio Branch, 402 Dwyer Ave., San Antonio) Event Page and Registration

January 15 - TSAHC offices will be closed in observance of Martin Luther King Jr. Day.

January 18 - "Overcoming the Down Payment Hurdle" class in Fort Worth hosted by Texas Bank Mortgage. The free, interactive session provides one credit of mandatory continuing education (CE) for REALTORS®.  More Information and Registration

January 22 - Statewide broadcast of "Overcoming the Down Payment Hurdle" class hosted by the Texas Association of REALTORS® in Austin. The free, interactive session is offered remotely at any local REALTOR® association office and provides one credit of mandatory continuing education (CE). Contact the Texas Association of REALTORS® at 800-873-9155 or by  email to register.

January 24 - "Overcoming the Down Payment Hurdle" class in The Woodlands hosted by Cardinal Financial. The free, interactive session provides one credit of mandatory continuing education (CE) for REALTORS®.  More Information and Registration

January 25 - "Overcoming the Down Payment Hurdle" class in Houston hosted by Supreme Lending. The free, interactive session provides one credit of mandatory continuing education (CE) for REALTORS®.  More Information and Registration

January 30 - "Overcoming the Down Payment Hurdle" class in Beaumont .The free, interactive session provides one credit of mandatory continuing education (CE) for REALTORS®.  More Information and Registration
Below are December 2017 excerpts from On the House , a blog TSAHC launched in 2014 on affordable housing topics. We invite you to drop by On the House as we explore important issues, provide an inside look into our programs, and share other valuable resources.  
A Holiday Message from
David Long
As we approach the end of another year, I’d like to thank you for your partnership and supporting our mission to provide Texans safe, decent and affordable housing. Over the years, we’ve expanded our programs to make a bigger impact, and 2017 was no different.
Digging Deeper into the Housing Affordability Problem
Rental housing affordability continues to get worse. These are the general findings of two high profile reports we’ve covered in past On the House entries. A new Freddie Mac study confirms the findings of these reports, but the scope and methodology of this study are a little different. 
Four Profiles of Middle Class Households
The term "middle class" carries a variety of meanings, and they are typically tied to the income a household earns. While there's no official definition of middle class, the Pew Research Center considers households earning between 67 percent and 200 percent of the median family income as middle class. Nationwide, that's an income range of $39,554 to $118,072 notes thebalance.com.
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