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Employer Assisted Housing (EAH) is an employer provided benefit that helps employees with their housing needs and improve the home buying or renting process for employees. At the same time EAH adds value to the employer. It is a cost effective way to help improve employee recruitment, retention, productivity, and morale, thereby improving the employer’s bottom-line.
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This presentation highlights the types of home buyer assistance programs that are underutilized, yet which are made available to qualified home buyers. Many of those who qualify are not even aware of the fact that they would qualify for such assistance. The type of assistance that is usually made available is far-ranging, from down payment assistance to interest rate breaks to closing cost reduction. The presentation begins with a layout of housing affordability pressures throughout both Georgia and the United States, with an additional emphasis on the effects that transportation costs have on metropolitan households. This creates a need for “workforce housing” which is interpreted differently from “affordable housing”. The presentation concludes with an illustration of the types of home buyer assistance opportunities that are made available through area MLS with the help of a program developed by Workforce Resource, an Atlanta-based company committed to making such opportunities available to qualified home buyers. The presentation was made at a consumer conference in Chattanooga in early 2010. The presenters were Rob Chrane, Principal of Workforce Resource, LLC, and Dr. Andy Carswell, Associate Professor at the University Georgia’s Department of Financial Planning, Housing and Consumer Economics.
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Saylor URL: http://www.saylor.org/books Saylor.org 207 Chapter 9 Buying a Home Introduction Be it ever so humble, the “biggest” purchase you ever make may be your home. Unlike most other consumer purchases, a home is expected to be more than a living space; it is also an asset that stores and increases value. The house has a dual financial role as both a nest and a nest egg. There are substantial annual operating expenses for repairs and maintenance, insurance, and taxes. Maintenance preserves a home’s value, insurance protects that value, and taxes for community services both enhance and secure its value. A home purchase is typically financed with debt that creates a significant monthly expense, the mortgage payment, in your budget. A mortgage is a long-term debt that obligates your cash flows for a long time, perhaps even reducing your choices of careers and your mobility. Your choice of home reflects personal factors in your life. These factors include your personal tastes, your age and stage of life, your family size and circumstances, your health, and your career choices. These factors are reflected in your decision to own a home, as well as in the location, size, and use of your home. 9.1 Identify the Product and the Market LEARNING OBJECTIVES 1. Describe the different building structures for residential dwellings. 2. Describe the different ownership structures for residential dwellings. 3. Identify the factors used by lenders to evaluate borrowers for mortgage credit. 4. Identify the components of the mortgage affordability calculation and calculate estimated mortgage affordability. 5. Identify the components of a buyer’s inspection checklist. 6. Explain the potential effects of business cycles, unemployment, and inflation on the housing market. 7. Analyze the effects of the demand for housing financing on the housing market. http://creativecommons.org/licenses/by-nc-sa/3.0/ http://www.saylor.org/books Saylor URL: http://www.saylor.org/books Saylor.org 208 Renting a Home If you have already decided on a goal of home ownership, you have already compared the costs and benefits of the alternative, which is renting. Renting requires relatively few initial legal or financial commitments. The renter signs a lease that spells out the terms of the rental agreement: term, rent, terms of payments and fees, restrictions such as pets or smoking, and charges for damages. A renter is usually required to give the landlord a security deposit to cover the landlord’s costs of repairs or cleaning, as necessary, when the tenant moves out. If the deposit is not used, it is returned to the departing tenant (although without any interest earned). Some general advantages and disadvantages of renting and owning are shown in Figure 9.2 "Renting versus Owning". Figure 9.2 Renting versus Owning The choice of whether to rent or to own follows the pattern of life stages. People rent early i.
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