HOUSING

 Table of Contents 

Curbed New Orleans Mapping of Recent Construction Projectsimage

A great map of ongoing and upcoming major construction projects in New Orleans.

Habitat for Humanity Homeownership Programimage

New Orleans Area Habitat for Humanity is a non-profit organization that provides the opportunity for individuals and families to purchase their own home through their First Time Homebuyers Program. moreYou can call (504) 609-3340 to make an appointment to determine if requirements are met and schedule an assessment. less

Basic Landlord-Tenant Lawsimage

LawHelp&#46org has compiled a list of renters’ laws and rights in Louisiana to assist residents with tenant/landlord issues&#46 On the LawHelp&#46org site, click on Housing, then click on Basic Landlord-Tenant Law to access the documents&#46

New Orleans Fair Market Rent Historyimage

Fair Market Rents are estimates of rental prices including utilities. moreSince the hurricane, rent has gone up considerable, as indicated by the chart linked here, compiled by GNOCDC. less


Homeowners

Urban Conservancy’s Front Yard Initiativeimage

The Front Yard Initiative is an incentive program that reimburses eligible homeowners $2.50 per square foot of paving removed- up to 500 square feet- for a max of $1,250.

Habitat for Humanity Homeownership Programimage

New Orleans Area Habitat for Humanity is a non-profit organization that provides the opportunity for individuals and families to purchase their own home through their First Time Homebuyers Program. moreYou can call (504) 609-3340 to make an appointment to determine if requirements are met and schedule an assessment. less

Lead Paint Informationimage

NOLA Unleaded provides information and advocacy regarding lead poisoning in New Orleans.

Lot Next Door Programimage

The Lot Next Door has stopped taking applications. The Lot Next Door (LND) program, managed by the New Orleans Redevelopment Authority(NORA), allows residents to purchase a NORA-owned property (including Road Home properties sold to the state) immediately next door to their own. moreCall 504-658-4400 or visit the NORA website for more information. less

Road Home and Taxesimage

This FAQ on the IRS website covers the Road Home grant as it applies to taxes&#46

Times Picayune Answer Spotimage

This weekly feature from the Times Picayune answers your recovery questions, including timely Road Home information&#46


Insurance

Track Insurance Rate Increasesimage

The Louisiana Department of Insurance website has a feature that allows consumers to look for proposed insurance rate changes greater than 10 percent. moreRate filing information on all types of homeowners insurance can be foundunder “Search Rate Filings” at the top of the “Quick Links” section on the right side of the page.To comment on the rate proposals, contact the department’s new Office of Consumer Advocacy at (800) 259-5300. less

Louisiana Insurance Guides and Publicationsimage

The Department of Insurance website lists downloadable &#46pdfs of consumer guides including insurance rate comparisons, avoiding insurance fraud, hurricane mediation publications, and more&#46 Updated 12/08&#46

Louisiana Citizens Insurance Tax Creditimage

Residential and commercial property insurance policyholders will receive an income tax credit for the Louisiana Citizens Property Insurance Corporation regular and special assessments they paid because of Hurricanes Katrina and Rita. moreYou can still file for this credit.Find out more on the Department of Revenue website. less

What if I don’t have home insurance?


Contractor Guide

LSLBC Consumer Education for Contractingimage

The Louisiana State Licensing Board for Contractors puts out a list of tips and best practices for working with contractors.

Chinese Drywall LRA Programimage

The LRA has established a $5 million program to help Road Home Applicants who had the toxic Chinese drywall installed in their home.

LouisianaRebuilds.info Contractor Education Videosimage

These videos present valuable information about hiring a contractor, creating a contract with a contractor, and avoiding a property lien.

LouisianaRebuilds.info Contractor Rating Systemimage

Find and rate contractors working locally and help our community rebuild by getting the word out about good and bad contractors&#46 Use our Contractor Rating System (with over 500 local listings and ratings) to rate a contractor you’ve used or search for contractor reviews before you hire&#46

Choose Contractors Carefullyimage

Tips from the New Orleans City Council.

Holmes on Homesimage

Tips on finding a contractor from HGTV.


Adjudicated/Blighted Property Programs

Civic Source – Tax Salesimage

Civic Source is an outsourced listing of all tax sales for various cities, including New Orleans.

New Orleans Code Enforcement Handbook (.pdf)image

The Office of Recovery & Development Administration’s Housing Code Enforcement Handbook outlines the City’s homeowner maintenance requirements and code enforcement process.

Louisiana Land Trustimage

The Louisiana Land Trust is the non profit organization formed to manage the properties that have been purchased by the State of Louisiana under the current Road Home Program. moreThe management of these properties is still being determined.Visit the website for updates and meeting announcements less


Find Housing

"Pathway to Homeownership" Soft Second Mortgage Loan Programimage

Income maximums recently increased from 80% to 120% of area median income, extending eligibility&#46
The Pathway to Homeownership Soft-Second Mortgage Loan Program offers soft-second home mortgage loans through participating lenders up to $65,000 at 0% interest with payments on the loan deferred until sale or refinance. moreIn addition, the program offers up to $10,000 closing cost assistance when buying a home that will be your principal residence.The actual amount of the soft-second loan and closing cost grant received will be determined by need and annual household income, since the goal of this loan program is to cover the “gap” between the highest affordable first mortgage loan for which you qualify and the purchase price or value of the home.The minimum amount of the first mortgage loan must be equal to at least 50% of the lesser of the purchase price of the home or the appraised value, whichever is less.

All borrowers of a Pathway to Homeownership Soft-Second Mortgage Loan must commit to remain an owner-occupant at the financed home for at least three years.

Borrowers who demonstrate continuous owner-occupancy will receive LOAN FORGIVENESS. Loan forgiveness equal to 25% of the soft second mortgage loan will be awarded after five years.Each year, after the 5th year, an additional 15% of the soft second mortgage loan will be forgiven.100% forgiveness of the soft second mortgage loan will be achieved after ten years of demonstrated continuous owner-occupancy.

Find out more on the Finance Authority website or call (504) 524-5533 or (877) 524-5533 (toll free)&#46 less

HANO Voucher Program – Become a Homeowner

HANO offers a program in which Section 8 vouchers can be used to purchase a home. moreParticipants must become financially fit, be a first-time homeowner, be employed for at least a year, satisfactorily complete HANO’s pre-assistance homeownership and housing counseling program, attend post-purchase counseling and monthly homebuyer club meetings, and earn an annual salary of at least $10,300.For more information call Audrey Williams, lead case manager in HANO’s Homeownership Department, at (504) 670-3428less

UNITY Housing Locaterimage

This online housing locater includes rentals at or below 80% of fair market rental prices&#46 Go to www&#46unityhousinglink&#46org

Louisiana Housing Searchimage

Louisiana Housing Search is a free service to list & locate affordable housing or special-needs housing. moreSearch online or call 1-877-428-8844 from 9am to 8pm Monday through Friday.

Properties are being added daily.Property owners are encouraged to list affordable housing on this site. less

HUD Disaster Victim Hotline

For housing assistance call 888-297-8685, 7 am to 8 pm daily.

FEMA Housing Assistance Informationimage

Information on housing assistance from FEMA.

Craigslist New Orleansimage

A listing of jobs, housing, household items, vehicles and more for rent and for sale in the New Orleans area


Home Loan and Grant Programs

First Time Homebuyer Tax Creditsimage

President Obama has signed an extension of the first time homebuyers tax credit. moreThis credit can provide $8,000 for first time homebuyers.The rules on income and other prerequisites have changed as well.This program extension applies to purchases of homes before April 30th, 2010. less

Neighborhood Assistance Corporation of America Home Ownership Programimage

NACA is a non-profit, community advocacy and homeownership organization that conducts homeowner counseling and helps even those with poor credit to purchase a home or refinance a predatory loan. moreNACA offers a mortgage program with no down payment, no closing costs, no fees, no requirement for perfect credit, at a below-market interest rate.NACA also offers free, comprehensive housing services such as house hunting assistance and property evaluations.Participants must become a member of NACA to receive program benefits.Find out more about the program and upcoming workshops on the website, or call a local NACA office.

New Orleans:
10555 Lake Forest Blvd, Suite 5E
New Orleans, LA 70127
504-241-2090

Baton Rouge:
10101 Siegan Lane
Baton Rouge, LA 70810
225-767-9224 less

United Way IDA Program: Matching Savings Account for a Home or Vehicle Purchase, Business Assistance, Education Assistanceimage

IDAs (Individual Development Accounts) are savings accounts that give low income individuals and families the opportunity save and build assets. moreQualified individuals who open an IDA will receive matching funds towards a specified goal.Contact United Way for info.
  • Savings Goal: Purchasing a home or vehicle or opening a childcare center.
  • Match: $4 for every dollar saved, up to $2000 for a home or childcare center (up to $8000 match), up to $1000 for a vehicle (up to $4000 match).
  • Eligibility: You must be employed, earn below 200% of the poverty line, and not own more than $10,000 in assets not including one primary home and one vehicle.
  • Other Requirements: Applicants are required to take 12 hours of financial education and training.
 less

Neighborhood Housing Services of New Orleansimage

NHS NOLA conducts first-time homebuyer training classes and can assist homeowners in rebuilding or renovating a home&#46 They offer funding, financial counseling, and construction management. more

Services Provided: Construction Management services – assisting homeowners through the process of rebuilding
Area Served: Orleans
Eligibility: All are eligible
Contact Info: 504-899-5900 less


Homebuyer Training Programs

PRC First Time Home-Buyers Workshopsimage

The Preservation Resource Center offers monthly First-Time Homebuyer Training courses that prepare participants to tackle the home purchase process and meet the demands of owning and caring for a home. moreParticipants will also gain access to a variety of home purchase incentives available exclusively to program graduates and offered by the Finance Authority of New Orleans, the City of New Orleans, and various lending institutions.Courses are $50 and require registration.Visit the website or call 504.636.3070 for more information. less

Family Resources of New Orleans Homebuyer Trainingimage

Family Resources of New Orleans offers a twelve hour homebuyer training curriculum in an effort to educate families on the homeownership process. moreThe workshop covers a variety of topics such as credit rehabilitation, family budgeting, mortgage products comparison and other aspects of homeownership from beginning to end.The classes are taught by professionals in the real estate industry.For more information and to register for classes, call (504) 822-8519 or visit the website. less

Make It Right Homeowner Counseling Programimage

Brad Pitt’s Make It Right Foundation aims to be a catalyst for redevelopment of the Lower 9th Ward by building a neighborhood comprised of safe and healthy homes&#46 Lower Ninth Ward residents can sign up to work with MIR to choose, finance and prepare to own their new homes. moreFor more information on the program visit the website or call 1-888-647-6652&#46 less

HANO Voucher Program – Become a Homeowner

HANO offers a program in which Section 8 vouchers can be used to purchase a home. moreParticipants must become financially fit, be a first-time homeowner, be employed for at least a year, satisfactorily complete HANO’s pre-assistance homeownership and housing counseling program, attend post-purchase counseling and monthly homebuyer club meetings, and earn an annual salary of at least $10,300.For more information call Audrey Williams, lead case manager in HANO’s Homeownership Department, at (504) 670-3428less

Consumer Credit Counseling Service of Greater New Orleansimage

CCCS is a non-profit community service agency dedicated to educating consumers in the wise and proper use of credit, and helping consumers to repay excessive debt. moreCCCS offers budget counseling & debt management planning, financial education programs, housing counseling, and more.Visit the CCCS website or call 1-866-889-9347.CCCS has locations in New Orleans, Metairie, Gretna, Slidell, and Houma, as well as locations in Mississippi.Important Note:  This company has been acquired by a larger, national firm, we cannot be sure how well they will continue to serve our local market. less

Louisiana Housing Finance Authority First-Time Homebuyer Programsimage

Louisiana Housing Finance Agency offers a number of opportunities for low- and moderate-income Louisiana families to become homeowners. moreThe program offers a 30-year, fixed-rate mortgage at a below-market interest rate to first-time homebuyers, including programs for teachers and first responders.Visit the website or call 888-454-2001less

Neighborhood Housing Services of New Orleansimage

NHS NOLA conducts first-time homebuyer training classes and can assist homeowners in rebuilding or renovating a home&#46 They offer funding, financial counseling, and construction management. more

Services Provided: Construction Management services – assisting homeowners through the process of rebuilding
Area Served: Orleans
Eligibility: All are eligible
Contact Info: 504-899-5900 less

Neighborhood Development Foundationimage

The Neighborhood Development Foundation of New Orleans is a resource center that seeks to convert life-long renters, modest resources, and ready houses into entire neighborhoods of homeowners. moreThe Foundation provides training and assistance for first-time homebuyers.Call 504-488-0155 less