VHDA should expand the types of manufactured housing that it will finance. People with special needs are not sufficiently included in program design and implementation activities. Tax credit programs need to be revised as housing organizations are using them to their advantage but not always to the benefit of the people the programs are intended to help. Additional Financial Resources Are Needed . Loan programs are needed to encourage mixed income communities, including low interest loans for construction and permanent financing.
Gap financing is needed for low-income families.
More funding is needed for supportive housing and services. Affordable Housing Consumer Counseling is Needed . Bad credit limits the ability of people to get loans and obtain suitable housing. Many people do not know how to budget their finances and clear up bad credit histories that developed through divorce, nonpayment of medical bills, or other major events. Education is needed in high school, or even earlier, to help people develop these life skills.