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. People need counseling to help them understand how to purchase housing and insurance and how to review and sign contracts.
Predatory lending is a critical issue.
Discrimination is Taking Place . Discrimination due to race, age, or disability limits housing opportunities for both owners and renters. There continue to be serious discriminatory practices against low-income, homeless, and disabled people. There is a Shortage of Affordable, Decent Dwelling Units Available Affordable Housing is Often In Poor Condition . Vacant affordable housing is often in poor condition and is in undesirable locations lacking services, amenities, and resources.