These lenders may add on fees if there are any associated with the repayment amount of foreclosure actions. Do You Have to Vote for the Party You're Registered With? Homeowners can fall behind on their loan payments, and these options may help those who are struggling. 2021-EX Rates of Basic Pay for the Executive Schedule (EX)", https://en.wikipedia.org/w/index.php?title=United_States_Secretary_of_Housing_and_Urban_Development&oldid=1133858120, This page was last edited on 15 January 2023, at 21:29. Where there is a partial release of lien, the lender must make a determination, subject to prior review and approval by HUD, that the remaining or replacement property subject to the first lien provides adequate security for the remaining principal indebtedness. One such step is to file a report to the Consumer Financial Protection Bureau or with the U.S. Department of Housing and Urban Development (HUD). HUD said in its announcement that it fully supports PACE and similar programs, but said that its guidance will allow lenders to evaluate the conditions under which borrowers purchasing, refinancing properties, or modifying their loans with existing PACE assessments will be eligible to use FHA-insured financing. The HUD assists U.S. communities in providing fair and equal housing. Navigate by entering citations or phrases Failure to pay someone who did renovations or remodeling your property, unpaid suppliers, or workers. Electronic Code of Federal Regulations (e-CFR), Subtitle B - Regulations Relating to Housing and Urban Development, CHAPTER II - OFFICE OF ASSISTANT SECRETARY FOR HOUSING - FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT, SUBCHAPTER B - MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES, PART 242 - MORTGAGE INSURANCE FOR HOSPITALS, Subpart G - Regulatory Agreement, Accounting and Reporting, and Financial Requirements. citations and headings In addition, if the property is sold by the homeowner and the value of the property is less than the amount due on the reverse mortgage, HUD will pay the difference to the lender. An official website of the United States government. Some borrowers default a second time after using PPC. Title 24 - Housing and Urban Development; Subtitle B - Regulations Relating to Housing and Urban Development; CHAPTER II - OFFICE OF ASSISTANT SECRETARY FOR HOUSING - FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT; SUBCHAPTER B - MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES .mw-parser-output .legend{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .legend-color{display:inline-block;min-width:1.25em;height:1.25em;line-height:1.25;margin:1px 0;text-align:center;border:1px solid black;background-color:transparent;color:black}.mw-parser-output .legend-text{}Democratic (9) The HUD Secretary oversees many programs that mostly deal with helping low-income families achieve homeownership as well as ensuring there's an adequate supply of affordable housing nationwide. Most of the Secretaries remain in office throughout the Presidents tenure. The FHA also has a short-sale program (FHS PFS), which can help homeowners who qualify. The Department of Housing and Urban Development (HUD) is a U.S. government agency that supports community development and homeownership. Part 3. The lender is basically using HUD funds to help the borrower. If you have questions or comments regarding a published document please David Stevens, the president and CEO of the Mortgage Bankers Association, also welcomed the news. How Do I Get Government Help to Pay for My House? Under programs like the PACE, single-family energy retrofit financing programs can be structured to make loans through the homeowners property tax assessment and require that borrowers repay their loans as part of their property tax bill. Lenders are reimbursement from FHA if a borrower defaults. developer resources. On April 1, 2020, FHA, under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, made additional provisions for homeowners experiencing financial hardship due to the COVID-19 national emergency. This web site is designed for the current versions of What the Department of Housing and Urban Development Does, Government Assistance Programs: What's Available, Where to Apply, Low-Income Housing Options for People with Disabilities. Chapter VI - Office of Assistant Secretary for Community Planning and Development, Department of Housing and Urban Development [Reserved], Chapter X - Office of Assistant Secretary for Housing - Federal Housing Commissioner, Department of Housing and Urban Development (Interstate Land Sales Registration Program) [Reserved], Chapter XV - Emergency Mortgage Insurance and Loan Programs, Department of Housing and Urban Development [Reserved], Chapter XXIV - Board of Directors of the Hope for Homeowners Program [Reserved], Nondiscrimination in Federally Assisted Programs of the Department of Housing and Urban Development - Effectuation of Title VI of the Civil Rights Act of 1964, Nondiscrimination on the Basis of Sex in Education Programs or Activities Receiving Federal Financial Assistance, General HUD Program Requirements; Waivers, Nondiscrimination in Programs and Activities Receiving Assistance Under Title I of the Housing and Community Development Act of 1974, Nondiscrimination Based on Handicap in Federally Assisted Programs and Activities of the Department of Housing and Urban Development, Enforcement of Nondiscrimination on the Basis of Disability in Programs or Activities Conducted by the Department of Housing and Urban Development, Use of Penalty Mail in the Location and Recovery of Missing Children, Implementation of the Equal Access to Justice Act in Administrative Proceedings, Public Access to HUD Records Under the Freedom of Information Act and Testimony and Production of Information by HUD Employees, Implementation of the Privacy Act of 1974, Governmentwide Debarment and Suspension (Nonprocurement), Nonjudicial Foreclosure of Multifamily and Single Family Mortgages, Implementation of the Program Fraud Civil Remedies Act of 1986, Civil Money Penalties: Certain Prohibited Conduct, Lead-Based Paint Poisoning Prevention in Certain Residential Structures, Accessibility Standards for Design, Construction, and Alteration of Publicly Owned Residential Structures, Policies and Procedures for the Enforcement of Standards and Requirements for Accessibility by the Physically Handicapped, Displacement, Relocation Assistance, and Real Property Acquisition for HUD and HUD-Assisted Programs, Protection and Enhancement of Environmental Quality, Intergovernmental Review of Department of Housing and Urban Development Programs and Activities, Floodplain Management and Protection of Wetlands, Environmental Review Procedures for Entities Assuming HUD Environmental Responsibilities, Use of Volunteers on Projects Subject to Davis-Bacon and HUD-Determined Wage Rates, Economic Opportunities for Low- and Very Low-Income Persons, The Secretary of HUD's Regulation of the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie MAC), Uniform Administrative Requirements for Grants and Agreements with Institutions of Higher Education, Hospitals, and Other Non-Profit Organizations, Administrative Requirements for Grants and Cooperative Agreements to State, Local and Federally Recognized Indian Tribal Governments, Consolidated Submissions for Community Planning and Development Programs, Office of the Secretary, Department of Housing and Urban Development, Regulations Relating to Housing and Urban Development, Office of Assistant Secretary for Equal Opportunity, Department of Housing and Urban Development, Office of Assistant Secretary for Housing - Federal Housing Commissioner, Department of Housing and Urban Development, Government National Mortgage Association, Department of Housing and Urban Development, Office of Housing and Office of Multifamily Housing Assistance Restructuring, Department of Housing and Urban Development, Office of Assistant Secretary for Community Planning and Development, Department of Housing and Urban Development, Office of the Secretary, Department of Housing and Urban Development (Housing Assistance Programs and Public and Indian Housing Programs), Office of the Assistant Secretary for Housing-Federal Housing Commissioner, Department of Housing and Urban Development (Section 8 Housing Assistance Programs, Section 202 Direct Loan Program, Section 202 Supportive Housing for the Elderly Program and Section 811 Supportive Housing for Persons with Disabilities Program), Office of Assistant Secretary for Public and Indian Housing, Department of Housing and Urban Development, Office of Inspector General, Department of Housing and Urban Development. Purchase or refinance your home with an FHA loan. So whether through the HUD partial claim or the COVID-19 national emergency stand-alone partial claim, theres hope when you cant make your mortgage payment. The Federal Housing Administration (FHA) provides mortgage insurance on single-family residences, multifamily properties, hospitals and residential care facilities. ISN was awarded the Secretary Loan Servicing contract by the U.S. Department of Housing and Urban Development (HUD) and began work on October 9, 2021. . Search HUD Homes for Sale. Experts from HUD explain how partial claim forgiveness with partial payment of claims (PPC) works. If you think you've been discriminated against based on race, religion, sex, marital status, use of public assistance, national origin, disability, or age, there are steps you can take. The Secretary is a member of the President's Cabinet. This is called a mortgage lien and is voluntary. The Secretary of Housing and Urban Development may use for the purposes of this subchapter any of the funds or authorizations heretofore or hereafter made available to it. A good FICO score is key to getting a good rate on your FHA home loan. Legal Authority: Title I, Housing and Community Development Act of 1974 (42 U.S.C. NAR strongly believes in the need to maintain and strengthen mortgage markets while supporting energy efficiency through the PACE program, and we look forward to continuing that dialogue with FHA.. FHA.com is a private corporation and does not make loans. If approved and paid, the claim amount will later be recovered through a second mortgage. If you have a United States Department of Housing and Urban Development (HUD) partial claim, you must contend with HUD partial claim forgiveness or HUD lien payoffs before you make any changes to your home's finances. NAR is pleased that FHA took steps today to recommend that PACE loans remain in a subordinate position to the primary mortgage loan, Polychron said. Title 24 - Housing and Urban Development Subtitle B - Regulations Relating to Housing and Urban Development CHAPTER II - OFFICE OF ASSISTANT SECRETARY FOR HOUSING - FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT SUBCHAPTER B - MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES Purpose. Involuntary liens occur when a creditor seeks legal recourse for an unpaid debt when a borrower defaults on a loan. In the majority of transactions there will be no money owed to HUD because HUD will make payments only if the first lender has failed to do so. You have two options: If you purchase a home with a HUD lien attached to the title, even if you manage to pay off the loan amount, the lien will continue to show up in reports and checks made on the house. It should be noted that although HUD has a mandate to encourage homeownership and affordable housing, the Secretary may create a policy that runs counter to that mandate. 12901. However, a HUD loan modification payoff cannot be more than the amount of one years principal, taxes, insurance and interest. Choosing an item from The Secretary's annual salary has ranged over the years from $199,000 to more than $210,000 per year. The Secretary serves on boards and commissions that are not internal to HUD. ( June 28, 1940, ch. According to DOE, the average U.S. home will score a 5.. See all photos Federal Housing Administration: The FHA is a New Deal-era agency created by the Fair Housing Act of 1934. See All Public Data Free - Purchased by Secretary Of Housing & Urban Development on 11/18/2019 For $77,000 - 5921 Se 26 Ct, Inglis, FL 34449 is a Mobile Home home that has null bedrooms and 2 baths. The department is also involved in fighting housing discrimination. If you are unable to pay the partial claim payment when you sell your home, you can see if you qualify for an FHA short sale. In this article, we'll talk about HUD's programs for homeowners who are behind on their mortgage payments because of a job loss or COVID-related financial hardship. 12901 3.100 - 3.605. According to HUD, PACE can vary from state-to-state, but typically allows homeowners to finance energy efficiency improvements for up to 20 years. HUD can advance up to 12 months of mortgage payments through this program. Elections, Presidents, Vice Presidents, and First Ladies, Car Complaints and Motor Vehicle Services, Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks, COVID-19 Health Information, Vaccines, and Testing, COVID-19 Small Business Loans and Assistance, Government Response to Coronavirus, COVID-19, Passports and Travel During the COVID-19 Pandemic, Financial Assistance and Support Services, Financial Assistance Within Designated Natural Disaster Areas. Through the Federal Housing Administrations (FHA) insurance programs, HUD makes loans available to those who otherwise would not meet income requirements. Todays real estate technology stack What do you really need? Because of the economic crisis spawned by the Coronavirus in 2020, FHA and HUD have been working in developing new programs to assist struggling homeowners. PACE allows homeowners to benefit from the improvements immediately and spread the cost over time. This contact form is only for website help or website suggestions. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. The program benefits FHA by restructuring the original debt in a way that guarantees more contributions to the FHA General Insurance Fund. This program lets buyers get a single loan with just one closing. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program. 440, title II, 205, 54 Stat. You can We can help. The U.S. Department of Housing and Urban Development (HUD) may have programs to help if you have an FHA-insured mortgage and you're having trouble making your mortgage payments. Borrowers who have delinquent FHA loans need to notify their lenders in order to get the partial claim process started. Enhanced content is provided to the user to provide additional context. Learn more about the eCFR, its status, and the editorial process. MBA applauds the announcement today that supports efforts to promote renewable energy solutions for FHA insured homes, but protects the lien priority and lien rights of the first mortgage, Stevens said. 1992], the Secretary of Housing and Urban Development shall submit to the Congress a copy of proposed interim regulations imple-menting subtitle D of title VIII of the Cranston-Gon-zalez National Affordable Housing Act [42 U.S.C. It also fixes the current default, bringing payments up to date. Reverse mortgages are utilized by senior citizens who have small mortgages or who owe nothing on their homes. Our Remove A Lien product can give you the tools you need to fight against a HUD lienand earn some peace of mind through the rest of the buying process. We encourage users to contact their lawyers, credit counselors, lenders, and housing counselors. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. There are other PPC requirements as well. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Power of Secretary of Housing and Urban Development to manage, convey, etc., housing properties. A lien is usually a standard part of the loan agreement if you are paying a mortgage. The Department of Housing and Urban Development (HUD) provides affordable housing for low and middle-income individuals and families. Title Contact Name Email; Contract Manager . In addition, liens fall under two categories: specific and general. Learn how welfare works, the types of programs, and who qualifies. An approved PPC will make the mortgage current, and the terms for this are all determined by HUD. Republican (9), United States Secretary of Housing and Urban Development, List of secretaries of housing and urban development, as Secretary of Housing and Urban Development, United States Department of Housing and Urban Development, 89174: The Department of Housing and Urban Development Act, Deputy Secretary of Housing and Urban Development, Level I position in the Executive Schedule, "3 U.S. Code 19 - Vacancy in offices of both President and Vice President; officers eligible to act", "Salary Table No. The President also has the discretion to remove the Secretary from office and nominate a new one. Lenders are reimbursement from FHA if a borrower defaults. Kevin Johnston is the owner of Corporate Writing Assignments. Working in collaboration with the President, the Secretary may enact policies that have a different focus than previous Secretaries have had, and may, in fact, reject some aspects of the HUDs mandate. The HUD Secretary is heavily involved with overseeing the Federal Housing Administration (FHA). The funds are typically used for temporary shelters and to support housing with the goal of getting homeless people off the streets and into safe and decent living conditions. guide. Through the Federal Housing Administration's (FHA) insurance programs, HUD makes loans available to those who otherwise would not meet income requirements. It does this by guaranteeing bonds backed by home mortgages. In short, the Secretary of Housing and Urban Development holds a powerful office that leaves much leeway to interpret the mandate and assess the housing landscape nationwide. A separate payoff letter must be obtained from the servicer who is servicing the reverse mortgage for HUD. L.89174: The Department of Housing and Urban Development Act) into law. 683 ; 1947 Reorg. They can do this by offering loans insured against default by the Federal Housing Administration (FHA). The Secretary of Housing and Urban Development is the White House's chief emissary to homeowners, renters, and landlords. Our app is designed to help you by giving you the tools you need to fight against corporations and bureaucracy. How to Pay Your Houston Water Bills Online Hassle-Free, How to Remove My Case From The Internet Instantly, How to Recover Your Forgotten Workday Password Hassle-Free, How to Stay In Touch With Inmates at Clements Unit, Sending Money to an Inmate Has Never Been Easier, there is a HUD lien attached to the title of the house, home with a HUD lien attached to the title. Assistance to qualifying FHA-loan holders includes up to six months for mortgage forbearance and a COVID-19 national emergency stand-alone partial claim. The Secretary appoints individuals who serve as assistant secretaries who manage the funds and support services for fair housing and community development. To be approved, you must show that you are no longer in the same economic position that caused you to default on your mortgage payments in the first place. In December, the FHFA issued the warning to homeowners, financial institutions and state authorities because in some cases a secondary lien on a property forces the Freddie Mac or Fannie Mae lien into a secondary lien position, which the FHFA says increases the risk of losses to taxpayers. [2] The department's mission is "to increase homeownership, support community development and increase access to affordable housing free from discrimination. To qualify for a HUD partial claim, you must: If you default on your mortgage after you have received a HUD claim, you may be granted a loan modification or another option so you wont lose your house through foreclosure. She also runs her own lifestyle blog, Sweet Frivolity. As of March10, 2021[update], Marcia Fudge is the secretary of housing and urban development. U.S. Department of Housing and Urban Development 451 7th Street, S.W., Washington, DC 20410 T: 202 . The FHA Loan is the type of mortgage most commonly used by first-time homebuyers and there's plenty of good reasons why. The Secretary makes policies, creates rules, and coordinates the efforts of HUD, so that headquarters and all offices serve the same mission. These liens are referred to as voluntary liens. The process is similar to a bank foreclosing on a house, but there is one exception. With DoNotPay, you will have the ability to: If you have a financial or legal problem and don't know where to turn for help, sign upfor DoNotPay. The court can place a lien against your property to ensure these payments are made. Other vital experience may include positions of leadership, as well as extensive familiarity with management. Please do not provide confidential According to HUD, the Home Energy Score is the equivalent of a vehicle miles-per-gallon rating for homes. You are using an unsupported browser. Borrowers must miss at least four payments to apply but no more than 12. The newly modified loan terms would supersede the first PPC. The rules involved with these can be challenging to understand without a bit of background. All you have to do is follow a few simple steps. However, DoNotPay is here to make sure liens don't get in the way of homeownership. The lender will examine your situation and determine if you qualify for this service. The salary is paid by the General Fund of the Treasury. Comments or questions about document content can not be answered by OFR staff. Definition, Legality, and Effects, If you think you've been discriminated against, U.S. Department of Housing and Urban Development. contact the publishing agency. Most of the Secretaries remain in office throughout the Presidents tenure. 1585. They cannot charge the borrower for any accumulated late fees, though. FHA.com is not a government agency. The United States secretary of housing and urban development (or HUD secretary) is the head of the United States Department of Housing and Urban Development, a member of the president's Cabinet, and thirteenth in the presidential line of succession. You must pay the lien in full when you refinance your mortgage, pay the original FHA loan in full, sell your home, or transfer ownership to someone else. FAR). To. When a loan is insured through FHA, borrowers pay a mortgage insurance premium each year that is approximately 1 percent of the loan amount. A-Z Index. Buying a home is an exciting prospect that takes time, effort, and persistence. Housing and Urban Development Home Looking for FHA information? Washington, The HUD Secretary also runs the housing assistance program, which provides low-income residents with rental subsidies. Many reverse mortgages are insured by the Department of Housing and Urban Development (HUD). Place bids on HUD Homes. HUD Secretary Requires Payoff Letters for Home Equity Conversion Mortgages Reverse mortgages (also called Home Equity Conversion Mortgages) allow homeowners to convert the equity they have in their homes into payments from a lender. How do you know if a reverse mortgage is insured by HUD? Secure .gov websites use HTTPS If you owe more than 12 months, you will need to pay the remaining balance so that you will qualify for the partial mortgage claim. Department of Housing and Urban Development (HUD), Contact the Department of Housing and Urban Development, Housing and Urban Development Local Offices, 451 7th St., SW Under a program run by the U.S. Department of Housing and Urban Development, HUD homes are those that have been acquired by the government due to foreclosure on an FHA-insured mortgage. There have been changes in the last two weeks to Title 24. The Department also works to ensure fair and equal housing opportunity for all. The Home Affordable program, also known as the Obama Mortgage, has offered homeowner relief to millions of people in danger of foreclosure or default on their mortgage. These include groups that monitor housing for minorities, as well as the elderly and disabled persons. FHA.com is a privately-owned website that is not affiliated with the U.S. government. Resources. FHA loans are the #1 loan type in America. The partial claim total can not exceed 12 months of payment, including the principal, interest, taxes, and insurance. The Secretary also works with the inspector general to oversee the management of the fund's HUD uses. Echoing similar calls late last year from the Federal Housing Finance Agency to preserve the first-lien status of loans guaranteed by Fannie Mae and Freddie Mac, the Department of Housing and Urban Development announced Monday that it intends to require liens created by energy retrofit programs to remain subordinate to loans guaranteed by the Federal Housing Administration. Marcia Fudge is currently serving as Secretary. Secretaries of Housing and Urban Development most often resign at the end of the Presidents term in office. The HUD partial claim program includes paying the lender on behalf of the homeowner to avoid foreclosure with these funds. HUD vs. FHA Loans: Whats the Difference? Mortgage lending discrimination is illegal. What Is a Lien Release on a Car and What to Expect, A Beginner's Guide to Filling Out a Contract Lien Release Form, How to Obtain a Lien Release in Wisconsin the Easy Way. PDF Reader . The full HUD announcement and copy of the proposed guidance can be read here. According to HUD, the Home Energy Score is the equivalent of a vehicle miles-per-gallon rating for homes. This Obama mortgage update is simply called the Second Lien Program. A lien is a legal claim against a property or asset by a creditor as a way to secure a debt. For more information see the Federal Housing Administration website. The mortgagor shall not sell, dispose of, transfer, or permit to be encumbered any security property without the prior approval of the lender and Commissioner, subject to thresholds or such other standards as HUD may establish for the approval requirement. We do not ask users to surrender or transfer title. Fortunately, DoNotPay can help resolve this issue, make the negotiations more manageable, and even get the lien removed from your property. It is also possible for the homeowner to have an available line of credit as their reverse mortgage. Do you know what's on your credit report? Program Offices. Many people who can afford the monthly mortgage payments and have reasonable credit will qualify. The President often chooses a nominee for this position who has a background in law, business, or public administration. Receiving or Sending Encrypted ATG Emails, Department of Housing and Urban Development. Find answers to frequently asked questions about FHA for homebuyers, homeowners, appraisers, brokers, and more. a bill. HUD absorbed the FHA when it was established in 1965. The Secretary of Housing and Urban Development may continue by lease or condemnation any interest less than a fee simple in lands heretofore acquired by the Secretary of Housing and Urban Development for national defense or war housing or for veterans' housing (whether of permanent or temporary . If the debt isn't paid satisfactorily, the creditor that financed your loan has the right to seize the assets listed under the lien and liquidate them for compensation. Can You Refinance With Another Lender if You Are in Foreclosure? Answer some questions about your specific lien and let us help you craft a letter to your creditor to resolve the issue. Specific liens are attached to one particular asset and include house or car liens. A lock ( One of the primary duties of the HUD Secretary is to advise the President on issues regarding housing. Danielle Smyth is a writer and content marketer from upstate New York. Under the new partnership, the FHA will provide flexible underwriting to recognize the reduced costs of utilities when those costs are established with the Department of Energys Home Energy Score, which the DOE developed as a method to estimate a homes energy use. Sometimes, these problems seem insurmountable, with large amounts of time and money needed to solve them. Any sums owing to HUD will not necessarily be included in a payoff letter from the first lender. If you have comments or suggestions on how to improve the www.ecfr.gov website or have questions about using www.ecfr.gov, please choose the 'Website Feedback' button below. How are bridge loans and fix-and-flip loans performing. They must also prove that they will be able to resume making the payments after the claim has been paid. The Role of Secretary of Housing and Urban Development, Programs under the HUD Secretary's Purview, U.S. Department of Housing and Urban Development (HUD), Welfare: What It Is, Different Types, Who Qualifies, Great Society: What it Was, Legacy and FAQ, What Is Redlining? The Contract Opportunities Search Tool on beta.SAM.gov, Protecting the Federal Workforce from COVID-19, Locate Military Members, Units, and Facilities. These liens are most often placed by a government agency as part of a statute or a court as part of a judgment. , the HUD partial claim program includes paying the lender will examine your situation and if. Late fees, though secretary of housing and urban development lien on title affordable Housing for low and middle-income individuals and families have an line... Fha ) 205, 54 Stat please do not provide confidential according HUD. Affordable Housing for minorities, as well as extensive familiarity with management on beta.SAM.gov, Protecting Federal! 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