In accordance with federal law and United States Department of Housing and Urban Development (HUD) policy, this institution is prohibited from discriminating on the basis of race, color, national origin, age, disability, sex or familial status. To protect your account your session will expire automatically in 2 minutes. (e.g. PHA's or Public housing agencies are another name for HA's. Waiting lists for Section 8 or The Housing Choice Voucher Program (formerly known as "Section 8") is a federally funded housing program that provides rental assistance to eligible families based on family size and household income. Message and data rates may apply. WebSection 8 housing applications Etowah County housing lottery and waitlist process US Department of Housing and Urban Development (HUD) Federal Housing Act (FHA) Etowah County Public Housing Statistics Find Etowah County HUD Housing Programs, Public Housing Programs, and Section 8 Housing Programs. of Housing and Urban Development, Five Points Plaza, 40 Marietta Street, 16ht Floor, Atlanta, GA 30303-2808. WebView 10 housing authorities and agencies in Pelham, AL. As of the HUDs most recent Voucher Management System report, Housing Authority of the Birmingham District manages 5,325 active Housing Choice Vouchers. WebMore Information Guntersville Housing Authority The Guntersville Housing Authority provides stable, quality affordable housing opportunities for low and moderate income families throughout the local community. (866) 466-7328 Due to special voucher programs like VASH, recent waiting list purges, or waiting list preferences the average wait time can vary significantly from one year to the next and it is entirely possible many current applicants on the waiting list have been waiting for assistance for far longer. 61% of households included children, 2% of which had two adults in the household. The controversy is whether Section 8 housing is a good real estate investment. If you ask different investors, you are bound to find several conflicting views. In the end, Section 8 housing has advantages and disadvantages. Section 8 Eligibility: Income - $/ | Voucher Size -, Affordability: Income - $/ | Total Family Size -. View photos, get pricing and see if you qualify for public housing and section 8. Involuntarily displaced families due to a formally recognized natural disaster or government action. The Fair Housing Act ensures that all persons receive equal housing opportunity. Go to the Alabama Section 8 Waiting Lists page or the There is no notice of when this waiting list will reopen. WebThe Housing Authority of the Birmingham District (HABD) Section 8 Project-Based Voucher waiting list for 2 and 3-Bedroom apartments at The Villas at Titusville is currently closed. This property locator will help you identify a suitable and affordable house available for you and your family. This waiting list is for Section 8 Project-Based Voucher rental assistance in Birmingham, Alabama. Go to the Alabama Section 8 Waiting ). Applications were last accepted from October 27, 2020, until October 30, 2020. IRS VITA and TCE Programs IRS Tenants may call. Please confirm your email address. There is no notice of when this waiting list will reopen. The Decatur Housing Authority(DHA) Public Housing waiting list for 1-Bedroomapartments at East Acres, Sterrs Homes and Westgate Gardens is currently closed. 31% of households with a head of household 61 years or less were headed by a person with a disability. The income limits based on gross income and family size is available on this link: http://www.huduser.org/portal/datasets/il/il2013/select_Geography.odn (Alabama Section 8 (Housing Choice Voucher) Income Eligibility Requirements), Alabama Section 8 (Housing Choice Voucher) Nationality and Residential Eligibility Requirements. The Housing Authority of the Birmingham District (HABD) Mainstream Section 8 Housing Choice Voucher waiting list is closed. How do I receive/apply for housing assistance. Use tab to navigate through the menu items. Visit our Resident Portal to submit and check the status of amaintenance work order. 525 South Lawrence St.Montgomery, AL 36104, Stay up to date with all the MHA happenings. The average utility allowance across all voucher recipients is $132. WebSection 8 is a housing assistance program funded by the United States Department of Housing and Urban Development (HUD). Sources: This information was verified by the HHA, as of June 1, 2020. For more information, visitthe HABD website. There are four ways to apply during the opening period: Once the application has been completed, it must be dropped off at any Public Housing location, or the McCoy Building at the address above; from 8:00 am until 4:30 pm, Monday-Friday. It is not known how applicants will be placed on the waiting list. Password Tips:Passwords must be at least 8 characters long, and contain at least one letter, one number, and at least one of the following special characters: @$!%*#-=?&, By clicking "Sign Up", you agree to our Terms of use. There is no notice of when this waiting list will reopen. MHA requires additional standards in compliance with the local City Code and Fire Code regarding window screens, screen doors, smoke alarms, etc. The Alabama Section 8 (Housing Choice Voucher) Program uses a subsidy system where a housing subsidy is paid by the Public Housing Agency (PHA) directly to the specific landlord. MHAsResident Portal is here to make it convenient for MHA residents to pay their rent. Change Phone Number? Please call (866) 466-7328 for assistance. Once the application wascompleted, it must have been postmarked no later than December 6, 2019, and mailed to the HABD. For more information, visit theHHA website, or the HHA Facebook page. 63% of households with children have a female head of household. According to the 2016 PSH database, persons who were issued a voucher in the preceding 12 months waited an average of 18 months on the waiting list1. We do not claim responsibility for its accuracy. Free registration gives you access to all property listing information, online applications, waiting list updates, saved searches, new listing alerts, and more. Housing and Urban Development, U.S. Department of Housing and Urban Development, 451 7th Street, S.W., Washington, DC 20410 The Phenix City Housing Authority is available during our normal business hours to best serve our community. Sources: This information was verified by the HABDon October 27, 2020, and updated on January 3, 2022. walking distance to work" or "2 bedroom apts. WebView 490 Section 8 Housing for rent in Alabama. Your account set-up is almost complete. 5% of households were headed by a person 24 years old or less, 66% were headed by a person 25 to 49 years old, 20% were headed by a person 51 to 60 years old, and 10% were headed by a person 62 years old or older. near elementary school"), Waiting List HUD, HHS partner to create housing and services resource center for affordable, accessible housing and supportive services. Sources: This information was verified bythe DHA Facebook page on June 1, 2021. A good starting point is to utilize the housing locator tool available on this link: http://www.gosection8.com/Section-8-rental-housing-in-Alabama/ (Alabama Property Locator Tool). This website and its contents are for informational purposes only. 59% of households with children have a female head of household. Dear Mobile Housing Authority Program Participant and Landlord Partner: Effective June 1, 2020 we will be unable to fully execute the HAP contract and approve the HCV family fortenancy at any unit without the following information: All forms are required and MUST be turned in before the HAP will be executed by MHA and payment released on behalf of the tenant and/or landlord. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410 or call Customer Service at (202) 708-1112 (voice) or (202) 708-1455 (TTY). U.S. Department of Housing and Urban Development 451 7th Street, S.W., Washington, DC 20410 T: 202-708-1112 Upon successful completion of the application process an individual will be deemed eligible and will receive a housing voucher, which they can use to locate a house of their own. Of all households participating in the Decatur Housing Authority Housing Choice Voucher program, 18% include at least one person with a disability. provides stable, quality affordable housing opportunities for low and moderate income families This waiting list hadthe following preferences:. You are trying to sign in with a username belonging to more than one account. Due to special voucher programs like VASH, recent waiting list purges, or waiting list preferences the average wait time can vary significantly from one year to the next and it is entirely possible many current applicants on the waiting list have been waiting for assistance for far longer. U.S. Department of The following table summarizes types of vouchers managed and the monthly costs of each as of December 31st, 2021: According to the 2016 Q4 Picture of Subsidized Households database, the housing authority's voucher program has an annual turnover of 15% having issued approximately 105 vouchers in the past year. Send New Code / We provide decent, safe, affordable rental housing within the OHC area for eligible low to moderate income families, the elderly, and persons with disabilities. This is because HUD (the U.S. Department of Housing and Urban Development) is HQS consists of (a) performance requirements, and (b) acceptability criteria or HUD approved variations in the acceptability criteria. Browse photos, get pricing and find the most affordable housing. WebThere are 2 Housing Authorities in Baldwin County, Alabama, serving a population of 203,360 people in an area of 1,590 square miles.There is 1 Housing Authority per 101,680 people, and 1 Housing Authority per 794 square miles.. walking distance to work" or "2 bedroom apts. Tenants may call 344-664-9991 to request an appointment or speak to our staff. This waiting list hadthe following preferences: Living and/or working in Madison County. Of all households participating in the Huntsville Housing Authority Housing Choice Voucher program, 14% include at least one person with a disability. Login and find critical unit information, like inspection details and ledger payment history, organized in one easy-to-find location. To apply for either type of help, visit your local Public Housing Agency (PHA). Due to special voucher programs like VASH, recent waiting list purges, or waiting list preferences the average wait time can vary significantly from one year to the next and it is entirely possible many current applicants on the waiting list have been waiting for assistance for far longer. The benefitting family then proceeds to pay the difference of the actual rent and the subsidy. Sorry, this email address is taken. 92% of all households were headed by a female. The code entered is incorrect, please try again. For more information, visit theHHA website, orthe HHA Facebook page. In order to be eligible for the Alabama Section 8 (Housing Choice Voucher) program applicants must meet a set of eligibility requirements. Please call Please note: According to the HABD, "The Mainstream Voucher Program is for families that include a qualifying household member, who must be non-elderly, disabled. Administration, Housing Choice Voucher Program (Section 8), Housing Choice Voucher Department (Section 8), Submit Changes in Income or Family Composition, Submit requested Annual Lease Renewal form online. WebDecatur Housing Authority Contact Information Address, Phone Number, and Fax Number for Decatur Housing Authority, a Housing Authority, at Wilson Street Northeast, Decatur AL. WebHHA currently provides a variety of housing options to low-income individuals and families: more than 1700 rental apartments, including 1807 units of public housing. property rental listings directly to public housing authority, maximize rental listing exposure. Locally, success of this program depends on the establishment of strong public-private partnerships between MHA and private property owners and landlords. 65% of households headed by someone 62 or older were headed by a person with a disability. WebEufaula Housing Authority. Our Occupancy, Property, and HCV Offices are open by ), Tripping hazards caused by permanently installed floor coverings (carpet/vinyl), Inoperable burners on stoves or inoperable range hoods, Defective refrigerator gaskets (broken seal allowing air to escape), No temperature/pressure relief valve on water heaters, No insulation around front and back doors (Ensure no outside light can be seen when doors are closed. Browse photos, get pricing and find the most affordable housing. These eligibility requirements are based on the familys gross income, family size, nationality and area of residence. For more information about the Fair Housing Act and your rights, go to Fair Housing Act. Applicants to the Alabama Section 8 (Housing Choice Voucher) program must be residents of the state of Alabama and either US nationals or fall into a category of applicants that has eligible immigration status. Please call us for assistance at The Dothan Housing also administers 55 PBVs for the Howell School Senior Apartments. 38% of households had wages as a major source of income, 1% of households had welfare (TANF, General Assistance or Public Assistance) as their primary source of income, and 53% of households had other income (Social Security, Disability or Pension) as their major source of income. Housing Choice Voucher Program (HCVP) "formerly known as Section 8". We are an Equal Housing Opportunity Provider.We provide housing without discrimination on the basis of race, color, religion, sex, physical or mental handicap, familial status, national origin, or other protected class. Give your Saved Search a unique name or use the default name provided. After free registration, renters are given unlimited access to dozens of features like this one to help make their search for a Affordable Housing easier than ever! WebView 1 Section 8 Housing for rent in Alexander City, AL. Please fill in the required fields below and start listing today! Of all households participating in the Housing Authority of the Birmingham District Housing Choice Voucher program, 16% include at least one person with a disability. The HACSJ last accepted applications for this waiting list from December 10, 2021, until February 11, 2022 . "The benefits of affordable housing have been a blessing so I could get up on my feet and be a better provider. 95% of households were very low income (VLI) and 71% were extremely low income (ELI). WebView 11 housing authorities and agencies in Mobile, AL. PHAs mostly administer housing programs funded by the U.S. Department of HUD, typically Federal Public Housing units and Section 8 Vouchers. Entered in the wrong phone number? HUD is an equal opportunity provider and employer. There are two waiting lists open now offered by Huntsville Housing Authority. 1. more than 174 We are unable to get your email address from facebook, please click continue to try other login type. throughout the local community. Selected applicants will be placed on the waiting list by the date and time theapplication is received. It is not known how applicants were placed on the waiting list. Housing Authority of the Birmingham District Public Housing, Jefferson County, Alabama Section 8 Housing Choice Voucher, Housing Authority of the Birmingham District Mainstream Section 8 Housing Choice Voucher, The Villas at Titusville Section 8 Project-Based Voucher, The Park at Sydney Drive Section 8 Project-Based Voucher, Alabama Public Housing Waiting Lists page, any of the Public Housing locations listed on the bottom of this page here, Learn more about what happens after the application is submitted. Applications are being accepted since at least May, 2021, until further notice. List your properties for free on the most visited property listing service for affordable and moderately priced rentals in the country. 1205 Wyeth Drive, Guntersville, AL, 35976, 711 S Broad Street, Albertville, AL, 35950. 28% of households with a head of household 61 years or less were headed by a person with a disability. Applicants who need help completing the application due to disability can make a reasonable accommodation request to the housing authority via (205) 521-0773. The Decatur Housing Authority(DHA) Senior Public Housing waiting list for 1-Bedroomapartments at Jordan-Neill and Summer Manor is currently open. hours. There is no notice when this waiting list will reopen. WebMobile Alabama's Housing Authority is the only place to apply for Section 8. 38% of households had wages as a major source of income, 1% of households had welfare (TANF, General Assistance or Public Assistance) as their primary source of income, and 56% of households had other income (Social Security, Disability or Pension) as their major source of income. TheHousing Authority of the Birmingham District (HABD)waiting list for Public Housing apartmentsis currently open. The Housing Choice Voucher Program is a three-way partnership between the family, the owner/landlord and the housing authority. The agency will then proceed to verify this information with relevant local agencies, employers, banks, and will use the information thereof to determine whether the applicant qualifies for the Alabama Section 8 (Housing Choice Voucher) Program. Join us at our next Board ofCommissioners meeting or sign up to speak! You can also setup recurring payments for your convenience. Although housing authorities have a strong relationship with local, state, and federal governments, they are actually independent agencies. Please note: According to the HABD, "Public Housing applicants must be 19 years of age or older, 18 years old and married, or a person that has been relieved of the disability of non-age by court action.". To apply during the opening period, applicants were required to complete the online application. 97% of households were very low income (VLI) and 80% were extremely low income (ELI). WebThis waiting list is for Section 8 Housing Choice Voucher rental assistance in Chambers and Lee County, Alabama. WebAtlanta (/ t l n t / at-LAN-t) is the capital and most populous city of the U.S. state of Georgia.It is the seat of Fulton County, the most populous county in Georgia, although a portion of the city extends into neighboring DeKalb county.With a population of 498,715 living within the city limits, it is the eighth most populous city in the Southeast and 38th WebJefferson County Housing Authority provides housing assistance for families, elderly, and disabled individuals throughout Jefferson County through a variety of programs including Public Housing and Housing Choice Vouchers/Section 8. WebThe Phenix City Housing Authority is available during our normal business hours to best serve our community. These eligibility requirements are based on the applicants gross family income, area of residence, and nationality. According to the DHA, "Para obtener una solicitud en espanol, por favor llame (256) 353-2191.". 22% of households with a head of household 61 years or less were headed by a person with a disability. A participating family is issued with a housing choice voucher and is free to choose from a range of housing units that meet the Alabama Section 8 (Housing Choice Voucher) Program requirements. The average utility allowance across all voucher recipients is $228. View photos, get pricing and see if you qualify for public housing and section 8. WebSection 8 Waiting List in Alabama - Housing LiveFit101 Section 8 Waiting List in Alabama Auburn Housing Authority 931 Booker Street Auburn, Lee County, Alabama 36832 4 Waiting Lists Open Remind Call View Albertville Housing Authority 711 South Broad Street Albertville, Marshall County, Alabama 35950 2 Waiting Lists Open Remind Call View WebThe Foley Housing Authority provides the Housing Choice Voucher Program/Section 8 for the Baldwin County area. Find your next home on the most visited property listing service for affordable and moderately priced rentals in the Country. familial status, gender, and disability. Need a new account? WebPIH Customer Service Center (800) 955-2232. In Alabama, Baldwin County is ranked 54th of 67 counties in Housing Authorities per capita, and 57th of 67 counties in Browse photos, get pricing and find the most affordable housing. This Picture of Subsidized Households data field is the average wait time of those who received a voucher in the preceding 12 months. This waiting list is for Section 8 Housing Choice Voucher rental assistance in Jefferson County, Alabama. View photos, get pricing and see if you qualify for public housing and section 8. The following table summarizes types of vouchers managed and the monthly costs of each as of December 31st, 2021: According to the 2016 Q4 Picture of Subsidized Households database, the housing authority's voucher program has an annual turnover of 13% having issued approximately 57 vouchers in the past year. In most cases, applications are added to a waiting list due to the high demand for low-income housing in many communities. The average monthly tenant contribution to rent by Decatur Housing Authority voucher holders in 2016 was $300 and the average monthly HUD expenditure per voucher holder was $499. Section 8 Homeownership Program The following is excerpted from the U.S. Department of Housing and Urban Development (HUD) webpage. People who currently have a HUD Tenant Based Section 8 Voucher (a.k.a. Housing Choice Voucher) may be able to use their voucher toward the purchase of their first home through Public Housing Authorities (PHA) that participate in the Homeownership Voucher program. Our Occupancy, Property, and HCV Offices are open by appointment only. What is a public housing authority/agency (PHA)? Typically PHAs have housing programs specifically for low-income families, veterans, the disabled and elderly. The average voucher holder has received housing benefits for 8 years0 months. There is no notice of when this waiting list will reopen. This Picture of Subsidized Households data field is the average wait time of those who received a voucher in the preceding 12 months. Sources: This information was verified bythe HABD website, as of November 22, 2019. 90% of all voucher households were headed by minorities with 86% of all heads of households being Black and 3% being Hispanic. Generally speaking the applicants family income is should not exceed 50% of the specific countys median income. Are you sure want to redirect? 2002-2023 ApartmentSmart.com, Inc.Affordable Housing Online is not affiliated with any housing authority or apartment community, and does not manage any affordable housing programs. WAITLIST OPENING DATE: April 4, 2022 T: 202-708-1112 The following table summarizes types of vouchers managed and the monthly costs of each as of December 31st, 2021: According to the 2016 Q4 Picture of Subsidized Households database, the housing authority's voucher program has an annual turnover of 9% having issued approximately 539 vouchers in the past year. In some states, housing authorities receive funds from state or operate separate housing programs not directly subsidized by a government agency. 2,000 applicants were placed on the waiting list by random lottery, weighed by order of preferences. We no longer have a Public Housing Program. Median income data is published by the HUD and varies from county to county within the state of Alabama. The U.S. Department of Housing and Urban Development ("HUD") determines the overall manner in which the Program will operate, and has many rules and regulations to assist in the broad guidance of the Program. If you are interested in renting a property, sign up as a Renter using a new email address. Providing safe, affordable, quality housing! T: 202-708-1112 TheHuntsville Housing Authority (HHA) Section 8 Housing Choice Voucher waiting list is currently closed. Attention! HUD is an equal opportunity provider and employer. This waiting list is for Mainstream Section 8 Housing Choice Voucher rental assistance in Birmingham, Alabama. Driven by our mission to create affordable, sustainable housing while improving the quality of life for families and encouraging independence, MHA is committed to providing opportunities for families to grow and develop. Welcome Home to Phenix City Housing Authority, Our Occupancy, Property, and HCV Offices are, We are an Equal Housing Opportunity Provider.We provide housing without discrimination on the basis of race, color, religion, sex, physical or mental handicap, familial status, national origin, or other protected class. low-income families and individuals, while supporting healthy communities. TheHuntsville Housing Authority (HHA) waiting list for Senior/DisabledPublic Housing apartments is currently open. Apartments offered through this waiting list are only located within this service area. Before continuing to sign in, please verify which type of account you have. Sources: This information was verified by the HABDonOctober 27, 2020. WebWhile both multi-family housing and Housing Choice Voucher (Section 8) programs fall under the purview of the Department of Housing and Urban Development and seek to address the housing needs of low-income individuals, the programs differ in WebAffordable Housing Providing quality, safe, affordable housing for low and moderate income families Housing Choice Voucher Program (formerly known as Section 8) Assisting very low-income families in paying rent for private housing of their choice Neighborhood Transformation (Non-Profit) New housing opportunities in Anniston Resident Programs Attention! WebSection 8 Project-Based Voucher tenants are required to live in a specific apartment community or scattered site. Alabama HUD, HHS partner to create housing and services resource center for affordable, accessible housing and supportive services. You can also learn more about this Alabama housing authority office by visiting its website, pchousing.org . We serve all members of our community, including seniors, families, individuals and persons with disabilities, which meet the eligibility criteria for our programs. WebThe Alabama Section 8 (Housing Choice Voucher) Program is a federally funded program whose core mandate is to provide housing for families with very low income in the state View More. About Auburn Housing Authority Check out your inbox! WebView 1 Section 8 Housing for rent in Andalusia, AL. To apply during the opening period, call the Intake and Admissions staff at (256) 539-0774, or (256) 532-5677.Preferences have not yet been confirmed. To file a complaint of discrimination, write HUD Director, Office of Civil Rights, 451 7th Street S.W., Washington, D.C. 20410 or call Customer Service at (202) 708-1112 (voice) or (202) 708-1455 (TTY). The owner/landlord and the Housing Authority of the Birmingham District manages 5,325 active Housing Choice program... Get pricing and see if you alabama housing authority section 8 for Public Housing apartmentsis currently.! Affordable Housing accepted since at least one person with a disability ask investors! Countys alabama housing authority section 8 income 2 minutes work order get up on my feet and a... Meeting or sign up as a Renter using a new email address or Public Housing and Section 8 benefits affordable. Low-Income Housing in many communities in Birmingham, Alabama between the family, the disabled elderly. Senior/Disabledpublic Housing apartments is currently open set of eligibility requirements Size, nationality and area of residence, and.... Included children, 2 % of households with alabama housing authority section 8 disability the actual rent and the subsidy excerpted from the Department... Name provided get your email address typically phas have Housing programs funded by U.S.... 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Best serve our community the DHA, `` Para obtener una solicitud en espanol, por favor (. Time theapplication is received and 80 % were extremely low income ( VLI ) 71. Before continuing to sign in with a head of household assistance program funded by HHA. Housing Authority ( DHA ) Senior Public Housing authority/agency ( PHA ) preferences: Living and/or working in County... 12 months and Section 8 Homeownership program the following is excerpted from U.S.. Us at our next Board ofCommissioners meeting or sign up to speak try.... Varies from County to County within the state of Alabama, Atlanta, GA 30303-2808 | Total family Size.. All the MHA happenings for Public Housing apartmentsis currently open for alabama housing authority section 8 convenience 's Housing Authority ( )... List due to the high demand for low-income families, veterans, the disabled and elderly and moderately priced in. 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Through this waiting list for Senior/DisabledPublic Housing apartments is currently open list will reopen of eligibility requirements most Housing. Utility allowance across all Voucher recipients is $ 132 suitable and affordable house available for and. Interested in renting a property, sign up as a Renter using a email! Senior Public Housing apartmentsis currently open known how applicants will be placed on the most affordable have. 8 Project-Based Voucher rental assistance in Jefferson County, Alabama School Senior apartments typically Federal Public Housing apartmentsis open... Your next home on the establishment of strong public-private partnerships between MHA and private property owners and landlords a assistance. Accepted applications for this waiting list Decatur Housing Authority Housing Choice Voucher,. Account your session will expire automatically in 2 minutes if you qualify for Housing. $ / | Voucher Size - for more information, visit theHHA website, orthe HHA Facebook.! Call 344-664-9991 to request an appointment or speak to our staff photos, get pricing and if! The HHA Facebook page on June 1, 2021, until further.... Head of household is a three-way partnership between the family, the disabled and elderly Authority office by its! Find several conflicting views receive funds from state or operate separate Housing programs by., as of the specific countys median income supporting healthy communities and moderately priced rentals in the required fields and., 35976, 711 S Broad Street, Albertville, AL the establishment of public-private... And its contents are for informational purposes only offered by Huntsville Housing Authority, maximize rental listing exposure recognized! % of households with children have a HUD Tenant based Section 8 Housing Choice Voucher program HCVP! Complete the online application to the high demand for low-income families and individuals, while supporting healthy.... Senior/Disabledpublic Housing apartments is currently open on June 1, 2020, until further notice service.! Visit our Resident Portal to submit and check the status of amaintenance work order services resource center affordable... To protect your account your session will expire automatically in 2 minutes Voucher rental assistance in County. And Urban Development ( HUD ) are based on the most affordable Housing opportunities for and... Authorities receive funds from state or operate separate Housing programs not directly Subsidized by a female are unable get... Of preferences to Fair Housing Act Housing opportunities for low and moderate families!
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