Homeowner

“ Homeownership is more than just a symbol of the American Dream; it is an important part of our way of life. Core American values of individuality, thrift, responsibility, and self-reliance are embodied in homeownership. ”

“ During National Homeownership Month and throughout the year, we applaud the men and women who work to achieve the dream of homeownership, and we are grateful for those who provide counseling, lending, real estate, construction, and other services to these individuals. The hard work, financial discipline, and personal responsibility of our country's homeowners help transform neighborhoods throughout our Nation and reflect the best qualities of America. ”

“ In general.— To the extent that the Federal property manager holds, owns, or controls mortgages, mortgage backed securities, and other assets secured by residential real estate, including multifamily housing, the Federal property manager shall implement a plan that seeks to maximize assistance for homeowners and use its authority to encourage the servicers of the underlying mortgages, and considering net present value to the taxpayer, to take advantage of the HOPE for Homeowners Program under section 257 of the National Housing Act or other available programs to minimize foreclosures. ”

“ We have strengthened the cornerstone of the American dream along the way: the chance to own a home. Today, we have the highest homeownership in our Nation's history with record levels of minority homeownership. And more Americans than ever are celebrating that gift this holiday season. ”

“ For generations of Americans, owning a home has been an essential element in achieving the American Dream. Homeownership is often the foundation of security and prosperity for families and communities and an enduring symbol of American freedom. This month, we recommit to ensuring that hard-working Americans enjoy a fair chance at becoming homeowners. ”

“ Through a combination of down payment assistance, tax incentives, and education about the process and responsibilities of homeownership, we are helping thousands of Americans buy homes and pursue a better quality of life.
During National Homeownership Month, I encourage all Americans to learn more about financial management and to explore homeownership opportunities in their communities. By taking this important step, individuals and families help safeguard their financial futures and contribute to the strength of our Nation. ”

“ Homeownership encourages personal responsibility and the values necessary for strong families. Where homeownership flourishes, neighborhoods are more stable, residents are more civic-minded, schools are better, and crime rates decline. Thanks to the resources available in our Nation, more Americans own homes today than at any time in our history. However, among African American and Hispanic families, fewer than half are homeowners. My Administration is working to provide all families with the tools and information they need to accumulate wealth and overcome barriers to homeownership. ”

“ The benefits of homeownership extend to our communities. Families who own their own homes have a strong interest in maintaining the value of their investments, the safety of their neighborhoods, and the quality of their schools. Homeownership is also a bedrock of the American economy, helping to increase jobs, boost demand for goods and services, and build prosperity. ”

“ Another important step we're taking for American homeowners is to modernize the Federal Housing Administration. The FHA is a government agency that provides mortgage insurance to borrowers through a network of private sector lenders. ”

“ Four, we must promote new hope through homeownership. And that's the aim behind my HOPE initiative, to give the least advantaged among us a stake in their neighborhood by turning public housing tenants into homeowners. ”

“ Another obstacle to homeownership is the often complicated process of buying a home and getting a loan. My budget for 2005 would more than double funding for housing counseling services from 2001 levels. ”

“ I also know many Americans are concerned about meeting their mortgage obligations. The private sector and the government both have a role to play. More than three months ago, I announced a series of targeted actions to help responsible homeowners avoid foreclosure. ”

“ As Federal agencies continue working to implement housing assistance for American families, the Consumer Financial Protection Bureau offers this website as a one-stop shop for both homeowners and renters to learn about programs and resources that can help them stay in their homes by reducing the risk of eviction and foreclosure. ”

“ The expansion of homeownership is a widely supported goal in this country. A sense of ownership and commitment to our communities imparts a degree of stability that is particularly valuable to society. ”

“ Fourth, the decline in the housing market has left many Americans concerned about losing their homes. My administration launched the HOPE NOW Alliance, which brings together homeowners and lenders and mortgage servicers and others to find ways to prevent foreclosure. ”

“ The land agent naturally resides as a rule in the vicinity of the estate. Therefore he knows everybody by name; knows all about the incumbrances, the resources of every tenant, the length and breadth of every field, the price of produce, the probable value of the harvest; all the threads are in his hands; the landlord counts upon him, approves everything he does, upholds his rigours, and submits to his tolerance. Is he not himself at his mercy? The agent keeps all his deeds of property ”

“ Every householder being the head of a family, and every resident who has attained the age of sixty years, [89] is entitled to a homestead not exceeding in value fifteen hundred dollars, exempt from execution or attachment for any debt, contract, or civil obligation, while such homestead is actually occupied as such by the owner thereof, or his or her family. The homestead may consist of a house and lot or lots in any town or city, or a farm of not more than one hundred and sixty acres. ”

“ Though many houses have been sold in this way, a considerable part of the village is still the property of our company, and those that have been built by other parties are in accordance with a plan of streets laid down; and I should say are about equal to the others in comfort and conveniences, it being the interest of the person investing his money to get the best return he can for it; and that he may get his house let and a fair rent for it, he must build as good a house as the tenant can get for the same rent from another. ”

“ The Authority may foreclose on any property or commence any action to protect or enforce any right conferred upon it by any law, contract, or other agreement. The Authority may bid for and purchase at any foreclosure by any party or at any other sale, or otherwise acquire, and may administer, any low-rent-housing project which it previously owned or in connection with which it has made a loan pursuant to section 9, annual contributions pursuant to section 10, or capital grants pursuant to section 11. ”

“ A half-living consisted of four or five "nominal acres" in each of the common fields, with common rights upon the meadow, common fields and common down. A whole living was twice as large. The tenants elected two "viewers" and other officers, and the whole estate was a little picture of the times when landlord and tenant had equally well-defined rights and duties. Now that the tenant is only an agricultural labourer he has no right to anything but a bed in the Union in which to die. ”

“ On the small farms—say of nine or ten acres, let as high as £3 per acre for the best soil—the landlord thatched and otherwise repaired the dwelling-house, the tenant repairing the offices. If a new house were wanted on an unleased farm of this size, the landlord would build it, entering into a new contract with the tenant, and charging interest on his outlay, subject to the same modifications as in a leased farm. If the tenant wished to build himself, he would be allowed to do so, if he would build in accordance with the "office plans." ”

“ Holding our tenures as we do, with no privilege of entail to our posterity, an eye to his own interest, or to that of his family who is to succeed to his estate, should admonish the builder of a house to the adoption of a plan which will, in case of the sale of the estate, involve no serious loss. He should build such a house as will be no detriment, in its expense, to the selling value of the land on which it stands, and always fitted for the spot it occupies. ”

“ Under this system, it is customary for landlord and tenant each to receive one-half of all sales. As each owns one-half of all the live stock (teams excepted) , each shares equally in all increase. The landlord pays for the cost of permanent improvements such as new buildings, fences, repairs and drainage. The tenant, in making these improvements, in some cases, agrees to furnish two days’ labor for one day’s pay. The theory is that, while the increased value of the real estate is of advantage only to the landlord, the improved facilities are of some benefit to the tenant. ”

“ The tenant in a Morning Block will be supplied with hot and cold air, hot and cold water, steam, gas, electric light, food, and service at actual cost. His rooms will be provided him at the cost of taxes, insurance, and repairs, and he and his family will be made the beneficiaries of a fund, which he will be required to create for the contingency of his death or departure from the building. To guard against overcrowding, no one suite of apartments will be rented to any family of more than five adults, and no subletting or hiring of apartments will be permitted. ”

“ His opinion confirmed my own, nor must I forget to mention that this estate was to be purchased without money as it was offered on its own security in mortgage.
In the enclosure of this immense waste, called forest, there were two allotments purchased by the proprietors, one of 1,638 acres, and another of 1,113, in all 2,751 acres, which were a copyhold tenure, at a small fine certain. In addition to which they hired, at the same time, on a long lease, 1,614 acres more, being an allotment to the King, at a rent of 50l. in money, and 50l. to be laid out on improvements. ”

“ Where the landlord is willing to sell and the tenant to purchase a particular farm, then in his actual occupancy, at a price agreed upon between the parties, the government will advance the tenant the necessary funds; and when the landlord is only willing to part with his estate in bulk, the actual occupiers of four fifths, and any person or persons not occupiers joined with them, may become purchasers of the whole, and a similar advance will be made. ”

“ We were told, and I believe truly, that there are more house-proprietors—that is, more people who own the houses they live in—in the population than in any city of the Union; and I was struck by the immense number of dwellings of moderate dimensions, all trim and nice, freshly painted, with flowers in the windows, and little gardens of which we caught glimpses in our early drives through the clean, neat, well-ordered streets. ”

“ Sales of untenanted land, and, in particular, resales of demesne or other land to vendors, should be subject to the needs of migration, of enlarged holdings, and of making provision for evicted tenants, in the case of each estate or district, and no evicted farm should be resold to the vendor, or sold to a new tenant, if the evicted tenant, or his personal representative, is willing to become the purchaser. ”

“ The public, indeed, seem to have been infinitely surprised that our landed proprietors should have been so ignorant of the condition of the dwellings and of the circumstances of the people upon their estates; and the inference is, that there must have been something grievously wrong in the management of their affairs. No man, of course, can expect that the proprietor of a large landed estate should know minutely the condition of every cottage on it, and the discomforts of its poor inhabitant. ”

“ If he who makes two blades of grass grow where one grew before is a benefactor, then what is he who tears down a ramshackle tenement and rears in its place such a house as the Casa Ravello, where many families enjoy the privileges of privacy and individuality, or a group of houses such as those in the Richmond district, where the children have abundant play room and each occupant controls half his house, or a small home for one family of which so many examples are entered on the books of the Association in various localities and at varying prices, all within a modest range? ”

“ If he does not render it reasonably habitable, or take steps towards doing so within three months, the local authority may demolish the house and charge the costs to the landlord. In the Town Planning Act it is also provided that, in the letting of houses adapted for the working classes, there shall be an implied contract that the house is at the start, and shall be throughout the tenancy, kept by the landlord "in all respects reasonably fit for human habitation." ”

“ It is for the relief of these unfortunate people that the new houses are being built. They are very plain; but they have large windows which can be opened, and stone floors which can be cleaned, and tight slate roofs, and sanitary outbuildings; and each of them has a half acre or so of garden, where vegetables enough to support the family can be raised during the summer; and they rent for from two to three shillings a week—just enough to pay interest on the amount invested in the house, with a small sinking fund for upkeep and repairs. ”