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Crossroads Housing Development Corporation is a 501(c)(3) non-profit corporation Community Housing Development Organization (CHDO) pursuant to, and in compliance with, 24 Code of Federal Regulations, Part 92, as amended (the"CHDO Rules").
Crossroads Housing Development Corporation offers a wide range of programs. Please click on PROGRAMS to learn more.
Crossroads Housing Development Corporation's service delivery area for Community Housing Development Organization (CHDO) purposes is Howard County and its contiguous counties and all areas west of U.S. Highway 59 in the State of Texas, and Regions 4, 5, 6, and 11 as reflected on the Texas Department of Housing and Community Affairs Map of Uniform State Service Regions of Texas as in effect in 2018. Some programs may be area specific based on target areas. Also, from time to time, the CHDC legal team may deem it necessary to alter the CHDC service area as necessary to conduct business in a slightly broader area. The above is our current service deliver area as of July 2024.
Each CHDC program may have different qualifications. Generally, the following criteria must be met to qualify Crossroads Housing to help:
1. Applicant's household income must be at or below 80% of the Area Median Income (AMI) as set by the U.S. Department of Housing and Urban Development. Individual Crossroads Housing programs may have lower AMI income levels. Currently all of our programs are at 80% of AMI.
2. The home must be in the CHDC service area.
3. The home must be owned by the applicant and be their permanent residence.
4. The applicant must be recorded as paid-up and current with any property taxes associated with the property in the county in which they reside.
5. The property must be a single-family residence.
6. The home must be on and attached to a permanent foundation such as concrete slab or pier and beam.
7. The homeowner must fill out a program application to be considered for our program(s).
Crossroads Housing Development Corporation is self funded mainly through our Low Income Housing Tax Credit (LITHC) partnerships. We are also able to take donations. We do not use grants or loans to provide our services.
No. Due to many variables such as limited funds and number of applicants, there is no guarantee that we will perform the needed repairs for any applicant. We accept all applications and verify eligibility. We choose the applicants in order of what we deem as more necessary or important in terms of safety, health and security.
No. CHDC will procure an experienced contractor.
No. Crossroads Housing pays for repairs including but not limited to materials and labor. We do not ask the homeowner for any money. However, as common practice, our Down Payment Assistance program does require a 24 month forgivable lien on the purchased property to deter the new homeowner from "flipping" the property for profit.
This page is still under construction and answers found on this page may or may not be inclusive of all needed details. Also, answers found here may not contain details from new updates to CHDC Bylaws and/or policies. This page is for reference only and is not intended to set policy. Please contact CHDC for more information.