Family gets ‘stability, security, a place to call home,' thanks to Conshohocken developer's new charity

Many subprime borrowers in the United States are financially unable to buy a home themselves. An unconventional lender is trying to make it easier for low-income people to buy houses despite the tighter requirements that other lenders adopted after the mortgage bust.

To break through gridlock on fair housing, city planners, citizens, and government officials in wealthy Westchester County, New York, try a new tactic: Using a simulation game to try out different development scenarios. The result has been increased civic participation and efficiency.

Ithaca works on a three-pronged approach to conquer homelessness, and to make housing more affordable in general.

Shreveport, Louisiana, faces blight. New Orleans decreased blight by 30 percent by creating an authority for the task, using technology to collect data, and providing residents with information and help.

New Orleans implemented an extraordinary 10-year plan that engaged unprecedented cross-sector collaboration between government, non-profit, and private entities to provide housing and housing services to the city's homeless veterans. The city's success in providing homes for every single veteran formerly on their streets motivated cities across the nation to tackle the crises using similar means, leading to a 1/3 decline veteran homelessness since 2010.

An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.

By the 1980s, Roxbury and north Dorchester had been devastated by the disinvestment and white flight of the 1960s and 1970s. Racist banking and housing policies (“redlining”) had segregated people of color from opportunity, barring them from getting home loans except in certain neighborhoods. So the Dudley Street Neighborhood Initiative (DSNI) brought together residents to develop their own comprehensive plan to revitalize their community, building a community food system along the way.

People need a place to sleep and eat, they need privacy, but they also need community. Seattle had a recent boom in micro-housing which offers a community living model where individuals have a personal tiny room and bathroom but share a kitchen.

An affordable housing development in Mount Laurel, N.J., holds promise for integration by placing the development in an upscale suburban area. Since 140 affordable units were built in 2000, there has been no effect on crime rates, property values, or taxes, in reference to nearby suburbs.

Civic leaders in the U.S. struggle to effectively help their distressed neighborhoods. East Lake, Atlanta, created a replicable model that mixes residents of differing socio-economic status, and focuses on education and health in the area.