Loan program provides options for the needy

May 2, 2013
Loan program provides options for the needy
By State Sen. Patricia Jehlen
Second Middlesex District
(The opinions and views expressed in the commentaries of The Somerville News belong solely to the authors of those commentaries and do not reflect the views or opinions of The Somerville News, its staff or publishers.)
Faced with physical limitations, some seniors and people living with disabilities may have difficulty navigating their own homes safely. In some cases, they might even be forced to move away or to assisted living facilities. The Massachusetts Home Modification Loan Program (HMLP) provides another option, the option of living independently and safely.
In our neighborhoods, the Metropolitan Boston Housing Partnership (MBHP) administers funds on behalf of the Massachusetts Rehabilitation Commission. This state-funded program provides loans to seniors and those living with disabilities to undergo needed modifications to their homes. The modifications are necessary not only for convenience but also for safety and health, as research by the National Centers for Disease Control and Prevention shows that home modifications and repairs may prevent 30% to 50% of all home accidents among seniors.
The HMLP can make expensive changes affordable to individuals or families who truly need accessibility to live more comfortably in their own home by removing the everyday obstacles that make getting around difficult. The simple widening of doorways, altering bathrooms or adding an entry ramp can make an astounding difference, allowing an elderly or disabled person to stay in the home they love.
As of March 2013, CEDAC and its cooperating agencies (including MBHP) have closed 1781 loans valued at $39.4 million since the program inception in 2000. Twenty-two percent (386) of those loans went to elders. Since April 2005 (when CEDAC started collecting more detailed information), 216 loans to elderly homeowners – valued at over $4 million – were closed. In Somerville alone $116, 415 has gone to modifying homes.
The loans provided by the HMLP are affordable—no- or low-interest. The program provides both deferred payment loans (DPL) and amortized loans. No-interest loans from HMLP do not have to be repaid until the sale of the home or a transfer of the title. The low interest loans from HMLP can be repaid in monthly increments over 5 to 15 years, at a rate of only 3% interest. These low costs allow families to invest now in making their homes accessible without the anxiety of high payments.
Homeowners are eligible for a loan if they or a member of their household is living with a disability. Additionally, landlords are eligible if they would like to make modifications to assist a tenant. The HMLP provides funding of up to $30,000 for modifications.
Living in your own home is a comfort that all of us deserve. The HMLP can help remove the barriers to allow the comfort of home to those who need it most.
The MBHP will be hosting an information session, “Housing Challenges and Opportunities: Partnering for Innovative Solutions,” on May 17th from 8:30 – 10:00am at the Walnut Street Center, 35 Charlestown Street, Somerville. For more information about the HMLP you can visit www.mbhp.org (under programs).

URL: http://www.thesomervillenews.com/archives/37828

Copyright 2010 The Somerville News and Prospect Hill Publishing, Inc. The Somerville News is the only locally owned and operated community newspaper in Somerville.

SourceThe Somerville News

Home loans to help the disabled

Sunday, February 24, 2013
Home loans to help the disabled
When my mother became too unsteady on her feet several years ago to navigate from her back stoop to the garage, we had a carpenter build a railing around the stoop stairs and install a grab bar along the back of the house. The whole project ran maybe $1,000, a sum she could afford. If she couldn’t, family would have helped.
Sometimes though, even with family giving a hand, money is too tight for some people to make such needed renovations to their homes.
The Massachusetts Rehabilitation Commission (MRC) has a Home Modification Loan Program that can help.
Established by the state Legislature in 1999, and refinanced several times, it has been expanded to include not just those with physical disabilities, but with cognitive, developmental, and neurological disabilities, and chemical sensitivities as well.
It covers simple things like ramp or bathroom grab bars or widened doorways.
Any homeowner who is a frail elder or has a disability, has a household member who has a disability, or rents to someone with a disability (in a building with fewer than 10 units) can apply for this loan.
Depending on the income, you can borrow between $1,000 and $30,000 to make improvements that will allow you to remain living in your home. The improvements have to relate specifically to the applicant’s disability and his or her ability to function on a daily basis.
Depending on income, some loans carry 3 percent interest and must be repaid in installments over five to 15 years. Some are 0 percent interest and not payable until the property is sold or has its title transferred.
Homeowners are allowed to hire the designer and/or the contractor of their choice.
These are one-time loans. Borrowers cannot come back for more funding for the same property once their project is complete.
Eligibility guidelines and instructions on how to apply can be found on the Massachusetts Rehabilitation Commission’s website –www.mass.gov/mrc/hmlp.
You can also call (617) 204-3739; or (800) 245-6543 (voice/ TDD) or email susan.gillam@state.ma.us.
You can also write to Home Modification Loan Program, Massachusetts Rehabilitation Commission, 27 Wormwood St. Suite 600; Boston MA 02210, attn. Susan Gillam.

© Copyright 2013 Media News group
URL: http://www.berkshireeagle.com/ci_22656643/home-loans-help-disabled

SourceThe Berkshire Eagle

A loan granted, a life grown smoother

July 26, 2012

A loan granted, a life grown smoother
By David Rattigan, Globe Correspondent

This is not about a wheelchair ramp, but about the change it can create.
“Prior to having the wheelchair ramp, Donald was basically housebound, because he wasn’t able to use his legs,” said Elizabeth Langosy, 62, of Medford, speaking about her husband and a modification they made to their home through a state low- and no-interest loan program.
The loan is part of the state’s Home Modification Loan program, which provides help to people requiring modifications to their home due to disability or age. Earlier this year, the program reached a milestone when it gave its 1,500th loan.
The Langosys were not the recipient of that particular loan, but are a good example of the change the program can make in people’s lives.
Donald, 64, is a painter whose work is featured in the collections of the Museum of Fine Arts as well as The Fogg Museum, the oldest of Harvard University’s art museums.
He also has secondary-progressive multiple sclerosis, which means at different times, his legs go completely limp or stick out rigidly. Before the installation of the ramp, it was s struggle for Elizabeth, her two daughters, or a son-in-law to maneuver Donald out of the house and into the car.
“Often we would try to get him to a medical appointment, and I would just have to cancel it because we would be hours and hours late, no matter how early we started,” Elizabeth said. “It would also be difficult and humiliating for Donald, as we tried to bring him up and down the stairs of the house that way. And people are funny, too. People would just hurry by without offering to help. I think there’s a shyness in the world about disabled people.”
With the installation of the wheelchair ramp leading from the porch of the home they bought with their daughter’s family, leaving the house became as simple as wheeling him down the ramp. He’s signed up for The Ride, which provides transportation for those with disabilities, and also with the Multiple Sclerosis Clinic at Mount Auburn Hospital, where caregivers helped him acquire a new, more versatile wheelchair.
“We’ve even gone for some walks around the neighborhood,” Elizabeth said. “He’s gone from being completely restricted and home all the time and having even a simple doctor’s appointment being almost impossible, to being more able to be more involved with the community, and his doctors.
“It’s made an enormous difference. I almost can’t put into words the how much of a difference it’s made to have that door opened for him.”
Ditto for the other changes the Langosys were able to make with the $30,000 loan, specifically modifications that transformed their closet-sized bathroom to something much improved for Donald’s needs.
“The bathroom is really a nice room now. It’s actually the nicest room in the house,” said Donald, possessor of a sly sense of humor. “When you come over, we can have cocktails in the shower.”
Donald and Elizabeth Langosy were able to open that door by using a no-interest loan from the Metropolitan Boston Housing Partnership, plus grants of $1,000 from Mystic Valley Elder Services and $2,000 from the MS Society.
“We have a survey people fill out at the end of their projects about their experience, and the glowing things that people say about how it’s changed their life is really rewarding,” said Susan Gillam, program and outreach coordinator for the Community Economic Development Assistance Corporation, which administers the Home Modification Loan Program statewide through six regional nonprofit housing organizations that work directly with consumers during the application process. North of Boston, those include the Metropolitan Boston Housing Partnership and Community Teamwork, Inc. of Lowell.
According to statistics provided by the corporation, through January, $33 million had been loaned through the program since 2000, to people in 227 of the state’s 351 cities and towns. Almost 80 percent of those have been no-interest loans, the average loan is slightly more than $22,000, and the money has gone to creating or altering 554 bathrooms and 575 ramps or lifts.
“With a relatively small dollar amount you can really have an impact,” said Karen Kelley Gill, the Community Economic Development agency’s deputy director and chief financial officer.
“It’s not the easiest thing to take advantage of, because there’s a lot of paperwork involved,” said Donald Langosy. “But when it happens, it’s fantastic. I’m just a humble painter, and my wife’s a writer, and we could have never made these changes in our life except for this program. It was a godsend.”
For more information, go to www.mass.gov/mrc/hmlp.
David Rattigan can be reached at Drattigan.globe@gmail.com.

© Copyright 2012 Globe Newspaper Company.
URL: http://www.boston.com/news/local/massachusetts/articles/2012/07/26/a_loan_granted_a_life_grown_smoother

SourceBoston Globe

Jackson Street Group Home opens

July 27, 2011
Jackson Street Group Home opens
By Harry Kane
The Walnut Street Center has expanded, and now a new group home for handicapped adults opened last Friday July, 22 on Jackson Street. “There are currently 18 of these facilities in Somerville now,” said Katherine Hardy, the Office Facilities Manager at the Walnut Street Center. “There will be 5 new tenants living at the Jackson Street facility starting in August.” The Walnut Street Center provides support services in Somerville and other nearby communities to people with developmental disabilities.
Joe Churchill, Executive Director at the Walnut Street Center said, “The Jackson Road Project represents Walnut Street Center’s continuing effort to provide excellent service delivery and state of the art facilities for the intellectually and physically impaired consumers we have pledged to serve. I intend to continue the tradition started by the Walnut Street Center over 40 years ago, to increase opportunities for our disabled consumers to live as independent and productive members of the community.”
The funding for this project was earmarked in 2003 and construction began for the facility in 2010. Juan Gomez, Finance Director at the Walnut Street Center worked in coordination with the DDS to secure funding and make the project a reality. The US Department of Housing and Urban Development (HUD) gave $614,400 while CEDAC gave 472,629 and the City of Somerville allotted $80,000. The total cost of construction and development was $1,167,029.
John Wheeler, The President of the CARE inc., the Community Alternative Residential Environments said, “Our board’s responsibility is the financial viability and the care-taking of the facility. We make sure the resources we’ve got are being invested correctly.” This property had previously been a group home and had an open lot next to it, so this made it possible to build a larger group home. Wheeler referred to the Jackson Street Project as a “half renovation, half stick built project.”
Jim O’Dea, the Director of Residential Supports thought there were plenty of design features worth noting. “There is a lift system throughout the house so that the folks can safely get from the bedroom to the bathroom. We have the four bedrooms along the back of the house. Each of the bedrooms has access to the back deck so in an emergency we can very quickly, safely, and easily have the ability to evacuate people. In the kitchen we dropped the stove and countertops down so that the folks in wheelchairs could participate in any of the activities that took place in the kitchen. In the far bathroom we have the wide-open shower with the same track system that brings folks into that bathroom. We designed it with a lot of light with a nice bright cheery atmosphere to live in. We designed it so we could get the wheelchair van up around the back so that after activities they can get back up the ramp and into the house. Out in front we put in an elevator lift that we can use to help people get in and out of the house if need be. They kept the nice front porch so people can sit out and hang around out there, put the windows up and the screens down and just kinda enjoy the neighborhood.”

Copyright 2010 The Somerville News and Prospect Hill Publishing, Inc.
URL: http://www.thesomervillenews.com/archives/1753

SourceThe Somerville News

Handicap Accessibility Money

justthinkjill.com

Wednesday, January 14, 2009

Handicap Accessibility Money

The Massachusetts Rehabilitation Commission and the Community Economic Development Assistance Corporation lend directly to homeowners loans from $1,000 and up to $30,000 for upgrading their house to make it handicapped accessible. The money would cover safety features such as a ramp, a lift, a new floor, lower countertops, etc. The interest rate is either 0% or 3%, depending on income and family size. The 0% loan is deferred until the house is sold or transferred. The 3% loan is interest only or principal and interest for the 15 year term. Contact Mary Ann Walsh 508-202-5919.

Posted by Jill at 7:43 AM

Stable URL: http://justthinkjill.blogspot.com/2009/01/handicap-accessibility-money.html

Sourcejustthinkjill.blogspot.com

Trio of families helped with home modification loan

Timothy, Matt and Adam are best friends. It’s a relationship forged during years of sharing a Winthrop classroom and their struggle to overcome their individual disabilities. Their relationship pulled their families together as well, and their moms became each others’ friends and supporters.

The boys grew into adults, and the parents knew that they needed to start a different kind of planning for their sons’ futures.

“Four years ago, I had surgery and realized I needed some long-term plans for my son,” said Sheila, Timothy’s mother. “I wouldn’t be here forever, and I wanted him to live as independently as possible with help as needed … the time was coming to make plans.”

Sheila, Matt’s mom Karla, and Adam’s mom Nancy started looking at their options, wanting a family-type setting. “I asked Matt where he’d like to live, and his vision was to live in an apartment with his friends in Winthrop,” recalled Karla.

So, the mothers set out to do just that – find a place where their sons could live together as independently as possible. The solution, which Karla calls “creative housing, creative living,” combined interagency and community support services with the perfect house – except for one problem. The apartment where their sons would live lacked a much-needed second bathroom.

Working with MBHP’s Susan Shea and Jennifer Shaw, the families were able to secure a Home Modification Loan for some changes to the house, including turning a pantry room into the second bathroom.

Now, the friends live in the house’s second and third floors, with plenty of bedrooms, bathrooms and space to entertain and to play their Wii. They receive daily services as needed, and the tenants on the first floor “keep an eye on things,” said Sheila, providing additional piece of mind.

“It’s great,” said Timothy, looking around the apartment. His best friends nodded in agreement.

SourceMetropolitan Boston Housing Partnership (MBHP) Annual Report 2008

Flowering in Magnolia

Flowering in Magnolia

By Amanda Flitter
Staff Writer
September 18, 2008 10:51 pm

On a quiet road in Magnolia, three ladies are the talk of the town.
They have been described as social, classy, and chic — and they are changing how people look at the lives of the physically and mentally disabled. Each woman has a developmental disability, but with some daily assistance from trained house staff, all three are living active, independent lives and are important members of their new community.
Residents Eileen Doherty, Mary Beth Barnjum and Elizabeth Chaisson can be seen volunteering locally, taking walks, and hosting neighbors for cookouts. Although they just moved to Magnolia in May, they are already fitting in well with the neighbors, many of whom visit the women.
“There have been all these lovely connections that have happened because neighbors took time to get to know them,” said Jane Bowden, the house director. She has worked with the women for five years.
“Even the neighborhood cat has taken a liking to the ladies!” Bowden said of a stray who regularly visits.
The newly renovated, four-bedroom home on Lowe Drive the women live in is part of the North Shore Arc, a nonprofit disability services organization that offers supervised and supported living for people with developmental disabilities.
Joanne Wahl, division director for residential services and supports, said the Arc offers “a very stylized service” because each case is customized depending on the needs of the people.
The women originally lived in an old Victorian house on Washington Street in Gloucester, but the two flights of stairs to the laundry room became too much for Doherty and Barnjum, who are in their early 60s. The staff at Arc suggested they move to a ranch-style house.
The house in Magnolia is a one-floor ranch, and after extensive renovations it now has everything the ladies need — a porch, handicap accessible bathrooms, a growing perennial garden, and a laundry room with the latest machines.
“We don’t miss the old place at all,” Doherty said.
Staff at the house assist the women, but their lifestyle is fairly independent. Each has house chores and jobs to go to.
Anita Pacheco, one of the house managers, has known the women for two years. She takes them to their appointments, helps around the house, brings them on walks, and takes them to activities such as bowling and bingo.
“I leave here every day, no matter what, with a smile,” Pacheco said. “I take away a lot from these women.”
Pacheco said the ladies’ visibility changes people’s perceptions about the disabled and opens doors in the community.
The story of the three women is as unique as their personalities.
Doherty and Barnjum have been roommates for 18 years. They first met when Doherty taught Barnjum how to read. It led to a long friendship with memories of walking together to Friendly’s and Tony’s Marketplace when they lived in downtown Gloucester. Now, they walk to the local Dunkin’ Donuts.
While Doherty and Barnjum are in their early 60s, Chaisson is only 23.
Chaisson said that, when she first heard that her housemates weren’t in her age group, she was worried, but things have worked out well. Bowden said they have formed their bonds over common interests — such as shopping.
While the women have connected through their similarities, all have distinct hobbies and volunteer commitments that keep their days full of activity.
Barnjum is an avid craftswoman who knits, crochets, and weaves key chains. In Gloucester, she gained local celebrity status for sitting outside their old house on Washington Street while she worked. People honked as they passed and gave her yarn for projects; and when she moved, people were concerned.
“People were calling Arc and asking, ‘Where’s Mary Beth?'” Bowden said.
“She was a fixture, really,” said current neighbor Sandy Spinola, who would drive past Barnjum on her way to work.
Sitting outside on the lawn and waving to passing cars was one of the things Barnjum missed after the ladies moved. But thanks to two sunny yellow garden chairs, she is still able to sit outside and crochet in Magnolia.
When she completes her projects, she sells them at local craft fairs and to anyone who comes by. She also teaches her talent to local children.
Spinola said her grandson goes to the house and Barnjum teaches him how to make key chains.
“She’s so patient with the kids,” she said.
Doherty likes to write poetry in her spare time, and some of it can be found framed on the walls. She began writing again after she lost her job at a bank.
“God works in funny ways,” she said. “If I had never been laid off from the bank, I might not have gone back to writing poetry.”
She’s also an avid traveler, and is preparing to go to Walt Disney World in Florida for the third time. She also volunteers at the Second Glance, a thrift store in Gloucester.
Chaisson has a gift for working with animals and helps at the Cape Ann Animal Aid shelter walking dogs.
“I love dogs,” she said. “I have a very kind heart with dogs.”
Spinola said the three women bring a great aspect to their quiet road.
“The ladies just make a nice balance in the neighborhood,” she said.
The women are happy to be a part of the community, and wouldn’t have it any other way.
“We love it here,” Doherty said. “We’re happy here.”

URL: http://gloucestertimes.com/pulife/local_story_262225118.html
Amanda Flitter can be reached at gt_reporter@gloucestertimes.com.
Copyright © 1999-2008 cnhi, inc.

SourceGlousterTimes.com

Aid to Make Homes ‘Accessible’

Americans generally would prefer growing old in their own homes. Yet many of those homes are ill-suited to the disabilities that can accompany old age.

While the prospect of renovating to accommodate age-related or other disabilities may seem daunting, experts say there are ways to keep costs down, including potential federal tax deductions and assistance from nonprofit and government groups.

Public and commercial buildings nationwide have installed ramps, automatic doors and wheelchair-accessible bathrooms, thanks largely to the federal Americans With Disabilities Act. But while the law can apply to apartment buildings and condos, it doesn’t apply to private homes. Only a few communities — including Tucson, Ariz., and surrounding Pima County — have begun requiring new homes to include some key accommodations.

The Cost of ‘Accessible’

In new homes, accessibility features typically add no more than about 5% to construction costs, according to the Center for Universal Design at North Carolina State University.

But retrofitting an existing home can be more challenging and more expensive: Many were built with narrow doorways and stepped front stoops, or would require installing a first-floor bathroom or a chairlift or elevator to make a bathroom on a higher floor accessible.

External elevators might cost $26,000 or more, while a simple chairlift on a straight stairway could cost $2,500 to $5,000, the Center for Universal Design estimates. Outdoor ramps might cost a few hundred dollars to $2,400 per foot of rise; a wider exterior door could cost $1,600, the group says.

Simpler fixes are cheaper. Family members with Parkinson’s disease or other conditions limiting fine motor skills may need lever-style faucet or door handles in place of knobs. Bathrooms may need grab bars near the toilet to offer a firm handhold.

Aid from Uncle Sam

Federal tax law can help defray the costs by letting you deduct them from your taxable income as medical expenses. However, only medical expenses exceeding 7.5% of adjusted gross income generally are deductible. A physician should also approve the changes as medically necessary in writing, says Rosanne Grande, a financial adviser in Bohemia, N.Y., who has had several clients make their homes more accessible.

And don’t push it. “A lot of people think putting a pool in your backyard is physical therapy,” Ms. Grande says. Except in limited circumstances, “it’s not,” she says. “It’s recreation.”

The tax break can shrink if improvements increase the value of the home, and the cost of making an improvement prettier isn’t deductible. See guidelines and eligible expenses in Internal Revenue Service Publication 502. Some expenses may be deductible under state tax rules as well.

If you receive Social Security disability benefits or Supplemental Security Income, you may be eligible for additional benefits for “impairment-related work expenses,” or certain costs that make it possible to work. These can include some home-modification expenses as well as wheelchairs, vehicle modifications and even some medications.

Sources of Help

Some long-term-care insurance policies pay for some home modifications, as do some state Medicaid programs. Private health insurance and Medicare typically don’t.

For those unable to cover the costs themselves, various organizations, many local, might help, or even do the renovations directly. Some 400 Centers for Independent Living around the country can direct residents to local assistance programs, and may offer lists of contractors specializing in making homes more accessible. (Find a local center at ilru.org, the Web site of Independent Living Research Utilization.) Local housing authorities and Area Agencies on Aging may offer referrals too.

In Atlanta, for example, Senior Citizens Services runs a volunteer program that will install ramps, grab bars and railings for low-income disabled residents, as well as help with more routine maintenance, says program director Stephanie Suggs. The group also keeps a list of other area groups with similar programs.

Most states have an agency organized under the federal 1997 Assistive Technology Act to help disabled residents find financial assistance. The Association of Assistive Technology Act programs offers contact information at ataporg.org/stateatprojects.asp.

Some states offer direct aid as well. Pennsylvania residents can seek no-interest loans from the state’s Housing Finance Agency to modify a home they are buying. The Massachusetts Home Modification Loan Program offers low- and no-interest loans of up to $30,000 to modify a disabled or elderly resident’s primary home.

AARP says it hopes to compile a list of tax and other assistance for home modifications by year end.

SourceWall Street Journal