Moises Loza

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  www.housingfinance.com/ahf/articles/2008/jan/SEEDS0108. - [Cached Version]
  Published on: 1/1/2008    Last Visited: 1/9/2008  

  "One of the problems we have is we aren't quite sure how many people we have working in the fields," said Moises Loza, executive director of the Housing Assistance Council (HAC), a nonprofit organization that helps local groups build affordable homes in rural America.He explained that the work is often seasonal, so the numbers rise and fall throughout the year, and it is also at the mercy of the weather.

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  www.ruralhome.org/pressreleasesview.php?id=118 - [Cached Version]
  Published on: 10/1/2002    Last Visited: 1/27/2008  

  "Credit access is a serious problem when it comes to improving housing conditions for low-income people in rural areas," said Moises Loza, the Housing Assistance Council's executive director."Local development organizations need funds, especially loans, from the private sector to develop affordable housing, even when they can use government programs as well.
  
  "The Community Reinvestment Act is an important tool to help private lenders meet those needs," Loza continued.

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  www.ruralhome.org/pressreleasesview.php?id=83 - [Cached Version]
  Published on: 2/3/2003    Last Visited: 1/27/2008  

  "It is very important to support families who are buying their first homes and to increase minority homeownership rates," said Moises Loza, executive director of the Housing Assistance Council, a national rural housing organization."It's good to see the administration suggests a funding increase for the U.S. Department of Agriculture's Section 502 program, which provides mortgages for rural homebuyers with low incomes.
  
  "At the same time, however," Loza continued, "renters in both rural and urban areas have some of the worst housing problems in the country, and HAC recommends that U.S. housing policy should prioritize serving the people who are most in need."The majority of rural renters are employed, but their incomes are low compared to their housing costs.One-third of rural renters are cost-burdened - that is, they spend more than the federal standard of 30 percent of their income for their housing -according to recent research by HAC.The organization also found that rural renters are twice as likely as rural owners to live in physically substandard housing.
  
  "There is a clear need for production of new rural rental units," Loza stated, "but the budget doesn't address this need evenly.It would increase funding to develop apartments for farmworkers, but decrease funding for the program that yields apartments for other low-income rural Americans."Funding for that program, known as Section 515, would drop from $114 million in fiscal year 2002 to only $71 million in 2004, and would be spent only for repair and rehabilitation of existing Section 515 units.
  
  "Another program, Section 538, provides guaranteed loans for developing rural rental housing," Loza noted, "but Section 538 apartments have higher rents and can't help the very lowest income people, such as seniors living on fixed incomes."
  
  The budget would also eliminate two programs that help community organizations convert federal dollars into local homes."The Department of Housing and Urban Development's Rural Housing and Economic Development program and the Department of Agriculture's Rural Community Development Initiative provide unique capacity-building aid to local organizations in rural areas," Loza said."For example, these programs have provided training for staff at local groups serving Native Americans, who suffer some of the worst housing conditions in the country."
  
  Among the new initiatives proposed in the budget, Loza noted, is a $16 million Colonias Gateway Initiative to assist underdeveloped communities along the U.S.-Mexico border.

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  www.rismedia.com/wp/2007-06-11/pulse-on-housing-too-muc - [Cached Version]
  Published on: 6/11/2007    Last Visited: 6/11/2007  

  In fact, if it weren't for some of the population trends - including the influx of immigrants into the country - the slowdown could have been much worse, said Moises Loza, executive director of the Housing Assistance Council.

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  www.ruralhome.org/pressreleasesview.php?id=92 - [Cached Version]
  Published on: 10/17/2001    Last Visited: 1/27/2008  

  "Banks and savings and loans can help make it possible for lower-income families to have decent, affordable homes in rural areas as well as in cities," stated Moises Loza, HAC's executive director.
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  "Small banks are examined less rigorously than large ones under the current CRA regulations," Loza explained, "and most rural banks are small.Including more banks in that category would disadvantage rural areas even further." For the same reason, HAC suggests that CRA examinations for small banks should be tougher and should be performed more often than every four or five years, the current schedule. Lenders of all sizes should be evaluated according to where they make loans rather than where their branches are located, HAC proposes.In addition, Loza said, "CRA evaluations for large banks with large service areas should look separately at how well they serve the different parts of their areas.

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  www.realestatejournal.com/buysell/markettrends/20070613 - [Cached Version]
  Published on: 6/13/2007    Last Visited: 6/14/2007  

  In fact, if it weren't for some of the population trends -- including the influx of immigrants into the country -- the slowdown could have been much worse, said Moises Loza, executive director of the Housing Assistance Council.

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  www.thetitlereport.com/ME2/Audiences/dirmod.asp?sid=8DE - [Cached Version]
  Published on: 6/15/2007    Last Visited: 6/16/2007  

  In fact, if it weren't for some of the population trends â€" including the influx of immigrants into the country â€" the slowdown could have been much worse, said Moises Loza, executive director of the Housing Assistance Council.

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  www.ruralhome.org/pressreleasesview.php?id=101 - [Cached Version]
  Published on: 5/2/2001    Last Visited: 1/27/2008  

  "Far too many working families in rural America can't find decent, affordable homes," stated Moises Loza, HAC's executive director.
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  "The most vulnerable Americans have the worst housing situations," Loza pointed out."A significant increase in government resources is needed to help them, as HAC and other National Housing Conference members have pointed out in a letter to the Administration and Congress.The problem is solvable, but solving it will require immediate action and a multi-year commitment.
  
  "U.S. housing policy should prioritize serving those people who are most in need, including poor rural households," Loza continued.Such a policy would include both homeownership assistance and also a rental housing production program, according to a recent policy paper by HAC.
  
  Furthermore, it would ensure that a fair share of funding goes to rural areas."Historically, rural housing has not always received funding commensurate with rural needs," stated Loza.

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  www.ruralhome.org/pressreleasesview.php?id=111 - [Cached Version]
  Published on: 3/1/2001    Last Visited: 1/27/2008  

  "We hope that when a detailed budget is released in April our concerns will prove unfounded," stated Moises Loza, executive director of the Housing Assistance Council."We hope that the structure built from this blueprint will be big enough to include the Americans who need help the most."
  
  The proposal, entitled A Blueprint for New Beginnings, suggests that the Rural Housing and Economic Development program in the Department of Housing and Urban Development be eliminated, claiming that it duplicates other programs."Shifting RHED's $25 million into another program would be one thing, but the budget seems to propose simply deleting it," Loza noted."I hope that doesn't represent a reduction in the attention paid to rural needs.
  
  "Along the same lines," Loza continued, "I hope the overall $1.6 billion drop in the U.S. Department of Agriculture's budget does not mean that programs serving the lowest income rural residents would be cut."
  
  The budget blueprint also promises a review of the efficiency of USDA's field office structure, which includes thousands of county-level offices, and notes the importance of computers and fax machines."USDA's outreach and its relationships in local communities have been crucial to making its programs successful," Loza pointed out.

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  www.ruralhome.org/pressreleasesview.php?id=114 - [Cached Version]
  Published on: 1/12/2001    Last Visited: 1/27/2008  

  "This workbook is already in high demand from rural nonprofits," said HAC Executive Director Moises Loza, "and we think that this is a particularly timely topic.

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