The United States Housing Authority

The United States Housing Authority or USHA was founded in the year 1937. Its mission was to lend money to citizens from the lower income group to construct low cost homes. The project initially included around 650,000 people. Ever since then USHA has done considerable work in improving the conditions and standards of living across the country.

With ever-rising incomes and the strategic work undertaken by the United States Housing Authority, the country has seen a sharp decline in the number of people living in slums.

Public Housing Authorities Directors Association

PHADA or the Public Housing Authorities Directors Association was formed in the year 1979 and has more than 1900 professional administrators all across the country whose job is to procure funding for low income housing programs.

The USA Housing Authority has one goal: To provide good housing facilities to all. USHA is doing all it can to make sure it achieves its goal.

Department Of Housing and Urban Development

HUD, an abbreviation for the US Department for Housing and Urban Development has two important goals:

  • To provide homeownership to all residents of America and,
  • To develop Housing Communities.


HUD was created under the Department of Housing and Urban Development act of 1965. It was just a cabinet level agency at that time. HUD today is actively working towards improving the lifestyles and standards of living of all residents in the country, no matter which income-segment they fall in.

Housing Programs under HUD

HUD’s housing programs include:

  • Single family Housing
  • Multi-Family Housing.
  • Housing Communities.


The Council of Large Public Housing Authorities

CLPHA is a national level, non-profit organization that is constantly striving to develop more civic and comfortable housing through public education, research and support.

The Housing Authority in America can be divided into two categories:


The USA Housing Authority has delegated work to both the State level and City level.

Housing Authority of The City of Los Angeles

HACLA or the Housing Authority of The City of Los Angeles, one of the largest in America offers reasonably priced houses in LA for buyers of all segments. The Authority procures the funds from HUD, in order to carry out its activities. Along with HUD, there are a number of other State Level Organisations, City Level Organisations, Community based organisations and non-profit organisations as well as private developers who are into funding HACLA.

The New York City Housing Authority

NYCHA or the New York City Housing Authority also offers inexpensive, safe and respectable housing options for people of middle as well as lower income groups. It is the largest housing Authority in the Northern Region with over 13,000 employees working with it and is single-handedly responsible for constructing more than 178,000 apartments in the city.

Along with the government housing authorities, there are a number of private housing agencies operating in the region. One of them is Housing Works, which is into providing housing facilities to the homeless and people from low-income groups who are living with HIV.

Harris County Housing Authority

The Harris County Authority was created with a mission to provide affordable and comfortable housing communities to lower income groups.

Some of their current housing development programs include:

  • Development of Affordable Housing Communities by making use of low-income tax credit.
  • Managing Single-room occupancy program and low-income occupancy program.


Visit them at

Housing Authority For Americus

The Housing Authority o Americus is dedicated to providing excellent housing facilities to American Families, housing facilities that are safe, good quality and very affordable.

Chicago Housing Authority

Chicago Housing Authority is dedicated to its mission, i.e. to change the face of Chicago Public Housing.

Philadelphia Housing Authority

The Philadelphia Housing Authority is into developing affordable houses for city dwellers with average incomes. It is primarily funded by the Federal Government but also works as a partner with the State and City Housing Authorities as well as a number of private investors.


The Federal Housing Administration, which is a subsidiary of HUD and an agency of Federal Government, is into providing insurance against private loans. It assures lenders against the risk of giving home loans.

The face of the property market in the country has completely changed owing to the development of housing authorities, real estate agents and homebuilding corporations.

An Introduction to USA Home Builders

USA has witnessed the growth of many a homebuilding corporation in the past 50 years. All these corporations, besides striving to provide affordable, energy-efficient homes to both common as well as the upscale homebuyer, are leaving no stone unturned to realize the dreams of their customers.

Growth of Home Building Corporations in America

All these homebuilders are into constructing standard homes, apartments, housing communities and single-family homes keeping in minds the needs and visions of their buyers. The housing market in America is extremely promising today, owing to the steep fall in prices due to the recent global meltdown. New Homebuilders are sprouting all over the place. This can be seen from the simple fact the number of homebuilding corporations in Houston alone has crossed the 1000 mark.

Financial Assistance

Besides homebuilding corporations, a number of financial agencies have come as well, most of which are subsidiaries of homebuilders. These agencies are making the process of procuring home loans as well as the process of buying and selling houses, streamlined and extremely convenient.

Getting a decent home mortgage loan from a decent home mortgage company isn’t difficult at all.


A number of National Level organizations have come up that are actively working to protect the rights of consumers. These are:

National Association of Home Builders

NAHB or the National Association of Home Builders, with its headquarters in Washington, DC represents more than 235,000 in the remodeling industry as well as residential home buildings in USA. Every Year, NAHB recognizes and awards homebuilders for excellent work in their respective areas of expertise. For example, The Pillars Award is awarded to homebuilders for exquisite work in multi-family constructions.

USA today has over 110 million housing units out of which, 76 million are owner occupied while the rest are on rent. The National Housing Association also stays alert on new issues related to long-standing projects.

International Builders’ Show

IBS is a one of a kind association that provides a platform to hundreds of exhibitors from all around the globe to showcase their talents, products and services. Besides this, IBS is also educating homebuilders across America on the latest issues that the industry is facing along with and all current trends in the market.

Homebuilders in America today are constructing well-planned communities all across the nation.

American Homebuilders can be classified into four major categories. These are:

Custom Builders

As the name would’ve already suggested, custom homebuilders are into building homes exactly according to the needs and wants of the customer. These homes are constructed strictly according to individual tastes and as a result are generally expensive.

Semi-Custom Builders

Semi-Customs builder’s work according to a set plan of action while incorporating specific changes and details according to the needs of the individuals who will be staying in them. Needless to say, the homes are constructed with a specific, shape and size in mind, however, its interiors may be changed accordingly.

Production Builders

Production building is carried out buy a number of major as well as regular homebuilders in America. The term is used to indicate high levels of construction where a number of homes are built in a given area with little or no room for the individuals’ say.

Small Volume Builders

Homebuilders that construct less than 25 homes in a year are known as small volume builders.


Here’s a list:

  • Pulte Homes Inc.
  • Dale Alcock
  • Beazer Homes USA Inc.
  • Centex Homes (Currently Stands merged with Pulte Homes Inc.)
  • D.R. Horton Homebuilders Inc.
  • KB Homes
  • Lennar Corporation
  • K. Hovnanian Homes
  • Ryland Group Inc.
  • MDC holdings Inc.
  • NVR Inc.
  • Ryan Homes

Home Plans – Customised To Your Needs

As the name suggests, Custom Home Plans means plans that are going to be designed by your architect keeping in mind your visions and needs. But still, most of such plans are based on some universal ground rules, some universal plans which your architect is going to explain to you beforehand.

Still unable to understand! Its simple! You’ll need to tell your Architect what kind of house you want. For example if you want a ‘sea-side cottage’ kind of design, he will base all his construction work on this particular design and will try to create a unique looking house according to your specifications.

Here is a list of all such plans:

  • Cottage House Plan
  • Southern Home Plans
  • Cape Cod House Plans
  • Transitional House Plans
  • Craftsman House Plans
  • Luxury House Plans
  • Country House Plans
  • European Home Plans
  • Traditional House Plans

All these kind of houses carry a specific structure, structures that can be further improved and designed according to the needs and visions of the customer. Architects today are doing everything they can to keep their clients happy. If you are interested in constructing a duplex, they will offer you with different plans for each floor.

Custom Home Plans – Resources

Needless to say, your architect is going to be your biggest resource in this area. Different Architects specialize in making houses based on different plans. If you are skeptical about hiring an Architect right away, we suggest that you refer to some architectural magazines. A number of such magazines are being circulated all over the country which will provide you with visual information on a number of house plans and the kind of interiors that will suit them the best.

Accessorising Your Home

Your home should speak of you and the people who live in it. A home built from the scratch will provide you with the option of selecting accessories of your own choice.

Home Furnishings

Do you know about CHFA? The Custom Home Furnishings Academy based in North Carolina is into imparting education and training in the area of home furnishing. For your furnishing problems, we suggest that you refer to an expert who has received education from this institute.

Here are some of the companies you can refer to so as to get your home furnished:

Custom Home Online

Custom Home Online has a number of online magazines to it credit. These magazines are dedicated to providing its readers with visual information on custom home designs, interior decoration as well as furnishings.

Here’s Everything About Building Contractors in USA

Ample professional knowledge and a contractor licence are the two pre-requisites for becoming a good building contractor. In the USA, Its necessary for you to get your construction work done from a licensed building contractor otherwise you’ll be asked to get it redone from a licensed one.

Building a house is easy only if the right kind of materials is given into the hands of the right kind of people, people such as painters, carpenters, masons, electricians and plumbers. All of them come together to breath life into your house.

So, what all goes into hiring the right building contractor in the States? Lets take a look:

    • First and foremost, as we’ve already mentioned, make sure that the contractor you’ve chosen has been licensed appropriately.
    • Get his address and visit his office to make sure he is legitimate. We would personally recommend that you avoid doing business with a contractor who does not have a PO Box Number.
    • Ask for some references of clients he has worked with. Refer to them and feel free to pay them a visit in order to assess the calibre of your contractor.
    • Building contractors specialise in a lot of areas such as commercial constructions, industrial constructions as well as residential constructions. The key is to pick the right man for the job.
    • A Building contractor needs to have a clear thought process so as to incorporate your visions into your house.
    • He will need to undertake all construction work according to the norms and guidelines of the housing authority in your area and should procure all necessary permits and paperwork before starting construction.

Architects in USA

America has no dearth of architectural talent. A number of them are dedicated to designing and restructuring residences. The architectural prowess of the country can be seen from the country’s’ historical structures such as:

  • The Austin Hall
  • The Allegheny County Court House
  • The Biltmore House
  • The Isaac Bell House
  • The Yale Hockey Rink

America is a melting pot. People from all over the country come here to start new lives. These people have different tastes and likings. These preferences get projected in the way they get their houses constructed and in the way they decorate their interiors. This is where some architectural expertise is needed.

In the American History of architecture, the current era is called the Postmodern Era or the Neoelectric Era. The American population today has moved away from the conventional and prefers homes that carry a message and a meaning, homes that are  based on real-life themes.


These are limitless! However we’ve brought you a list of some of the most common ones:

Cape Cod Type

The homes constructed under this plan are generally low and broad. They consist of a large central chimney starting from the living room. These kinds of structures are very common in North-Eastern America.

American Colonial Architecture

Colonial Architecture is popularly know as Colonial Gregorian Architecture and was popular in the country during the early medieval periods. The houses made under this architectural style are symmetrical, mostly square in shape. You’ll generally see a central door with symmetrical windows in straight lines.


You will be able to spot Bungalows in the State of California. These are quite common with middle-class income groups and have an area of around 1200 square feet or more.

Traditional Homes

These houses are Contemporary structures but come with modern interiors.


House designing and architecture has come of age in America. Today you can find a number of house-designing software in the market, software that can help you design your own home.

These software’s will help you design a virtual home and will help you in assessing its interiors and exteriors even before you’ve started the construction process. Besides Architects, you can get consultation from a number of interior designers who will be able to guide you with designing the interiors of your house.

A number of Residential Architectural Associations and Firms have gone to the extent of publishing their own magazines. These magazines contain great ideas on designs for you to refer to.

Architectural Schools

NAAB or the National Architectural Accrediting Board Inc. has a number of Architectural Schools and Colleges affiliated to it. These schools are into providing comprehensive and practical education on the fields of both residential as well as commercial architecture. The Colleges and Institutes affiliated to NAAB are offering Bachelor’s Degrees, Master’s Degrees as well as Candidacy Programs to students from all over the planet.

The National Architectural Accrediting Board Inc. is the only university in USA that is providing professional programs in Architecture. Besides this, ASCA or the Association of Collegiate Schools of Architecture was established in the yea 1912 with an aim to improve the quality of Education in Architecture in USA.

The American Institute of Architects has about 80,000 licensed architects to its credit.


A number of exhibitions and trade shows keep happening all the time, all across the country. These exhibitions and trade shows not only provide a platform for architects and designers to show case their talents and expertise in the field of architecture but also provide customers with an open market to choose the kind of things they would want in their houses and an opportunity to meet the best talent in the country at one place.

Some popular Architectural Shows in the country are:

Baltimore Home Building And Remodeling Show

The show organized by the L&L Exhibition Management, focuses on providing customers with an outlook on the things they’ll need to build and remodel their homes.

Colorado Springs Home and Landscapes Show

This beautiful show, held in the month of February includes participants from the field of Architecture, Renovation, Gardening as well as Building and Construction.

Columbus Home Improvement Show

This show is also organized in February and is dedicated to exhibiting products and designs specifically for the purpose of home improvement.

America is a rich economy, the richest in the world. Besides comfort and convenience, people in the country pay a lot of attention to looks. This is what has led to a boom in the Interior Designing and the Architectural Industry.

Building a Home in the US

Planning to build a house in the United States of America? Besides the usual grind of locating the land and building your dream structure on it, you’ll need to adhere to certain housing and construction guidelines.

Here’s how you can go about building your dream home in America:


This phase of building your house can be divided into two categories:

Initial Preparation

This phase will involve purchasing of land and getting it registered. Before you make a land Deal, you’ll need to keep the following things in mind.

  • The House plot should not be disputed, i.e. in any kind of acquisition proceedings.
  • Refer to the planning authority and make sure that the land is clear for residential constructions.
  • Get a certificate from the registrars’ office saying that the land is free of any encumbrance.
  • Verify the rates thoroughly. Refer to market guidelines and feel free to contact some property consultants if you have to.

Important Considerations

  • Make sure you have a plot of the right size as the housing construction norms wont allow you to construct on the whole plot.
  • It should be conveniently located, not too far away from the nearest Bus Station, Railway Station, Airport, Hospital and of course, your work place.
  • It should be located in an area that receives continuous water supply.

Purchasing and Land Registration process generally takes a whole month.

Consulting the Experts

Experts like engineers and Architects will not only help you in planning and designing your home to the last detail but will also be able to help you do it in a cost effective manner. Before you give out your construction contract to someone, take in to consideration, the following factors:

Before awarding House Construction Contract to someone, make sure:

  • Of the kind of materials they use, and if their quality is according to industry standards.
  • Of the quality of work they are going to provide. Refer to some of their past projects.
  • If they require any kind of Advance payment.
  • Of their time schedule and how they are going to progress.

Besides all this, you need to know the total cost of construction beforehand and the construction company needs to abide by it. For this purpose ask them for,

An approximate cost of construction per square feet.

The ratio of cost of materials, labour and other expenditures.

A break up of all the expenditure that will be involved in undertaking specific work. Approximate figures will do.

A break up of expenditure (stage-wise) to enable you to plan things accordingly.

Make sure of the kind of EMI’s you’ll need to pay in case you plan to take a housing loan.

Home Sellers Information

Planning to sell your home? In the following paragraphs, we will bring you valuable seller’s information, valuable tips on setting a price for your house and tips on how to not make the most common mistakes.

Setting a Price for Your House

Setting the correct asking price is important. In order to do this, you’ll need to achieve a balance between attracting buyers and getting top dollars for your home. Working with a realtor is a good option.

Let us make it clearer with explaining a few real estate terms related to this:

Competitive Market Analysis 

This is an analysis that will be conducted by the buyer’s agent to give him a fare market price of your house. The value of your home is liable to fluctuation depending on the housing market.

Hot Seller’s market

Hot Seller’s market is a term used to define premium areas, areas where the demand of houses is much more than other conventional areas. If your house is in the hot seller’s market, you will definitely have an advantage.

No matter what the case and scenario, you’ll need to set the selling price at least 5% above the given market price.

This set of seller’s information will be incomplete without the following. These are the 7 most common mistakes that sellers make.

    • Putting your home up for sale before its ready: Many a times, people put their homes up for sale before they’ve made the necessary improvements to it. This will only fetch them with lower prices than what they actually deserve.
    • On the contrary, a number of sellers make extra improvements to the home, spend a lot of money doing it and make the house stand apart so much that it looks like an anomaly.
    • Sellers often make the mistake of pricing their house unrealistically or on their own whims and fancies. As a seller you need to know that the price of the house is controlled by the market and not by you.
    • Hiring a realtor who asks for the lowest commission rate may not be a wise decision. You need to give out your priced possession in the hands of a person can do justice to it. Experience speaks for itself!
    • Do not get emotionally attached with your property. Once you’ve put it up for sale, you need to know that it’s just a commodity and nothing else.
    • Not disclosing all the problems you’ve faced living in the house doesn’t mean that you won’t stand to get sued if the buyer finds out undisclosed problems with your house.
    • Not having all your papers in order means that you don’t have a house you are trying to sell. Having your paperwork in order beforehand matters.

The American Real Estate Schools

The American Real Estate Schools are best in class and provide superior real estate education on real estate market, laws and all other related stuff. It isn’t difficult to become an agent provide you stick to the basics and take your craft seriously.

The classes and courses are different for different states. Pre-licence as well as post-licence courses are offered by many schools in the country. Along with basic real estate education, continuing education and license renewals are also provided by these schools.

Real Estate Licensing

The Licensing board for each state is different! They all have different real estate rules and regulations and all of them are needed to be followed meticulously. The scope of online education in the real estate sector in America is wide. There are a number of schools that are into providing online courses to people willing to become real estate agents. These online schools also provide renewals, training and facilities for continuing education.

After licensing, these real estate agents can become appraisers, property agents and brokers. Real estate brokers are supposed to handle a number of real estate agents. They can either have a team of freelancers or can have a real estate brokerage firm which employs full time real estate agents for a salary and commission.

The Real Estate sector is dynamic and new rules, regulations and practices are added and employed all the time. In order to keep agents updated on such new additions, they need to go for licence renewals which require them to take updation courses.

It’s good to get education from accredited schools in order to get more clients.

Information on Schools

There is a lot you can do for a start if you are interested in becoming a real estate agent. A number of real estate magazines, journals and news papers are circulated all over the country. We recommend that you go through them get information on real estate schools, colleges, courses and licensing procedures.  Until then, we’ve brought you information on a few good schools, both online as well as offline:

USA Real Estate License (Online)

This site offers courses in many different states in the country. These include pre-term courses, licensing education, renewal courses as well as exam preparation courses.

Visit them at

Online Education (Online)

The site provides courses as well as study material for exam preparation. The school is functional in all the states of America.

Visit them at

Schools of Real Estate 

This is your one-stop online resource for different real estate schools in the country.

Visit them at

Cooke Real Estate School (Both Offline and Online)

This particular school is based in Florida and is into providing both online as well as classroom courses in the state. Apart from regular real estate courses, the school offers courses in:

  • Real Estate Exam Preparation Courses
  • Home Inspection Courses
  • Appraisal Licensing Courses

Information on Real Estate Licensing in the Country

People interested in becoming real estate agents, brokers as well as realtors are eligible for the Real Estate Licence. The Real Estate Practices can only be started once the licensing procedure is complete otherwise all such procedures may be deemed illegal.

Licensing Laws

Licensing Laws as well as requirements in different states of the country are different. This means that for every state, education procedures, courses, course materials as well as course-end examinations will also be different. This further means that the fees and the fee structures are also different for different states.


Reciprocity will enable a real estate agent or a broker from one state to work in different states (especially neighbouring states as well). While some of the states in the country have reciprocal agreements with almost all other states in the country, others have agreements with only the neighbouring states.

With the advent of Online Real Estate Education in the country reciprocity has become really common.

The National Association of Realtors

A number of real estate salespeople are members of this association. The association was formed to safeguard the rights and interests of the consumers in the country.

State Boards

Each State has its own real estate board. These state boards are responsible for real estate licensing of agents and brokers in their states.

Each State board has a website which can be referred to in order to get information on brokers and realtors in the state, the ones who are active and the ones who aren’t. Besides this, people can also download forms to transfer their status from inactive to active or vice-versa as well as transferring the license to another broker.

The Scope of Real Estate Investment in America

What is real Estate Investment? A property that is used solely for the purpose of making profit and not for personal use is deemed as a real estate investment. The Scope of Investment in Real Estate is great. Let’s take a look:

An Overview

The real estate sector is booming. The Investment Companies are having a great time investing in the country’s residential sector. Looking at the falling prices of houses, the country is witnessing a surge in Foreign Direct Investment Sector as well. Well known cities in the country are being targeted by foreign investors from Europe as well as Asia. People all around the world are buying property in the country, especially waterfront properties in bayside cities such as Florida.

Property Investment

Property investments can be done in two possible ways, i.e. privately or through government grants. Investors include property agents, real estate developers, realtors as well as landlords.

Real Estate Investment Trusts

Here is some info on a few popular ones:


The Real Estate Investment Trust (REIT) has a number of commercial real estate properties to its credit and is growing rapidly. People can easily purchase REITs mutual funds and shares. All the Capital Generated from such funds is then used for further developing the real estate sector.


DRIPs or Dividend Reinvestment Plans is associated with REIT


NAREIT or National Association of Real Estate Trusts is a trade association in the country as well as a representative of REIT.

Real Estate Investment Clubs

The Real Estate investment clubs in the country are a great source of information on both professional and amateur real estate investors. Information on all such clubs is available online with a number of real estate investment websites.

Besides national real estate clubs, information on international real estate clubs is also available online.

Real Estate Investment (REI) Software and Tools

A number of software tools are available that can help investors invest in the right kind of property. One of them is REIA, i.e. Real Estate Investment Analysis (Basic). This tool has the following Features:

  • It can perform an extensive analysis of all real estate investments
  • The Analysis includes income analysis, expenses analysis, depreciation analysis, resale analysis as well as analysis of loans.
  • It is capable of storing upto 14 complete analysis.


Besides this, real estate calculators are also available in the market. One of the most common one is The Financial Calculator.

Real Estate Investment Courses

Numerous courses of study in the Real Estate Investment Sector are available online complete with online study material and resources. Besides these, you can always refer to books and guides available in the market.

Here’s an introduction some popular REI schools:

CCIM Institute

The institute is dedicated to imparting education and training in real estate.

Real Estate Investment Institute

The institute has over a decade of experience in imparting education in the field of Real Estate Investment.

Investment Advisory

Getting into Real Estate Investment without proper knowledge can prove to be disastrous. In order to avert this, consultation on REI is available all over. NARREIA or the National Association of Residential Real Estate Investment Advisors is a body consisting of professional realtor as well as investors that provide consultation on REI procedures and important issues. NARREIA, through its website has created a network with other Real Estate portals to provide the layman with ample information on REI as well as a list of professional advisors in the field.

Investment Analysis

Familiarity with real estate investment laws, state specific REI laws, Federal Income Tax Laws, Real Estate Appraisal, Real Estate Valuation and Real Estate Finance as well as property management is necessary before making investments.

There are a number of ways in which you can make safe and profitable decisions like:

  • Consulting Real Estate Attorneys.
  • Consulting Real Estate Magazines and News.
  • Attending Seminars on Property Investments.
  • Referring to forums and blogs of REI investors.