San Francisco Housing Expo Case Study

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Gentrification is an existential threat in the Bay Area due to urban renewal, spatial capital, and inequity. This threat can best be described as the process of residential or commercial use of an urban area shifting towards higher economic classes (Center, 199). The process of gentrification has caused many native residents to be displaced from their homes, as well as being forced to move further out of the area or become homeless. Neighborhoods that were once oasis’ for the working class are shifting and becoming too expensive for the people who live there. Food and job insecurity are two forms of inequity that contribute to gentrification practices. These three factors are key in the gentrification that is threatening Bay Area residents.

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Shortage of housing supply, especially in the coastal areas, is the critical issue that drives housing affordability crisis in California. California’s major coastal metros (such as Los Angeles, San Francisco and San Diego), where about two-thirds of Californian live, is lacking in sufficient housing to accommodate all the people who want to live there . For example, in 2015, there were 133,000 jobs created in the Bay Area while only 16,000 units of housing added there . In addition, the construction of new housings in California’s coastal metros, from 1980 to 2010, was low from both national and historical standpoints. During the past three decades, the number of housing units in the typical U.S. urban center grew by 54%, compared with 32%

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appointment is appropriate, but the patient also needs to be taught how to control symptoms

San Francisco: The City Upon A Hill "Which of you men, if you had one hundred sheep, and lost one of them, wouldn't leave the ninety-nine in the wilderness, and go after the one that was lost, until he found it?” (Luke 15:4). After twelve years of Catholic School the one parable that continues to stick with me is the Parable of the Lost Sheep. It reassures me that I will be found, even if I stray very far from what is right. Richard Rodriguez author of “Late Victorians”, writes about the lost sheep who flocked to San Francisco in the seventies to find a home, far from the unaccepting suburbs they grew up in.

The number one state in America with the highest rate of homeless people is California with a total population of 113,952 homeless individuals with 71,437 of them being unsheltered (U.S. Department of Housing and Urban Development [HUD], 2014, p. 9). In 2014, San Francisco, CA was in the top-ten major cities with the largest numbers of homeless individuals totaling at 6,408 (HUD, 2014, p.11). The 2015 Homeless San Francisco Point-In-Time Count & Survey was conducted to gain a more comprehensive understanding of the experience of the homeless residents in San Francisco. Information from this study was collected from individuals and families sleeping on the street, emergency shelters, transitional housing, cars, abandoned properties, or in other places not meant for human habitation. A face-to-face representative survey was then taken from 1,027 participating homeless individuals to be used to profile and estimate the condition and characteristics of San Francisco’s homeless population (Applied Survey Research, 2015). Respondents were asked basic demographic questions such as age, gender, sexual orientation, and race/ethnicity.

As prices continue to rises, many lenders had to come up with ways for a purchaser to buy a home. In 2004, many first time home

     The first thing to do when you're going to buy your first home is to go right ahead and be pre qualified for a loan. In order to do this you need to sit down with your lender and learn about the different types of loans. Together you and your lender can come up with the best loan for you. The main three are FHA, VA, and Conventional loans. FHA loans limit you to an $118,750.00 buying power. But, the bank is more lenient on slow credit and you can use 100% gift funds. VA loans are strictly for military veterans. Conventional loans give you a 240,000.00 limit. But, the buyer must have 5% of the sales price. To apply for a loan there is a list of things that you will need. You will need to bring W-2’s for the

Here are some essential items that a first time homebuyer can include in their checklist or plan that will serve as an

On Wednesday, June 14, 2017 Wellness Coach Teresa Cain met with Walter Hayslett to conduct his Service Plan Review.

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Owning a house has become more important than simply having a place to live, or making a sound real estate investment in our society. Buying a house has become an integral part of the American dream. No matter if you are male or female, young or old, rich or poor, what culture or country you are from, everyone has a dream about it; in other words, every one of us wants to own a place that we can live in and create memories in that will last a life time. For a first-time homebuyer, that dream can quickly turn into a nightmare. The whole home buying process can quickly overwhelm the average individual. You’re entering into what could be the biggest purchase of your life with no experience to fall back on. The good news is a little preparation can go a long way and help you approach this decision with confidence. Luckily for you, I have taken the liberty of putting together a guide for the first-time homebuyer. Throughout this guide I will take you step by step through the daunting process of buying a home.