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ordinances, building codes, fees and charges, growth limitations, and policies affecting the <br /> return on residential investment <br /> The St. Joseph County Housing Consortium has identified public policies which may impede fair housing. <br /> The City of South Bend and St. Joseph County should revise planning and zoning policies to expand the <br /> ability for disabled residents to make ADA improvements to homes. Local zoning ordinances need review <br /> and should be brought into compliance with the Fair Housing Act. <br /> The St. Joseph County Housing Consortium has prepared a new Analysis of Impediments to Fair Housing <br /> Choice for 2025.The St. Joseph County Housing Consortium is committed to affirmatively furthering fair <br /> housing. <br /> During its FY 2025 CDBG, HOME, and ESG Program Year the St. Joseph County Housing Consortium, <br /> the City of South Bend, and the City of Mishawaka propose to fund activities/projects that affirmatively <br /> further fair housing. This includes: <br /> • Assistance with rehabilitation costs for lower income homeowners and renters. <br /> • Funds for affordable second mortgages for first-time homebuyers. <br /> • Funds for downpayment assistance for first-time homebuyers. <br /> • Funds for education and outreach for fair housing. <br /> • Funds for neighborhood fair housing organizations. <br /> • Funds for project financing and related costs for affordable housing developments. <br /> • Funds for permanent supportive housing development. <br /> Discussion <br /> A full list of the Impediments to Fair Housing Choice and related strategies to overcome these impediments <br /> is attached in the Appendix section of the Five-Year Consolidated Plan. <br /> OMB Control No:2506-0117(exp.07/31/2025) 199 <br />