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admin 13.08.2015

There is great information about the steps that the Bloomberg Administration has taken and expects to take in order to make sure that new housing (especially public ones) are located near public transportation.
In 1999, the NJ Transit Village Program was put into effect with the intention of building housing near public transportation to make things easier and more efficient for the population. The community of South Orange was involved with the program, and was transformed into a hopping downtown center.
If NYC began instituting programs like this, not only would these communities lower carbon emissions of cars (as people would be in such close proximity to public transportation, they would not need to drive as much), they would also provide efficiency and ease when it comes to shopping and doing daily chores, in addition to providing easier and more exciting ways to exercise, by giving people more opportunity to walk, run, and jog while trying to catch some of their favorite sales. Another great thing businesses in NY can put into action is the Location-Efficient Mortgage, an idea started by Fannie Mae and a team of non-profit organizations. In addition to the benefits of living near transportation listed above, a study conducted by the University of North Texas found that the housing in the area right near the Dallas Area Rapid Transit light rail line is actually worth 25 percent more than the values of similar houses in other parts of the city.


Each one of the five instated communities is within a quarter mile radius of public transportation. The new amenities people can enjoy there include an ice cream parlor, coffee shop, dry cleaner, bakery, clothing store, and diner. The “Location-Efficient Mortgage” offers benefits to people living in areas with copious amounts of public transportation.
It serves as a connection between New Jersey's Port Authority Trans-Hudson (PATH) trains and New York City's subways, and is right next to One World Trade Center. Federal funds were also used to jumpstart a major streetscape project to which NJ Transit provided parking, landscaping, and kiosks. The Location-Efficient Mortgage began when it was realized that people who bought houses in transit rich neighborhoods tended to drive less and own fewer cars.


In the community of South Orange, there are now over 200 high-density housing units within walking distance of this center. Mainly due to the fact that this was much healthier for the environment, it was decided that people in those neighborhoods could put the money they saved from not driving towards mortgages on their houses.
People taking out the Location-Efficient Mortgage can apply for mortgages $15, 000- $50,000 higher than others can regularly apply for.
There are lenders in Seattle, Chicago, Los Angeles, and San Francisco, who have already started this loaning program.



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