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an aerial view of an apartment complex with a parking lot and trees  at Union at North Crossing, Waterloo, IA, 50703

Frequently Asked Questions

Union at North Crossing is operated under the Low Income Housing Tax Credit Program (LIHTC) which is an affordable housing program for households with lower incomes. The program was created by Congress in 1986 as part of the Tax Reform Act and is administered by the Internal Revenue Service. This program is not a subsidized housing program.

You will complete an application that asks for information regarding income, household size, and financial assets. These factors determine your eligibility for this program.

Units comprised of full-time students do not qualify as a LIHTC unit unless one of the following exceptions apply continually for the period of time that everyone is a full-time student:

  • All adults are married and entitled to file a joint tax return.
  • An adult member is a single parent with a minor child in the unit, the adult is not-a tax dependent of any third party, and the children are not claimed as a tax dependent by anyone other than one of their parents (even if the other parent is not in the unit)
  • The household includes a member who receives welfare assistance in the form of Temporary Assistance to Needy Families (TANF).
  • The household includes a member who formerly received foster care assistance (that means they were a foster child or adult) - The household contains a member who gets assistance from the Job Training Partnership Act (JTPA) or similar programs (NOTE: The “Workforce Investment Act” has replaced JTPA)

Rent guidelines are set by the Department of Housing and Urban Development (HUD) based on the median county income. Your actual rent is set by each property using these guidelines.

Yes. Every year you must re-certify your income and household size before you sign your renewal lease agreement.

Annually, HUD reviews incomes in every county or metropolitan area across the United States. They then publish the limits based on County Median Incomes. We are required to use the income guidelines.

All of your gross income is included (Employment, Social Security, Pensions, Annuities, etc.)

Interest and dividends from assets are counted as income whether the interest or dividends are taken or reinvested. Examples of assets include: Savings Accounts, Money Market Accounts, Certificates of Deposits, Stocks, Cash Value of Life Insurance Policies and Annuities.

If you qualify for the Section 42 apartment, your application will be further processed using resident screening policies and procedures. Approval is subject to availability of Section 42 apartments.

Resident pays for Electric (all electric), internet, water and sewer.

Owner pays for Trash Removal.


Certain pets are permitted with a signed pet addendum and there is a monthly pet fee. Please contact us for more information.

Parking is available. We also have carports available for rent.

Rent is due on the first of each month.

Yes! Our management team will be available during office hours.

Annually, residents at Union at North Crossing are required to recertify their eligibility for the LIHTC program. This typically occurs during the lease renewal process. We will notify you 120 days before the lease expires to begin the recertification process.

Maintenance concerns may be reported through the resident portal, by email, phone, or in writing to the rental office. Residents will be provided an emergency contact number in case of emergency maintenance situations.

Since we are not a subsidized housing program, income changes do not need to be reported.

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