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NATIVE PARTNERSHIP FOR HOUSING, INC.
August 12, 2016
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Who is Navajo Partnership for Housing?
• A 501(c) 3 non-profit founded in 1996 through joint efforts of Neighbor Works America and the Navajo Nation Govt.
• NPH is a CDFI (Certified Native Community Development Financial Institution) created to provide innovative and flexible homeownership financing opportunities through first, second mortgages and Downpayment/Closing Cost grants • NPH is one of 240 Neighborworks Organizations through the NWA Network
• NPH was created to empower families with new knowledge and life skills to build, buy and/or renovate a home
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Navajo Partnership for Housing Location Cedar Hills Plaza Gallup, NM
• 1664 South Second St. Gallup, NM 87301
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What Do We Do?
• Homebuyer Education • Loan Services • Housing Services • Subdivision Development
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Intake Form • Intake Profile Form • $25.40 check or money order for
unmarried.$31.01 for married for credit report.
• 2 most recent paystubs within the last month
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Individual Counseling Sessions
• Budgeting • Credit Report Review • Credit Repair • Affordability Assessment
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Pre-purchase Education Classes
• Homebuyer Education - 8 hour session (required) - Prepare family for Homeownership - Go through process of buying a home
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Karigan Subdivison St. Michaels, AZ
• 25 New construction Homes • 3 – 5 Bedroom Homes for sale
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KARIGAN ESTATE ST. Michaels, AZ
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Karigan Subdivison St. Michaels, AZ
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LOAN SERVICES
Belinda Hadley, Loan Manager Email: [email protected]
Barbara Jo Fidel, Loan Processor Email: [email protected]
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NPH LOAN DEPARTMENT • LOAN COUNSELING • Affordability
– Loan Product Selection – Lender Selection
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Loan Services
• LOAN Application & PACKAGING ($500.00 fee) – 1st Mortgage Lender – 2nd Mortgage or Grant – 3rd Mortgage or Grant (if necessary) – Coordination with Construction Services (if applicable)
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NPH Lender Partners
• US Bank, Gallup, NM • Homewise – ABQ, NM • NN Credit Services, Window Rock, AZ • USDA – Aztec, NM, St. Michaels, AZ & Flagstaff, AZ • 1st Tribal Lending, Phoenix, AZ • Bank2 of Oklahoma, Oklahoma City, OK
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NPH LOAN Products NPH RLF & CDFI
– DP/CC – 2nd Mortgages for DP/CC – Construction Contingency – Interim Construction
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Housing Services • Advisement and Counseling • Initial Site Inspection for HSL ($75.00 fee) • Support & Promote other Housing Programs • Develop and support partnerships • Land Acquisition and Development • Property Management
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How can NPH benefit you?
• Homebuyer Preparedness • Navajo Nation Mortgage Process • Expedite the Construction Process
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Individual Counseling Session 2470 Financial Fitness Graduates 157 Homebuyer Education Graduates 2635 IDA Account Holders 22 Total Loans/Grants provided 377 Families served 299 Total Financing Arranged Provided $30.4 mill
Results
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Partners NATIONAL
• NWA-Neighborworks America • AFIA-Assets for Independence Act • RHED – Rural Housing and Economic
Development • NAHASDA – Native American Housing and
Self Determination Act • IRS • Annie E. Casey • FNDI – First Nations Development Institute • Oweesta • US Treasury Department • CDFI Fund • Bank of America • Fannie Mae • Housing Assistant Council - HAC • Housing & Urban Development - HUD • Other NWO’s
LOCAL • Navajo Housing Authority • Indigenous Community Enterprise • AZ Native Asset Coalition • New Mexico Assets Consortium • Coconino Community College • Tax Help NM • NM Asset Coalition • NM Homeownership Coalition • Lenders
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Questions?
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Contact Info
Navajo Partnership for Housing Gallup: 505-722-0551
www.navajopartnershipforhousing.org