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The 1441 Spring Road NW affordable homeownership project : Washington, D.C.
(Southern New Hampshire University, 2006) Cristaldo, Mario; Camayd-Freixas, Yoel
Manna Inc. proposes to develop an affordable homeownership project in the Columbia Heights neighborhood for thirteen residents of Washington, D.C. Participants of the project will buy affordable units in a newly renovated building in 24 months. Working under the auspices of Manna Inc, we will raise financial support through foundations, private financial institutions, and city government agencies to develop a three-story building. Four tenants who are organized in a tenants association occupy this building. Manna Inc has an affordable housing program that will work with members of the 1441 Fernwood Tenants' Association and other members of the homebuyers club as well as any other low or mid-income family who meet the requirements of the project. Manna Mortgage Corporation, a subsidiary of Manna Inc, will prepare these individuals and families to pre-qualify them for their mortgages after they have completed an individual mortgage readiness program. Tenants and other potential homeowners will also meet regularly with various Manna staff to secure support for the project within the community, among elected and city officials and other stakeholders. Tenants will participate in training sessions for capacity building in a pre and post purchase program. We will evaluate the success of this project by determining: A) Number of the initial tenants who completed the individual mortgage readiness program (measured as qualifying for a mortgage). Some of them will be buying with copurchasers. B) Participation of tenants in meetings with Manna Inc and training sessions and with the homebuyers club (HBC). C) Number of tenants buying a unit in the building and becoming homeowners. (Author abstract)
[Arthur G. Pomeroy House]
(Southern New Hampshire University, 1984) Perez, Joseph E.
This report describes the process of redeveloping the historic Pomeroy House in Hartford, Conn. (Library-derived description)
Balanced housing in the Nashua (NH) region
(Southern New Hampshire University, 2004) Shankle Jr., Dean E.; Camayd-Freixas, Yoel
The existence of a balanced supply of housing is vital to the economic and social health of a community. This includes the need for adequate and affordable housing for the local workforce and low- and moderate-income people of all ages. Presently, the lack of such a balanced housing stock in the Nashua region of southern New Hampshire (US) has reached the crisis stage. This situation is the result of nearly a decade of extremely rapidly rising housing costs that have not only made it virtually impossible for low-income households to enter the market but also have impacted many communities to the point where long-term residents are finding it difficult to remain. Another result is that affordable housing for the workforce is nearly nonexistent. There is universal agreement that the land-use ordinances and regulations are a significant factor in preventing the development of such housing. This project developed information that will allow interested individuals and community groups to help lay the groundwork for the development of affordable housing in the Nashua Region of southern New Hampshire (US). This is a community economic development project that consists primarily of policy development. The goals of the project have been to provide motivation and incentive for change, to provide necessary information to community members so they can address the issue locally, to develop an effective collaborative model and to facilitate subsequent activities toward balanced housing initiatives. (Author abstract)
Bates Street senior housing : an affordable senior housing rental project
(Southern New Hampshire University, 2007) Lajoie, Dennis; Hotchkiss, Charles
Community Concepts, Inc. (CCI) is developing 30 units of affordable rental housing for 30 seniors over the age of 62 whose incomes are below 60% of the area median income. The project will be built within census tract 201 at 250 Bates Street in Lewiston, Maine. This census tract has the highest concentration of low income seniors in the state. The project, known as "Bates Street Senior Housing," will be a three-story building containing 35,000 square feet and will include an elevator, a community room, tenant storage and laundry. There will be 26 one-bedroom and 4 two-bedroom units. The community space will include a social area, community kitchen, meeting areas, and computer access. CCI will provide on-site resident service coordination. In order to develop and operate the project as long term affordable housing we have secured Low Income Housing Tax Credits (LIHTC), Federal HOME funds, grant funds from Maine Housing, (the State Housing Finance Agency), a grant from Enterprise Foundation, a grant from NeighborWorks America, a portion of the development fee contributed, and the assessed taxes being returned to the project through an affordable housing tax increment (TIF) finance district. The project will not have any debt service. (Author abstract)
Birch Tree Apartment Complex rehabilitation project
(Southern New Hampshire University, 2012-06-17) McCrorey, Keri; Nemon, Melissa L.
The Birch Tree Project is the rehabilitation of a 56 unit apartment complex that will house low-to moderate-income families and offer supportive services. The services include a Head Start facility, Life Skills classes, Case Management, Asset Building and Credit Repair, the Volunteer Income Tax Assistance program, a Community Garden, and a Summer Feeding site. The City of Farmington has experienced a growth in the number of service industry jobs that often pay minimum wage. Nearly 45% of the Farmington population works in the service industry. This has resulted in families paying a disproportionate amount of their income for housing cost leaving them very limited income to pay for their basic needs. This project is designed to create safe affordable housing opportunities for marginalized families. The families will gain the knowledge needed to increase their financial status, have the skills necessary to find better employment, have increased opportunities to safe and affordable childcare, and increase their knowledge of services that will increase their yearly income. (Author Abstract)
Birch Tree Apartments and wrap-around services
(Southern New Hampshire University, 2012-06-17) Daugherty, Kathryn L.; Nemon, Melissa L.
The Birch Tree Affordable Housing Project is located in the rural Southeast Missouri community of Farmington. The Project involves the complete rehabilitation of a 56-unit apartment complex and a set of complementary wraparound services. The wrap-around services include a Head Start Center located within the complex itself, a community garden, Financial and Job Search Life Skills programs, Assets for Independence and Family Self-Sufficiency programs, a Summer Food feeding site, and a Volunteer Income Tax Assistance program. Given current community dynamics, housing affordability is a difficult matter for many Farmington residents. Specifically, approximately 37% of the households in Farmington spend 58% of their income on housing and are unable to pay for food, utilities, clothing, or save for an emergency. Should this persist unabated, Farmington risks increased poverty, possible home loss, and increased social and economic burden to the community. The Birch Tree Affordable Housing Project will allow families to increase their budgeting skills to plan for the financial resources that are available. It will also increase affordable and quality child care; increase the amount of safe, sanitary, decent, and affordable housing; increase the number of economically disadvantaged people getting education and training required for better paying jobs; and increase the income for economically disadvantaged families. (Author Abstract)
Bridge City/Shrewsbury Community Development Project
(Southern New Hampshire University, 2001) Thomas, Louis H.; Karim, Abubakr M.
As stated in the thesis project "This project is a Single Family Home Development for low to moderate-income homeowners. This project takes place in Jefferson Parish Louisiana. The objectives and goals of this project were based on a need assessment that was performed by the non-profit sponsor three years ago. The project is being sponsored by the Jefferson Housing Foundation (JHF) a 501c(3) non-profit organization. This project is intended to develop single family homes that will be sold to first time homeowners in the Shrewsbury and Bridge City communities. The lots that the homes will be constructed on will be purchased during project implementation phase of this project. The non-profit will work in conjunction with Opal Homes a for profit developer to develop this project. This development project will use $630,000.00 of HOME funding that has been allocated by the local government jurisdiction to the non-profit for the redevelopment of these communities. This funding will be leveraged with private financing to acquire property and construct each home. The developers of this project will work in conjunction with the community churches as well as the neighborhood organization to plan this project for these two communities. Opal Homes is a Limited Liability Corporation that is comprised of the non-profit sponsor and a for profit developer. This entity will sign a development agreement with the sponsor to develop this project." (Library-derived description)
Capitol Area Community Development Corporation : renovation of low-income housing project
(Southern New Hampshire University, 1995) Johnson, Audrey
As stated in the thesis project, "This final report will illustrate the process that Capitol Area Community Development Corporation under went to produce a low income housing renovation project. The purpose of this project was to address the need of affordable decent housing for low-income residents. The other objective was to alleviate the blighted areas and to begin a comprehensive revitalization plan for the neighborhood. The first phase of the revitalization plan was to begin renovating the substandard housing that already exists in the community, and then build new homes on the vacant lots that exists. This project would create other avenues for more productivity to take place in the community. This project has thus far, created a job training program for the neighborhood residents. We are looking at creating a neighborhood Construction Company. This phase of Housing Revitalization will position the community to begin to identify and target new businesses to come into the neighborhood to operate. Capitol Area Community Development Corporation was created to bring about a physical, social and economic change to this disenfranchised neighborhood. Our motto is to : "Build a Better Community With the Unity of the People!"" (Library derived description)
Community land trust and individual development account feasibility in Great Falls, Montana
(Southern New Hampshire University, 2012-06-17) Craig, Laura R.; Nemon, Melissa L.
Twenty-one percent of the population living in Great Falls, Montana, spend approximately 35-50% of their monthly income on housing (rent/mortgage), leaving them struggling to afford minimal necessities (food and utilities) and unable to save for anything else. Rising housing costs associated with the price of land, financing costs (to include down payment), materials, and construction perpetuate and cause an affordability problem for low-income households to purchase permanent housing assets. Great Falls has several organizations that are providing affordable housing options for the community, but these efforts are not enough to keep up with current demand. Alternative affordable housing options must be offered in Great Falls, to include a Community Land Trust (CLT), and an Individual Development Account (IDA) match savings program. The CLT and IDA programs would best address the community’s needs in a collaborative effort with various community entities. A coalition should be formed around the programs to generate support, enthusiasm, and resources to enable sustainable, desired change in the community. Without the CLT and IDA program in the community, an increased number of residents living in an asset poverty situation would occur. An inability to pass assets among generations would happen, thus perpetuating the cycle of poverty and subsidized housing dependence. (Author Abstract)
Creating self-sufficiency for Limited Equity Housing Cooperative owners
(Southern New Hampshire University, 2000) Leaks, Linda
As stated in the thesis project, "The purpose of this report is to document my experiences in preparing a plan that uses a Community Economic Development (CED) strategy for preserving and sustaining Limited Equity Housing Cooperatives (LEHC) as affordable housing for low-income people in the District of Columbia. It covers the following topics: - The Project Description describes how the project was designed - Background provides information about conditions that produced the problem addressed by this project - The Problem Statement gives a succinct definition of the problem and potential consequences - The Goal Statement offers the solution identified by the project - Statement of Objectives spells out the steps taken to accomplish the goal - Output Expectations and Input Expectations lists, planned activities and results - Problems Facing LEHC expresses the current status of LEHC - Lesson Learned provides evaluation of the lessons drawn from assessment of the project - Next Steps identifies future direction - Conclusion summarizes value and benefits of project In developing this project, the CED Program's course work gave me focus, clarification and direction. The majority of my classes applied directly to this project. Even though this report is a product of sixteen months of intense study of Community Economic Development, it represent only a fraction of the vast amount of knowledge and confidence I have gained from my participation in this program. It is my hope that this report will be useful to others who may be confronted with similar issues and concerns. This project was designed as a course of action to help ameliorate the harmful impact of government cut backs of affordable housing subsidies. It outlines a plan for creating an income generating business for subsidy dependent owners of Limited Equity Housing Cooperatives. This plan had two-phases to it: - Phase I - Research and design - Phase II - Funding and Implementation. This report summarizes my efforts in developing the first phase of this project. The core of the plan is captured in the attached business plan and funding inquiry." (Library-derived description)
Employer-assisted housing : a solution to the workforce housing issue in New Hampshire
(Southern New Hampshire University, 2009) Cadorette, Andrew J.; Clamp, Christina
Affordable housing is lacking in New Hampshire. To keep New Hampshire’s economy vibrant and diverse, we must look to new and creative affordable housing solutions to help New Hampshire’s workforce stay strong and its businesses stay competitive. One possible solution is Employer-Assisted Housing (EAH). Employer-Assisted Housing programs can provide direct financial assistance, as well as home buyer and financial fitness education to New Hampshire’s workforce. Employees who have access to EAH programs are able to reduce commute times, have more stable home environments, better attitudes, and are less likely to leave their place of employment. Employers who provide EAH programs have benefited by increased recruitment, reduced turnover, increased company morale and have become leaders in their industry. EAH programs have proven to be a cost effective way to help bridge the gap of housing affordability for low and moderate-income workers. This paper illustrates how a creative and simple Employer-Assisted Housing partnership between the public and private sector can effectively help ease the workforce housing issue within our state. (Author abstract)
Final report [Ginger Ridge Mutual Housing Association]
(Southern New Hampshire University, 1998) McCray, Rae C.; Swack, Michael
Mutual Housing Associations offer an alternative model of managing affordable housing projects. This report describes the activities of the Ginger Ridge Mutual Housing Association in Illinois. (Library-derived description)
Financing the Worcester Committee on Homelessness and Housing, Inc.
(Southern New Hampshire University, 1986) Hasegawa, Kathleen
As stated in the thesis project, "Worcester, Massachusetts, the "Heart of the Commonwealth", has recently been described as the best kept secret in New England. A city of approxiamately 160,000 people, it remains in the shadow of Boston and is little known in its own light. Most of the people in Worcester seem to prefer it that way. Retaining much of a small town atmosphere in a medium sized city has many advantages. Politicians are easily accessible, networks are well known and unemployment is currently close to the lowest in New England. In spite of this, Worcester residents are currently experiencing a major crisis - a housing crisis. In July of 1983 a survey conducted by the Office of Planning and Community Development sparked community concern when it revealed a drastically low 1.5% vacancy rate in housing. Since that time fires, demolitions, condemnation of buildings, and the purchase of buildings by developers from Boston, Providence, Framingham and Worcester for speculation have added to an overall decrease in housing. The latest survey, in July of 1985, showed a vacancy rate of only 1%. Many argue that for low income people the vacancy rate is closer to 0%." (Library-derived description)
Foundation building : the community economic development experience in duplex city and the northwest neighborhood of the city of Homestead
(Southern New Hampshire University, 2010) Wright, Robin; Rivera, Jolan
The project titled, Foundation Building: The Community Economic Development Experience in Duplex City and the Northwest Neighborhood of the City of Homestead, was implemented in 2009-2010. The City of Homestead's Duplex City and Northwest Neighborhood is in the western half of the City, North of Mowry Drive, South of NW 15th Street, East of Redland Road, and West of Krome Avenue. This community is also known as the Weed and Seed target area. Weed and Seed is a community-based, multi-agency approach to law enforcement, crime prevention and neighborhood restoration. This residents within this targeted area are of low-socioeconomic status. The Foundation Building Project was implemented to improve the residents' knowledge of housing-related issues and improve their quality of life by emphasizing and enhancing community economic development efforts. Homestead Weed and Seed's mission is to revitalize the community both economically and socially. The Foundation Project implementation period took one year to complete. Beyond this project period, the pilot project will continue to be a resource provided to residents of the City of Homestead's Duplex City and the Northwest Neighborhood. (Author abstract)
Franklin Area Community Land Trust, Inc
(Southern New Hampshire University, 1987) White, Peter; Clamp, Christina
This report chronicles the establishment of a community land trust to be located in Franklin, New Hampshire (US). The value of a community land trust is that it can provide a vehicle for community involvement in land use decision-making. (Library-derived description)
Frye school senior housing
(Southern New Hampshire University, 1993) Smith, Matthew; Miller, David
This is a feasibility study on the potential to us both low income tax credits and historic preservation tax credits in order to create an affordable housing project in Lewiston (ME). (Library-derived description)
The Garden Street Initiative
(Southern New Hampshire University, 1996) Nijhuis, Klass
As stated in the thesis project, "The Garden Street Initiative was an attempt at partnering with The City of Lawrence, MA Community Development and one or two non-profit agencies (Lawrence Neighborhood Planning and Development Corporation and the Lawrence Minority Business Council) for the redevelopment of a severely neglected section of the 23rd poorest city in the United States. The approach was to first package a viable housing renovation project based on recommendations and opportunities made known to us by the city, and then take it to an established non-profit housing developer for support and incorporation into their immediate development plan. The Initiative was envisioned as a project under the umbrella and as a partner to the non-profit. The Initiative would have brought technical capacity and a package of assets to the non-profit development entity, while at the same time meeting possible program goals of the agency. The project was planned during a period when the Lawrence Neighborhood Planning and Development Corporation was being revitalized through city intervention. Concurrently, the city was carrying out planning for its comprehensive services plan (Consolidated Plan) as mandated by US HUD for entitlement communities. The agendas of principals in both these activities in many ways precluded the acceptance of the Initiative." (Library-derived description)
Habitat for Humanity of Hocking County Ohio : creation of a community based organization
(Southern New Hampshire University, 2004) O'Dell, Peggy
The Islamic Micro Enterprise Collective was initiated to develop a strategy to educate (what is it), motivate (get involved), train (learn how) and deploy (put into action) men, women and youth in the art and sciences of social economic development from an Islamic prospective. I wanted to develop an economic strategy that addressed the social economic issues relevant to the African American Muslim Community specifically, and the General Muslim Community at large. (Author abstract)
Healthy homes initiative project
(Southern New Hampshire University, 2005) Maina, Judith; Clamp, Christina
A healthy and safe community is vital for the overall quality and economic stability of any city. To maintain the health and attractiveness of our communities, we must rebuild, enhance, restore and alleviate sickness in our neighborhoods. A major objective of many neighborhood revitalization programs is to increase home ownership to help stabilize neighborhoods and strengthen communities. It creates important local and individual incentives for maintaining and improving private property and public spaces. Local nonprofit community development corporations spearhead the revitalization of distressed communities. The Lemoyne-Owen College area was faced with the challenge of a deteriorating community. To solve this problem, LeMoyne-Owen College Community Development Corporation (LOCCDC) was re- established in 1989 to institutionalize Lemoyne-Owen College's commitment to its community. Since its establishment, LOCCDC has been recognized as a key mechanism for community development and outreach. This organization has been successful in various areas, including Micro Lending, Business and Economic Development and Housing. LOCCDC started the Housing component in 1999 when it received its first CHDO grant. Since then, it has built 10 new single homes and rehabilitated 5 single homes using its "Build a Block" infill program. LOCCDC started the Healthy Homes Initiative program in 2004 to join the nation in its effort to eliminate the home lead poisoning especially in children under the age of six years by the year 2010 while producing affordable homes for sale to low income single families. LOCCDC aims to complete 20 such projects by the turn of the decade. This paper is a demonstration of how LOCCDC conducted the first piece of the Healthy Homes Initiative Project with an outline of community needs assessment, the problem statement, project design, project implementation and project monitoring and implementation process. (Author abstract)
Homeownership continuum
(Southern New Hampshire University, 2004) DeFranza, Andrew; Aricanli, Tosun
Beverly Massachusetts is a small City with wide income disparity and prohibitive housing costs. The dramatic rise in housing prices over the last 5-10 years has made it impossible for low-income people to purchase homes. The Homeownership Continuum is an attempt at melding new and existing resources to leverage homeownership opportunities for low -income people. The HC provides low-income families with a viable path toward homeownership by addressing each barrier to ownership with pertinent resources. Financial limitations are addressed by the establishment of the Section 8 Mortgage program, the creation of an IDA savings program and the application of existing down payment programs. Limited understanding about credit, basic finance and mortgage processes is dealt with through educational workshops and targeted marketing. The IDA program will offer monthly workshops on these topics. A certified homebuyer class will be offered by the Community Outreach Program in conjunction with a local realtor and local bankers. In addition, information regarding existing first-time buyer programs will be distributed in low-moderate income neighborhoods. Finally, the local affordable housing developers will commit to considering first-time buyer projects as part of their efforts to address the affordable housing shortage. All these fulcrum points are necessary to leverage first time buyer opportunities for low and moderate income families. (Author abstract)

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