ira gribin 1 year report

7/31/2019 Ira Gribin 1 Year Report

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Tackling

Workforce HousingState By StateSTATUS AN D PROGRESS REPORT | Year One


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Tackling

Workforce HousingState By State

STATUS AND PROGRESS REPORT |Y O

APRI L 2010 Cpyrigh 2010 Nainal Aciain ReALtoRs


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Cnn

IntrOductIOn 4

the Ira GrIbIn WOrkfOrce hOusInG Grants PrOGra M 6

Grants

Calirnia 10

Dlawar 12

Flrida 14

Hawai`i 16

Idah 18Illini 20

Kana 22

Main 24

Maryland 26

Miiippi 28

Mnana 30

Nvada 32

Nw Jry 34Nrh Carlina 36

orgn 38

Pnnylvania 40

tnn 42

Wahingn 44

Wicnin 46

Whn i cm dvlpmn huing,

ranprain, nrgy cincy h hing

arn muually xcluiv; hy g hand in hand.

And ha man making ur ha ardabl

huing xi in cl prximiy jb and

ranprain. tha man ncuraging hrr

ravl im and lwr ravl c. I man ar,

grnr, mr livabl cmmunii.

PResIDeNt BARACK oBAMA

July 13, 2009


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4 the Ira GrIbIn WOrkfOrce hOusInG GrantszStatus and Progress ReportzYEAR ONE

INTRODUCTION Ira Gribin Wrkrc Huing Gran: Tackling

tHe AVAILABILItY oF WoRKFoRCe HoUsING,

lng a criical iu in hi cunry, ha bcm incraingly impran

in rcn yar. In many cmmunii, h ppl ha prvid vial

rvic achr, rghr, plic cr, and rauran

wrkr n cann hmlv a rd liv hr. Dpi h

dwnurn in h cnmy, many ara h cunry hav n hir

c living rmain virually unchangd. Cmbind wih a rricd

crdi mark and a nar and-ill in h building nw, lw-incm

huing, h arning a r blw h mdian incm hir

cmmunii hav und i paricularly dicul nd huing. shrag

ardabl huing cl whr ridn wrk can lad lngr

cmmu, prawl, and rac cngin. th hing n nly hur h

nvirnmn, bu hy al ranla incrad cmmuing c and

a rducd qualiy li r h unabl liv whr hy wrk.

Incraingly, cmmunii acr h cunry hav rcgnizd h

impranc ardabl huing hir cnmic and cial wll-

bing. Craing huing r h wrkrc play a majr rl in

addring h vrall hrag ardabl huing.

t hlp m hi nd r wrkrc huing, in 2009, h Nainal

Aciain ReALtoRs launchd h Ira Gribin Wrkrc Huing

Gran prgram, a w-yar prgram, prvid gran a and

rriry ReALtoR aciain hlp addr h wrkrc huing

nd in hir cmmunii. th prgram, which run rm 2009 2010,

allca $5.2 millin r h wrkrc huing gran.

thi rpr prvid h au and prgr h prgram during

i r yar, 2009. In 2009, NAR awardd gran 19 a aling

$2,068,030, r rughly 40% h al amun availabl. All y-

ur (54) a and rriry ReALtoR aciain r hir huing

undain ar ligibl apply r h gran. NAR rngly ncurag

aciain/undain wh hav n y applid ak advanag

hi uniqu cmmuniy-building ppruniy.

Prl h 19 prgram undd in 2009 llw. A yu rad hprgram prl, yu will h variy challng acd by a

aciain/undain and h rmarkabl luin hy hav

dvlpd. And whil h wrkrc huing iuain vari rm

a a, h ingnuiy h apprach huld b an inpirain

and a rurc all wh ar lking addr wrkrc huing in

hir cmmuniy.


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natIOnaL assOcIatIOn Of reaLtOrs www.realtor.org/iragribingrant 5

A ky apc h prgram i h fxibiliy i ard gran dn

and puru hir r xpand wrkrc huing. thi wid laiud

nur ha lcal nd ar addrd and allw h a aciain

and undain wrk hir rngh r dvlp xpri whr

hy ar n a rng a hy wuld lik b. Fr inanc,

Each state can dene workforce in its own way, based on local

nd and cndiin. Wrkrc migh man achr, municipal

wrkr, r rpndr, mdical prnnl, r mr gnrally,

wrkr in a crain incm rang.

Each state can formulate what it believes will be the most effectiveprgram, mphaizing ducain, nancial aianc, public

awarn, advcacy, r vn wbi dvlpmn.

States determine their target audiences. Some have chosen

cncnra n prviding l and ducain mmbr

ReALtoRs, hr hav cud n cnumr, whil ill

hr puru a mixd apprach.

States are free to create an entirely new program or to expand

iniiaiv alrady in plac: Main crad Live Where You Work;Maryland buil upn Maryland Home Makeover.

Anhr nial cmpnn h prgram i h rquirmn ha

applican wrk in parnrhip wih public, priva, r nnpr nii

n hir prgram, which prvid hm wih h abiliy br lvrag

rurc, xpand urach and cmmunicain, and dvlp

rlainhip ha can hlp uain hir prgram and imula nw

buin in h uur. A a rul hi, many gran hav rachd

u nn-radiinal parnr (.g., h Inrnal Rvnu srvic,

a a Dparmn tranprain) nhanc h civn

hir prgram.

th baic n wrkrc huing, ha h wh wrk in a

cmmuniy huld b abl ard liv in ha am cmmuniy,

cincid wih any numbr widly-hard cial gal. Rducing

cmmu a prur n h nvirnmn by aving ul and

rducing miin. I rinrc civic prid and cmmuniy rpnibiliy

by prming a n aliain. And i cra nw mark and

imula h grwh lcal hing ck.

th Ira Gribin Wrkrc Huing Gran prgram i hlping rnghn

cmmunii and blr lcal cnmi, bu i i al giving mr

huing pprunii h wh had w pin br.

W invi yu rad abu i hr, and mr impr anly, w invi yur

ull and aciv paricipain.

th NAR Huing oppruniy tam

Workforce Housing State by State


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IN JANUARY 2009, tHe NAtIoNAL AssoCIAtIoN oF ReALtoRs

launchd h Ira Gribin Wrkrc Huing Gran prgram hlp

imula ReALtoRs r addr h grwing nd r ardabl

wrkrc huing in hir cmmunii. th prgram diribu unding

dircly a ReALtoR aciain and huing undain

prm wrkrc huing iniiaiv wihin hir a.

Wrkrc huing rr a, dcn huing r wrking, lw- and

mdra-incm ppl wh cann ard liv in h cmmunii in

which hy wrk. Wrkrc huing iniiaiv n cu n ccupain

ha prvid h bulk vial rvic r cmmunii achr,

rghr, plic cr, nur, halh car wrkr bu h gran

ar al man ai a bradr rang wrking ppl, including

rail al wrkr, rauran wrkr, chnician, c wrkr, c.

th Ira Gribin Wrkrc Huing Gran Prgram


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th Prgram prvid gran n a liding cal bad n a aciain

mmbrhip iz. th mall a aciain ar ligibl r gran

$50,000, whil r largr aciain, gran can g wll vr $200,000.

th prgram ha bn allcad $5.2 millin in gran unding.

th prgram i namd r Ira Gribin, rmr NAR

Pridn, wh wa a irl advca r air and

ardabl huing r divr ppulain. thi gran

iniiaiv hnr hi mmry and prm ReALtoRs

cmmimn incra huing pprunii by

aiing wrking amili rach h r rung n

h hmwnrhip laddr.

th gran guidlin ncurag prgram ha acivly ngag

ReALtoRs, lvrag parnrhip wih ky akhldr, and lvrag

rurc cra a uainabl prgram.

Daild rquirmn and guidanc n prparing and ubmiing

gran rqu ar availabl a h prgram wbi:

www.ralr.rg/iragribingran. Lid hr ar m ky

ac dcribing h prgram:

successfuL PrOPOsaLs

succul prpal will incrpra all h llwing:

A focus on workforce housing, as dened by the association/

undain, which may includ huhld in crain incm

lvl, mply in public rvic r hr argd jb

ara, r a prgram dignd addr a uniquly dnd

wrkrc huing nd.

An active role for the applicant association/foundation.

At least one signicant partner organization

(.g., lcal gvrnmn, mplyr, nn-pr).

An ongoing and sustainable activity, not a one-time event.

A detailed implementation plan.

A mechanism for measuring and reporting outcomes

and ucc.

WhO M aY a PPLY

State and territory REALTOR huing undain

State or territory REALTOR aciain ha d n hav

a huing undain


10/52


sIZe Of Grants

sa ar ligibl r unding in h llwing amun:

States with 5,000 or fewer members will be eligible for $50,000.

States with more than 5,000 members will be eligible for $50,000

plu an addiinal $2 pr mmbr r ach mmbr vr 5,000.

A funding allocation chart posted on the grant program website shows

h amun unding ha an a aciain/undain i ligibl

r bad n hir mmbrhip iz.

tIMInG

thi prgram will run r w yar, 2009 2010.

In rdr b rviwd and prcd br h prgram un

in 2010, prpal nd b ubmid NAR n lar han

ocbr 31, 2010.

hOW tO aPPLY

Applican huld vii www.ralr.rg/iragribingran r prgram

dail, applicain rm, applicain guidlin, ampl applicain,

and hr uppring marial.

hOW Grants are aWarded

A rviw cmmi mad up h chair and vic chair h Huing

oppruniy Cmmi, h chair and vic chair h Huing

oppruniy Adviry Bard, and a a aciain xcuiv rviw

h applicain and mak award dciin.

Applicain ar rviwd and gran dciin ar mad n a rlling bai.


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YeAR oNe GRANts


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PrOGraM suMMarY

Purchaing yur r hmcan b a dauning

xprinc pcially i yu ar cncrnd wih h currn cnmic

clima and whhr yu migh b acd by h lay in h hadlin.

In ligh hi iuain, h Calirnia Aciain ReALtoRs

Huing Ardabiliy Fund (CARHAF) crad a nw, innvaiv

prgram, calld h Mrgag Prcin Plan (MPP). Undr h MPP,

qualiying buyr can rciv up $1,500 a mnh r up ixmnh in h vn jb l, and a qualid c-buyr can al

rciv a $750 bn r up ix mnh hlp pay h mrgag.

th ulima gal h prgram i prvid pac mind r-

im hmbuyr wh ar hian nr h huing mark du

cncrn abu pnial jb l, and ubqunly bing unabl

m hir mnhly mrgag bligain. th prgram ha dn ju

ha wih gra ucc. Calirnia ReALtoRs hav bn abl aily

prm h prgram hir clin bcau i ha raigh-rwardqualiying criria wih n incm r purcha pric cap.

Fir-im hm buyr Michal sandval wa in h prc

purchaing a hm in Gilry, Cali. whn h hard abu C.A.R.

Mrgag Prcin Prgram rm hi ReALtoR, Valri Kmp

Alain Pinl ReALtoRs in Mrgan Hill, Cali.

We were already looking at homes when we heard about this

program, said Sandoval. Knowing that we have an additional security

blank huld anyhing happn wih ur jb wa a rli and h

ac ha i rd r r i lik icing n h cak. I ha hlpd u

achiv h dram hmwnrhip and g ur in h dr.

sinc launching in April 2009 and rciving addiinal und rm

h Ira Gribin Gran und h prgram bynd h iniial $1 millin

allcad by CARHAF, MPP ha iud plici vr 3,000 nw

hmbuyr.

Givn h dmand and h dir hlp mr amili, C.A.R.

Huing Ardabiliy Fund Cmmi ha allcad an addiinal

$300,000 and apprvd an xnin h MPP unil Jun 30, 2010.


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assOc Iat IOn/fOundatIOn

dlw aoiio o reaLtOrs

(dar)3,800 mmbr

PrOGraM naMe

Dlawar Umbrlla Prgram

PrOGraM tYPe

Public Awarn, Cmmuniy ourach and educain (Cnumr),

ReALtoRs educain, Financial Aianc

PrOGraM descrIPtIOn

th Dlawar prgram prm wrkrc huing ducain and

awarn hrugh a public awarn campaign vrcm h

stigma of affordable housing, provides closing cost assistance to

hmbuyr, prviding hm inpcin n rcld hm and

cling c, and ai amili wih cunling and paymn

a mrgag applicain .

tarGet MarketLw incm huhld and ReALtoRs wh will b mad awar h

variu wrkrc huing prgram availabl hrughu h a and

will ai pnial buyr in nding h righ prgram.

keY Partners

sx coy aoiio o reaLtOrs

: Nainal Cuncil nAgriculural Li and Labr Rarch Fund, Inc., 1 sa Cmmuniy

Acin, Habia r Humaniy, Milrd Huing, sux Cuny

Cmmuniy Dvlpmn oc and sux Cuny Aciain

ReALtoRs alia

k coy aoiio o reaLtOrs: Nainal Cuncil n

Agriculural Li and Labr Rarch Fund, Inc.

nw cl coy bo o reaLtOrs: Dlawar Huing

opprunii Fund, Dlawar Cmmuniy Rinvmn Acin Cuncil

aWar d

$50,000

cOntact

Charl Hrbr

Gvrnmn Aair Dircr

Dlawar Aciain ReALtoRs

134 ea War srDvr, Dlawar 19901-3614

302.734.4444

302.734.1341 FAX

[email protected]

www.dlawarralr.cm

deLaWare


15/52


PrOGraM suMMarY

In any prin,there are terms of art, words or phrases

ha hav a pcial maning wihin ha prin bu which may man

mhing nirly dirn h uid. ovr im h inid

maning bcm cnd naur hir ur and i i aumd ha

vryn undrand hm in h am way. Ral a and huing

crainly hav hir har uch rm. on Dlawar hr cuny

ReALtoR aciain (sux Cuny) wa abl ak a rh lk

a h hmwnrhip landcap and ralizd i ndd implmn

a public awareness campaign to overcome the stigma of affordable

huing. thi kind inigh r grund-ruh i ndmic lcal

ReALtoR

aciain and huld b apprprialy valud.

th Dlawar Aciain ReALtoRs (DAR) clarly valu uch

lcal knwldg, dciding u i Ira Gribin Gran uppr h

wrkrc huing iniiaiv i lcal aciain wr dvlping

ai wrkrc amili in hir cmmunii. each cuny aciain

(sux, Kn, and Nw Cal) k a dirn apprach, bad n

h iuain, parnr, and rurc in i lcaliy.

sux Cuny will duca ReALtoRs, advca r ardabl

huing, infunc public prcpin, invlv lcal rganizain,

and prvid cling c.

Kn Cuny will prvid cunling and applicain r lw

and mdium incm amili.

Nw Cal Cuny will prvid n-n-n cunling, and iniia

a ri minar wih aih-bad rganizain, cmmuniy

rvic prvidr, and hr n crdi, banking, and mrgag.

In hi way, ach cuny aciain rv i wn cmmuniy bu

al ac a a ing grund r apprach ha can b hard wih

h hr cuni ackl h wrkrc huing crii. Dlawar,

unrunaly, will nd all h innvain i lcal aciain can

mur, r, a DAR ad in i Ira Gribin Gran applicain:

A full-time childcare worker, preschool teacher or retail salesperson

arning hir ccupain mdian wag cann ard h air mark

rn r a n bdrm aparmn anywhr in Dlawar, l aln

qualiy purcha a hm.

L h innvain bgin.


16/52



floi reaLtOrs

115,000 mmbr

PrOGraM naMe

sadwki educain er (see),

Flrida Wrkrc Huing Umbrlla Prgram

PrOGraM tYPe

Advcacy Campaign, Cmmuniy ourach,

educain (Cnumr/ReALtoR

), Financial Aianc

PrOGraM descrIPtIOn

Flrida ReALtoRs and i parnr ar ducaing Flrida lgilar n

h impranc incrad unding r wrkrc huing. th prgram

will al ai lcal aciain in dvlping cling c gran r

lw-incm amili, cur prm mplyr-aid huing (eAH)

bn buin cmmunii, ducain r pnial hmbuyr n

variu wrkrc huing prgram, an ardabl huing ummi, r-

im hmbuyr aianc r h wh m h lw incm criria,and building Habia r Humaniy hm.

tarGet Market

sowi eio eo: Lgilar invlvd wih huing

apprpriain and ladrhip.

Lol eo: Fir im hmbuyr, lw incm huhld,

ReALtoRs wh will b mad awar h variu wrkrc huing

prgram availabl hrughu h a Flrida and will ai

pnial buyr in nding h righ prgram.

keY Partners

see coliio: Flrida Hmbuildr Aciain, Flrida Lagu Cii Flrida Aciain Cuni, Flrida Dparmn

Cmmuniy Aair, Flrida Huing Financ Crprain, Flrida Lgal

srvic, 1000 Frind Flrida, Flrida Huing Caliin, Flrida

Cahlic Cnrnc, Flrida Caliin Ardabl Huing Prvidr,

Flrida Impac

Lol eo: Lcal ReALtoR aciain, lcal ciy and cuny

gvrnmn/cmmuniy nii (.g., lcal bank, lcal chambr

cmmrc, lcal buildr aciain, lcal huing dvlpmn

crprain)

aWard

$138,030

Florida REALTORS is eligible to receive an additional $141,970 which

will be requested to support additional local association workforce

housing programs.

cOntact

Vani Ungapn

Dircr Glbal Buin and Lgilaiv Rarch

Flrida ReALtoRs

200 suh Mnr sr

tallaha, Flrida 32301-1824

850.224.1400 xnin 2502

850.224.0702 FAX

[email protected]

www.fridaralr.rg

fLOrIda


17/52


PrOGraM suMMarY

Jami Phad wrkd a h lcal Publix grcry r in Pr

s. Luci, Flrida r vn yar. sh had a gra crdi hiry and had

vn managd aid m aving. In h all 2009 h wa

al living in an vrly-xpniv, n-bdrm aparmn, and h

wa prgnan wih hr r child. Lik many in Flrida, hard-hi by h

rcin, h dram hmwnrhip wa ill aliv i nw mwha

mr dian.

Narly 20 yar ag h a Flrida dcidd ddica a prin

h a ral a ranr wrkrc and ardabl

huing. Bu in rcn yar ha righ had bn undrmind by

budg prur and h ddicad unding wa divrd m

mr pring gnral rvnu bligain.

th Flrida ReALtoRs dvlpd a w-prngd prgram addr

wrkrc huing. Fir, in crdinain wih i narly n dzn

parnr in h sadwki Caliin, Flrida ReALtoRs i muning

a cmprhniv ducain prgram, aimd a inrming Flrida a

lgilar h lng-rm valu uppring wrkrc huing

and king rr h ranr -aid. scnd, Flrida

ReALtoRs i allcaing unding lcal ReALtoR aciain

ai r-im and lw-incm hmbuyr in way b dnd by

lcal cndiin.

Fr xampl, h ReALtoRs Aciain s. Luci (RAsL), n

igh lcal aciain rciv Ira Gribin Gran unding hrugh

Flrida ReALtoRs in 2009, argd i r ridn wh

qualid undr HUD Lw Incm Guidlin. RAsL i making $2,500

gran pnial hmwnr cvr cling c. Hlping h

buyr i al hlping rvializ and abiliz lw and mdraincm ridnial huing.

In spmbr 2009, Jami P knw h wa having a baby by

and wand rai him in a hu wih a backyard play in and a

bdrm hi wn. Wih RAsL aianc, and a chck r $2,500

ward cling c, Jami wa abl purcha hr hm and vn

had nugh inall nw carp and pain hr nw hm rm.

L han a mnh lar Jami n Lgan wa brn, cming hm

a hu wih a backyard and a rm h culd mday call hi wn.


18/52



hwiì aoiio o reaLtOrs

(har)9,037 mmbr

PrOGraM naMe

ReALtoRs simulaing Wrkrc Huing in Hawaiì

PrOGraM tYPe

educain (ReALtoR/Cnumr), Wb-bad Rurc

Cnr (Cnumr), Rurc Guid (Cnumr),

Cmmuniy ourach, Public Awarn

PrOGraM descrIPtIOn

Hawaiì i iniuing a nw prgram, ReALtoRs simulaing Wrkrc

Huing in Hawaiì, ha will b a cmbinain ducain and

prinal aianc crad inill cnumr cndnc n hw

bgin h prc hmwnrhip. Hawaiì wrkrc will

b inrmd n hw ak advanag ax crdi, dwnpaymn

aianc prgram, buy back inr, llr cncin, and h

variu prgram bing rd by FHA, VA, UsDA, and sa andCuny Huing Auhrii.

tarGet Market

Hawaiì rvic indury wrkrc, cmpriing rnr, pnial

r-im hmbuyr and hr pnial hm buyr, wh ar

unawar h rurc and l availabl nr h ardabl

huing mark.

keY Partners

Hawaiì Huing Financ & Dvlpmn Crprain (HHFDC),Cuny Huing Agnci (o ahu, Maui, Kaua i and Hawaiì), Hawaiì

Hmwnrhip Cnr, Building Indury Aciain-Hawaiì,

Hawaiì Aciain Mrgag Brkr (HAMB), Hawaiì Bankr

Aciain, Hawaiì ecrw and til Aciain

aWar d

$60,000

cOntactMyung oh

Dircr Gvrnmn Aair

Hawaiì Aciain ReALtoRs

sui 220

1136 12h Avnu

Hnlulu, Hawaiì 96816-3793

808.733.7060 xnin 104

808.737.4977 FAX

[email protected]

www.hawaiiralr.cm

haWaIÌ


19/52


PrOGraM suMMarY

Wrkrc huing ardabiliyi a pring iu

in vry a, and h ardabiliy gap r wrking amili can b

dicul a. Bu a nvl way quaniy h dipariy bwn

wrkrc incm and hm pric wa dvlpd by a nn-pr

huing advcacy rganizain, Hm Hawaiì. Rahr han ju

cmpar alari pric, h analyi akd: Hw many ppl wuld

i ak by ccupain (cmbining hir incm) purcha a mdian-

pricd hm? thy dicvrd, r xampl, ha in Hnlulu i wuld

ak 2.33 phyical hrapi ard a lan r a mdian-pricd

hm. similarly, i wuld ak 3.33 plic cr and 4.07 lmnary

chl achr qualiy r ha am lan. A a Bank Hawaiì

economist put it, simply, Hawaiì and Honolulu are suffering from

a upply imbalanc.

th Hawaiì Aciain ReALtoRs (HAR) wa nly awar

h diculy nding ardabl wrkrc huing and knw

hi wa a challng acd n all h a iland. Ar rciving

h Ira Gribin Gran launch i ReALtoRs simulaing Wrkrc

Huing in Hawaiì prgram, HAR cnducd rarch and rganizd

dicuin amng Hawaiì ral a prinal, which cncludd

ha h m civ mag wa mak a dirc link bwn h

availabiliy h ax crdi and h impranc uing a ReALtoR,

hrby imulaing bh hm al and dircing buin mmbr

ReALtoRs.

A a rul, HAR iniiad a mdia campaign n tV, radi, and in

prin plighing h $8,000 r-im hmbuyr ax crdi, wih

an engaging line: First-time homeowners have 8,000 reasons to

buy nw. thi wa rinrcd wih h crain a nw wbi

(hawaiihuingprgram.rg) aimd nirly a pnial r-im

hmbuyr.

HAR prgram ha al cud n ducain r bh ReALtoRs

and pnial hm wnr, inrming hm prgram rd by

FHA, VA, UsDA, and hr vrcm h hurdl hm buying.

sinc launching i campaign, HAR ha n chang in i mark.A Nvmbr 2009, o ahu, Kaua i, Maui, and h Big Iland, hav

xprincd an incra in bh ingl-amily hm and cndminium

al cmpard h am prid a yar ag, which many ar

aribuing r-im hmbuyr and h dral ax crdi. Hnr

r craing awarn h ax crdi urly g, a la in par,

HAR and i imulaing campaign.


20/52



Io aoiio o reaLtOrs

(Iar)7,500 mmbr

PrOGraM naMe

Wlcm Hm Idah

PrOGraM tYPe

educain (ReALtoR/Cnumr), Financial Aianc

PrOGraM descrIPtIOnIdah i nhancing i xiing Wlcm Hm prgram by adding

hmbuyr ducain and cunling and ReALtoR ducain n mplyr-

aid huing (eAH). I i al prviding dwnpaymn aianc hrugh

h Idah Huing Financ Agncy in h rm a Fir tim Hmbuyr tax

Crdi Advanc lan ha will rimbur h brrwr h inr n h ax

crdi advanc whn h lan i ully rpaid.

tarGet Market

Wrkrc grup ha all in h 80% 140% avrag ara incm;hi includ yung prinal, r im hmbuyr, h rvic

indury, plic and achr. ovr 60 prcn all wnrhip dmand

r high c ara will cm rm huhld arning l han

$75,000 pr yar.

keY Partners

Ada Cuny Aciain ReALtoRs

(ACAR), ReALtoRs

CmmuniyFundain, Idah Huing and Financ Agncy (IHFA), Nighbrhd

Huing srvic (NHs), Inrmunain Mulipl Liing srvic (IMLs)

aWar d

$60,000

cOntact

Migul Lgarra

Dircr Public PlicyAda Cuny Aciain ReALtoRs

9550 W Bhl Cur

Bi, Idah 83709-0569

208.947.7226

208.376.0363 main

208.377.8066 FAX

[email protected]

www.idahralr.cm

IdahO


21/52


PrOGraM suMMarY

smim a gd ida nd a lil hlp.

Whn Cngr pad and h Pridn ignd h Fir-tim

Hmbuyr tax Crdi up $8,000, i wa gnrally haild a an

nrmu bn r-im hmbuyr. th diculy lay in h ac

ha h crdi wuld n b paid unil h nw hmbuyr rcivd hi/hr

dral incm ax rund, which migh b mnh ar cling. Whil h

crdi migh hav mad h hm ardabl, w r -im buyr culd

ard pu up an quivaln amun r wai r h rund.

In rdr mak h ax crdi availabl r-im hmbuyr a h

im cling, ReALtoRs in Idah wrkd rlv h prblm by

parnring wih h Idah Huing and Financ Aciain (IHFA) and

dvlpd a lan prgram bridg hmbuyr unil hy rcivd

hir rund. th lan wr availabl r up 5% h al pric,

n xcd $7,000 and, m impranly, h mny wa availabl

whn i wa ndd; a h im cling.

Whn h Idah Aciain ReALtoRs (IAR) rcivd i Ira Gribin

Gran, which wa nhancd by a cnribuin rm h Inrmunain

Mulipl Liing srvic, hy dvlpd a way mak h IHFA bridg

lan vn br. In parnrhip wih Ada Cuny Aciain

ReALtoRs (ACAR) and h ReALtoRs Cmmuniy Fundain,

a prgram wa dvlpd pay h inr and aciad

wih h IHFA lan, prvidd ha nw hmwnr rpaid h lan n

im. th n c wa a zr-prcn lan and a mhr raniin

in r-im hmwnrhip.

th gran, which gav ri IAR Wlcm Hm Idah prgram,

i al uppring hmbuyr cunling and ducain a wll a

ReALtoR ducain cuing n mplyr-aid huing. thi lar

r, mdld n NAR emplyr-Aid Huing Cla (rmrly

Hm Frm Wrk), ha alrady raind vr 50 ReALtoRs and

ruld in ming wih a numbr larg mplyr, including h

Ciy Bi (1,600 mply) and Idah Pwr (2,000 mply).

IAR i al cnducing rgular minar wih lcd cial and

buin ladr abu h bn eAH prgram.

Whhr making h Fir-tim Hmbuyr tax Crdi a mr raliic

pin r building n h emplyr-Aid Huing Cla achiv

lcal rul, ReALtoRs in Idah cninu giv gd ida h xra

hlp hy mim nd.


22/52



Pip o hom Owip (PfhO)/Illioiaoiio o reaLtOrs (Iar)

50,000 mmbr

PrOGraM naMe

Illini sa traurr Dllar and sn Prgram;

emplyr-Aid Huing (eAH) Prgram

PrOGraM tYPe

educain (ReALtoR

/Cnumr), Financial Aianc,Public Awarn, tlki

PrOGraM descrIPtIOn

Illini prgram will: prvid raining r ReALtoRs bcm HUD-

apprvd huing cunlr; ailr hmbuyr ducain and inrmain

cu n ardabl mrgag; prvid lw-inr lan hlp wrking

Illini hmwnr acing challng ay in hir hm; prduc a lki

ai cii, municipalii, r mplyr cra an mplyr-aid

huing prgram.

tarGet Market

Fir-im hmbuyr; exiing, wrking Illini hmwnr;

emplyr, municipalii and cii king ablih

mplyr-aid huing iniiaiv.

keY Partners

Illini sa traurr, lcal cii and municipalii

aWar d

$160,000

cOntact

Lauri Clayn

Parnrhip r Hmwnrhip

Illini Aciain ReALtoRs

P.o. Bx 19451springld, Illini 62794-9451

217.529.2600

800.370.6697

217.529.3904 FAX

[email protected]

www.iar.rg

ILLInOIs


23/52


PrOGraM suMMarY

Dvlping parnrhip i a ky criria lmn r

h Ira Gribin Wrkrc Huing Gran, and in h a Illini i

apparn ha parnrhip wr lvragd in rdr r Parnrhip r

Hmwnrhip (PFHo) cra h civ prgram undd in par

by Illini Ira Gribin Gran.

PFHo, crad by h Illini Aciain ReALtoRs (IAR) in 1996

hlp ai lw-incm, rural Illini ridn achiv h dram

hmwnrhip, ha gn n adminir vral muli-millin dllar

mrgag prgram (in xc $130 millin), prvid pr-purcha

hmbuyr cunling vr 1,500 Illini ridn, and i a HUD

apprvd huing cunling agncy.

PFHo rpuain and xpri in adminiring lan prgram

and prviding qualiy hmbuyr cunling ld parnrhip

wih h Illini Huing Dvlpmn Auhriy (IHDA) and h

Illini sa traurr, and h launch vral prgram hlp

wrking individual bcm hmwnr and mainain lng-rm

hmwnrhip.

PFHo prgram includ hr main cmpnn:

PFHo/IAR will rain ReALtoRs a HUD-apprvd pr-purcha

cunlr hy can cnduc hmbuyr ducain cla r r-

im hmbuyr in vnu acr h a. on prgram availabl

buyr i IHDA Hm sar prgram, which hlp r im hm

buyr achiv h dram hmwnrhip ardabiliy hrugh i

ardabl mrgag and dwnpaymn aianc lan.

Dllar & sn, a cur dvlpd by h Illini sa traurr,

which will duca wrking Illini hmwnr n xiing mrgag

rurc. thi i cmbind wih h Finally Hm prgram, which

prvid lan hlp rubld brrwr ay in hir hm.

Marial will b diribud 50,000 Illini ReALtoRs publiciz

h rurc.

An emplyr-Aid Huing lki, bad n h award-winning

Quincy/Bling Hpial mdl, crad by PFHo r cii,

municipalii, r mplyr ha wih imprv r ablih an eAH

iniiaiv. th lki will includ ay u guidlin, plici, and

rm implmn r nhanc wrkrc huing aianc. PFHo

will crdina wih 37 lcal ReALtoR aciain dlivr h

lki and h NAR emplyr-Aid Huing Cla.

PFHo ha aggriv gal r i prgram, and will wrk

cpraivly wih i parnr cur und nancially uain

i prgram r h lng-rm bn wrkrc amili.


24/52


25/52


PrOGraM suMMarY

th Kana Aciain ReALtoRs(KAR) i 90 yar ld hi yar. And whil lngviy aln i laudabl, in

KAR ca wha i m nwrhy i h inllignc n migh vn

say wisdom with which it pursues its work on behalf of the real estate

indury in Kana. tak h dlibra and hughul apprach i k

digning and implmning i Ira Gribin Gran prgram, h Kana

Huing oppruniy wbi YurKanaHm.rg.

thir ad gal wa ablih a cmprhniv and cnumr-

rind wbi n hm buying rurc, hr al, and rclur

prvnin. tha i n a uniqu bjciv, bu h way hy implmnd

hi viin hw cnidrabl kill.

Fir, KAR k har h dicum abu n rinvning h whl.

KAR cnducd hrugh and wid-ranging rarch idniy

lmn and uncin hr ReALtoR i ha migh b uul

i wn r. In m ca, KAR alkd dircly wih h hr

aciain, king ihr guidanc r licning agrmn. Fr

xampl, KAR lkd Illini r i u aiic, Wicnin

for its Ask a REALTOR bun, and NAR HuLgic i r

prning mainnanc ip, amng vral hr.

scnd, KAR undrd ha imply prviding daild dcripin

mulipl hmwnrhip aianc prgram wuld n b nugh;

ur h i ndd a man idniy prcily which prgram

wuld b bncial hm. Wrking wih h Kana Ciy Rginal

Aciain ReALtoRs, KAR will licn a prgram ha allw

ur nr hir individual inrmain and b prnd nly wih

prgram apprpria hir iuain.

third, KAR ha ugh arg i audinc narrwly and n ry

b all hing all ppl. Ning ha many h huing aianc

prgram in Kana ar dignd r r markd primarily lw-

incm huhld, KAR ha inad argd pnial hmwnr in

h 80 120% AMI rang, many whm hav n purchad a hm

bcau hy lack und r dwnpaymn and cling c.

YurKanaHm.rg i ill a wrk in prgr, bu a ach nw

lmn i addd i prmi grw adily in bh uiliy and valu.


26/52



Mi aoiio o reaLtOrs foio (Mar)

4,502 mmbr

PrOGraM naMe

Liv Whr Yu Wrk Prgram

PrOGraM tYPe

Financial Aianc, Hmbuyr educain

PrOGraM descrIPtIOn

Main nw Liv Whr Yu Wrk prgram prvid dwnpaymn and

cling c aianc hmbuyr king rlca clr rvic

cnr cmmunii rduc/limina hir daily cmmu mplymn.

th n-inr lan, up $5,000, ar rpayabl vr 60 mnh.

tarGet Market

Huhld arning l han 100% ara mdian incm (AMI) ar

ligibl; marking will b argd individual wh daily wrk

cmmu i a la 60 mil.

keY Partners

Go MAINe Cmmur Cnncin (Main Dparmn

tranprain), hMewrk, Inc., Andrcggin Bank, Grham saving

Bank, Knnbc saving Bank, Machia saving Bank, th Fir, N.A.

aWar d

$50,000

cOntact

suzann Guild

excuiv Dircr

Main Aciain ReALtoRs Fundain

19 Cmmuniy Driv

Augua, Main 04330-8005

207.622.7501

207.623.3590 FAX

[email protected]

www.mainralr.cm

MaIne


27/52


PrOGraM suMMarY

o all h a, Main ha h lng avrag

cmmu; 30% h a wrkrc cmmu wrk mr han

30 minu ach way, 15% pnd mr han an hur ravling in ach

dircin. thr i lil public ranprain availabl in Main,

amili ndur h c and challng kping high milag vhicl

prainal and ar n abl av h up-rn mny ndd r

a hm purcha.

th Main Aciain ReALtoRs (MAR) Fundain dvlpd

h Liv Whr Yu Wrk prgram hlp hmbuyr acc

hmwnrhip clr hir mplymn. Wih h Ira Gribin Gran

mni, h Fundain ugh r 0% inr lan, up

$5,000, ha culd b rpaid vr 60 mnh, cvr dwnpaymn

and cling c r individual wh cmmu a la 30 mil

n way wrk. A h prgram g undrway, w pprunii/

challng prnd hmlv.

th r challng rquird a chang in h Main Aciain

ReALtoRs Fundain radiinal buin mdl; ranrm

rm a 100% gran-making rganizain an rganizain wih a

mix gran prgram and i r-vr lan prgram. t implmn

a lan prgram ha wuld b l-uaining, rquird ha h MAR

Fundain bcm a Main-licnd suprvid Lndr. ovr a

ix-mnh prid, h Fundain dvlpd vral inrnal ym

r lan rvicing and qualiy cnrl, curd a Lndr Bnd, and

cmpld i lan cr raining and rgirain wih h a.

th cnd challng wa hw g h wrd u abu hi nw

iniiaiv. thinking ragically, h MAR Fundain i rming an

innvaiv parnrhip wih Go MAINe, a prgram h Grar

Prland Cuncil Gvrnmn, pnrd by h Main Dparmn

tranprain and h Main turnpik Auhriy, king

pak dircly and appal h a huand cmmur.

Abu n in vry 130 ridn h a rciv Go MAINe

lcrnic nwlr, which will b ud dcrib h nw prgram.

Go MAINe will al r pac n i wbi and will inrduc

h MAR Fundain h a larg mplyr lvrag i

cmmunicain r.

Liv Whr Yu Wrk bcam prainal in Fbruary 2010. th

Fundain xprinc wih th Ira Gribin Wrkrc Huing Gran

prgram prvidd hm wih nancial rurc in a im cnmic

ruggl, gav hm nrgy lk a Main huing nd in a nw

and innvaiv way, ncuragd hm ablih nw parnrhip

(bank, Main Dparmn tranprain, Go MAINe), gav hm

cndnc ha hy culd alr hir buin mdl includ lnding,

and hlpd hm dign a prgram ha will ai Main amili

cur ardabl huing clr hir mplymn.

Ma an


28/52



Myl rl e eio foio I.,

/ Pip o hoig foio (Phf)

29,000 mmbr

PrOGraM naMe

Maryland Hm Makvr

PrOGraM tYPe

educain, Financial Aianc

PrOGraM descrIPtIOn

PHF i xpanding i xiing Maryland Hm Makvr prgram

cmpl ncary hm rpair and imprvmn nur

h cmr, ay, halh, curiy, and lng-rm ardabiliy

h dwlling r individual, huhld, r urviving amili

plic, rghr, eMt, vran, cmmuniy/vryday hr, and

dvlpmnally-diabld r phyically challngd prn.

tarGet Market

Individual, huhld, r urviving amili Plic, Firghr, eMt,

Vran, Cmmuniy/evryday hr, and dvlpmnally-diabld

r phyically challngd hmwnr wih hm rquiring wrk r

rring r nw hmwnr.

keY Partners

Lcal ReALtoR aciain, lcal chambr cmmrc,

cial rvic, vran rganizain

aWar d

$100,000

cOntact

Frn Danni

Dircr Huing Prgram

Maryland Aciain ReALtoRs

sui 200

200 Harry s. truman Parkway

Annapli, Maryland 21401-7348

800.638.6425

443.716.3510 FAX

[email protected]

www.mdralr.rg

MarYLand


29/52


PrOGraM suMMarY

Availabiliy and ardabiliy ar n h cu

wrkrc huing iniiaiv, bu in Maryland, h Maryland Ral ea

educain Fundain Inc., /a Parnrhip r Huing Fundain (PHF),

i applying i Ira Gribin Gran imprv and nur h cmr, halh,

and curiy h alrady living in wrkrc huing.

Parnd ar h ppular lviin prgram Extreme Makeover:Home Edition, PHF iniiaiv, Mar yland Hm Makvr, idni

individual, huhld r urviving amili plic, rghr,

mrgncy mdical chnician, vran, cmmuniy hr, and

dvlpmnally-diabld r phyically-challngd prn wh

homes are in serious need of repair or improvement. The Ira Gribin

Wrkrc Huing Gran i allwing PHF cninu hi wrk, which

may b a impl a inalling ramp and accibiliy imprvmn

r h diabld r a xniv a a ull-cal makvr, ay Iln

Klr, Pridn.

t lvrag i gran unding and xnd i abiliy prvid aianc,

PHF ha al bgun an ducain and awarn campaign bring

h huing nd h a wrkrc widr anin, invi

nw parnr jin i r, prm h invlvmn and

rai h imag ReALtoRs in h a gnrally. Alrady, PHF ha

prducd a vid abu h r makvr (availabl n CD), aimd

a lcal ReALtoR aciain and pnial parnr, xplaining

i r and ncuraging viwr idniy pnial rcipin r

aianc.

PHF i paricularly inrd in aiing vran and hir amili.

2000 Cnu gur hw ha h vr 18 yar ld living in

Maryland, mr han 13% (vr 542,000 ppl) ar civilian vran.

thi yar Cnu may wll hw ha h gur hav nw incrad,

bh in ablu and prcnag rm.

In addiin imply rpairing h hm, PHF will lk imprv

h dwlling nrgy cincy and grn prl, a wll a nur i

lng-rm ardabiliy by implmning rpair ha will rquir minimal

mainnanc in h uur.

MIssIssIPPI


30/52



Miiippi aoiio o reaLtOrs (Mar)

5,700 mmbr

PrOGraM naMe

emplyr-Aid Huing (eAH) Iniiaiv

PrOGraM tYPe

educain (ReALtoR), Cmmuniy and emplyr ourach,

Public Awarn

PrOGraM descrIPtIOn

MAR emplyr-Aid Huing Iniiaiv will lvrag lgilain

pad in Miiippi in 2008, allwing mplyr prvid a huing

bn mply wihu ruling in a ax cnqunc r h

mply. th iniiaiv will includ: raining n eAH r ReALtoRs in

21 lcal bard, crain a awid eAH cmmi adminir

an mplyr urach and ducain plan, and h ablihmn an

nging prc duca mplyr and cmmuniy ladr n eAH

iu and pprunii.

tarGet Market

th arg mark r hi prgram i ReALtoRs, a chambr

cmmrc, mplyr, cmmuniy ladr (i.., mayr) and hr

lcd cial.

keY Partners

Miiippi ecnmic Cuncil, Miiippi Manuacurr Aciain,

Miiippi Hpial Aciain, Hmbuildr Aciain Miiippi,

Miiippi Dvlpmn Auhriy, Miiippi ecnmic Dvlpmn

Cuncil, Miiippi Hm Crprain

aWar d

$60,000

cOntact

Jhn Phillip

Vic Pridn Prinal Dvlpmn

Miiippi Aciain ReALtoRs

P.o. Bx 321000

Jackn, Miiippi 39232-1000

601.932.5241 xnin 14

800.747.1103

601.932.0382 FAX

[email protected]

www.mralr.rg

MIssIssIPPI


31/52


PrOGraM suMMarY

th Miiippi Aciain ReALtoRs(MAR) wrk hard a c plici avrabl a rbu ral a

indury. In 2008, r xampl, ar cncrd advcacy n i par, i

aw h a implmn mplyr-aid huing lgilain nabling

mplyr prvid dwnpaymn and/r cling c aianc

mply, wih n ax cnqunc r paricipaing mply. thi

had h pnial allw mr ridn bcm hmwnr and a

h am im gav mplyr an araciv bn hlp rain wrkr.

In a a wh huing indury and labr rc ar ill havily

acd by Hurrican Karina and Ria, hi a prgram wa a

clar win-win.

th challng wa ha w mplyr and vn wr ridn knw

anyhing abu hi prgram. And acd wih a dclining budg and

limid rurc, MAR wa n in a piin mun h kind

awarn campaign ndd bring eAH h anin h

w grup, wh migh hrwi hav bnd graly rm i u.

MAR Ira Gribin Gran huld hlp chang ha.

MAR i implmning a hr-prngd awarn campaign, king :

1. educa and rain ReALtoRs n mplyr-aid huing and

prvid hm wih h l, kill, and rurc call n lcal

mplyr.

2. eablih a a aciain lvl bdy prm and guid

ReALtoR mplyr-aid huing acivii.

3.eablih an nging prc duca and ngag mplyr

and cmmuniy ladr n mplyr-aid huing iu and

pprunii.

And l anyn quin h impranc hi prgram, hy nd

nly lin h wrd, and h bviu prid, wih which MAR

dcrib i pnial:

The ripple ef fect to turning legislation into action for our state a

a ha i n la in many rgard culd pu u r in rm

cmpany rnin, rlcain and xpanin. thi in urn wuld

incra h nd r huing and pu Miiippi r in h mind

cllg gradua king a plac ablih r.

MOntana


32/52



Mo aoiio o reaLtOrs (Mar)

4,100 mmbr

PrOGraM naMe

Ardabl Wrkrc Huing Public Awarn Campaign

PrOGraM tYPe

Advcacy Campaign, Cmmuniy ourach, educain (ReALtoR),

spakr Burau

PrOGraM descrIPtIOn

MAR Ardabl Wrkrc Huing Public Awarn Campaign will

duca and inrm ReALtoRs and cnumr and a h am im

hap public plicy n wrkrc huing. th Campaign includ

cninuing ducain r ReALtoRs n wrkrc huing ardabiliy,

lcal huing ummi cmmuniy cnvrain hd by lcal

bard incra public awarn n wrkrc huing impac and

luin, and a ReALtoR spakr Burau prviding prnain

cmmuniy rganizain n wrkrc huing iu.

tarGet Market

th cu MAR prgram i nur h availabiliy ardabl

wrkrc huing r Mnana wrkrc arning 80 120 prcn

h mdian amily incm in hir ara. MAR k d hi hrugh

ducain, cmmuniy urach and raiing public awarn hlp

hap plicy.

keY Partners

NighbrWrk Mnana, Mnana Bard Huing,

lcal bard

aWar d

$50,000

cOntact

Glnn oppl

Gvrnmn Aair Dircr

Mnana Aciain ReALtoRs

1 suh Mnana, M-1

Hlna, Mnana 59601-5112

800.477.1864

406.441.4861

406.443.4032 main

F406.443.4220

[email protected]

www.mnanaralr.rg

MOntana


33/52


PrOGraM suMMarY

Lik many a in h inrmunain w, vr h pa

dcad Mnana ha xprincd unprcdnd grwh uld by h ral

a cr h cnmy. A i n h ca, hi grwh ha cm

wih challng. on challng ha ha clarly mrgd rm h yar

cnmic bm i wrkrc huing ardabiliy in Mnana grwing

cmmunii. Mark rc cmbind wih rgulary uncrainy hav ld

a grwing gap bwn prvailing wag and huing pric.

Wih aianc rm h NAR Ira Gribin Gran, h Mnana

Aciain ReALtoRs (MAR) i puruing a public awarn

campaign incra undranding abu h challng wrkrc

huing ardabiliy. th prgram ngag ReALtoR mmbr, h

gnral public, and lcd cial in a cnvrain abu h acr

ha infunc h c wrkrc huing in Mnana grwing

cmmunii and h pnial luin.

MAR hr-par awarn campaign bgin by dvlping nw

cninuing ducain pprunii r i mmbrhip. Wih h

gran, MAR ha dvlpd a nw cur ha cu n ducaing

ReALtoRs abu iu ha infunc wrkrc huing ardabiliy.

th cur will b rd in v rginal lcain nur maximum

paricipain and awarn criical huing iu. th cnd

par MAR cninuing ducain r cni ring and

undrwriing rcricain MAR currn Wrkrc Huing

spciali in ur rginal lcain.

th cur will giv ReALtoRs h backgrund hy nd

har hir knwldg wrkrc huing iu and prgram a

housing summits or community conversations hosted by their local

bard. In rdr prvid lid daa n huing iu, ReALtoRs

ar wrking wih th Univriy Mnana Burau Buin and

Economic Research (BBER) to create a housing affordability index

cmparing h mdian-pricd hm h mdian amily incm r

ach cmmuniy. th BBeR dircr ha agrd appar and prn

h rul a ach vn. Ar ach huing ummi r cmmuniy

cnvrain, ReALtoRs will wrk wih lcal cial ablih ahuing ak rc cnduc a huing nd amn b uilizd

in h cmmuniy grwh plicy. thi p-ummi r will nur

ha h cmmuniy adp uainabl luin wrkrc huing

ardabiliy challng.

th hird lmn MAR prgram i pakr raining r ReALtoR

mmbr. MAR will r v rginal in rain ReALtoRs

prn 20-minu alk n wrkrc huing ardabiliy iu

variu lcal cmmuniy grup. th prnain will nablReALtoRs ram h dicuin and prm ReALtoR luin.

th awid cp MAR prgram i nuring ha an n-ging

cnvrain abu ardabl wrkrc huing will ccur amng

i mmbr and h cmmuniy.

neVada


34/52



nv aoiio o reaLtOrs (nVar)

16,474 mmbr

PrOGraM naMe

scuriy Dpi Prgram

PrOGraM tYPe

Financial Aianc

PrOGraM descrIPtIOn

NVAR nw scuriy Dpi Prgram prvid rnal aianc via

zr-inr lan up $500 ai wrking, lw-incm rnr

in cvring h iniial curiy dpi ndd rn an aparmn.

Paricipan will hav 12 mnh pay back h lan.

tarGet Market

thi curiy dpi prgram i dignd ai mmbr h

cmmuniy wh ar mplyd and wh arn up 80% ara mdian

incm. thi prgram i ailrd rv wrking individual wh

nd aianc mving in h r rung h huing laddr (rnal

huing), bu wh incm may xcd h lvl r public aianc.

keY Partners

Nvada Rural Huing Auhriy, Rn Huing Auhriy,

Huing Auhriy h Ciy La Vga

aWar d

$80,000

cOntact

Karn Walkr

Gvrnmn Aair Aian

Nvada Aciain ReALtoRs

sui 200

760 Margrav Driv

Rn, Nvada 89502-3560

775.829.5911 xnin 115

800.748.5526

775.829.5915 FAX

[email protected]

www.nvar.rg

neVada


35/52


PrOGraM suMMarY

o all h Ira Gribin Gran mad during h r yar

h prgram, nly Nvada plan dal xcluivly wih rnal huing.

Fr many ppl in h a wrkrc, rnal huing i h nly

huing ha migh b ardabl, and mim vn ha i a rch.

In 2009, h U.s. Dparmn Labr aiic indicad ha

a high cncnrain mplymn in h a wa in h rvic,

d prparain/rving, building and grund claning, and al

induri. M h jb ar prbably aciad wih Nvada

gaming indury. th mdian incm r h jb i bwn $9.07

and $12.82 pr hur. ohr, lighly highr-paying jb ar in h

c and adminiraiv uppr, cnrucin, and ranprain

and managmn induri, which hav mdian incm bwn

$11.67 and $37.50 pr hur. Wih an unmplymn ra vr

13%, i i unlikly ha hr will b prur incra h wag

anyim n.

Fr many ppl arning wag in h rang, i can b dicul av nugh r bh h r mnh rn and a curiy dpi.

th Nvada Aciain ReALtoRs (NVAR) scuriy Dpi

Prgram i dignd ai wrking amili by prviding inr

r lan cvr hir curiy dpi. Wrking wih hr Nvada

huing auhrii (n in La Vga, n in Rn, and n r rural

ara h a), NVAR prgram arg rnr arning up 80%

h ara mdian incm. each h huing auhrii hir

wn plici n lan payback, wih h inn hav h paymn

mad in mnhly inallmn, b cmpld wihin n yar hagrmn da.

th gal NVAR scuriy Dpi prgram i hlp amili avid

having incur crdi card db r dlay mving in a rnal prpry

bcau h challng ubanial up-rn c gnrad by

mving in a nw rnal. NVAR bliv hi prgram and i mmbr

can hlp many h amili raniin rm rnr hmwnr

vr im.

neW JerseY


36/52



nw Jy aoiio o reaLtOrs hoig Oppoiy

foio, I. (nJarhOf)

50,000 mmbr

PrOGraM naMe

Hlping Hand tward Hmwnrhip Prgram

PrOGraM tYPe

Cmmuniy ourach, Hmbuyr Cunling,

educain (ReALtoR/Cnumr)

PrOGraM descrIPtIOn

Building n xiing prgram, NJARHoF will duca ReALtoRs and

wrkrc hmbuyr n h huing rurc and l availabl

wrking amili in Nw Jry. th rurc includ nancial

liracy wrkhp, hmbuyr cunling, hmwnrhip ax bn

cla, NAR emplyr-Aid Huing (eAH) Cla, NAR expanding

Huing opprunii cla, Nw Jry Huing and Mrgag Financ

Agncy Liv Whr Yu Wrk prgram, and cmmuniy urach

hrugh tV, radi, and prin and lcrnic mdia ul and wbinar.

tarGet Market

Fir-im hmbuyr wrking amili wih huhld arning

50 150% mdian huhld incm will b h arg audinc.

Addiinally, h prgram will rv ReALtoRs wh can ai h

wrking amili in purchaing hir r hm.

keY Partners

Nw Jry Aciain ReALtoRs (NJAR), NJAR Gvrnmn

Rarch Fundain, NJAR Lcal Bard, Nw Jry Cmmuniy Capial,

Nw Jry Huing Mrgag Financ Agncy (HMFA), tD Bank, small

Buin Adminirain (sBA), Inrnal Rvnu srvic (IRs)

aWar d

$160,000

cOntact

tra tiln

Dircr Mmbr srvic and Fdral Liain

Nw Jry Aciain ReALtoRs

P.o. Bx 2098

edin, Nw Jry 08818-2098

732.494.4718

732.494.5616 main

732.494.4723 FAX

[email protected]

www.njar.cm

neW JerseY


37/52


PrOGraM suMMarY

The catch phrase knowledge is powerculdn b mr rlvan han whn i cm h hm buying

prc. Numru udi hav cid ha lack inrmain i n

h p barrir hmwnrhip.

In rdr addr hi hmwnrhip barrir in Nw Jry,

h Nw Jry Aciain ReALtoRs Huing oppruniy

Fundain (NJARHoF) i launching a muli-cmpnn ducain

prgram wih aianc rm h Ira Gribin Gran prgram.

th Hlping Hand tward Hmwnrhip prgram purp i

inrm ReALtoRs and cnumr n h huing rurc and l

availabl wrkrc amili in hir purui hmwnrhip.

A par hi prgram, NJARHoF i cnducing cu grup

hrughu h a ha includ ReALtoRs, mplyr and

cnumr, in rdr dvlp maging ha i mmbr can

u rach pnial wrkrc r-im hm buyr.

NJARHoF i al crdinaing wbinar and cla hrughu h

a, and lvraging i parnrhip and wrking rlainhip wih a

lng li nn-pr huing rganizain and a and gvrnmn

agnci in rdr inrm i mmbr and cnumr n pic

uch a nancial liracy, mplyr-aid huing, and ax-bn

hmwnrhip. thrugh i ducain r, h gal i rach

1,800 ReALtoRs and cnumr in an igh-mnh prid.

In addiin, NJARHoF plan n implmning a uccul arndmdia campaign by lvraging h Nw Jry Aciain

ReALtoRs existing public education campaign titled Get the Real

sry hlp inrm mr cnumr ha buying a hm can b a

piiv xprinc. thir marking plan includ radiinal mdia

ul lik tV, radi, and pr vn, a wll a pdca, Facbk,

Yutub, and an nlin ad campaign argd cial nwrking i.

th impac hi prgram will cninu bynd h Ira Gribin

Gran allcain, inc h undain plan n allcaing i und uur ducain cla, ding cninuu upda h Nw

Jry Aciain ReALtoRs wbi n huing aianc and

rurc in h a, and lvraging i parnrhip hlp mr

ppl bcm hmwnr in h a Nw Jry. thrugh

h r, NJARHoF i bringing ruiin h phra knwldg

i pwr.

nOrth carOLIna


38/52



no coli aoiio o reaLtOrs

hoig Oppo iy foio hom4nc

41,167 mmbr

PrOGraM naMe

Wrkrc Huing Prgram

PrOGraM tYPe

Cmmuniy ourach, Public Awarn, Wbi

(ReALtoR/Cnumr), educain (ReALtoR/Cnumr)

PrOGraM descrIPtIOn

Nrh Carlina Wrkrc Huing Prgram crad a Wrkrc

Huing Crica prgram; will duca h public hrugh lcal

wrkrc huing air and wrkhp r majr mply grup;

will prvid a n-p, wb-bad rurc ha can b ud by

ReALtoRs, huing parnr, and cnumr larn abu ardabl

huing prgram; and will cnduc a publiciy campaign inrm

cnumr abu h wb i and h availabiliy wrkrc huing

crid ReALtoRs.

tarGet Market

Fir-im hmbuyr in h wrkrc arning l han ara

mdian incm.

keY Partners

Lcal ReALtoR aciain, Nrh Carlina Huing Financ Agncy,

FHA, Nnpr huing rganizain hrughu h a

aWar d

$140,000

cOntact

Dian Grn

Dircr Cmmuniy ourach

Nrh Carlina ReALtoRs Huing oppruniy Fundain

4511 Wybridg Lan

Grnbr, Nrh Carlina 27407-7877

336.808.4234

800.443.9956

336.299.7872 FAX

[email protected]

www.ncralr.rg

nOrth carOLIna


39/52


PrOGraM suMMarY

Workforce Housing programs n cu

n aiing public ay (.g., plic and rghr) r public rvic

prnnl (.g. chl achr r municipal wrkr) liv in h

cmmunii hy rv, bu l rqunly cnidr h wh uppr

h lcal rr and urim induri. Bu in a a lik Nrh Carlina,

wih munain and bach, hiry and rr, ravl and urim

cnribu vr $22 billin annually h a cnmy. th wrkr

wh uppr h induri, al, drv liv whr hy wrk and

h Nrh Carlina Aciain ReALtoRs Huing oppruniy

Fundain (Hm4NC) i wrking mak ha happn.

targing r-im hmbuyr arning l han h mdian ara

incm, Hm4NC launchd h NC ReALtoRs Wrkrc Huing

Prgram wih i Ira Gribin Gran. t lvrag ha gran urhr,

Hm4NC curd an addiinal $50,000 in unding rm Bank

Amrica, h prgram 2010 signaur spnr.

In h r pha, Hm4NC cud n ReALtoR ducain. Bynd

impl amiliarizain wih wrkrc huing iu, h prgram rquir

16 hur andardizd ducain n dral, a, and lcal huing

prgram, all lading a Wrkrc Huing spciali cricain.

t cach h anin pnial hmbuyr, Hm4NC ha alrady

prducd a brandd handu, bannr, and brchur (cumizabl

by lcal aciain) and a nw Nrh Carlina Wrkrc Huing

spciali lg.

Cinciding wih h hr iniiaiv, Hm4NC i undraking a

larg-cal rviin i wbi (currnly undrway) which will includ

a archabl daaba r ur nd huing prgram and rurc,

and Wrkrc Huing spciali availabl in hir lcal ara.

th nal pic an x niv public awarn campaign will

kick- in cnjuncin wih Nainal Hmwnrhip Mnh in Jun

driv cnumr h wbi and h WHs-crid ReALtoRs

ha can hlp hm bcm hmwnr.

th mmnum rm h iniial ucc ha nw prmpd

Hm4NC cnidr incrpraing addiinal prgram cmpnn

ai r-im wrkrc hmbuyr lik dwn-paymn gran and

mrgag prcin inuranc.

OreGOn


40/52



Ogo aoiio o reaLtOrs hOMe foio

(hOMe foio)

15,500 mmbr

PrOGraM naMe

HoMe sw Hm Prgram

PrOGraM tYPe

educain (Cnumr), Financial Aianc

PrOGraM descrIPtIOn

orgn Hm Fundain will mak availabl ry $2,000 dwn-

paymn gran r r-im hmbuyr. Lndr will prvid a $500

mach. Buyr ar rquird cmpl a la igh hur hmbuyr

ducain. th prgram i bing markd hrugh h wbi, an

lcrnic nwlr, a quarrly magazin, and cnrnc. th HoMe

Fundain i parnring wih h Prland Huing Cnr and hr

rginal huing cnr prvid hm buyr ducain.

tarGet Market

Fir-im hmbuyr arning 100% r l han h ara mdian

incm; ReALtoRs wh will b mad awar hi nw nancial

prduc and hw i culd bn hir clin.

keY Partners

orgn Bankr Aciain, Prland Huing Cnr

aWar d

$80,000

cOntact

Jnny Pakula

Vic Pridn

Buin Dvlpmn and Mmbr ourach & sa Cunl

orgn Aciain ReALtoRs

P.o. Bx 351

salm, orgn 97308-0351

503.362.3645

800.252.9115

503.362.9615 FAX

[email protected]

www.rgnralr.rg

OreGOn


41/52

PennsYLVanIa


42/52



Pylvi aoiio o reaLtOrs (Par)

32,367 mmbr

PrOGraM naMe

th Cmmuniy Rinvmn Prjc (CoRe)

PrOGraM tYPe

Rarch, Rdvlpmn, Wb-bad Rurc Cnr (Cnumr)

PrOGraM descrIPtIOn

Pnnylvania i launching h CoRe prgram, a a-wid r by

PAR ncurag lcal municipalii and/r rdvlpmn auhrii

nr in agrmn wih ReALtoRs in rdr mark and ll

unud gvrnmn-wnd prpri, hy can b cnvrd in

ardabl wrkrc huing.

tarGet Market

PAR k prvid ardabl wrkrc huing r ky arg

audinc, uch a achr, plic cr, r ghr, halh car

wrkr, rail clrk, adminiraiv prnnl and hr mdra

incm wrkr wh ar nial h cnmic vialiy a ciy r

rgin and h ucc i buin, iniuin and gvrnmnal

uncin. th pcic audinc rvd by CoRe will dir bad n

h nd ach individual municipaliy.

keY Partners

Individual municipaliy and/r rdvlpmn auhrii,

Huing Allianc Pnnylvania

aWar d

$120,000

cOntact

Jnnir shckly

Aian Dircr

Gvrnmn Aair

Pnnylvania Aciain ReALtoRs

500 Nrh 12h sr

Lmyn, Pnnylvania 17043-1213

800.555.3390

717.561.8796 FAX

[email protected]

www.paralr.rg

PennsYLVanIa


43/52

tennessee


44/52



t aoiio o reaLtOrs (tar)

23,000 mmbr

PrOGraM naMe

Hmwnrhip opin r tnn Wrkrc

PrOGraM tYPe

educain (ReALtoR), Wb-Bad Rurc Cnr

(ReALtoR/Cnumr)

PrOGraM descrIPtIOn

th Hmwnrhip opin r tnn Wrkrc prgram will

dvlp an accrdid, cninuing ducain prgram r ReALtoRs

acr h a, lvragd and diminad hrugh a rain-h-rainr

apprach. I will dvlp an n-lin rurc cnr wbi r bh

ReALtoRs and cnumr, and dvlp and implmn an advriing

and PR campaign uppr h ducain and wbi iniiaiv a bh

h a and lcal lvl.

tarGet Market

Lwr-incm ciizn mplyd in dwnwn ara and highr-incm

uburban cmmunii, including r-im hmbuyr, pnially wih

l-han-idal crdi hiri.

keY Partners

tnn Ral ea educainal Fundain (tReeF),

Lcal aciain (23), tnn Huing Dvlpmn Agncy,

tnn Dparmn ecnmic and Cmmuniy Dvlpmn

aWar d

$100,000

cOntact

Charles Pug Scoville

Dircr Cmmunicain & educain

tnn Aciain ReALtoRs

901 19h Avnu suh

Nahvill, tnn 37212-2137

615.321.1477

615.321.4905 FAX

[email protected]

www.arn.cm


45/52


PrOGraM suMMarY

In m a, wrkrc huing i an accrdid pcialy,lik rr, appraial, Grn Dignain, r many hr. Bu i 20% r

mr h ReALtoRs in a a all har h am pcialy, i ar

bcm mhing hr han a pcialy and mr lik a balin,

xpcd crdnial. And ha xacly wha h tnn Aciain

ReALtoRs (TAR) hopes to achieve with its Homeownership Options for

tnn Wrkrc! prgram.

tAR, in cprain wih i ducainal arm, h tnn Ral

ea educainal Fundain (tReeF), plan rain 4,500 h

a ReALtoRs in i Hmwnrhip opin cur vr a hr

yar prid, and an vn grar numbr ReALtoRs in h yar

llw. Funding rm tAR Ira Gribin gran will uppr h r hr

yar h prgram.

tAR and tReeF hav bn aming n ReALtoR ducain r vr

40 yar, advancing dianc larning and inrucr raining mhd

n h wb and in wrkhp and cnrnc.

t m hir aggriv chdul and achiv widprad wrkrchuing raining hrughu h a, tAR and tReeF ar raining and

quipping ix inrucr (a la n rm ach rgin h a)

dlivr hir ix-hur, Ce-accrdid Hmwnrhip opin prgram.

thi raining, a wll a a ubidy r lcal aciain ring hi

prgram, ar bing undd hrugh h Ira Gribin Gran ncurag

a many ring a pibl a h lcal lvl.

tAR and tReeF hav al launchd a nw wbi (www.nhmai.cm)

duca bh ReALtoRs

and cnumr abu hmwnrhippin in tnn. In i arly ag nw, h i will vnually

bcm a cnral rurc cnr r inrmain n nancing and

hr aianc tnnan lking purcha an ardabl

hm. th wbi will b undd by Ira Gribin Gran mni r h

r hr yar and hn mainaind by tReeF.

th hird cmpnn tAR prgram i advriing and public

rlain. Dvlping cur and building a wbi rurc cnr

will hav lil impac n wrkrc huing i hy ar n knwn anduilizd. tAR i dvlping a pr ki and pr rla r radiinal

inrmain diribuin channl, a wll a -card and pcial vn

rach a ar widr audinc.

WashInGtOn


46/52



Wigo reaLtOrs (Wr)

20,414 mmbr

PrOGraM naMe

Wrkrc Huing opprunii simula

Wahingn Huing Mark

PrOGraM tYPe

educain (ReALtoR/Cnumr), Public Awarn

PrOGraM descrIPtIOn

Wahingn ReALtoRs ha xpandd i xiing Qualiy Li iniiaiv

uing cu grup dvlp wrkrc huing maging. Bad n

h cu grup rul, WR crad a public awarn campaign

duca cnumr n wrkrc huing prgram and pprunii.

I al duca ReALtoRs n hw rach h arg mark hrugh

NAR nw expanding Huing opprunii cur.

tarGet Market

Fir-im hmbuyr gmn wrkrc huing mark, dnd amdian incm wrkr wh rv ur cmmunii.

keY Partners

Wahingn sa Huing Financ Cmmiin,

Dparmn Financial Iniuin

aWar d

$100,000

cOntact

Nahan Grn

Dircr

Gvrnmn Aair

Wahingn ReALtoRs

P.o. Bx 719

olympia, Wahingn 98507-0719

360.943.3100

800.562.6024

360.357.6627 FAX

[email protected]

www.waralr.rg


47/52

WIscOnsIn


48/52



Wioi reaLtOrsaoiio (Wra)

14,000 mmbr

PrOGraM naMe

Wicnin Wrkrc Huing Iniiaiv

PrOGraM tYPe

Wb-bad Rurc Cnr (ReALtoR/Cnumr)

PrOGraM descrIPtIOn

Wicnin prgram will cra a cmprhniv wbi includingdcripin currn mplyr-aid huing (eAH) ring,

inrmain n hw cra an eAH prgram, and raining marial

rm h NAR emplyr-Aid Huing cur. I will rain an addiinal

100 ReALtoRs, lndr, and cunlr b eAH crid. I will

duca and ngag a la 10 nw mplyr n eAH wih h gal

nrlling a la v mplyr in an eAH prgram by January 2011.

tarGet Market

th arg mark r hi prgram includ ReALtoRs, mplyr,lndr parnr, cunling agnci and cnumr.

keY Partners

Wicnin Huing and ecnmic Dvlpmn Auhriy (WHeDA)

aWar d

$80,000

cOntact

tm Larn

Dircr Rgulary and Lgilaiv Aair

Wicnin ReALtoRs Aciain

sui 201

4801 Fr Run RadMadin, Wicnin 53704-7337

608.241.2047

800.279.1972

608.241.2901 FAX

[email protected]

www.wra.rg


49/52


PrOGraM suMMarY

on ky larning has always been having just enoughinrmain pru. I hr i lil inrmain i may n b any

pracical u. on h hr hand, i inrmain i prvidd in much

dail, i may imply b vrwhlming and qually limiing larning.

Wbi mak i ay ama xrardinary amun inrmain

and i hav grwn hundrd and vn huand pag. Viir

uch i can aily g l and larning-dicuragd.

th Wicnin ReALtoRs Aciain (WRA) and i Ira Gribin Gran

parnr, h Wicnin Huing and ecnmic Dvlpmn Auhriy

(WHeDA), hav bn parnr in ncuraging wrkrc huing

iniiaiv hrughu h a r vral yar, i wa naural r

hm am up again implmn Wicnin Ira Gribin Gran

prm mplyr-aid huing. Bh h WHeDA and h WRA

wbi cvr dzn pic rlaing huing bh in Wicninand nationally, so recognizing the right-sized lesson for websites,

hy dcidd cra a nw i dvd xcluivly eAH iu.

th nw wbi i xpcd inrm and duca mr ral aprinal, lndr parnr, lcal gvrnmn cial, mplyr,

and mply n h valu hmwnrhip and mplyr-aid

huing. Up unil nw, h marial WRA/WHeDA hav rd n

eAH and i wrkrc huing iniiaiv hav bn prvidd in hard

cpy rma r via mail. Nw all h marial will rid in n

aily accibl lcain h nw wbi grw inr and

dmand r h prgram. ReALtoRs, mplyr, lndr parnr,

cunling agnci, and cnumr ar all xpcd mak u

h i.

th i will n nly prvid inrmain n currn eAH prgram

ring in h a, bu will al prvid inrmain n hw cra

an eAH prgram, and raining marial rm h eAH cur.

Aciad wih hi, WRA and WHeDA xpc rain an addiinal

100 ReALtoRs, lndr, and cunlr wihin h a b eAH

crid. In addiin, hy aim duca and ngag a la 10 nw

mplyr, and nrll a la v in an eAH prgram by January 2011.

th wbi i chduld g liv in May 2010.


50/52

fOr MOre InfOrMatIOn

Pla rr h guidlin and rqunly akd

quin n www.ralr.rg/iragribingran.

Applicain marial r h gran prgram and

hr uppring marial ar al availabl n

hi i.

I yu hav quin, pla cnac

Lra McCray a 202-383-7560 r

[email protected].


51/52


52/52

ira gribin 1 year report

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