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Beyond the Crisis 2010 Annual Report


Teresa Hunter President/CEO


Beyond the Crisis...

Housing Counseling & Mortgage Foreclosure Assistance

EITC Tax Preparation Assistance

Eviction. Foreclosure. Loss of job. Divorce. Domestic abuse. Housing discrimination. Income tax assistance. The need to relocate to a more affordable housing unit. The need for a mortgage loan. Debt crisis. Credit repair. Need for savings.

Homeownership is still part of the “American Dream”, and is a cornerstone of a vibrant community bringing benefits to individual families helping them build stability and longterm financial security. Betty only thought about owning a home; it was years ago when she found out about the Homeownership Education program at FHAS, and took interest. She learned of a partnership FHAS has with her employer to assist employees in becoming more stable with their financial future through homeownership: Employer Assisted Housing Program. By attending the classes, Betty learned the various aspects of owning a home, and the roles of the people involved. She completed the classes, and went through the process of applying for financing. She was able to participate in a collaboration of FHAS with Omaha 100, Inc. and the City of Omaha for financing. Betty purchased her first home - a new construction home, last January.

In one visit to FHAS, a refugee family who moved from Grand Island found free tax help, prescription drug savings for their child with Autism, and enrolled for food stamps, energy assistance and dependent care savings. They also had their credit report pulled and reviewed with them, and transferred a bank account to a local institution. All was accomplished in their 1-1/2 hour visit through service by four volunteers who efficiently helped them reestablish themselves in their new community.

People come through our doors for many different reasons. Our folks are busy helping them in their walk through a number of situations that range from crisis to proactive planning. Our hope is help stabilize housing, finances, and communities. We help people through the immediate crisis AND in preparation for the future. Our greatest joys come when we are able to go beyond the crisis…by connecting them to other resources, some inside FHAS, and some outside.

Inside FHAS…

Homeowner Education Program

Thank you so much for your support! Ernest White Board Chair American National Bank

Teresa Coleman Hunter

Teresa Hunter Executive Director/CEO

Personal Financial Management Counseling

Foster Care Youth IDA Program

Financial Management Program [Scott] enrolled as a participant in the Opportunity Passport program (a Foster Care Youth IDA (Individual Development matched-savings Account) Program with the goal of purchasing a vehicle. During the twelve-hour financial education training, after learning about the impact of good credit, the wise use of credit, and after reviewing of his personal credit report, he changed his asset goal from purchasing a vehicle to paying off his debt.

We help people budget for a rent deposit or save for homeownership. We provide financial education. We help people triple their savings toward a down payment on a home, college or to start or expand a small business. We help with rent and utilities. We help them access the earned income credit through our free income tax preparation services. We match foster care youth savings to purchase items they need, obtain housing or transportation, repair their credit, purchase a certificate of deposit, or otherwise manage their resources. Please read our client stories within this report and you will see how our services make a real difference in helping people move beyond the crisis!

Earned Income Tax Credit Coalition

Smart Change Introductory Savings Program

Tenant Services

Amanda came to FHAS as a single struggling working mom. Working with a housing counselor in our Smart Change Program, Amanda gained knowledge about managing her income and expenses so that she could have something to save at the end of her paycheck. She developed and worked on her plan, and she was able to save $100 within 3 months. As a part of the Smart Change Program, Amanda received an additional $100 as a 100% matching savings incentive. The Smart Change education class provided her the opportunity to work on her personal goals, budgeting and prioritizing living expenses. Amanda found the training so valuable that she has referred many friends and family to the Smart Change Program.

With coaching and guidance from a FHAS financial counselor, Scott’s spending habits changed, and he started saving as much money as possible in his IDA. Within nine months, he saved $1000 dollars, which the Opportunity Passport program matched with $2,000. With that, he purchased a Certificate of Deposit, which he pledged as collateral and was approved for a credit-building loan. FHAS Youth IDA counselor helped strategize negotiations with creditors, and provided guidance in paying off old accounts. Scott was set-up to make affordable payments and payoff the credit-building loan in twelve months. Scott learned that planning and hard work can make a difference in moving toward financial stability. His next goal is to purchase a car by the end of 2011.

2010 community impact report Total Clients-Agency Wide

13,957 (11,201) Total Clients Assisted (Households) 480 Senior Citizens Assisted - 65 years or older (3%) 3,599 Children under 17 years old in households served (26%) 6,158 Female Heads of Household (56%)

Tenant Services (4,463 served)

Homeowner Services (served 1,042)

1,317 Prevented Homelessness/Obtained Housing 963 Maintained Housing 645 Received Rental Education 1060 Received Rent & Utility Assistance $501,222 Distributed for Rent & Utilities 51 Financial Education Fundamentals 30 Government Mandated Relocations

178 Completed Homebuyer Education 306 Working Towards Homeownership 142 Homes Purchased 14 Avoided Foreclosure 63 Households Received Foreclosure Prevention Information 10 Foreclosure Prevention in Process 83 Obtained a Home Equity Conversion Mortgage (HECM)

Earned Income Tax Credit (served 6,041)

Fair Housing (served 2,781)

$8,700,000/$2,043 Total Refunds/Average $1,529,918/$1,863 Total Earned Income Credit/Average 22/121/4,947 Sites (Established & Mobile)/Volunteers/Hours 143 Credit Reports 28 Reduced Debt Levied by Judgments/ Collections 91 Bank Accounts Opened 44 Contributed to Savings 9 Contributed to Individual Development Accounts

Homeowner Finance-Omaha 100 (served 175)

46 New Home Mortgage Loans (First, Second and Third) $1.8 million Total Loan Production $54,600,000 Total 1st Loan Production Since Inception (1992) 921 1st Loans Since Inception $15,300,000 Total 2nd & 3rd Loan Production Since Inception (1992)

716 Received Fair Housing Education 241 Investigations of Potential Fair Housing Violations 108 Reasonable Accommodations $192,500 Value of Relief for Clients

Financial Management (served 702)

248 Working to Repair Credit and Reduce Debt Used Youth Opportunity Funds for Housing, attend College or Purchase a Car 25 Homes Purchased to Date Using IDA (Individual Development Account) Funds 4 Started micro-businesses and 3 pursued higher education with the use of IDA funds to date $135,740 Total Amount IDA Program Participants Saved to Date

2010 AGENCY highlights

Youth IDA Graduation


2nd Annual Surviving in Today’s Ecocomy Conference

Ernest White, President American National Bank

Friends of FHAS Networking Breakfast

Dick Wade, JD, Vice-President City of Council Bluffs Attorney Cecilia Creighton , Secretary Council Bluffs Community Health Center Executive Director Carl Christian, Secretary Army Corps of Engineers, Engineer

MEMBERS Weitz Family Foundation Honored by FHAS

Ed Kentch First National Bank of Omaha, VP of Community Relations

Carol Russell (Community Volunteer)

Housing Forum

Housing Forum

Omaha Earned Income Tax Credit Program

Scott P. Moore, JD Baird Holm Law Firm Attorney Fred Conley (Community Representative) Bennie Brightman Miami Heights Homeowners Association Engineer Tim Riveria, JD Legal Aid of Nebraska, Attorney Ben Klocke Baird Holm

HUD Director John Transvina Fair Housing Center NE-IA

Michael Elston Mutual of Omaha Bank, Banker

OUR SUPPORTERS Aaron Beukelman Alegent Health American National Bank N.A. Baird Holm LLP Ben & Lindsey Klocke Bennie Brightman Blue Valley Community Action Inc. Boys Town Brandy Boschult Brumbaugh and Quandah C L Gerken CampFire Carl Christian Carlene Lewis Carol Dorsey Carol Russell Catholic Charities Cecelia Creighton Center Pointe Chad Reiner Chadd Stackhouse Charles Drew Health Center Cheryl Mix Chesse Hall Corner Stone Imaging Christy Hagen City of Council Bluffs City of Omaha Clark Connection College of Saint Mary Community Action Community Alliance Rehabilitation Services Cort Bonner Council Bluffs Community Health Center Creighton University Cynthia Farthling Davis Insurance Companies Deborah Clay Dedhra Starr Denise Cernick Department of Banking & Finance Department of Housing and Urban Development Department of Justice Earl Hickman Ed Kentch ENCAP Federal Reserve Bank Firespring First National Bank Gary Fischer Goldman Sachs Goodwill Industries Greg Wayman Guardian Realty Hawks Foundation Hayes and Associates Heartland Family Service High Plains Community Development Corporation Hillary Ditisch Hilton Omaha Holy Name Housing Corporation

Hope Harbor Inc. Internal Revenue Service Iowa Commission on Civil Rights Iowa Finance Authority Iowa West Foundation James Wright James Lemar James Mason Jr. Jan Tooker Jayme Toledo Jenny Erwin Jerad Berry Jill Eckerman Jill Fenner Joe Drollinger Joe Garcia Johnny Rodriguez Judith Martin Judith Wells Karen Bermel Kate Fischer Kathy Kneifl Kimberly Mundil Laura Winn Legal Aid of Nebraska Leslie Seymore Lincoln Commission on Human Rights Lincoln Financial Foundation, Inc. Linda Kastning Lois Barr Lord & Dominion Lozier Corporation Lozier Foundation Mammel Foundation Margaret Kenney Matt Dougherty Matt Strotman Matthew & Joni Lawver Metropolitan Community College Michael Carrol Michael O’Donnell Michael Pippin Micheal Elston Michelle Hadley-McGhee Lincoln Financial Foundation, Inc. Linda Kastning Lois Barr Lord & Dominion Lozier Corporation Lozier Foundation Mammel Foundation Margaret Kenney Matt Dougherty Matt Strotman Matthew & Joni Lawver Metropolitan Community College Michael Carrol Michael O’Donnell Michael Pippin Micheal Elston

Michelle Hadley-McGhee Mike Burns Mission for All Nations Mutual of Omaha Mutual of Omaha Foundation Nebraska Children & Families Foundation Nebraska Children’s Home Society Nebraska Investment & Finance Authority Northern Trust, Millard Foundation Northstar Foundation NuStyle Corporation Omaha 100 Inc. Omaha Community Foundation Omaha Economic Development Corporation Omaha Housing Authority Omaha Public Power District Omaha Public Schools Paige Dempsey Pamela Clark Patrick O’Malley Paul Bryant Paul Sather Peter Stekr Region 6 Behavioral Healthcare Rhonda Heineman Rhonda Juarez Richard Wade Robert Brock Robyn Matheny Ronette Steffes Security Equipment Inc. Seldin Corporation Sokolof Foundation State of Nebraska Steffany Crouse Stephanie Pridell Stephen Center Inc. Stephen Marten Sue Henson Realty Swartzbaugh Farber Tabatha Segar Tannise Trotter Teresa & Stacy Hunter The Salvation Army Thomas Warren Thornbury Way Tom Demory Tom Reimers Trudy Ahlstrom United Way of the Midlands University of Nebraska Foundation University of Nebraska at Omaha US Bank Weitz Family Foundation Wells Fargo Bank Wells Fargo Foundation Wendy Townley William & Ruth Scott Foundation Wolters Kluwer Womens Fund of Greater Omaha

2010 financialS 2010 REVENUES

Revenue - $2,539,600 47% Government Grants 17% Contracted Services 13% United Way 11% Foundations 3% Lake Point Facility 5% Contributions & Other




5% 49% 18%


Expenses – $2,618,200 34% Tenant Services 7% 7% 15% Fair Housing 10% 12% Homeownership 11% Administration & Fundraising 10% Homeowner Finance 7% Financial Literacy 11% 6% Lake Point Facility 4% Earned Income Tax Coalition

4% 34% 12%




city approved developers

City of Council Bluffs City of Omaha Fannie Mae Housing and Urban Development (HUD) Midwest Housing Equity Group (MHEG) United Way of the Midlands Nebraska Investment Finance Authority (NIFA) Iowa Finance Authority (IFA)

Community Housing Investment Corporation GESU Housing Corporation Holy Name Housing Corporation NeighborWorks Omaha Omaha Economic Development Corporation Habitat for Humanity Omaha

private partners Adah Millard Foundation American National Bank Baird Holm Bank of the West Baright Foundation Boys & Girls Club of Omaha Chef ’s Mike Catering ConAgra Foods Creighton University, School of Law Criss Foundation Destination Midtown Douglas County Correctional Center Educare Farm Bureau Financial Services First National Bank Foundatio-2-Rooftop Great Western Bank Hayes & Associates Holland Foundation Interdominational Ministerial Alliance Iowa West Foundation John Beasley Theater Peter Kiewit Foundation Lingo Docs Marketing Lozier Corporation

Lutheran Family Services Mammel Foundation Metropolitan Community College Mutual of Omaha National Fair Housing Alliance NIFA Omaha Public Power District Omaha Public Schools Omaha Star Open Door Mission Sacred Heart Security National Bank Seldin Company Sherwood Foundation Siena Francis House State Farm Insurance Stephen’s Center Tier One Bank U S Bancorp, US Bank Home Mortgage Union Pacific Railroad University of NE at Omaha Weitz Family Foundation Wells Fargo Bank William & Ruth Scott Foundation

Teresa Hunter, JD President/CEO

Deborah Conley Director, Tenant Services

Ronette Steffes Director of Operations/CFO

Ed Leahy Director, EITC

Gary Fischer, JD General Counsel

Sue Koch Director of Facilities

Donna McFadden Homebuyer Education-Director

Jerry Dantzler Director, Omaha 100

Joe Garcia Director, Fair Housing Center

Michael Robinson, M.S. Director of Development



Melissa Ball

Tim Butz

Julia Craig

Carla Cox

Carol Dorsey

Gloria Robles

Neil Vacek

Leslie Seymore



Jennifer Griffin

Meya Hill

Tra’Von Marshall

Carlene Lewis

Stephanie Campbell

Michele McKizia

Sabrina Dovenbarger Toni Kelsey Sharon Ernst

ADMINISTRATION Karen Gamble Michelle Hadley-McGhee Cheryl Mix William Reaves

Admin Office 2401 Lake Street Omaha, NE 68111 ph: (402) 934-7921 fx: (402) 934-7928

South Office 2401 Lake Street Omaha, NE 68111 ph: (402) 934-7921 fx: (402) 934-7928

Council Bluffs Office 2401 Lake Street Omaha, NE 68111 ph: (402) 934-7921 fx: (402) 934-7928

2010 Annual Report  

Family Housing Advisory Services 2010 Annual Report

2010 Annual Report  

Family Housing Advisory Services 2010 Annual Report