Issuu

2013

The Definition of

Community Report

Idaho Housing and Finance Association improves lives and strengthens Idaho communities by expanding housing opportunities, building self-sufficiency, and fostering economic development.

2013

Community Report

Table of Contents 1 Welcome: Success Stories Are Worth Sharing 2 Revive: A Little Help Goes a Long Way 5 Grow: IHFA and Small Businesses Are a Perfect Match 7

Collaborate: Working Together Works for Idahoans

10 Thrive: More than Mere Survival 13 Persevere: Achieving Success Through Difficult Times 16 Highlights: An Overview of Important Achievements

Success Stories Are Worth Sharing Like all parents, Myndi and Shawn have a pretty simple goal. “We want a better life for our children than we had,” Myndi said. Reaching that goal, though, hasn’t been so simple for the Rathdrum couple, but they’re well on their way. Once deep in debt with no idea how to get out, they now have a savings account and a budget. Once unable to pay their rent, they’re now self-sufficient homeowners. Once overwhelmed because they felt like they didn’t have a future, “Now the possibilities are limitless,” Myndi said.

4,490

Idahoans became And it’s all because of a lot of hard work, discipline, and a little help from homeowners in the Family Self-Sufficiency and the Homeownership Promotes Economic FY 2013. Stability programs. Not to mention encouragement from Idaho Housing and Finance Association counselors. “The counselor provided the rock of accountability, the ear of understanding, and the voice of encouragement we needed to become debt free and financially stable,” Myndi said.

Over the past year, IHFA had the unique privilege to share in the achievements of thousands of our Idaho neighbors like Myndi and Shawn. A record 4,490 Idahoans took the keys to their first home last year. Thousands more saved theirs from the brink of foreclosure. Veterans, seniors, the disadvantaged, and the homeless found safe, stable, places to live. Once-struggling communities stabilized. Small businesses built new facilities, added employees, and helped boost our state’s economic recovery. The list of accomplishments over the past year is as long as it is diverse, and IHFA is proud that we had the opportunity to contribute. None of it would have been possible without the strong leadership of our board of commissioners, the dedication of our employees, and the tireless efforts of our loyal partners around the state. Their support of IHFA is critical to our mission to improve the lives of Idahoans. Thank you all for sharing in a successful year.

David F. Wilson Board Chairman

Gerald M. Hunter President and Executive Director 1

A Little Help Goes a Long Way Caldwell Family Achieves Dream of Homeownership

3.8M

in NSP3

funds have revitalized Canyon County.

Kayce and Miguel are the epitome of success when it comes to finding stability in their lives. These parents of three young children have been working to be tied to community for some time. First they established Miguel’s permanent U.S. residency and then began thinking about a home. With a lot of hard work and just a little help, they were able to find a home five years sooner than expected. “It has meant the world to us to have a place to call our own and grow our roots as a family,” Kayce said. “When we started looking at homes we thought for sure it would take three to five years before we were financially ready to purchase.” Learning about the Neighborhood Stability Program 3 (NSP3) from Ivan Castillo, a real estate consultant with Keller Williams The Castle Group, changed that. When Ivan was introduced to Kayce and Miguel he knew they were perfect candidates for the program. “NSP3 allows hard-working individuals like Kayce and Miguel some additional financial stability to get them into a decent home,” Castillo said. “They are now sitting in a good equity position, and since the NSP3 assistance is recycled into the program it will continue to help others like Kayce and Miguel.”

Kayce and Miguel visit with Whitney Urrutia, project coordinator with AutumnGold.

The Housing and Urban Development’s (HUD) NSP3 represents a third round of funding to provide emergency assistance to stabilize targeted neighborhoods whose viability has been damaged by the economic effects of properties that have been foreclosed or abandoned. The funding allows grant recipients to purchase and rehabilitate homes and resell them to eligible homebuyers.

families own their own homes because of NSP3.

IHFA administers the NSP3 funding for Idaho. Of the $5 million IHFA is administering in NSP3 funds, $4 million has been expended through grant recipients. Forty-one families have been able to purchase a home because of NSP3. AutumnGold Senior Services is one of the grant recipients that manage the program in Canyon County, where Kayce and Miguel live. According to Whitney Urrutia, project coordinator with AutumnGold, this program is good for not only the homeowners but the neighborhood and community. “This program allows us to put houses back on the market at affordable prices, which encourages people in the home to take care of the property,” Urrutia said. “In general, when a home is occupied and being taken care of, the value goes up and the reflection on the neighborhood is better as a whole.”

IHFA has administered

37 million

Kayce and Miguel watch their children at play.

in NSP funding since 2010.

The program has even been a little boost to the economy. “We have hired another person to help with this program, and contractors stay busy with the home rehabilitation efforts,” Urrutia said. To be eligible for the program, homeowners must meet income requirements, have a maximum debt-to-income ratio of 43 percent, complete a homebuyer education course, and invest a minimum of $500 into the home purchase. The program helps buyers by providing them homeownership assistance that can be used toward a financial gap, principal and interest write-downs, or closing costs. “If it wasn’t for this assistance, we never would have been able to purchase this home at this time. The home means everything to us. We have made sure the kids know it is ours and it has instilled a sense of pride in ownership in them even at their young ages,” Kayce said. “They have enjoyed choosing items for their rooms, especially our first-grader.” 4

IHFA and Small Businesses Are a Perfect Match North Idaho Business Builds New Tennis Facility Long, cold winters and chilly, wet springs can make it tough on tennis players in North Idaho. When Mother Nature serves up a snowstorm, a place to play indoors becomes an especially hot commodity.

Nobody knows that better than Gary Retter, managing partner of Peak Health and Wellness Center, a group of three athletic clubs in Coeur d’Alene, Hayden, and Post Falls. The sport’s popularity in North Idaho means club members, high school teams, the Special Olympics, and city programs compete for time on his club’s indoor courts, the only two in the region. “We’ve always had 250 tennis members and because of court availability we’ve never been able to grow that,” Retter said.

The Idaho CSP has facilitated

83M

in private lending.

That’s about to change. Retter and his three partners — Jack Tawney, Chip Althen, and Jim Doty — used the Idaho Collateral Support Program (CSP) to help build a new 45,000-square-foot facility. Called Peak Tennis in Hayden, it will have five courts and is expected to partially open in November. Since its inception in 2011, the Idaho CSP has helped small businesses in Idaho like Retter’s, build and expand facilities, buy new equipment, and add employees. It does so by providing cash deposits that help businesses enhance collateral and qualify for financing.

grow \ gro \ v 1 : to increase in size : 2 : to cause to develop or flourish

So far, Idaho’s $13.2 million allocation from the Department of Treasury has helped create or retain more than 1,000 jobs and supported more than $83 million in private lending. In the program’s first five years, it’s expected that it will generate at least $130 million in private lending and help create more than 1,500 jobs. Retter said he plans to hire from 12 to 15 new staff members to operate the $5 million facility. Among the amenities in the state-of-the art complex: a group fitness studio, saunas and steam rooms, locker rooms, a pro shop, a large social area, and plenty of room for spectators. “When you look at a lot of clubs that are built they don’t really have the room for (spectators),” Retter said. "This one will have views into every court.” Retter said using the Idaho CSP was a good way to help his business grow and continue to serve as a resource for the community. “It worked out great,” Retter said. “We’ve always been a community hub.” The Idaho CSP ranks in the top 10 state programs based on the percentage of funds expended or committed. IHFA was one of the first five organizations nationwide to fully commit its program monies, and it did so eight months sooner than projected. Being ahead of schedule has allowed IHFA to more quickly recycle the program’s funds, which will ultimately benefit more qualified borrowers. So far, more than a $1 million has been put back into the Idaho CSP.

Idaho CSP has created or retained more than

1,000 jobs since 2011.

The $5 million tennis facility in Hayden will hire a dozen or more new employees.

Working Together Works for Idahoans Partnerships Prevent Homelessness The economic upheaval of the past few years took its toll on Idaho families. Few know that better than the organizations that serve the state’s homeless and most vulnerable. The challenges these groups face are even more acute because economic woes often mean the demand for their services increases at a time when resources dwindle.

450,000

Despite the difficulties, low-income families and those experiencing temporary financial setbacks still have a place to turn thanks to Idaho Housing and Finance Association and a strong network of housing service providers.

The Home Partnership Foundation donated

for homeless prevention and shelter.

In fiscal year 2013, IHFA donated $450,000 for direct homeless prevention and emergency shelter activities through the Home Partnership Foundation, which was created in 2005 to increase affordable housing resources and support Idaho nonprofit housing service providers. The money was used by IHFA’s 27 partners throughout the state that provide direct client services. IHFA also acts as an intermediary for these organizations to allow them to access federal Continuum of Care grants. “Providing safe, stable, housing for Idaho families is an important part of IHFA’s mission, and partnerships with service providers around the state makes us all successful,” said IHFA President Gerald M. Hunter.

SCCAP assists about

30,000

Leanne Trappen prepares food boxes for distribution at SCCAP’s food pantry.

Idahoans each year.

For South Central Community Action Partnership (SCCAP), this support and cooperation has been essential in helping people in the Twin Falls area. “Our success is primarily due to the support that we receive from IHFA,” said Ken J. Robinette, the executive director of SCCAP. Each year, Robinette’s organization touches the lives of about 30,000 people, some of whom receive multiple services. SCCAP’s programs cover just about every need in Twin Falls, Cassia, Jerome, Gooding, Lincoln, Camas, Blaine, and Minidoka counties. “We have programs starting from homelessness through homeownership,” said Leanne Trappen, SCCAP’s community services director. “It’s really nice that people have recognized our efforts and the good that we do in the community.” SCCAP’s efforts run the gamut. The organization helps people in the Magic Valley with food, utilities, weatherization, energy-conservation, transportation, medication, education, emergency services, financial management, and of course, housing. “If they’re not stably housed, it’s hard to address any of those other things,” Trappen said. … “Part of our mission is to try to eliminate gaps in services so that we are connecting people where they need to be.” 8

As the largest nonprofit in the region, SCCAP is an anchor and a valuable resource for other nonprofit service providers in the area. “We may not have the (direct or financial) resources to help them, but we have the contacts with other organizations or entities that can help,” said Robinette, who added that SCCAP works with about 160 organizations in the area. The need for essential services like the ones SCCAP provides is only going to increase because there is a new population of people who need them, Robinette said. That makes partnerships between organizations like his and IHFA even more important. “For the past several years so many people who were not in a situation where they needed to seek services now have to seek services because their employment has been cut, they’ve lost their benefits, and in many cases they’ve lost their jobs. These were people who were stable, who did not need to rely on outside sources,” Robinette said. Ken Robinette discusses SCCAP operations with Deanna Ward, director of development for the Home Partnership Foundation.

The Home Partnership Foundation works with 27 partners statewide.

More Than Mere Survival Refinancing Saves Home During Tough Times Kat’s determination and persistence moved her from barely surviving difficult times to flourishing. Kat, a single mother of a teenage daughter, was laid off from her job at a cuisine management company in 2011 and went into survival mode.

1,915

households refinanced their home loan with IHFA.

“I immediately tried to figure out how my daughter and I could get by on unemployment,” Kat said. One of the first things Kat did was look into refinancing her home mortgage. “I saw so many things on TV about lower rates and refinancing options, so I called my mortgage company immediately,” Kat said. “I had a hard time ever getting ahold of someone, and when I did I felt like they were giving me the runaround.” On the advice of a friend, Kat contacted a counselor at IHFA. “The counselor was amazing to work with,” Kat said. “She was able to get answers from my mortgage company that I never could.” Unfortunately the answer Kat finally received was she could not refinance her mortgage while being unemployed. Kat already had been looking for a job for quite some time and was beginning to run low on money. “It was the first time I began to realize I may lose the home I love and have owned for more than 20 years,” Kat said. After making her savings last over a year and a half, Kat

Kat and one of her dogs at home in Boise.

IHFA housing counselors helped

2,667 people.

finally found a new job. She decided to move forward on refinancing her home to help build her savings and better provide for herself and her daughter again. Through a chain of referrals from various banks, Kat eventually met with Kerri Wattier, a loan specialist with 1st Choice Mortgage. Kerri worked with Kat on refinancing her loan through the Home Affordable Refinance Program (HARP). HARP is a federal program introduced in 2009 to help underwater and near-underwater homeowners refinance their mortgages. “Working with Kerri was amazing. She was able to refinance my mortgage quickly and efficiently. I am saving more than $300 a month now,” Kat said. “I was so excited. I had to give Kerri a big hug.” 1st Choice Mortgage is one of more than 300 lenders that partner with IHFA. IHFA administers loan products, like HARP, that lenders process. Once the loan is closed, IHFA purchases and services the loan. After Kat’s experience with her prior mortgage servicer, she feels this is another benefit of her refinancing. 11

“I really like making my payments to a local company and can go down to speak to someone in person if I have a question on my mortgage,” Kat said. “It’s great!” This savings has helped Kat get back on top of things and has provided a more fulfilled life again. “My daughter is back to digging deep into my pockets. It is a great feeling to be able to do more than just provide the bare necessities for her again,” Kat said. Kat took advantage of several unique services that IHFA offers: The free housing counseling service, working with a qualified lending partner, and loan servicing located in Idaho. Other unique products and services IHFA provides include: Finally Home! homebuyer education, tax credits, down payment assistance, and loans with low to no mortgage insurance. Like Kat, these unique products and services helped IHFA thrive this past year and throughout the recession. In fact, IHFA produced a record of nearly $730 million in loans this past year.

FY 2013 was a record-setting year, with

Loan Production

727.7M

(in millions)

in home loans.

$800

$727.7

700 600 500

$474.9 400

$407.1

$383.4 $325.5

300 200 100 0

FY 2009

FY 2010

FY 2011

FY 2012

FY 2013

Achieving Success Through Difficult Times Idaho Couple Keeps Home Despite the Odds Many people have unfortunately faced foreclosure and potential homelessness these past few years but some, like Susan and Billy, faced this challenge and persevered. Susan and Billy are proud parents and grandparents who have been married and living in a small town in eastern Idaho for more than 32 years. Billy, a military veteran, was working full time when he began having health issues that would drop him to the floor. “I would come home from my job at the school and find him on the floor,” Susan said. Not knowing what was wrong, she’d rush him to the emergency room. “I found myself needing to rush him to the hospital a few times a month and needing to stay with him on a more consistent basis so he wouldn’t hurt himself,” Susan said. Billy was eventually diagnosed with Ménière’s disease, which left him disabled and unable to work.

Free housing counseling is available to Idahoans no matter who their mortgage is with.

persevere \ p rs 'vi( )r \ v 1 : continue in a course of action even in the face of difficulty or with little or no indication of success

Billy and Susan take a walk near their home in rural Idaho.

IHFA staff addressed

2,390

foreclosure preventions

As if being sick and losing your job isn’t bad enough, Billy was dropped from his health insurance when he got seriously ill and was unable to get disability for more than three years. With Susan unable to work much because Billy needed constant care, things were really on a downward spiral, but they were comforted to have a place to call home. That outlook changed when their mortgage payments began to increase due to their adjustable-rate home loan. “I thought for sure we were going to lose our home and have no place to live,” Susan said. At the time, their son, daughter-in-law, and two grandchildren had moved in with them so the situation was having a ripple effect on their family. Not knowing where to turn next, Susan listened to a friend who suggested she contact IHFA. “I was hoping we could get into some low-income housing but was still devastated at the thought of losing our home, the one built on land Billy’s father had left him,” Susan said. “The thought of losing the last thing belonging to his father was devastating.” Meeting with an IHFA counselor changed all that. “The IHFA counselor told us about the Emergency Homeowners’ Loan Program (EHLP) that might provide us financial assistance,” Susan said. Through IHFA, the EHLP had provided more than $13 million in assistance to hundreds of Idaho homeowners in jeopardy of losing their home due to job loss or some other unforeseen circumstance. 14

“I imagine IHFA helps a gazillion people, but they made us feel like we were the only ones and treated us with such respect and importance,” Susan said. “We were really scared and thought we were in a battle forever, but with their help we felt like we could breathe again.” In addition to EHLP, the IHFA counselor acted as a mediator with Susan and Billy’s lender and got them to modify their loan. With the EHLP assistance and loan modification, Susan and Billy kept their home and could once again afford their monthly mortgage. Although still ill, Billy is doing better now and both are grateful to be back on steady ground. IHFA’s counselors and their high-touch loan servicing make a huge difference in thousands of lives every year. As demonstrated by IHFA’s foreclosure statistics, compared with Idaho averages (see chart below), the extra time and effort working with borrowers pays off in sustainable homeownership. This past year, IHFA was proud to be identified in a national study as one of two home finance agencies that outperformed all other servicing groups within the study. The noted difference was IHFA’s high-touch servicing protocols. IHFA’s loan servicing capabilities have also led to opportunities assisting other affordable housing organizations with their home loan servicing, such as a new initiative with the New Mexico Mortgage Finance Authority (MFA). IHFA earns fees for servicing certain MFA loans, which will be used to address Idaho’s affordable housing needs.

FHA Loan Foreclosure Rate Idaho

IHFA

3.5 3.0

IHFA is one of two providers that outperformed all other servicers in a national study.

Percentage

2.5 2.0 1.5 1.0 0.5 0

• Dec. 2007

• June 2008

• Dec. 2008

• June 2009

• Dec. 2009

• June 2010

• Dec. 2010

• June 2011

• Dec. 2011

• June 2012

• Dec. 2012

• June 2013

Sources: Mortgage Bankers Association and IHFA

The following numbers provide an overview of the work IHFA completed this past fiscal year. Residential Mortgage Loans Idaho Housing financed 6,642 new loans to Idaho homebuyers, amounting to $722.5 millionâ€”68% of these loans went to first-time homebuyers statewide. The Down Payment Assistance 2nd Mortgage Program loans resulted in a record 1,276 loans statewide worth $5.2 million.

IHFA Provided Housing Counseling to 2,702 Clients

Pre-purchase (113) Post-purchase (24) Rental housing (116) Homelessness prevention (24)

Record

727.7M

Foreclosure prevention (2,425)

in home loans

IHFA hosted its triennial Conference on Housing and Economic Development, bringing together more than 350 businesspeople and housing industry professionals.

PROCESS COLOR GRADIENT VERSION

GOLD - 0C 16M 93Y 0K BLUE - 100C 34M 0Y 2K RED - 4C 100M 100Y 0K

Finally Home! Homebuyer Education PARTNER

LOCATION

Bonner Community Housing Agency Caldwell Board of REALTORS® Coeur d’Alene Association of REALTORS® College of Southern Idaho Greater Idaho Falls Association of REALTORS® Nampa Association of REALTORS® Neighborhood Housing Services, Inc. Pocatello Neighborhood Housing Services Online

GRADUATES

Sandpoint Caldwell Coeur d'Alene Twin Falls Idaho Falls Nampa Boise Pocatello Statewide

6 23 111 59 64 146 151 120 2,401

Finally Home! graduated its th

30,000

TOTAL 3,081

homebuyer.

Donations, Grants, and Assets by Program PROGRAM

Emergency Shelter and Transitional Housing Homelessness Prevention Self-Sufficiency and Asset Building Directed Gifts Unrestricted Gifts Land Banking Home Equity Partnership Fund TOTAL:

REGIO

DONATIONS GRANTS ASSETS

$774,242 $106,506 $20,465 $69,004 $11,459 - - $981,676

$823,308 $149,689 $12,000 $69,004 $250 - - $1,054,251

$317,296 $35,705 $68,180 $0 $23,819 $524,596 $580,049 $1,549,645

4 22

IHFA participated in 43 industry events statewide.

IHFA Issued $47.8 Million in Bonds for Nonprofits, Transportation, and Manufacturing Nonprofit facility bonds ($2.9 M) Manufacturingrelated bonds ($10 M)

1,000

The Collateral Support Program generated $83 M in private loans to small- and medium-sized businesses.

Idaho jobs were created or retained.

Transportation/ GARVEE ($34.9 M)

Multifamily Developments Placed in Service DEVELOPMENT

The Idaho Community Reinvestment Corporation (ICRC) closed a $480,000 loan for the River Street Senior Apartments, Hailey.

ICRC committed a

675,000

loan.

LOCATION

TOTAL UNITS

AFFORDABLE UNITS

Silver Hills Apartments Wallace 24 Seapointe Apartments Lewiston 51 Pioneer Square Boise 43 The Springs McCall 36 Caldwell 48 HOPE Plaza 12th and River Senior Apartments Boise 53 Ketchum 32 Northwood Place Southwood Apartments Rupert 24 Hailey 24 River Street Senior Apartments Saturn Apartments Idaho Falls 38 Gooding 30 Gracehill Senior Apartments TOTAL 403

23 50 43 35 47 52 31 24 23 38 30 396

The Housing Choice Voucher Program Helped 3,848 Families with $15.8 Million in Rental Assistance NUMBER OF FAMILIES AIDED (TOTAL PAYMENTS)

The Family Self-Sufficiency Program assisted 311 participants with their personal savings goals. Thirty-three graduated and four became homeowners.

930 ($4.2 M)

Coeur d’Alene

1,279 ($5.4 M)

Idaho Falls 803 ($2.8 M)

Lewiston

836 ($3.4 M)

Twin Falls

•

300

•

600

900

1,200

• 1,500

Continuum of Care Services PROGRAM

Emergency Shelter Grants Supportive Housing Program Housing Opportunities for Persons with AIDS/HIV* Shelter Plus Care TOTAL

FUNDS EXPENDED

$1,003,116 $1,924,452 $433,113 $368,372 $3,729,053

*$153,847 grants and $279,266 rental assistance

Government Stimulus Funding Administered by IHFA IHFA administers Idaho’s allocations for several federal stimulus programs that benefit people statewide. IHFA housed 29 families in low-rent public housing in Idaho Falls and another 56 in Kellogg.

PROGRAM

Neighborhood Stabilization Program 1 Neighborhood Stabilization Program 3 Homelessness Prevention and Rapid Re-housing

FUNDS EXPENDED

$33.2M $3.8M $149,768

Housingidaho.com A free bilingual rental housing locator service Number of searches

81,774

Number of visitors

28,227

Listings added in FY 2013

128

Units added in FY 2013

949

19.8M

The Section 8 Project-Based Rental Assistance Program helped 3,784 families pay their rent. Employees inspected 378 units.

in funds were expended.

18.6 Million in HOME Program Funds* Were Allocated for 278 Units

PROGRAM ACTIVITY

278 TOTAL 56

Multifamily new construction

11 22

Multifamily rehabilitation (5 units) Multifamily acquisition Single-family new construction

Single-family down-payment assistance CHDO Operating Assistance (1 unit)

Idaho’s Housing Hotline Fielded 269 Calls and 117 E-mail Inquiries*

Single-family acquisition/renovation/resale

102

*10 calls made from unknown locations

HOME UNITS

REGION 1

REGION 2

$3.5 Million in Housing Tax Credits Allocated for 331 Housing Units 4 TOTAL UNITS / HOUSING TAX CREDITS

REGION*

REGION 6

2 M 8 102/ $1.3

REGION 3 REGION 4

209

REGION 5

83 / $626,000

65 / $435,000

30 / $280,000

51/ $837,000

•

$250,000

•

$500,000

•

$750,000

•

$1,000,000

•

$1,250,000

•

$1,500,000

* No credits allocated to Region 5

Thank you for

leadership \'led r-sh ip\ n 1 : the action of leading a group of people or organization 2 : the ability to lead skillfully

combined years of service.

From left: Gerald M. Hunter, Idaho Housing and Finance Association President and Executive Director; David F. Wilson, Chairman; Steven R. Keen, Vice Chairman; Darlene M. Bramon; Jack Beebe; John Insinger; Mark P. Dunham; Ralph Cottle, Secretary-Treasurer (not pictured).

Organizations supported by IHFA’s corporate contributions and staff volunteer efforts: Ada County Association of REALTORS® Advocates Against Family Violence, Inc. Aid for Friends Alternatives to Violence of the Palouse American Association of Service Coordinators American Red Cross Association of Idaho Cities Bannock Youth Foundation Bingham Crisis Center Blackfoot Chamber of Commerce Boise Chamber of Commerce Boise State Universities MBA Mentor Program Bonner County Homeless Task Force Building Contractors Association Business Professionals Association Caldwell Board of REALTORS® Caldwell Chamber of Commerce CATCH of Ada County CATCH of Canyon County CLUB Inc. CLUB Inc.’s Clothes Closet Coeur d'Alene Chamber of Commerce Community Development Council CORE, Inc. Corpus Christi House Crisis Center of Magic Valley, Inc. Dress for Success Eagle Chamber of Commerce Eastern Idaho Community Action Partnership Family Care Center, Inc. Family Promise of Lewis Clark Valley Family Services Alliance of Southeast Idaho Home Partnership Foundation Homeless Management Information System housingidaho.com Idaho Affordable Housing Management Association Idaho Association of Commerce and Industry Idaho Association of Counties Idaho Association of Mortgage Brokers Idaho Association of Mortgage Lenders Idaho Chapter of NAHRO Idaho Community Bankers Association Idaho Community Choices Committee Idaho Fair Housing Forum Idaho Falls Chamber of Commerce Idaho Falls Rescue Mission/Family Care Center

Idaho Hispanic Chamber of Commerce Idaho Main Street Partners Committee Idaho Nonprofit Center Idaho Partners for Homebuyer Education Idaho REALTORS® Association Idaho Rural Partnerships Board IDAHO, Inc. Interfaith Sanctuary Housing Services, Inc. Lemhi County Crisis Intervention Lewiston-Clark Valley Chamber of Commerce Meridian Chamber of Commerce Mini-Cassia Chamber of Commerce Nampa Association of REALTORS® Nampa Chamber of Commerce National Association and Housing and Redevelopment Officials (NAHRO) National Association of Professional Mortgage Women National Council of State Housing Agencies (NCSHA) Neighborhood Housing Services Oneida Crisis Center Organization Assisting the Homeless Student Pacific Northwest Regional Council of NAHRO Philanthropy Northwest Pocatello Chamber of Commerce Pocatello Neighborhood Housing Services, Inc. Ramp up Idaho Partners Sandpoint Chamber of Commerce Sojourners’ Alliance South Central Community Action Partnership South Eastern Idaho Community Action Agency St. Vincent de Paul North Idaho Statewide Bike and Pedestrian Advisory Committee The Advocates The Jesse Tree of Idaho The Salvation Army Boise The Salvation Army Lewiston Toys for Tots Foundation Twin Falls Association of REALTORS® Twin Falls Chamber of Commerce United Way Valley Crisis Center Victory House Western Idaho Community Action Partnership

IHFA contributed

to organizations statewide.

Boise Headquarters P.O. Box 7899 (565 W. Myrtle Street) Boise, ID 83707-1899 208.331.4882 • 877.438.4472 TDD Hearing Impaired: 800.545.1833, Ext. 400 Coeur d’Alene Branch

serve \ serv \ v 1 : to furnish professional services : provide 2 : to hold an office or position 3 : to contribute : promote

IHFA has been serving Idaho’s housing needs for more than

915 W. Canfield Avenue Coeur d’Alene, ID 83815 208.762.5113 • 866.621.2994 Idaho Falls Branch 506 S. Woodruff Ave. Idaho Falls, ID 83401

40 years.

208.522.6002 • 866.684.3756 Lewiston Branch 215 Tenth Street, Suite 101 P.O. Box 342 Lewiston, ID 83501 208.743.0251 • 866.566.1727 Twin Falls Branch 844 Washington St. N., Suite 300 Twin Falls, ID 83301 208.734.8531 • 866.234.3435