Why Homeownership is a Choice Worth Offering

NAIHC Annual Conference | May 7, 2019 | 1:30 pm | Denver, CO

INTRODUCTIONS

Susan Anderson, Director, Rural and Native American Initiatives

Enterprise Community Partners

Robin Danner, CEO

Homestead Housing Authority

Joanna Donohoe, Partner

Seven Sisters Community Development Group, LLC

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TODAY’S DISCUSSION

• Why Homeownership?

• Policies to Support Homeownership

• New Resources for Homeownership Program Development

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FIRST, A FEW QUESTIONS. . .

• Who is in the room?• Tribal leaders, TDHEs, Board of Commissioners, other stakeholders

• In your community:• Is there an expectation of paying monthly housing payments?

• Are there homes to buy?

• Do you have relationships with mortgage lenders?

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Why Homeownership?

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Why Homeownership?

• Demand: Most renters want to be homeowners

• Capacity: Improved income and credit scores

• Culture & Community: Indian Country is a place to raise families

• Resources: Keep rentals for the neediest

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Improves Reservation Economies and Promotes Sovereignty

Policies to Support Homeownership

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Governance Role

Enact laws

Oversee land management

Define foreclosure process

Practitioner Role

Build and sell homes

Provide homebuyer education

Secure down payment assistance

Role of Tribal Leaders

Pre-contact: Vibrant, Flourishing, Evolving & Self-Sufficient Cultures

1492–1828: “Discovery” - Colonial/Missionary Dispatches

1828–1887: Reservation/Treaty Policy/Land Possession

(removal, aggression, westward expansion, treaties)

1887 – 1934: Assimilation Policy

(education, land allotments, automatic citizenship)

1934–1945: Self Governance Policy

(land restoration, govt to govt dealing best)

1945–1965: Termination Policy – “the dark years”

(urbanization, cancel govt to govt dealings)

1965–today: Self Determination & Self Governance Policy

(Native solutions to Native challenges best)

The Eras of U.S. Government Policy

Indian Housing Policies

• Since 1962 – HUD provided IHA’s Funding• Under the Public Housing = to 1% of PHA appropriations

• Competitive between IHAs

• Limited in Scope – restricted to low income (rentals/mutual help)

• In 1996 – Tribes and IHA’s Made a Major Shift• Let go of the certainty of PHA to reach for reform

• NAHASDA appropriations not based on any other HUD program

• Eliminated competition for funds to annual allocations to better plan

• Provided flexibility in funding use in exchange for accountability

• Modernized funding, to include HUD 184 and Leveraging capacity

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Indian Housing Policies

• How We Got Here• Evolution of Federal Land Policies – Paternal to Tribal Management?

• Evolution of Federal Indian Policy – Paternal to Self Governance?

• Evolution of Federal Funding – PHA to NAHASDA (rental to ownership)

• Where We are Headed……..Greater Homeownership

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New Resources for Homeownership Program Development

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Native Homeownership Learning Community Cohort• Training: Kicks off with the curriculum

• Workshopping & Coaching: Helps participants make decisions and take actions

• Resources: Participants are eligible to receive targeted technical assistance and grant funding to support their homeownership program

• Community and accountability: Not just information. The cohort fosters peer to peer networking and developing a supportive community of professionals

• Call for Applications Open Now!!

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