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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