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November 12th, 2008 by Mike Knutson
One of the reasons we created the blog was to help people network and learn from each other. That's exactly what I did back in 2003. After hearing about the innovative housing work being done by Northeast Housing Initiative (NEHI) Buy VPXL Without Prescription, of Nebraska, I gave Linda Kastning, NEHI's director, a call. In a nutshell, NEHI had created a "purchase, rehab, resell" housing program, and I'd heard it had helped a lot of families get into homes. Linda was extremely gratious with her time and knowledge, and we've stayed in periodic contact ever since.
When some questions about rehab housing in rural communities recently emerged, I instantly decided that the best way to answer those questions was to try to connect Linda to a broader audience. What you find below is a short interview with her. I'm sure she'd be willing to answer any questions you have, either on the blog or via the contact information provided below. I'd also encourage people to share other succussful programs that they are aware of.
Please describe what you do at NEHI
NEHI helps people buy their first home through our purchase/rehab/resell program. The buyers find their lender and their house. NEHI purchases the house, assists the buyer in getting the rehab work done, and then sells the house to the buyer for the cost of the house plus the rehab. At closing, NEHI comes in with up to 20% of the selling price as down-payment assistance, which means the lender only has to loan 80%. NEHI's loan is 0% interest and is due in full 30 days after the buyer 1) pays off the house, 2) sells the house or 3) defaults. If the buyers live in the house until it is paid off, they have equity in the house to borrow the amount of the loan. Order VPXL online c.o.d, The beauty of this program is that it keeps the buyers' payments affordable for 30 years so their life can go through the normal ups and downs, and the house's major systems are in good working order when the buyer moves in. Our hope is that they will have no major expense for 5-10 years.
Why did you develop the program?
The main reason Northeast Housing Initiative (NEHI) started was Northeast Nebraska had no ongoing housing programs, order VPXL no prescription. Buying VPXL online over the counter, Until about 1993, the only housing programs available were through CDBG grants, buy generic VPXL, VPXL medication, which were awarded to city and county governments who can prove that at least 51% of their population is below certain income guidelines, and which must be spent within a year or two, VPXL in australia. Saturday delivery VPXL, Once HUD HOME funds and Nebraska Affordable Housing Trust Funds became available, we could have more continuity to our programs, order VPXL online overnight delivery no prescription. VPXL from international pharmacy, The person who started our organization and program saw that in order for a village to keep its school, they needed to attract young families, buy VPXL without a prescription. In order to attract young families, they needed to make buying a home easy, Buy VPXL Without Prescription. VPXL paypal, So they started out with a down payment program in the village. But then he saw that in order to run a program efficiently, VPXL in mexico, Buy VPXL online with no prescription, we needed a population base of at least 20,000 and in order to do that, buy cheap VPXL no rx, Delivered overnight VPXL, we needed to be regional. So we started out with three counties and have now expanded to six, buy VPXL online without prescription. Ordering VPXL online, We try to take all the legal requirements and simplify them, leading our customers through the maze of buying that first house.
How do you finance your program?
- Mainly with HUD HOME funds and Nebraska Affordable Housing Trust Funds which are administered by the Nebraska Dept of Economic Development, VPXL in us, VPXL in canada, Community & Rural Development Division, Housing Department and are awarded through a competitive grant writing process for 24 months (existing homes) or 36 months (new construction).
- The Nebraska Investment Finance Authority has partnered with us on some targeted operating funding in the past and annually matches funds that we raise for Homebuyer Education.
- Federal Home Loan Bank of Topeka offers forgivable loans for rehabilitation and closing costs, where can i find VPXL online, Buy no prescription VPXL online, which we access for our buyers.
- We have recently received a grant from Wells Fargo which will be used for closing costs for those buyers who do not qualify for the FHLB forgivable loans.
- We have been providing Homebuyer Education Workshops for eight years and several types of counseling for the last two years (pre-purchase, post-purchase, online buy VPXL without a prescription, Order VPXL from mexican pharmacy, money and/or debt management, rental) and will be writing a grant for HUD Housing Counseling funds in 2009, buy VPXL online no prescription, Buy VPXL from mexico, which could become an ongoing annual grant.
- In 2008 we began an annual request letter to all of our vendors and past customers to fund an Operating Reserve account.
Key elements to our program's success are:
- Our good working relationship with the staff at the Nebraska Dept of Economic Development Housing Department.
- Homebuyer Education Workshop, Counseling and Advocacy. They more the buyers knows and understands about the process, VPXL san diego, Sale VPXL, the more in control of the situation they are, the happier they will be with the outcome.
- A Board that is truly committed to the purpose of our organization.
- Nebraska Housing Developers Association is a statewide organization of housing developers of all types who support each other in all aspects of our work.

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Tags: down-payment assistance, Nebraska, Northeast Housing Initiative, Purchase Rehab Resell, Rehab Housing, rural housing
Posted in Community Development, Housing, Rural | Comments (
1 )

December 3rd, 2008 at 6:37 pm
Hi Linda,
My name is Briana, and I do community development in Deuel County, SD. We are currently a conducting a housing assessment, and considering programs such as the purchase, rehab, resell.
I’m wondering, what is the security on your soft-second loans?
I greatly appreciate your help!
Thanks,
Briana