Keeping My Home: Managing Costly Home Repairs

Margaret Koch did not know what she was going to do when her home repair cost began to wear down on her finances.  She had only lived in her home for two years and the cost of major plumbing and home maintenance repairs were becoming too costly and overwhelming for her monthly fixed income.

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“It is really frustrating when you feel like you done everything right, and there are still obstacles that seem impossible to overcome.”

“It is really frustrating when you feel like you have done  everything right, and there are still obstacles that seem impossible to overcome.”

As a first time homebuyer Margaret thought she had did everything to ensure that she was purchasing a home that would fit her needs and budget.  Margaret stated that she had two home inspections completed and both stated that the home was not in need of any major repairs.

It was shortly after Margaret moved in that her plumbing started backing up and causing issues.  “I had plumber after plumber come in and try to fix the issue.”   She had hired a company to go inside the plumbing and replace a pipe that had collapsed.   Once the company notified her that the work was complete she was still facing regular plumbing and back up issues. “Even after I fixed the problem, I was spending nearly $200 a month on plumbing repairs.”  Margaret explained.

“It was not until I found NeighborWorks that there was light at the end of the tunnel…I called NeighborWorks and Robert was here the next week.  They helped me find contractors to fix my plumbing issues, and also discovered that the original work was not completed.” Margaret explained

Collapsed pipe that was causing plumbing issues in Mrs. Koch's home.

Collapsed pipe that was causing plumbing issues in Mrs. Koch’s home

NeighborWorks Dakota Home Resources worked with Margaret to find a contractor that could complete the necessary home repairs at a cost that she could afford.

“I would not have been able to complete these repairs without NeighborWorks.  I will have a small loan payment, but it is a payment I can afford.”  Margaret explained. “If I would not have found NeighborWorks, I would have had to sell my home.”

NeighborWorks® Dakota Home Resources is able to provide low interest rate loans and forgivable loans for home rehabilitation and repair projects throughout Western South Dakota, thanks to the support from NeighborWorks® America, South Dakota Housing Development Authority, US Bank and Wells Fargo Bank.

"If I would not have found NeighborWorks, I would have had to sell my home.” Margaret Koch

“If I would not have found NeighborWorks, I would have had to sell my home.” – Margaret Koch

NeighborWorks® Dakota Home Resources completes around thirty home rehab projects annually. Assistance ranges from replacement of furnaces and hot water heaters, to updating electrical and plumbing homes.  In 2013, NeighborWorks Dakota Home Resources invested over $100,000 into preserving and rehabbing affordable homes throughout Western South Dakota.

Margaret explained that she could not have been happier with the contractors that completed the repairs.   “They did quality work, and Neighbor Works was there for me whenever I had any questions.”

NeighborWorks® Dakota Home Resources is a private non-profit organization that works to assist families with their dream of homeownership and revitalize the communities to improve the quality of life. NeighborWorks® Dakota Home Resources can assist you in fixing your home.  Call NeighborWorks® Dakota Home Resources at 605-578-1401 for more information.

 

1,000 families..and Counting!

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May 30th, 2014- Sturgis, SD- 1,000 families! NeighborWorks® Dakota Home Resources Campaign for Homeownership celebrated a major milestone and welcomed the Anderson family into their new home.Kelly Anderson and her two children are now the proud owners of a 3 bedroom South Dakota Housing Governors House in Sturgis.

The Andersons are the 1,000th homebuyers to purchase a home through NeighborWorks® Dakota Home Resources.  NeighborWorks® assisted with the purchase and construction of the Governors House and the lot.

The family had been crammed into a 2-bedroom apartment that was very hard for her son to get around in his wheel chair.  “The apartment was very small; we are so excited to have more space.”  Anderson explained.

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Kelly decided to purchase the Governors House because of the affordability factor.  “We looked for existing homes in Sturgis, and could not find anything that would fit our needs.” Anderson explained.

The Governor’s House has two bedrooms, one bath, and 1,008 square feet, with options to build with a basement, or just one level home.

The Anderson home has a completely finished basement that her son will be utilizing as his living quarters.

Thanks to NeighborWorks® Dakota Home Resources, South Dakota Housing Development Authority, and USDA Rural Development, Kelly’s mortgage payment will be comparable to the rent that she was paying for the much smaller apartment.

Kelly Anderson utilized USDA Rural Development 502 Direct Program.  502 Direct loans are primarily used to help low-income individuals or households purchase homes in rural areas.  The program extends the terms of the loan creating more affordable payments for the homeowner.

“USDA is pleased to be a part of this recognition ceremony,” said USDA Rural Development State Director Elsie Meeks.  “Owning your first home is a big step and huge accomplishment.  We want to celebrate this milestone to highlight the efforts that make homeownership possible and to thank NeighborWorks Dakota Home Resources for their hard work.”

Since 1992, NeighborWorks Dakota Home Resources has been assisting families with homeownership opportunities.  Thanks to their many partners including South Dakota Housing Development Authority and USDA Rural Development, NeighborWorks Dakota Home Resources has been able to support their mission and help 1,000 families achieve the benefits of homeownership.

“NeighborWorks Dakota Home Resources could not do the work we do without our partners and supporters.   This landmark event is a celebration for everyone.  Safe, decent and affordable housing is essential for the economic growth and health of our community.” stated NeighborWorks Executive Director Joy McCracken

On May 30th, 2014, NeighborWorks® Dakota Home Resources, South Dakota Housing Development Authority, USDA Rural Development, The Sturgis Chamber, and Sturgis Mayor Mark Carstensen welcomed the Anderson Family into their new home.

Attendees had the opportunity to view the beautiful home and see first hand the positive impact homeownership has on our community.

NeighborWorks Dakota Home Resources would like to thank all of the attendees that celebrated this milestone event, and also thank everyone that donated a lilac bush to help landscape the Anderson’s Yard.    Although the rain put a damper on our volunteer efforts to help with landscaping, Kelly will have four beautiful lilac bushes to plant in her yard.

About NeighborWorks® Dakota Home Resources: NeighborWorks® Dakota Home Resources is a private nonprofit organization that has been assisting in providing decent, safe and affordable housing and revitalizing neighborhoods for twenty years.  NeighborWorks® has helped more than 1,000 families realize their dream of homeownership. NeighborWorks® Dakota Home Resources provides decent, safe and affordable housing and revitalize neighborhoods throughout the Western South Dakota communities.

If you would like more information about NeighborWorks Dakota Home Resources of homeownership opportunities please contact Stephany at 605-923-6007 or visit us on the web at www.nwdhr.org

Mark Lauseng, SDHDA Executive Director, Tim Potts. Area Director at USDA Rural Development, Mayor Mark Carstensen, USDA Rural Development Housing Specialist Ruth O'Neil, NWDHR Board Member Floyd Rummel; Sturgis Chamber Events & Membership Coordinator Kathy Christenson; Sturgis Chamber Membership Services Manager Rainee Lisko; Homeowner Kelly Anderson, NWDHR  Executive Director Joy McCracken, NWDHR Board Member Larry Griffith, NWDHR Community Outreach Coordinator Tracy Thacker, Rural Development State Director Elsie Meeks

Mark Lauseng, SDHDA Executive Director, Tim Potts. Area Director at USDA Rural Development, Mayor Mark Carstensen, USDA Rural Development Housing Specialist Ruth O’Neil, NWDHR Board Member Floyd Rummel; Sturgis Chamber Events & Membership Coordinator Kathy Christenson; Sturgis Chamber Membership Services Manager Rainee Lisko; Homeowner Kelly Anderson, NWDHR Executive Director Joy McCracken, NWDHR Board Member Larry Griffith, NWDHR Community Outreach Coordinator Tracy Thacker, Rural Development State Director Elsie Meeks

 

NeighborWorks® Dakota Home Resources Announces Events Planned for NeighborWorks® Week 2014

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June 1st -21st, 2014- NeighborWorks® Week is sponsored by NeighborWorks® America and its network of local organizations who mobilize tens of thousands of volunteers, business people, neighbors, friends, and local and national elected and civic leaders in a week of neighborhood change and awareness. They rehab and repair homes, paint and landscape properties, conduct neighborhood tours, recognize successful partnerships, and host events that educate, train and inform.

NeighborWorks® Dakota Home Resources has organized  two weeks full of community events for NeighborWorks® Week 2014.

This year NeighborWorks® Dakota Home Resources will celebrate their 19th Annual Paint the Town.  NeighborWorks® Dakota Home Resources and volunteers will be painting 8 homes homes in the 8 communities. .  Homes are located in Deadwood, Central City, Lead, Spearfish, Sturgis, Rapid City, Edgemont and Belle Fourche

DSC_0054NeighborWorks® Dakota Home Resources has organized volunteers from local organizations throughout Western South Dakota to provide a fresh coat of paint for homes that were in need.  Painting will take place throughout the week of June 1st and run through June 21st .  Paint the Town is sponsored by South Dakota Housing Development Authority “Paint South Dakota”, NeighborWorks® Dakota Home Resources, and NeighborWorks® America

June 3rd,  NeighborWorks® Dakota Home Resources will celebrate their 12th Annual Trolley on The Trail Event. The combined effort consists of the use of the trail from the South Dakota Game, Fish and Parks, use of a Trolley from the City of Deadwood and reservations taken by NeighborWorks® Dakota Home Resources.  The Trolley on the Trail is a combined endeavor to give disabled or handicapped people access to the Mickelson Trail. Thanks to sponsorships with local businesses, this ride is provided free of charge.

Saturday June 14th, NeighborWorks® Dakota Home Resources and the Central City Neighborhood Council will host the 7th annual “Community Plant Exchange” at the Pizza Lab in Central City. Attendees will have the opportunity to exchange extra plant items with their neighbors.   New and experienced gardeners are welcomed and encouraged to join in on this great community event.  Attendees are not required to bring exchange items to participate. The Plant Exchange will also be hosting a Food Drive for the Lord’s Cupboard in Lead.

On Saturday, June 14th, the annual Treasures, Trash & Cash tri-city rummage sale will be held in the morning.  Locations will be published in the Black Hills Pioneer the week prior to the event.

This years NeighborWorks week will also be celebrating the ethnic neighborhoods in Lead.

New neighborhood street flags will be installed by the block clubs in Lead. Volunteers will be hanging the flags on June 7th.  After the flags are hung, there will be a picnic in the respective neighborhoods.

Each NeighborWorks® Dakota Home Resources event engages residents to be participating in community events and provides residents the chance to volunteer and beautify our community.

About NeighborWorks® Dakota Home Resources: NeighborWorks® Dakota Home Resources is a private nonprofit organization that has been assisting in providing decent, safe and affordable housing and revitalizing neighborhoods for twenty years.  NeighborWorks® has helped more than 1,000 families realize their dream of homeownership. NeighborWorks® Dakota Home Resources provides decent, safe and affordable housing and revitalize neighborhoods throughout the Western South Dakota communities.  For more information on NeighborWorks® Dakota Home Resources or NeighborWorks® Week, contact Stephany at 605-578-1401 or visit us on the web at www.NeighborWorks®dhr.org

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The Housing Opportunity Fund Awarded to NeighborWorks Dakota Home Resources

NeighborWorks® Dakota Home Resources was awarded $100,000 grant from South Dakota Housing Development Authority’s (SDHDA) Board of Commissioners. The funds will be used to assist homeowner’s in Rapid City and Black Hills Communities improve the efficiency of their home.

NeighborWorks® Dakota Home Resources and 20 other organizations were awarded a total of 1.8 million dollars to support affordable housing and various housing projects and programs across the state.

In 2013, South Dakota Legislators worked hard to craft the Building South Dakota Fund.  The Building South Dakota fund was designed to create certain programs and funds to enhance economic development.

The Housing Opportunity Fund may be used for new construction, the purchase and rehabilitation of a rental or home owner occupied homes, housing preservation, homelessness prevention activities and community land trust.  SDHDA is the administering agency of the housings opportunity fund.

energy logoNeighborWorks® Dakota Home Resources will be assisting homeowners in these communities reduce their energy cost and help create a more efficient home.   Many older homes in these communities need rehabilitation that is to expensive for homeowners to complete on their own. These funds will assist purchasing and installing new insulation, water heaters, furnaces and other energy saving rehabilitations.

 

Many of the communities throughout the Black Hills have smaller populations, but still need funds to improve the economic health of their community.   The Housing Opportunity fund requires that seventy percent of the funds must go to communities with a population of less than 50,000.

“The Housing Opportunity Fund is a great stride to improving the quality of housing in South Dakota. Thanks to the hard work of our legislators and partners, NeighborWorks® Dakota Home Resources will be able to leverage our current programs to maximize our services.   The Housing Opportunity Fund will enrich the entire community and provide strong economic benefits”.  NeighborWorks® Dakota Home Resources, Executive Joy McCracken stated.

NeighborWorks Dakota Home Resources has assisted over 990 families with affordable homeownership opportunities and provided over 2.5 Million in Grants and Loans for Home Rehab Assistance.  NeighborWorks® Dakota Home Resources is able to provide low interest rate loans and forgivable loans for home rehabilitation and repair projects throughout Western South Dakota, thanks to their supporters and partners.

NeighborWorks® Dakota Home Resources is a private non-profit organization that works to assist families with their dream of homeownership and revitalize the communities to improve the quality of life. NeighborWorks® Dakota Home Resources can assist you in repairing your home. For more information contact NeighborWorks® at 605-578-1401

See & Believe Tours

Everyday NeighborWorks Dakota Home Resources and Dakota Land Trust are utilizing programs to help improve our communities and the lives of our fellow residents.

One the benefits of being a staff member at NeighborWorks Dakota Home Resources is seeing first hand the accomplishments that are reached through our programs.
In the fall of 2013 NeighborWorks Dakota Home Resources alongside Dakota Land Trust, launched a new campaign to share this first hand experience with other community members. The “See & Believe Tours” allowed attendees to meet families that we had assisted with homeownership, home rehab, and community building .

See & Belive TourSecond hand success stories are powerful, but when you hear how our work has improved the quality of life for a family first hand, you see the mission of NeighborWorks Dakota Home Resources come alive.
Attendees voiced that it was heart felt, and exciting to know all of the great work that is taking place in each community.

Our clients represent the amazing possibilities that can happen when organizations partner together, work from the bottom up, and engage residents to be a part of our community.
NeighborWorks Dakota Home Resources would like to thank everyone that attended the “See & Believe Tours”. If you were unable to join us on a tour, but would like to experience the NeighborWorks mission, please contact Stephany at 605-923-6007 for our upcoming schedule.

NeighborWorks® Dakota Home Resources Announces Events Planned for NeighborWorks® Week 2013

NeighborWorks® Week is sponsored by NeighborWorks® America and its network of local organizations who mobilize tens of thousands of volunteers, business people, neighbors, friends, and local and national elected and civic leaders in a week of neighborhood change and awareness. They rehab and repair homes, paint and landscape properties, conduct neighborhood tours, recognize successful partnerships, and host events that educate, train and inform.


NeighborWorks® Dakota Home Resources has organized a two weeks full of community events for NeighborWorks® Week 2013. This year NeighborWorks® Dakota Home Resources will celebrate their 18th Annual Paint the Town. NeighborWorks® Dakota Home Resources and volunteers will be painting five homes in the three communities. Homes are located in Rapid City, Box Elder, and Edgemont. NeighborWorks® Dakota Home Resources has organized volunteers from local organizations throughout Western South Dakota to provide a fresh coat of paint for homes that were in need. Painting will take place throughout the week of June 1st and run through June 16th. Paint the Town is sponsored by South Dakota Housing Development Authority “Paint South Dakota”, NeighborWorks® Dakota Home Resources, and NeighborWorks® America.

Tuesday, June 4th, NeighborWorks® Dakota Home Resources will celebrate their 11th Annual Trolley on The Trail Event. The combined effort consists of the use of the trail from the South Dakota Game, Fish and Parks, use of a Trolley from the City of Deadwood and reservations taken by NeighborWorks® Dakota Home Resources. The Trolley on the Trail is a combined endeavor to give disabled or handicapped people access to the Mickelson Trail. Additional Trolley on the Trail dates take place on July 2nd, and September 3rd . Thanks to sponsorships with local businesses, this ride is provided free of charge.

Saturday, June 8th, NeighborWorks® Dakota Home Resources and the Central City Neighborhood Council will host the 5th annual “Community Plant Exchange” at the Pizza Lab in Central City. Attendees will have the opportunity to exchange extra plant items with their neighbors. New and experienced gardeners are welcomed and encouraged to join in on this great community event. Attendees are not required to bring exchange items to participate. The Plant Exchange will also be hosting a Food Drive for the Lord’s Cupboard in Lead.

NeighborWorks® Week activities will continue throughout the month of June. NeighborWorks® Dakota Home Resources, along with many other local organizations are sponsoring the 3rd Annual Open Summer Market “Lead Live”. Lead Live will take place the 2nd Tuesday’s of the Summer Months from 5:30pm-8:30pm. June 11th will be the kick off of this great community event.
On Saturday, June 15th, the annual Treasures, Trash & Cash tri-city rummage sale will be held the morning. Locations will be published in the Black Hills Pioneer the week prior to the event.

Each NeighborWorks® Dakota Home Resources event engages residents to be participating in community events and provides residents the chance to volunteer and beautify our community.

About NeighborWorks® Dakota Home Resources: NeighborWorks® Dakota Home Resources is a private nonprofit organization that has been assisting in providing decent, safe and affordable housing and revitalizing neighborhoods for twenty years. NeighborWorks® has helped more than 950 families realize their dream of homeownership. NeighborWorks® Dakota Home Resources provides decent, safe and affordable housing and revitalize neighborhoods throughout the Western South Dakota communities. For more information on NeighborWorks® Dakota Home Resources or NeighborWorks® Week, contact Stephany at 605-578-1401 or visit us on the web at www.NeighborWorks®dhr.org