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Brunswick Housing Opportunities

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  • Need a Picture for the front possible use a local area shot 05/03/10
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  • Need a Picture for the front possible use a local area shot 05/03/10
  • Transcript

    • 1. Brunswick Housing Opportunities Brunswick Housing Opportunities, Inc. April 1, 2010 Building a Better Brunswick
    • 2. Mission
      • Brunswick Housing Opportunities (BHO) seeks to initiate, cultivate, enhance and preserve an atmosphere in which innovative housing is created, acquired and maintained for all residents in Brunswick County.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 3. Vision
      • The Vision of Brunswick Housing Opportunities is of communities and neighborhoods comprised of people of many income levels, educational backgrounds, job skills, religions, and races, with housing available for all. We believe this diversity adds richness to the quality of life that can not be achieved by any other means. It is the very fabric of life we call Brunswick County. BHO believes that innovative, attractive, environmentally friendly housing should be the standard
      • used to build all housing.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 4. Values
      • BHO cares what is lost if the people who provide essential services are no longer
      • able to afford to live in our communities.
      • We firmly believe that affordable housing is the cornerstone to economic and social justice issues.
      • Without a roof over your head—you cannot effectively get a job, enroll in school, vote, file your taxes or cook for your family.  Housing is the foundation to our lives.
      • If it is not affordable for our
      • workforce how will our society thrive?
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 5. Homeward Bound
      • “ If you have come to help me, you are wasting your time.
      • But if you have come because your liberation is bound up with mine, then let us work together.”
      • An Aboriginal Australian Woman
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 6. Homeward Bound
      • What?
        • A Full Service Housing Counseling Agency
          • Financial Fitness and Money Management
          • Credit and Budgeting Specialist
          • Home Buyer Education and Resources
          • Foreclosure Mitigation
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 7. Homeward Bound
      • WHY?
        • The over whelming need for a financial fitness program to assist Essential Workers in acquiring assets.
        • Educate and guide the potential homeowner in taking advantage of the current market trends.
        • Create a steady stream of ready buyers for the open market to encourage developers to build workforce housing.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 8. Homeward Bound
      • Who?
        • Who is eligible to receive services
          • Any Brunswick County Resident interested in homeownership, financial fitness and building wealth.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 9. Homeward Bound
      • Who is our client?
          • Any person seeking to live in Brunswick County
          • They must seek to improve their financial picture through education and training
          • Agree to counseling
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 10. Homeward Bound
      • Income Guidelines
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 11. Homeward Bound
      • Services
        • Financial Fitness
          • Training and Education
          • Income and Credit Review
          • Budget Development
          • Building a Financial Plan
          • Researching Mortgage Products
          • Completing Mortgage Application
          • Choosing Housing Professionals
          • Closing and Maintaining the home
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 12. Homeward Bound
      • Services
        • Credit and Budgeting Specialist
          • Training and Education
          • Pull your Tri-Merge Credit Report
          • Review credit, correct errors and update.
          • Develop a “Living Budget”
          • Establish Savings Plan
          • Establish a housing plan
          • Work through roadblocks and issues
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 13. Homeward Bound
      • Services
        • Homebuyer Education
          • Classes and Workshops on the purchase process
          • “ Safe” Environment in which to engage Bankers and Realtors
          • Building a House Plan
          • Post Education and Counseling
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 14. Homeward Bound
      • Services
        • Foreclosure Mitigation
          • Establish status of Loan
          • Work with servicing company to establish a plan of action
          • Assist Customer with gathering information for Legal Aide of NC or Attorney review.
          • Assist with completing applications and forms
          • Help Customer reestablish credit
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 15. Homeward Bound
      • Equal Opportunity Service Provider
      • BHO provides services to those who desire it regardless of age, race, creed, religion, employment, marital status or financial status. All services are provided regardless of ability to pay.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 16. Homeward Bound
      • Where Do I Start?
        • Reality Check
          • HOW DO I KNOW IF I'M READY TO BUY A HOME?
              • You can find out by asking yourself some questions:
              • Do I have a steady source of income (usually a job)?
              • Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable?  
              • Do I have a good record of paying my bills?  
              • Do I have few outstanding long-term debts, like car payments?  
              • Do I have money saved for a down payment?  
              • Do I have the ability to pay a mortgage every month, plus additional costs?
        • If you answered “no” to any of these questions then you can still buy a home with some work.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 17. Homeward Bound
      • Where Do I Start?
        • Make Up Your MIND!
          • Start by thinking about your situation.
          • Get real and be specific.
          • Start listing the things you know need to address; impulse buying, savings, old debts. Write down three of four realistic goals that you can stick to. For example, “I am going to limit my spending at the convenience store or snack machine to $3 a week’. “I will begin saving a minimum amount every paycheck of $25”.
          • Avoid fantasy-land goals, no one changes instantly, it will only frustrate you.
          • If you need guidance in getting started, don’t give up, you can still buy a home with some work.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 18. Homeward Bound
      • Where do I Start?
        • GET SUPPORT AND MAKE DAILY NOTES.
          • Let your family and close friends know you are beginning this journey.
          • They will be supportive and help you with tips and encouragement.
          • It helps to have some per who is going to keep you motivated in the tough times.
          • Start a simple journal. Nothing elaborate but keep track of your spending and savings and watch your habits change!
          • Start by thinking about your situation. Are you ready to buy a home? How much can you afford? Research has shown that when you track what you do
          • it increases your ability to accomplish your goal.
          • The key is to stay accountable to the process. If you do have a misstep, look back at your journal, celebrate your success to this point and get right back to the journey!
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 19. Homeward Bound
      • How do I get started with HOMEWARD BOUND?
        • Complete the Potential Customer Application Form
        • Gather your documents.
        • Make your initial appointment
        • Sign up for the HB Class
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 20. HOMEWARD BOUND
      • NOW, IF YOU DO NOTHING TIME IS STILL GOING TO PASS AND YOUR DREAM WILL BE JUST, AN UNREALIZED THOUGHT.
      • BUT, IF YOU TAKE THE FIRST STEPS THEN WE WILL BE WITH YOU TO TAKE THE NEXT STEPS.
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 21. Homeward Bound
      • INFORMATION SESSION
      • April 6, 2010
      • May 3, 2010
      • June 8, 2010
      • 5:00PM- 6:30PM
      • CALL 910-253-0699
      • Or go to www.bho2020.org
      Brunswick Housing Opportunities, Inc. April 1, 2010
    • 22. Brunswick Housing Opportunities Brunswick Housing Opportunities, Inc. April 1, 2010 Contact information: Resea Willis Call: 910-253-0699 [email_address] Website: www.bho2020.org

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