November 2010                 Homes Become                 Sustainable Through                 Building Practices         ...
Focus: Sustainable CommunitiesTaking a Closer Look at Sustainable Communities…continued from coverand economic development...
Homes Become Sustainable ThroughBuilding PracticesThe concept of sustainable building incorporates a variety of        bec...
Focus: Sustainable CommunitiesHousing and Transportation:Making a Connection is Key to Planning             You may choose...
Market Trends                                                                              …continued from cover          ...
Focus: Industry Innovators                                                                                   Planning for ...
IHFA News: New DevelopmentsHousing Developments StatewideIdaho Housing and Finance Association        adjacent to the deve...
IHFA News: Programs and ServicesPrograms and Services UpdatesHome Partnership Foundation and The Housing Company          ...
IHFA News: Personal Story  Achieving a Lifelong Dream Through Hard  Work and a Little Help Along the Way  A Twin Falls wom...
IHFA News: EventsCommunity Involvement StatewideAs part of Idaho Housing and Finance         which was held in Idaho for t...
Community Involvement...continued from page 10IdaMortgage REALTOR® AppreciationLuncheon – Idaho FallsTop IdaMortgage REALT...
Fall 2010 Cornerstones
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Fall 2010 Cornerstones

  1. 1. November 2010 Homes Become Sustainable Through Building Practices Better Living Taking a Closer Look at Environments Inside and Out ..............3 Sustainable Communities Defining sustainable communities is to make sure we grow in a way to protect difficult because there are many ways to these things. According to Bruce Chatteron, Housing and characterize the term depending on who planning and development services Transportation: you ask and where they live. In essence director for the city of Boise, people are Making a Connection sustainable communities provide a place starting to understand that there are is Key to Planning ........4 where people want to live and work, and practical reasons for building sustainable communities that meet the diverse needs communities, which go beyond the so- of its residents not only today, but for the called green movement. future. There are several emerging topics of Planning for Growth interest that are spurring collaboration and “Really, the underlying idea is it Harmoniously helping to shape future plans of building A Holistic Approach to more sustainable communities across Idaho. gives us a chance to build and Community Planning ....6 The idea of sustainable communities was live in high-quality communities derived from other principles such as smart that will last over time.” growth and green building, which have — Bruce Chatterton, planning and Housing Developments been around for some time. Rachel Winer, development services director, city of Boise Statewide ............................ 7 the executive director for Idaho Smart Growth, said “Smart growth principles such Programs and Services Updates... 8 as mixed land uses, providing a variety of The economic recession has brought the transportation choices, and creating a range importance of planning methods and Achieving a Lifelong Dream....... 9 of housing opportunities and choices, are the evaluation of a communities’ lasting Community Involvement.. ....... 10 all tools to get to sustainable communities.” vitality to the forefront. Communities She said Idaho is defined by place, so are addressing items such as housing, Calendar of Events.................11 transportation, environmental impact, whether it’s the ranches, farms, mountains, or other aspects defining Idaho, we need …continued on page 2Market Trends: SustainableCommunities; What Does it Mean?It seems that no matter who you talk to, the term sustainable communities meanssomething different. While one person may focus more on the environmental impact,either from a green building or conservation perspective, others may focus more onhousing, transportation, economic development, or even yet another aspect ofsustainable communities.To better understand the topic of sustainable communities and illustrate the widerange of thoughts on the subject, we asked industry professionals statewide to sharetheir perspective of “What ‘sustainable communities’ means to them.”“To me it means partnership. We should all consider things we are involved with in our community from a partnership perspective rather than just an individual perspective.” – Leland Jensen, President, Eastern Idaho Homebuilders Association, Idaho Falls …continued on page 5 Idaho Housing and Finance Association is expanding housing and funding opportunities statewide.
  2. 2. Focus: Sustainable CommunitiesTaking a Closer Look at Sustainable Communities…continued from coverand economic development in an “Having these agencies from different evaluating what the transportationinterconnected manner to help produce cultures coming together in an needs actually are. They are doing thismore sustainable communities by integrated way to create joint programs by reaching out to organizations for thedeveloping jobs and services that are is unprecedented, so the outcome of elderly, schools, and housing authoritiesreasonably close to homes. According the partnership is yet to be seen,” said to understand what the transportationto Lee Jones, regional public affairs Chatteron. Jones explained that in the and scheduling needs are.officer for U.S. Department of Housing past affordable housing was built by Other parts of the state are showingand Urban Development (HUD), this developing wherever land or roadways signs of planning in an interconnectedcreates more affordable transportation were available, and the impact on manner as well. Driggs and Victoroptions, and saves people time and the economy or environment wasn’t in Teton County experienced themoney. This is good for the economy necessarily considered. This method highest per capita growth for theand the environment and decreases our unintentionally built homes in one part Greater Yellowstone region just a fewecological footprint. of town while the places people worked, years ago, but took a step back and reevaluated their planning methods when the economy slowed and projects ECONOMIC “It is good to see the stalled. They are now working more HOUSING closely together. “Both cities working DEVELOPMENT interconnectivity of together to plan in concert for growth SUSTAINABLE planning on the helps make sure the choices they make today don’t limit the choices for COMMUNITIES local level.” future generations,” said Jan Brown, the executive director of Yellowstone — Jim Deffenbaugh, TRANSPORTATION Business Partnership (YBP). YBP, a ENVIRONMENTAL executive director, IMPACT nonprofit organization, has been Panhandle Area Council working towards more sustainable communities in the Greater Yellowstone area since 2001. YPB led a team to The Obama administration introduced an shopped, attended school, and other Interagency Partnership for Sustainable things were spread all throughout create the first regional rating system Communities asking the Department other parts of town, so sometimes affiliated with the LEED Green Building of Transportation (DOT), HUD, and the everything they needed to do could Rating System, which makes economic Environmental Protection Agency (EPA) be twenty minutes or more away and environmental sense for the to work together in an “all-hands-on- from home. According to Jones the Yellowstone-Teton region. According deck” approach in planning for growth. Partnership is trying to offset this by to Brown, Pocatello was the first“The purpose of these agencies working encouraging neighboring communities city registered as a pilot sponsor to together and considering items in an to work together on future planning. demonstrate how each prerequisite and interconnected manner is to take away The grant programs stemming from the credit can be practically achieved on the some of the limitations that are created Partnership are producing collaboration ground. Brown anticipates that once the by considering items individually, and by requiring participation from a system is vetted across a wider audience broaden the possibilities of outcomes consortium of local governments to and proved in concept with developers for communities,” said Scott Frey, ensure a variety of opinions are obtained. and local governments; they will be able transportation planner for the DOT’s “This allows them to begin to reach some to procure more federal funds towards Idaho Division of the Federal Highway consensus on where and how they want their sustainability efforts. Administration. According to Jones, the to grow,” said Jones. Fostering the idea of collaboration and effort is shaping federal policies and “It is good to see the interconnectivity planning for growth by considering provides federal support to encourage of planning on the local level,” said housing, transportation, environmental building and planning that produces sustainable communities. While the Jim Deffenbaugh, the executive director impact, and economic development in Partnership is in its infancy, these for the Panhandle Area Council, one an interconnected manner could build agencies have launched several grant of Idaho’s six Economic Development stronger, more sustainable communities programs for millions of dollars that are District organizations. According to for Idaho. This issue of Cornerstones designed to support their efforts. “We are Deffenbaugh, public transportation looks more closely at how housing and laying out the blueprints, but the people is just one of the areas beginning to transportation are connected, and how in the communities, on the ground, are plan on a sustainable level in northern incorporating green building methods the ones that know what is needed to Idaho. Rather than local transportation not only impacts our environment, make it work and will help define the providers making plans based on what but produces homes with more lasting, outcome,” said Jones. they want, the providers are better sustainable values. n2 November
  3. 3. Homes Become Sustainable ThroughBuilding PracticesThe concept of sustainable building incorporates a variety of because they were near existing development and communityfactors, but ultimately sustainable buildings provide better resources. High-efficiency water conserving plumbing fixtures,quality living environments inside and out, last longer because an ENERGY STAR advance light package, and ENERGY STARthey are more durable and adaptable, and cost less to maintain appliances are just a few of the items that help keep tenant’sbecause they are more efficient. The methods used to build energy costs low. And low energy costs are just one benefit. “Thesustainable homes increase the longevity of the properties and durability of the development is increased because of the high-lead to better quality of life for residents. Both single-family quality materials,” said Claire Casazza, director of developmenthomes and multifamily developments can benefit from this for Thomas Development. The company uses environmentallypractice, and builders in Idaho are incorporating these building preferred products in the construction of the developments,concepts to the advantage of Idaho citizens. which means products must be produced within 500 miles of theMeadow Ranch development in Coeur d’Alene,a 55 and older active adult community,provides quality single-family and townhomes close to necessary amenities. Thesehomes were built from the ground up withsustainability in mind. All the framing forthe homes is done off-site in a factory solumber isn’t sitting outside in inclementweather. This process also allows the homesto be built much more quickly so theyhave less exposure to the elements. Whilethe home floorplans vary, each of thesehomes incorporates features that help theenvironment and ensure the home will standthe test of time. Low-flow toilets; droughttolerant irrigation systems; and energy-efficient windows, doors, and light fixturesare just a few of the items that ensure thehomes are as efficient as possible. In addition,residents benefit from lower utility costs.The benefits of efficiency aren’t seen only in the final product,but quality of life is also a factor for people purchasing thesehomes, said Dennis Cunningham, president of Active WestDevelopers & Builders, the developer of Meadow Ranch.The development is located near a grocery store and medicalfacilities, and is just a quarter mile from North Idaho CentennialTrail, a multi-use recreational trail system. Benefits beyond theproximity to local services are what one resident is lauding abouthis home. “I had a gentleman who told me his eyes didn’t wateras much and that he breathed better after being in his home forjust two weeks,” Cunningham said. The resident attributes thatchange to the quality building materials, such as no VOC paintsand carpet padding and adhesives with low formaldehyde. Above: Homes in Meadow Ranch developmentResidents in two new multifamily developments in Eastern Idaho Below: A resident’s kitchen in the Meadow Ranch developmentare also benefiting from sustainable design and constructionprocesses. Rosslare Senior Apartments in Idaho Falls and site, reducing the pollution that occurs during the transportationCardona Senior Apartments in Chubbuck both recently received process. Thomas Development incorporates green building intoPlatinum Certification through the USGBC LEED for Homes all its affordable housing projects, a decision made in 2006.program, the first two multifamily developments to achieve “LEED has become the construction and quality benchmark forthis in Idaho. Thomas Development Co., the developer of Thomas Development projects,” Casazza said. “It felt like it wasthese projects, included several elements to make these projects the right direction to go in reducing our footprint and cuttingsustainable. Like Meadow Ranch, site locations were selected down waste.” …continued on page 5 Cornerstones 3
  4. 4. Focus: Sustainable CommunitiesHousing and Transportation:Making a Connection is Key to Planning You may choose to live in an urban area because use neighborhoods that combine residential and commercial you enjoy the diversity and convenience associated uses including businesses, shopping, parks and activity centers, with the city and you enjoy the ease of low-cost, schools, and medical centers. The goal is for people to drive less, effective transportation. You may choose to live and walk and bike more. “This benefits everyone,” she said. in a more rural location because you enjoy the “Less driving saves fuel, saves the environment, and creates peace and privacy of being outside the city and sustainable lifestyles and living patterns. If we can change you feel the lifestyle outweighs the additional people’s behavior, then we can change circumstances; what will transportation expense. Whatever your location change behavior is options.”preference, transportation is a part of the home buying decision- The Community Planning Association of Southwest Idahomaking process. Generally, housing prices tend to be lower the (COMPASS), an association of local governments workingfurther you get from the city, core areas, and job centers. Also, together to plan for the future of the region, develops a regionalliving outside the city causes a person to drive further to get to long-range transportation plan, Communities in Motion, for Adawork and that person spends more on transportation. Increased and Canyon Counties. An update to the plan was just completed,transportation costs offset the lower home prices. Several local and work will soon begin on the next update. While the focusgroups are partnering to take a closer look at the link between of the plan is transportation, interrelated uses are taken intohousing and transportation. consideration to make the plan as robust as possible. To this end,Increasing fuel costs have made neighborhoods close to COMPASS is working to expand and strengthen its partnershipsemployment centers, shopping, and other amenities more with a number of local and regional organizations. Some of these, such as the Departments of Environmental Quality, Healthdesirable as people strive to reduce driving distances and and Welfare, Valley Regional Transit, and city and highwayexpenses. The 30th Street area in Boise is one neighborhood districts, and county governments are members of COMPASS;being planned with that in mind. The city of Boise has developed others, such as Idaho Housing and Finance Association (IHFA),a 30th Street Area Master Plan in cooperation with the Ada Sustainable Community Connections of Idaho, Boise City/AdaCounty Highway District (ACHD), neighborhood members, and County Housing Association, and Idaho Power representother stakeholders. The development area is expected to include new mixed-use activity centers, new housing, employment, andshopping opportunities. Kathleen Lacy, project coordinator for Currently, there are many different plans developed for thethe city of Boise on the project said this type of development area: transportation, housing, economic development, andis definitely a trend for the future of Boise. Lacey said the city’s more. Amy Luft, communication coordinator for COMPASSnew Comprehensive Plan sets a 20 to 25 year vision for policies, said the Communities in Motion transportation plan will pullgoals, and objectives for development. The plan includes mixed- together all the interrelated elements so that they will function TH DEWEY ERO GRACE CLITH 30th Street Plan VINE IRENE Proposed Land Use Map Amendments 30th Street Plan ER 27 th OV RA BELLA CL Land Use Map Use Map Amendment 30th St. Land Amendment RIVIE HAZEL ST AT Commercial The city of Boise has developed a 30th Street Commercial RI E VI HERON Mixed Use Area Master Plan in cooperation with the Ada ER A LEMP Mixed Use Open Space County Highway District (ACHD), neighborhood SE DA EL RO RE VI JO S LI Open Space Features Major Water members, and other stakeholders. ED S RD AM GO AN 30th St. Project Boundary nd HARRISON S Major Water Features 32 O DI The development area is expected to include st NG Street Centerlines 31 15TH 30th St.CLASS Boundary Project th new mixed-use activity centers, new housing, 30 STREET th 29 W HESTER INTERSTATE employment, and shopping opportunities. ILL th 8 Street Centerlines OW STEWART ROSS 2 PRINCIPAL ARTERIAL BA R REGAN InterstateARTERIAL MINOR 28 th th WOODLAWN RURAL ARTERIAL Principal Arterial 37 29 th th RESSEGUIE MAJOR COLLECTOR 36 th Minor Arterial LOCAL 35 MADISON th Local 30 th 29 th 28 th 27 th 34 JEFFERSON ST AT E TH BANNOCK 30 th IDAHO MAIN FAIRVIEW Created by the Comprehensive Planning Division Boise Planning and Development Services Department ! Created by the Comprehensive Planning Division March 11, 20094 November Boise Planning and Development Services Department March 11, 2009 Downtown
  5. 5. Market Trends …continued from cover “To me it is important to realize that there can’t be one model, or a national model, of what sustainableas one cohesive system. That is, transportation will be planned communities means because it will be different in everyin light of needs relating to housing, economic development, region. It is an issue communities need to deal withlocal food systems, etc., and vice versa. As an example, the plan locally, based on the resources available to them.”will address the issue of low- and moderate-income housing, – Pat Barclay, Executive Director, Idaho Council onits relationship to job centers, and the need for an adequate Industry and the Environment, Boisetransportation system to get those individuals to and from work. “A sustainable community is a community practicingLuft said, “To truly be sustainable, all long-range planning needs sustainable living and development. This is ato be conducted in light of other issues. For example, we want community that is reproducing its population and usingto make sure plans for increased transit coincide with plans for resources in a way that meets the community’s currentaffordable housing. The goal for the partnerships is to ensure needs while preserving the environment so that thesethat all planning is happening with an awareness of what others needs can continue to be met in the future.”are doing and what their needs are.” – Joe Herring, President, Region IV DevelopmentA similar group of partners is also working together to prepare Association, Twin FallsState Street/State Highway 44 from the capitol to Middleton to “The concept of sustainable communities provides forfunction as a multi-modal corridor, supporting several modes consistent continuity and growth in a community.of transportation such as cars, buses, walking, and biking If developed correctly sustainable communities providewith equitable, affordable housing options and accessible for consistency in every economic environment.”employment. The group will be exploring funding options, – Darsi Johnson, Acting Chair, Pocatello Developmentincluding possible grants such as the Community Challenge Authority Commission, PocatelloGrant offered by the U.S. Department of Housing and Urban “It’s about municipalities planning together to determineDevelopment (HUD), to help with funding for the project. growth by cities and regions. If we look at land useMatt Stoll, executive director of COMPASS said, “In order for planning, economic development, and housing as a subsetour region to be sustainable into the future, the many types of of land use planning all together, from a government andlong-range plans developed for the area need to complement business aspect, we’ll overcome barriers we have today andeach other and be designed to work together. My hope is create a solid infrastructure for future growth.”that the relationships we are cultivating will lead to more – Karl Dye, Executive Director, Bonner Countycoordinated planning.” Economic Development Corporation, Sandpoint nEven though these newly coordinated planning efforts arejust beginning, important partnerships are being formedand steps are being taken to address the critical housing andtransportation needs of sustainability in Idaho communities. n Building Practices …continued from page 3 Attention to the reduction of waste and importance of recycling began long before residents moved in. During the construction process, the team worked to reduce waste and reuse and recycle materials whenever possible. At Cardona, 99.5% of construction waste was diverted from landfills. Only one small truckload of non-recyclable products was taken to the landfill. Waste also was reduced through the implementation of panelized construction, where pre-engineered wall sections are produced in factory-controlled conditions and then shipped to the construction site. Building materials that contributed to healthier indoor environments were used whenever possible on the projects. Processes like those practiced in the design and PROJECT AREA construction of these homes and apartments help to ensure that residents will have efficient and long- lasting places to live, creating sustainability for future residents. “Hopefully in years to come our sustainable The corridor highlighted above is the focus of the decisions will repay themselves many times over Community Planning Association of Southwest when water rates increase and electrical rates rise,” Idaho’s (COMPASS) efforts to create a cohesive Cunningham said. n plan for sustainable communities. Cornerstones 5
  6. 6. Focus: Industry Innovators Planning for Growth Harmoniously When we think of fast paced growth in Idaho, She said the Teton Valley presented some challenges in designing Teton Valley may not be the first thing that comes sustainable developments due to old ordinances and restrictions to mind, but it has been one of the fastest growing such as parking requirements, street widths, and population areas in Idaho. According to the U.S. Census Bureau; density restrictions. Jennifer and her team have worked with from 2000 to 2009 the population of Teton County officials in the cities of Driggs and Victor as well as Teton County increased over 55%. Located on the west slope of the to change some of the restrictions to accommodate the innovative Teton Mountain Range and bordered on three sides by designs and needs of sustainable, conservative developments. mountains; the valley’s natural resources and quality of life are the things driving growth in the area. These are also the very things Engineers at Harmony Design & Engineering strive to integrate that made Jennifer Zung fall in love with the area while visiting the projects they work on with the surrounding landscape, taking friends in 2003. The small town and friendliness of its people, the a holistic approach. The team completed the site plan for the mountains, the public lands and recreational opportunities, and 105-acre Redtail residential neighborhood two miles east of Driggs. the fresh air all enticed her into moving to Idaho. But it was the Through the use of conservation principals they helped preserve growth, and its impact to the environment, that spurred Jennifer wetlands, vegetation, wildlife habitat, and floodplain areas. into starting Harmony Design & Engineering in Driggs. The development consists of 25 residential home sites and 27 estate cabins; all the cabins are Leadership in Energy and Environmental Design (LEED) “The motivation ... was to create an for Homes certified. engineering firm that specialized in Harmony Design & Engineering is also the land planner, civil engineer, and LEED consultant for building things that work with our 100 North Eco Park, a 67-acre light industrial environment, in harmony, and thus and residential project incorporating green building, smart growth, and traditional help us to grow in a sustainable way.” neighborhood design. Zung describes traditional — Jennifer Zung, Principal of neighborhood design as ‘how neighborhoods Harmony Design & Engineering were laid out before we were so auto dependent’; this traditional design includes narrower streets, walking access, and live/work buildings that have Jennifer said she loves to design and create things and majored businesses on the ground floor and residences above. 100 NorthRedtail photos courtesy of Harmony Design & Engineering; portrait by Gabe Rogel. in civil engineering because she wanted to eventually become an Eco-Park was a LEED for Neighborhood Development pilot project. architect. “I later discovered that I really liked civil engineering and water resources in particular,” she said. “I was attracted to water Other projects Zung is proud to be a part of include Trail resource issues because of how important water is to life; to our Creek Crossing, a six-acre, mixed-use development with lives and to the life of our planet.” Jennifer has a M.S. in Hydrologic traditional neighborhood design, walking access to businesses Science and Engineering and a B.S. in Civil Engineering. She is a in the development and downtown Victor, and alternative registered Professional Engineer in Colorado, Wyoming, and Idaho. transportation. She is also very excited about the Red Barn She has provided civil engineering services for commercial and project; an 80-acre residential development in Driggs focused on residential developments in Northern Colorado, Wyoming, and environmental sustainability, social responsibility, diversity, safety, Idaho; and directed sanitation and water supply projects in the and the creation of a healthy and friendly neighborhood. Red Philippines as a U.S. Peace Corp volunteer. With over 16 years in Barn includes a five-acre community park that provides public the civil engineering and water resources field she started Harmony access to the scenic Teton Creek as well as storm water retention Design & Engineering in 2005 and received the Idaho Business and floodplain protection. Woman of the year award in 2008. Zung is a LEED Accredited Professional, sits on the board of Central to Harmony Design & Engineering’s core mission is directors for the Smart Growth Coalition of Fremont County, the to provide professional engineering and planning services board of directors for Teton Valley Community Recycling, and is a that respect and protect our natural world; focusing on low- member of the Driggs Design Review Advisory Committee. With impact, environmentally sensitive solutions to help build better her vast experience, she often presents at planning meetings and communities. Jennifer’s partner and spouse, Randy Blough, seminars. Zung said, “The motivation behind starting Harmony spearheads the planning piece. Jennifer said, “This fits well into Design & Engineering was to create an engineering firm that our mission since all pieces of sustainability (social, environmental, specialized in building things that work with our environment, and economic) tie into how our communities are developed.” in harmony, and thus help us to grow in a sustainable way.” n 6 November
  7. 7. IHFA News: New DevelopmentsHousing Developments StatewideIdaho Housing and Finance Association adjacent to the development is also Hemmert, CEO of SEICAA. “If it wasn’t(IHFA) has administered funding for providing much-needed housing; and for the HOME dollars that go into the a community center at the development construction process, we wouldn’t be ablethe creation of more affordable housing will provide a gathering place for tenants to offer this program.” SEICAA has plansthroughout the state. Low-Income and will allow area organizations to to begin construction on five more homes provide outreach services. within the next six months.Housing Tax Credits provide a dollar- Eastern Idaho Community Action Borrowers must be first-time homebuyersfor-dollar federal tax liability reduction Partnership (EICAP), USDA Rural and take a homebuyer educationto the development’s equity investors, Development, and IHFA worked together class to qualify. SEICAA also requires to assure the need for affordable housing its homebuyers to complete incomeand the HOME program is another management and foreclosure prevention was met in this rural community. “Wesource of funding for housing for appreciate the way IHFA and USDA classes, and put at least 50 hours perlower-income residents. Here’s a look have worked with us to get this complex person of sweat equity into their home completed,” said Russ Spain, executive by helping with things such as clean-up,at some of the developments currently director of EICAP. painting, or other construction processes.under construction throughout Idaho.Kathy Reed House, Coeur d’AleneConstruction is underway at the KathyReed house in Coeur d’Alene. This 37-unit development will provide housingfor elderly residents who make less than50% of area median income (AMI), andwill help to fill a need in the area. “Thecommunity has been very accepting andis excited about it,” said Jeff Conroy,executive director of St. Vincent de Paul,the sponsor of the project. Completion isanticipated in spring 2011.The project is funded by $1.4 million Home completed by PNHS.from IHFA HOME funds and $3.4 millionfrom HUD. Goodale & Barbieri Co. is the Infill Projects, Pocatellodevelopment consultant. In the past two years, two Southeastern Idaho Community Housing Development Organizations (CHDOs) have built and A homeowner and her family enjoy their new home built by SEICAA. sold more than 20 units of single-family housing throughout the area to qualified Pocatello Neighborhood Housing homebuyers with the help of funding Services (PNHS) has been adding from the federal HOME program, which approximately seven homes per year to is administered by IHFA. Borrowers who the community for the past 15 years. qualify for these homes must obtain a For the last two years HOME has helped mortgage in the amount for which they fund this construction. “When there’s a qualify; then HOME provides a zero vacant lot or a dilapidated structure in percent, due-on-sale loan to fund the cost a neighborhood, that’s where we build of the home above the borrower’s loan. a new house,” said Mark Dahlquist, The CHDOs apply for HOME funds by executive director of PNHS. “ThatLakeview Family Apartments submitting a project application to build allows us to provide dual benefits— a minimum of four units. If awarded building affordable housing, but alsoLakeview Family Apartments, Roberts HOME funds, they then find and qualify helping to revitalize Pocatello’s olderResidents began moving in to Lakeview prospective homeowners. To date neighborhoods.” PNHS works to buildFamily Apartments, a new 23-unit Southeastern Idaho Community Action homes that will work for their borrowerscomplex in Roberts, Idaho in late August. Agency (SEICAA) has completed and long-term and that fit well within theThis development is helping to meet the sold six homes in Pocatello, two each in existing neighborhoods.need for affordable housing for workers in Soda Springs and Inkom, and one each Borrowers purchasing homes throughthe large agricultural industry throughout in Preston and Malad. “Our borrowers these programs must meet specificthe area. An existing eight-unit complex are absolutely thrilled,” said Deb income qualifications n Cornerstones 7
  8. 8. IHFA News: Programs and ServicesPrograms and Services UpdatesHome Partnership Foundation and The Housing Company Idaho Housing and Finance Association Will HoldReceive Award Recognition Fall Compliance WorkshopsPacific Northwest Regional Council of National Association of Idaho Housing and Finance Association will hold its annualHousing and Redevelopment Officials (NAHRO) presented the fall/winter workshop series on Section 8 and Tax Credit/HOMEHome Partnership Foundation and The Housing Company, Compliance at various locations statewide in November andbrought to you by Idaho December. Two tracks willHousing and Finance be offered this year: one forAssociation, with two regional on-site managers and oneawards. The Administration for owners and managementInnovation Award of agents. Discussion items willExcellence was awarded for include recent HUD updatesthe creation of the Home and changes, policies andPartnership Foundation procedures, common areasand the Community of noncompliance, solutionsRevitalization award was for correcting errors, andawarded for the Whitman. much more. WorkshopsThe award process evaluated will be held in Boise, Idahoapplications from housing Falls, and Coeur d’Alene. To register visit,authorities and community click on Housing Compliancedevelopment entities in in the left navigation, thenOregon, Washington, Idaho, Project Based Section 8, thenand Alaska. Julie Williams, IHFA’s senior vice president, accepts the regional awards from Register for ComplianceWe are also pleased to NAHRO on behalf of the Foundation and The Housing Company. Workshops.announce that IHFA was putinto the running for the National Award of Merit with What is IHFA’s Mission?NARHO and has received the National NAHRO Agency Award IHFA recently updated its mission statement to reflect theof Excellence for the creation of the Home Partnership company’s business activities statewide. The mission is:Foundation and will be recognized for the achievement in Idaho Housing and Finance Association improves livesNovember. Only 23 Award of Excellence winners will be and strengthens Idaho communities by expandingrecognized nationwide. housing opportunities, building self sufficiency, and fostering economic development.Home Partnership Foundation Receives To learn more about the important programs and services offeredSeveral New Grants by the Association, please visit Home Partnership Foundation has been awarded grants fromthe following organizations to help further its important mission IHFA named one of the ‘Best Places to Work’ in Idahoof helping people build a strong foundation for their lives IHFA was named one of the “Best Places to Work” in Idaho bythrough stable, safe, and affordable housing: the Idaho Business Review. The program, now in its third year,n The Steele-Reese Foundation awarded a $30,000 grant to is co-sponsored by the Idaho support homelessness prevention for rural Idaho families Business Review, POPULUS, and statewide. Price Associates. The honoredn AmericanWest Bank awarded a $2,500 contribution to support companies are recognized for homelessness prevention in north Idaho. These funds are strong workplace environments being directed by St. Vincent de Paul North Idaho, allowing that demonstrate best practices them to help more families on the brink of homelessness in employee attraction and through the H.E.L.P Center in Coeur d’Alene. retention. IHFA ranked seventhn U.S. Bancorp Foundation awarded a $2,000 grant to support out of 43 companies competing, self sufficiency and asset building. and excelled in the following categories: employee engagement,To learn more about the Foundation or make a donation, please training and development,visit, or call 208-424-7010. and satisfaction with job and company. Top honors were determined through employer reports and comprehensive employee surveys. n8 November
  9. 9. IHFA News: Personal Story Achieving a Lifelong Dream Through Hard Work and a Little Help Along the Way A Twin Falls woman working to achieve her dream of becoming a nurse is determined to show her daughter that through hard work, goals are achievable. Michelle, a Family Self-Sufficiency (FSS) participant in IHFA’s Twin Falls branch office, has been awarded a continuing education scholarship of $1,000 annually for up to four years from the Pacific Northwest Chapter of the National Association of Housing and Redevelopment Officials (NAHRO) that will allow her to continue to work toward her nursing degree at the College of Southern Idaho. In her scholarship application essay, Michelle described how the words normal, ordinary, and simple have ceased to be part of her life. Between attending classes full-time, studying, her work as a Certified Nursing Assistant (CNA), and keeping up with a busy 9-year-old, it’s easy to see that Michelle’s days are full. “I know there will be challenges ahead, but I will get there,” she wrote in her scholarship application essay. “I will fulfill my dream of becoming a nurse no matter how big Michelle and her daughter the challenges.” This dream is especially important to her Idaho Housing and Finance Association independence. “When I began the FSS because she knows what it will mean to her sponsored Michelle’s scholarship program I was in debt with my credit card family. “My daughter is really proud, and application, and the Home Partnership and bills, but it has helped me budget is always telling everybody that her mom’s Foundation, brought to you by IHFA, my finances every month and reduce my going to be a nurse,” Michelle said. contributed an additional $250 toward debt,” Michelle said. She now has money her education in the first year of the saved for emergencies, and plans to be scholarship. Eligible participants in low- debt-free by the time she’s done with“When I began the FSS program income housing programs in NAHRO’s school. As part of FSS, funds from theI was in debt with my credit Pacific Northwest region, which includes U.S. Department of Housing and Urban Idaho, Oregon, Washington, and Alaska, Development are placed in an interest-card and bills, but it has helped applied for the scholarship. Recipients bearing escrow account, which growsme budget my finances every of the scholarship must have been out based on the increased earned income of high school for at least four years, from the participant. Upon completionmonth and reduce my debt.” of the program, the participant may must have a high school diploma or —Michelle GED, and must be pursuing education at use the escrow account to help pay for education or homeownership costs. a university, college, trade, or specialty Michelle’s caseworker Cindy Garcia is school. The scholarship winner must be a Her mother is also happy to see her confident that Michelle’s determination full-time student and maintain a 2.5 GPA. daughter pursuing her nursing degree. will help her reach her goal, “She keeps “My mom has always wanted to go to Michelle joined the FSS program soon after focused on what she wants and even school, but she never got the chance to,” she began participating in IHFA’s Section 8 when she has a bump in the road she Michelle said. Despite the challenges she Housing Choice Voucher program in tackles that obstacle,” Garcia said. faces, she knows all the hard work will 2008. The FSS program is a voluntary Currently 214 people are enrolled in the be worth it when she achieves her RN program open to voucher recipients that FSS program in IHFA’s branch offices, degree, and no longer has to live paycheck helps Idaho households learn to take located in Twin Falls, Idaho Falls, to paycheck. control of their lives and achieve financial Lewiston, and Coeur d’Alene. n Cornerstones 9
  10. 10. IHFA News: EventsCommunity Involvement StatewideAs part of Idaho Housing and Finance which was held in Idaho for the first Women’s Council of REALTORS® time in three years. IHFA networked (WCR) Breakfast – BoiseAssociation’s (IHFA) commitment with over 150 mortgage lenders andto the community we participate IHFA sponsored the Capital City housing industry professionals and chapter of the WCR’s monthlyin numerous events statewide. fostered many partnerships. breakfast meeting and networkedWhenever possible, IHFA’s staff Ada County Association of REALTORS® with nearly 100 REALTORS® and othernetworks with stakeholders interested industry professionals in attendance. (ACAR) Golf Tournament – Eagle IHFA’s Homeownership Lendingin expanding housing opportunities, IHFA sponsored this 14th annual Stan Business Development Officer Cindy Thomas Memorial ACAR Give-Back Golfbuilding self sufficiency, and fostering Bengal provided a presentation on Tournament. Funds raised during theeconomic development. We discuss IdaMortgage’s programs and services. event were used to support Life’s Kitchen.important programs, including IHFA networked with over 150 area Housing Coordination Roundtables – REALTORS® and other housing industryIdaMortgage,, Statewide professionals.housing counseling, Finally Home! ® Five cities served as location sites for these forums, which are hostedHomebuyer Education, Section by IHFA, and are open to local8 Rental Assistance, Multifamily and regional housing stakeholdersDevelopment, Family Self-Sufficiency, and interested parties. Attendees discussed housing issues relevant toEconomic Development Bonds, and their community including federalthe Home Partnership Foundation programs, statewide initiatives, fundingwith event attendees. Recent IHFA availability, the Home Partnership Foundation, and legislation affectingevents include: participating organizations.Working Women’s Symposium – Food Drive – StatewidePocatello IHFA’s staff stepped up to supportIHFA participated alongside a variety of families in need throughout Idaho. Inarea businesses during the exposition total the staff collected the equivalentheld in conjunction with this fifth annual REALTORS® enjoy Stan Thomas Memorial ACAR of 5,114 pounds of food or just overevent hosted by the Idaho Small Business Give-Back Golf Tournament 59.34 pounds per employee, which wasDevelopment Center. IHFA was able tonetwork with over 150 attendees from R.A.C.E. for Success Expo – Nampa donated to Foodbanks throughoutthe Pocatello area. IHFA participated alongside over 150 area the state. businesses at this resource and career expoIdaho Association of REALTORS® South Central Community Action designed to provide a “one-stop” locationConference – Boise of information to support individuals Partnership (SCCAP) – Twin FallsIHFA participated at this annual event and families in transition. More than 500 IHFA participated with over 60as a major conference sponsor. IHFA individuals attended. nonprofit and financial organizationsalso participated alongside 20 vendors as a vendor at this fourth annualduring the event’s tradeshow providing event. The event was held to providenetworking opportunities with more than information about services available to200 housing industry professionals. low-income individuals and families across the Magic Valley. EducationIdaho Association of Counties (IAC) on homeownership and financialAnnual Conference – Boise management with credit and debtIHFA participated alongside 30 area counseling was the events focus. Morebusinesses who exhibited at IAC’s three- than 2,000 individuals annual conference. During the event,IHFA networked with over 200 county Caldwell Chamber of Commerce’selected officials. Buckaroo Breakfast – Caldwell IHFA provided a day sponsorship toPacific Northwest Mortgage Lender’s this annual event. IHFA had an exclusiveConference – Boise information table during the event andIHFA provided a platinum level Hundreds attended the R.A.C.E. for Success resource and networked with more than 300 areasponsorship for this annual event, career expo. businesspeople. ...continued on page 1110 November
  11. 11. Community Involvement...continued from page 10IdaMortgage REALTOR® AppreciationLuncheon – Idaho FallsTop IdaMortgage REALTORS® in theIdaho Falls area were honored by IHFAduring this event held biennially. Homebuyer Education ClassesMore than 65 REALTORS® enjoyedthe “STARS” IdaMortgage awards Classes are specifically designed forluncheon presentation saluting top area first-time homebuyers and are taughtREALTORS®. Top recognition awards throughout the state by regionalwere presented to Marcus Hopkins of training partners. Contact the locationWinStar Realty who received the gold nearest you for class schedules oraward, Julie Winn of Century 21 High Top recognition award winners at IdaMortgage REALTOR® Appreciation Luncheon, Idaho Falls. From left to right go to and follow theDesert who received the silver award, homebuyer education links. Susan Semba IHFA’s homeownership lending director,and Launie Shelman of WinStar Realty Marcus Hopkins, Launie Shelman, and Julie Winn.who received the bronze award. n Regional Training Partner Locations:Look for IHFA in your community at various events as listed below. Benewah, Kootenai, and Shoshone Counties: Coeur d’Alene Association of REALTORS ®, 208-667-0664 Bonner and Boundary Counties: Bonner Calendar of Events Community Housing Agency; registration is handled by the Selkirk Association of REALTORS ® at 208-265-2227. Boise/Meridian/Nampa/McCall: Neighborhood Housing Services, Inc., 208-343-4065, or visit December Caldwell: Caldwell Board of REALTORS ®,10/31-2 National Association of Housing and 11/30-4 National League of Cities 2010 Congress of 208-459-3301 Redevelopment Officials (NAHRO) 2010 Cities and Exposition, Denver, CO, National Conference, Reno, NV, Idaho Falls: Greater Idaho Falls Association 202-626-3000 877-866-8476 of REALTORS ®, 208-523-1477 (English and 1 Section 8 Compliance Workshop, Boise, 1 Tax Credit/HOME Compliance Workshop, 208-331-4733 Spanish classes available) Coeur d’Alene, 208-331-4733 2 Tax Credit/HOME Compliance Workshop, Lewiston: Community Action Partnership, 2 Section 8 Compliance Workshop, Boise, 208-331-4733 208-746-3351 Coeur d’Alene, 208-331-4733 2 Budget-Based Rent Increase Compliance 3 Budget-Based Rent Increase Compliance Workshop, Boise, 208-331-4733 Pocatello: Pocatello Neighborhood Housing Workshop, Coeur d’Alene, 208-331-4733 3 Tax Credit/HOME Compliance Workshop, Services, 208-232-9468 3-7 Women’s Council of REALTORS ® National Coeur d’Alene, 208-331-4733 Twin Falls: College of Southern Idaho, Conference, New Orleans, LA, 800-245-8512 1-3 Housing Assistance Council (HAC) 2010 208-732-6442, or email 5-8 National Association of REALTORS ® (NAR) National Rural Housing Conference, 2010 REALTORS ® Conference and Expo, (English and Spanish classes available) Washington, D.C., 202-842-8600 New Orleans, LA, 800-874-6500 15 Idaho Affordable Housing Management Finally Home!® Online: The Finally Home!® 11 Veterans Day, IHFA Offices Closed Association (AHMA) Board Meeting, Boise, Homebuyer Education course is offered online 15 Tax Credit/HOME Compliance Workshop, 208-947-2592 and is available in English and Spanish. Cost is Idaho Falls, 208-331-4733 24 Christmas Eve, IHFA Offices Closed $50 at 16 Section 8 Compliance Workshop, Idaho Falls, 208-331-4733 January 2011 17 Budget-Based Rent Increase Compliance 9-14 National Council of State Housing Agencies Workshop, Idaho Falls, 208-331-4733 (NCSHA) 2011 HFA Institute, 17 Idaho Affordable Housing Management Washington, D.C., 202-624-7710 Association (AHMA) Board Meeting, Boise, 12-15 National Association of Home Builders (NAHB) 208-947-2592 International Builders’ Show, Orlando, FL, 18 Idaho Real Estate Commission (IREC) 800-368-5242 Meeting, Boise, 208-334-3285 20 Idaho Real Estate Commission (IREC) Meeting,25-26 Thanksgiving, IHFA Offices Closed Boise, 208-334-3285 30 Section 8 Compliance Workshop, Boise, 26 Annual statewide homeless 208-331-4733 Point-in-Time Count Cornerstones 11 Cornerstones