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25 years of NeighborWorks Columbus

NeighborWorks Columbus is officially 25 years old this year! We are proud to be part of a community of supporters who value safe, fit, and affordable housing. From day 1, we have had a great team, and in the past quarter of a century, with your support, we have been able to make big strides in expanding affordable housing. We hope you’ll enjoy this look back at the milestones you have made possible in our community’s history:

Seeds planted

Two years before NeighborWorks Columbus was formed as an organization, our CEO Cathy Williams was invited to a Chamber of Commerce inner city tour. This trip is done annually and typically takes community leaders to another city to gain new ideas and insights. But in 1997, Councilwoman Evelyn Turner Pugh suggested the Chamber tour Columbus, and thus, “The Good, The Bad, and The Ugly Tour” took place around our city.

As part of that, the group went on a bus tour of what was then known as the “South Lawyers Lane neighborhood.” It was bad–so bad that in 1989 Dateline NBC dubbed the corner of 9th and Benner Street as the “most dangerous corner in the country.” This was quite an eye-opening experience, Cathy said.

Seeds watered

After this experience, the City Manager asked Cathy and Amy (Carroll) Moore to co-chair a housing focus group and study the issues. After one year, they presented their recommendations:

  1. Start a nonprofit
  2. Establish a consortium line of credit
  3. Draft a message that it is unacceptable to have substandard housing in our city.

The City Manager then said, “Go do it.” Thus, Cathy left her job at the Homebuilders Association and formed the Columbus Housing Initiative (which became NeighborWorks Columbus in 2004).

Garden is in bloom!

With generous funding from an anonymous donor, our work began in 1999.

The first task the city asked the nonprofit to do was to revitalize South Lawyers Lane. In surveying residents for that work, one of the first things we learned was that residents called their neighborhood East Wynnton Park.

East Wynnton Park

We rebranded it. We worked individually with an architect and residents to design the look of their homes and created a community garden. The work of NeighborWorks Columbus really started in East Wynnton Park. Over the course of time spent there, we built 51 homes! EWP was no longer defined by its deficiencies; rather it was a place of opportunity and hope. In December of 2003, the U.S. Department of Housing and Urban Development (HUD) named East Wynnton Park a “Best in American Living” neighborhood. It had become a Neighborhood of Choice.

Milestone Moments

It is worth noting that from the start, our homeownership model, Avenues to Homeownership, has stayed the same at its heart: we walk with individuals seeking homes through each step of the process. This includes financial counseling, homeownership education, securing affordable loans, down payment assistance options where possible, and a relationship that even extends beyond the closing table. The goal is not just putting people in a house–but creating successful lifelong homeowners. This is the core of what NeighborWorks Columbus does each day.

Columbus Cottage Program

From the beginning of our history, NeighborWorks Columbus has had a version of the Columbus Cottage Program. Began as a partnership with Jordan Vocational High School’s Construction Program, Students Housing Seniors, this life-changing program has given back to senior citizens in our community by taking substandard homes they already owned and building them a new home in its place. This has given 9 senior citizens in our community the ability to age in place with dignity in their own homes.

Beallwood

In 2005, we transitioned out of working in East Wynnton Park and moved into the Beallwood community. Over the years, NeighborWorks Columbus worked closely with the community to build several single family, duplexes, and cottages for our residents. Many of the homes that were originally built to be sold, had to be rented when the housing market crashed in 2008. Over time, we have sold all these rental properties to homeowners in a neighborhood that is truly a unique and wonderful place to call home.

Hallock Soldier’s Fund

In 2007, the Hallock Soldier’s Fund was established in memory of Colonel Richard Hallock to help soldiers and their families achieve the American dream of homeownership. This fund offers down payment assistance, low-interest loans and matching incentives to help soldiers and their families become successful homeowners. Through the years, 142 have benefited from the Hallock Soldiers Fund.

Solstice

In partnership with The Bennett Group, NeighborWorks Columbus built Solstice, a community in Auburn, Alabama for low-income senior citizens. The community features 28 duplex units in a beautiful, ideally located neighborhood.

North Highland Developments

In 2019, we began our third neighborhood revitalization effort in partnership with so many partners. The North Highland community was once a thriving neighborhood, but when the mill shut down, it left its residents impoverished. Our efforts resulted in two big developments in this region: Highland Terrace and Highland Homes.

Highland Terrace

Highland Terrace is a beautiful apartment complex housing 102 low-income senior citizens in North Highland. It is located next to Fox Elementary School, on the site of the former Meritas Mills location.

Highland Homes on 4th

This new subdivision was built along 4th Avenue on the block between 35th and 38th Streets. The 20 new homes have been purchased by former residents of the Ralston Towers, mothers working at Wal-Mart, doctors, and military families. It’s truly a unique and diverse neighborhood in the beautiful Mill District.

Elliott’s Walk

This brings us to today. NeighborWorks Columbus started work on Elliott’s Walk, bringing new affordable housing to South Columbus for the first time in 50 years. Last year, we built 19 new single-family homes, which have all been sold. The second phase of 26 homes is under construction now. Once that is completed, we will build a 130-unit low-income senior housing at Elliott’s Walk called Providence Pointe.

Truly, it’s been an honor to work with this community for the past 25 years.

Cheers to the next quarter of a century! Thank you for helping us give this community safe, fit, and affordable housing for all citizens of low to moderate income.

07/10/2024

Filed Under: Uncategorized Tagged With: affordable housing, affordable housing columbus ga, columbus ga, homeownership columbus ga, neighborworks columbus

Making student loan debt work for you

Having to pay back student loans is undeniably frustrating, but believe it or not, there’s an upside: Student loans can help your credit if you pay them back on time.

Student loans are considered a “good” type of credit, and therefore if you make your payments on time they can greatly improve your FICO credit score. On the flipside, defaulting on your student loans or failing to pay on time can quickly send your credit score spiraling in the wrong direction.

There are many factors at play when it comes to student loans, though, and we plan to address them in greater detail at our upcoming Financial Fitness class Oct. 17 at 6 p.m.

For one, if you have public student loans, there are more options when it comes to making your payments.

Defferals and Forbearances

If you are unable to pay for a period of time, your loan company may allow your loan to be deferred or go into forbearance.

A deferral is when you don’t have to pay back your loan for a specified period of time but do have to make payments on the interest that accrues during that time. “For example, if you have a $10,000 student loan in deferral, you do not have to pay any of that $10,000 back. You may, however, still have to pay interest that accrues on the loan. If the loan carries 5% interest, you may still have to pay for this interest – in this case, about $41.67 per month,” according to moneycrashers.com.

A forbearance is made on a case-by-case basis and will allow you to hold off on making payments on your loan or interest payments for a set period of time.

Neither of these situations will harm your credit, but they may affect your chances of getting approved for a mortgage loan.

Income-Based Repayment

Public loans are also eligible for income-based repayment plans, meaning the payment amount is based on how much money you make. Enrolling in these programs also do not hurt your credit score; the most important thing is just to make those payments.

If you’ve made late payments or defaulted on your student loans, don’t worry! NeighborWorks Columbus is here to help.

Join us on Oct. 17 at 6 p.m. in our office (345 6th Street), and where we’ll discuss all this information in greater detail and go over solutions with you.

 

 

 

Filed Under: Blog, Financial Tips Tagged With: affordable housing, columbus ga, credit, help with student loans, mortgage loans, neighborworks columbus, paying student loans, student loans

Success Story: Giving Back to Veterans

Shortly after separating from the military, U.S Marine and Vietnam War Veteran Horace Jackson started his career as a master barber at Fort Benning with his wife, Maggie and three children.  For over 30 years, Jackson coiffed over 100,000 aspiring infantrymen at the military base.

Things took a turn for Horace when he  gradually began losing sight in both eyes and was forced to retire.  Luckily, Maggie was by his side every step of way as his eyes and confidante.  Maggie feverishly looked for resources to assist her husband and to rid their home of hazardous conditions – the 1970s ranch style home was plagued with a cracking driveway, uneven sidewalks/flooring and broken steps.

Through NeighborWorks Columbus, the couple received approximately $20,000 for repairs from the Veterans Homeowner Rehabilitation Program, and Home Depot Foundation to make the home accessible, safe and energy efficient.

Recently at their closing, they learned that House of Heroes had selected their home for minor repairs with an honor ceremony recognizing the former LCpl Horace Jackson for his service to God, his country and his family.

* Names and identifying details have been changed to protect the privacy of individuals.

Filed Under: Blog, Success Story Tagged With: affordable housing, columbus ga, home rehab, neighborworks columbus, veteran housing

Success Story: Section 8 to Homeownership

Carneshia Burston was a woman on a mission.

As a single mother of four, Carneshia knew early on that it was ‘on her’ to provide a way of life and a solid foundation for her children. Armed with determination and a steady income, Carneshia completed the homebuyer education course through the Section 8 to HomeOwnership Program”, a collaboration between NeighborWorks and the Housing Authority of Columbus.

Carneshia closed on her three bedroom, two bath, home that her children helped pick out. Ms. Burston has become an unofficial spokesperson for NeighborWorks, recommending the Homebuyer Education program to her friends, one of whom has recently closed on her home too.

Ms. Carneshia Burston is proof that determination and diligence makes dreams come true.

Filed Under: Blog, Success Story Tagged With: affordable housing columbus ga, neighborworks columbus, path to homeownership, section 8, success story

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NeighborWorks® Columbus
345 Sixth Street
Columbus, GA 31901
706.324.HOME (4663)
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NeighborWorks Columbus is a Georgia Residential Mortgage Licensee #18557 NMLS #168384