Neighborhood Housing Services of the Black Hills
Neighborhood Housing Services of the Black Hills
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About this organization
Mission
ASSIST IN PROVIDING DECENT, SAFE, AND AFFORDABLE HOUSING & REVITALIZING NEIGHBORHOODS TO IMPROVE THE QUALITY OF LIFE IN OUR COMMUNITIES.
About
CAMPAIGN FOR HOMEOWNERSHIP: UNDER THE UMBRELLA OF THE CAMPAIGN FOR HOMEOWNERSHIP, NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. HAS IMPLEMENTED PROGRAMS TO REMOVE BARRIERS THAT PREVENT POTENTIAL HOMEBUYERS FROM ACHIEVING HOMEOWNERSHIP, TO MAINTAIN THEIR HOME, AND TO STAY IN THEIR HOME. NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. IS CERTIFIED AS A HUD COUNSELING AGENCY, CERTIFIED AS A COMMUNITY HOUSING DEVELOPMENT ORGANIZATION WITH THE STATE OF SOUTH DAKOTA AND HAS ADOPTED THE NATIONAL INDUSTRY STANDARDS FOR HOMEOWNERSHIP EDUCATION AND COUNSELING. HOMEBUYER EDUCATION: POTENTIAL HOMEBUYERS ARE INTRODUCED TO THE HOME BUYING PROCESS AND THEIR PART IN IT. LOCAL PROFESSIONALS VOLUNTEER THEIR TIME TO OFFER TRAINING ON BUDGETING, CREDIT, TYPES OF LOANS, PREDATORY LENDING, HOME INSPECTIONS AND ROLES OF VARIOUS HOUSING PARTNERS. THE CLASS PROVIDES EIGHT HOURS OF INTENSIVE, INTERACTIVE HOUSING EDUCATION. HOMEBUYER COUNSELING: POTENTIAL HOMEBUYERS RECEIVE ONE-ON-ONE COUNSELING REGARDING THEIR SPECIFIC FINANCIAL SITUATIONS. COUNSELORS DISCUSS THE FINANCING OPTIONS, REVIEW CREDIT, ANSWER QUESTIONS AND DETERMINE A PLAN OF ACTION. POST-PURCHASE EDUCATION: POST-PURCHASE CLASSES ARE HANDS ON CLASSES TO ASSIST NEW AND EXISTING HOMEOWNERS IN THE MAINTENANCE OF THEIR HOME. ANNUAL ROUTINE MAINTENANCE IS DISCUSSED AT EACH CLASS, HOW TO BE A GOOD NEIGHBOR AND PREDATORY LENDING IS REVISITED. FORECLOSURE PREVENTION COUNSELING: HOMEOWNERS RECEIVE ONE-ON-ONE COUNSELING TO PREVENT FORECLOSURE, ASSISTING WITH BUDGETING AND WORKING WITH CREDITORS. CLIENTS RECEIVE COMPLETE FORECLOSURE INTERVENTION AND DEFAULT COUNSELING WITH MORTGAGE MITIGATION ASSISTANCE. FINANCIAL FITNESS EDUCATION: POTENTIAL AND EXISTING HOMEOWNERS OBTAIN FINANCIAL LITERACY KNOWLEDGE AND SKILLS IN THIS CREDIT COUNSELING CLASS. THE CLASS INCLUDES 12 HOURS OF STUDY ON SUBJECTS INCLUDING WHEN TO BORROW, USING CREDIT CARDS, DELINQUENCIES, BANKRUPTCIES AND MAINTAINING GOOD CREDIT. THE HOMEOWNERS WILL LEAVE WITH A PERSONALIZED WORKING BUDGET FOR THEIR HOUSEHOLD. LENDING: IN 2002, THE ORGANIZATION FORMED A SUBSIDIARY, NEIGHBORHOOD LENDING SERVICES, LLC TO MANAGE THE GROWING LOAN FUND PORTFOLIO. NEIGHBORHOOD LENDING SERVICES, LLC IS CERTIFIED AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) BY THE U.S. DEPARTMENT OF THE TREASURY. NEIGHBORHOOD LENDING SERVICES, LLC MAINTAINS A REVOLVING LOAN FUND. THE MAIN FOCUS OF THE REVOLVING LOAN FUND IS TO PROVIDE "DOWN PAYMENT AND CLOSING COSTS" ASSISTANCE FOR LOW- TO MODERATE-INCOME FAMILIES AND FIRST TIME HOMEBUYERS. OTHER LOAN PRODUCTS INCLUDE REHABILITATION LOANS AND PARTICIPATION LOANS WITH USDA RURAL DEVELOPMENT. THE ORGANIZATION IS ABLE TO OFFER FLEXIBLE LENDING PRODUCTS FOR LOW TO MODERATE INCOME FAMILIES. PROPERTY MANAGEMENT: NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS, INC. OWNS TWO APARTMENT BUILDINGS AND SEVEN CONDOMINIUMS TOTALING 47 RENTAL UNITS.
Interesting data from their 2019 990 filing
The filing outlines the non-profit's goal as “Assist in providing decent, safe, and affordable housing & revitalizing neighborhoods to improve the quality of life in our communities.”.
When explaining its purpose, the activities were outlined as: “Assist in providing decent, safe, and affordable housing & revitalizing neighborhoods to improve the quality of life in our communities.”.
- As per legal reporting requirements, the state of operation for the non-profit is SD.
- The non-profit's address for 2019 is listed as 795 MAIN STREET, DEADWOOD, SD, 57732 in the filing.
- As per the non-profit's form, they have 16 employees as of 2019.
- Does not operate a hospital.
- Does not operate a school.
- Does not collect art.
- Provides credit counseling.
- Does not have foreign activities.
- Is not a donor advised fund.
- Is not a private foundation.
- Expenses are greater than $1,000,000.
- Revenue is greater than $1,000,000.
- Revenue less expenses is -$145,232.
- The CEO compensation package within the organization is determined through a review and endorsement by a neutral party.
- The organization has a written policy that delegates the management duties.
- The organization has a written policy that describes how long it will retain documents.
- The organization has 10 independent voting members.
- The organization was formed in 1992.
- The organization has a written policy that addresses conflicts of interest.
- The organization is required to file Schedule B.
- The organization is required to file Schedule O.
- The organization pays $510,546 in salary, compensation, and benefits to its employees.
- The organization pays $64,678 in fundraising expenses.
- The organization provides Form 990 to its governing body.
- The organization pays grants to individuals.
- The organization has minutes of its meetings.
- The organization has a written whistleblower policy.
- The organization has grants to organizations.
- The organization's financial statements were reviewed by an accountant.
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