Achievable Dream in Homeownership through Indian Country – Mortgage Lending "Our Dream Home in reality"!

• 100% Occupancy in Apache Dawn homeownership Program
• To assist and educate our families in re-establishing their derogatory credit.
• Implement financial literacy & homebuyer education counseling for potential home buyers
• Work closely with our tenants to be mortgage ready by the 10th year – To be successful homeowners!

• A success story throughout Indian Country in the housing industry:
• Bond Financing
• Section 184 Loan Program
• Title 6 Program
• NAHASDA (Native American Housing Assistance Self Determination Act
• Bank One - Lender

Water Infrastructure Authority of Arizona (WIFA)

• Housing Authority obtained two Loans totaling $5 million to finance the construction of water and wastewater infrastructure.
• WIFA has served 317 units in our communities under the Apache Dawn Project. Total of 317 homes complete through Apache Dawn Program
• Phase 1 – 52 units
• Phase 2 – 31 units
• Phase 3 – 45 units
• Phase 4 – 100 units
• Phase 5 – 71 units
• Phase 6 – 18 units

• Income of at least $18,000.00 a year and cannot exceed 80% of the U.S. Median Income limits
• Debt ratio of 50% or less
• White Mountain Apache Tribal members have 1st preference.

• Total of 317 homes completed
• Currently occupied - 316
• Vacant units - 1
• Units Sold – Waiting on rehab for families to move in

• Full-time Student at Northland Pioneer College at the Whiteriver Center
• Maintain a 2.0 Grade Point Average
• Age 18 and above
• Eligible for Low Rent Program

• White Mountain Apache Housing Authority Receives $700,000.00 in Federal Grants to Develop Two New Resident Programs!
• Apache Dawn Homebuyer Education Program
• The new Apache Dawn Homebuyer Education Program funded by the second $350,000.00 grant has three major goals.
• 1st – It seeks to prepare Apache Dawn residents to qualify for mortgage financing in order to become homeowners
• 2nd – It aims to improve the quality of life and maintain the market values of homes in Apache Dawn subdivision by facilitating the organization of a Homeowner’s Association
• 3rd – It attempts to empower residents to improve their financial standing and achieve homeownership soon through Individual Development Accounts and related financial education courses.

Neighborhood Watch Program

• The Neighborhood Watch Program is one of the most effective ways for keeping crime out of our neighborhoods.
• We are working to set up our NBW Program to be more effective on our reservation and for our tenants.
• NBW is actively involved and working with other safety organizations on and off the reservation to be more effective.
• NBW is planning a safety fair and women’s self defense class for our tenants.

• Conduct outreach to residents to encourage involvement in Homeowners Association.
• Development of neighborhood covenants and plan to improve common areas with parks and playgrounds.

• Match Savings funds for program participants to save towards:
• down payment on homeownership
• Homeownership in Indian Country!