1

The Definition of 2013Community

Report

Idaho Housing and Finance Association improves lives and strengthens Idaho communities by expanding housing opportunities, building self-sufficiency, and fostering economic development.

Table of Contents

1 Welcome: Success Stories Are Worth Sharing

2 Revive: A Little Help Goes a Long Way

5 Grow: IHFA and Small Businesses Are a Perfect Match

7 Collaborate: Working Together Works for Idahoans

10 Thrive: More than Mere Survival

13 Persevere: Achieving Success Through Difficult Times

16 Highlights: An Overview of Important Achievements

2013Community

Report

1

Success Stories Are Worth SharingLike all parents, Myndi and Shawn have a pretty simple goal.

“We want a better life for our children than we had,” Myndi said. Reaching that

goal, though, hasn’t been so simple for the Rathdrum couple, but they’re well

on their way.

Once deep in debt with no idea how to get out, they now have a savings account

and a budget. Once unable to pay their rent, they’re now self-sufficient home-

owners. Once overwhelmed because they felt like they didn’t have a future,

“Now the possibilities are limitless,” Myndi said.

And it’s all because of a lot of hard work, discipline, and a little help from

the Family Self-Sufficiency and the Homeownership Promotes Economic

Stability programs. Not to mention encouragement from Idaho Housing and

Finance Association counselors. “The counselor provided the rock of accountability,

the ear of understanding, and the voice of encouragement we needed to become

debt free and financially stable,” Myndi said.

Over the past year, IHFA had the unique privilege to share in the achievements

of thousands of our Idaho neighbors like Myndi and Shawn.

A record 4,490 Idahoans took the keys to their first home last year. Thousands more

saved theirs from the brink of foreclosure. Veterans, seniors, the disadvantaged,

and the homeless found safe, stable, places to live. Once-struggling communities

stabilized. Small businesses built new facilities, added employees, and helped boost

our state’s economic recovery.

The list of accomplishments over the past year is as long as it is diverse, and IHFA

is proud that we had the opportunity to contribute.

None of it would have been possible without the strong leadership of our board of

commissioners, the dedication of our employees, and the tireless efforts of our loyal

partners around the state. Their support of IHFA is critical to our mission to improve

the lives of Idahoans.

Thank you all for sharing in a successful year.

David F. Wilson Gerald M. Hunter Board Chairman President and Executive Director

4,490Idahoans becamehomeowners in

FY 2013.

A Little Help Goes a Long Way Caldwell Family Achieves Dream of Homeownership

Kayce and Miguel are the epitome of success when it comes to finding stability in their lives. These parents of three young children have been working to be tied to community for some time. First they established Miguel’s permanent U.S. residency and then began

thinking about a home. With a lot of hard work and just a little help, they were able

to find a home five years sooner than expected.

“It has meant the world to us to have a place to call our own and grow our roots as a

family,” Kayce said. “When we started looking at homes we thought for sure it would

take three to five years before we were financially ready to purchase.”

Learning about the Neighborhood Stability Program 3 (NSP3) from Ivan Castillo, a

real estate consultant with Keller Williams The Castle Group, changed that. When

Ivan was introduced to Kayce and Miguel he knew they were perfect candidates for

the program. “NSP3 allows hard-working individuals like Kayce and Miguel some

additional financial stability to get them into a decent home,” Castillo said. “They

are now sitting in a good equity position, and since the NSP3 assistance is recycled

into the program it will continue to help others like Kayce and Miguel.”

$3.8M in NSP3 funds have revitalized Canyon County.

2

The Housing and Urban Development’s (HUD) NSP3 represents a third round

of funding to provide emergency assistance to stabilize targeted neighborhoods

whose viability has been damaged by the economic effects of properties that have

been foreclosed or abandoned. The funding allows grant recipients to purchase

and rehabilitate homes and resell them to eligible homebuyers.

IHFA administers the NSP3 funding for Idaho. Of the $5 million IHFA is administering

in NSP3 funds, $4 million has been expended through grant recipients. Forty-one

families have been able to purchase a home because of NSP3. AutumnGold Senior

Services is one of the grant recipients that manage the program in Canyon County,

where Kayce and Miguel live.

According to Whitney Urrutia, project coordinator with AutumnGold, this program

is good for not only the homeowners but the neighborhood and community.

“This program allows us to put houses back on the market at affordable prices,

which encourages people in the home to take care of the property,” Urrutia said.

“In general, when a home is occupied and being taken care of, the value goes up

and the reflection on the neighborhood is better as a whole.”

Kayce and Miguel visit with Whitney Urrutia, project coordinator with AutumnGold.

41families own

their own homes because of

NSP3.

3

IHFA has administered

$37 millionin NSP funding

since 2010.

Kayce and Miguel watch their children at play.

4

The program has even been a little boost to the economy. “We have hired another

person to help with this program, and contractors stay busy with the home

rehabilitation efforts,” Urrutia said.

To be eligible for the program, homeowners must meet income requirements, have

a maximum debt-to-income ratio of 43 percent, complete a homebuyer education

course, and invest a minimum of $500 into the home purchase. The program helps

buyers by providing them homeownership assistance that can be used toward a

financial gap, principal and interest write-downs, or closing costs.

“If it wasn’t for this assistance, we never would have been able to purchase this home

at this time. The home means everything to us. We have made sure the kids know it

is ours and it has instilled a sense of pride in ownership in them even at their young

ages,” Kayce said. “They have enjoyed choosing items for their rooms, especially our

first-grader.”

IHFA and Small Businesses Are a Perfect Match North Idaho Business Builds New Tennis Facility

Long, cold winters and chilly, wet springs can make it tough on tennis players in North Idaho. When Mother Nature serves up a snowstorm,

a place to play indoors becomes an especially hot commodity.

Nobody knows that better than Gary Retter, managing partner of Peak Health and

Wellness Center, a group of three athletic clubs in Coeur d’Alene, Hayden, and Post

Falls. The sport’s popularity in North Idaho means club members, high school teams,

the Special Olympics, and city programs compete for time on his club’s indoor courts,

the only two in the region. “We’ve always had 250 tennis members and because of

court availability we’ve never been able to grow that,” Retter said.

That’s about to change.

Retter and his three partners — Jack Tawney, Chip Althen, and Jim Doty — used the

Idaho Collateral Support Program (CSP) to help build a new 45,000-square-foot

facility. Called Peak Tennis in Hayden, it will have five courts and is expected to

partially open in November.

Since its inception in 2011, the Idaho CSP has helped small businesses in Idaho

like Retter’s, build and expand facilities, buy new equipment, and add employees.

It does so by providing cash deposits that help businesses enhance collateral

and qualify for financing.

5

The Idaho CSP has

facilitated$83M in private

lending.

grow \ gro \ v 1 : to increase in size : 2 : to cause to develop or flourish

6

So far, Idaho’s $13.2 million allocation from the Department of Treasury has helped

create or retain more than 1,000 jobs and supported more than $83 million in private

lending. In the program’s first five years, it’s expected that it will generate at least

$130 million in private lending and help create more than 1,500 jobs.

Retter said he plans to hire from 12 to 15 new staff members to operate the $5 million

facility. Among the amenities in the state-of-the art complex: a group fitness studio,

saunas and steam rooms, locker rooms, a pro shop, a large social area, and plenty of

room for spectators. “When you look at a lot of clubs that are built they don’t really

have the room for (spectators),” Retter said. "This one will have views into every court.”

Retter said using the Idaho CSP was a good way to help his business grow and

continue to serve as a resource for the community. “It worked out great,” Retter

said. “We’ve always been a community hub.”

The Idaho CSP ranks in the top 10 state programs based on the percentage of funds

expended or committed. IHFA was one of the first five organizations nationwide to

fully commit its program monies, and it did so eight months sooner than projected.

Being ahead of schedule has allowed IHFA to more quickly recycle the program’s

funds, which will ultimately benefit more qualified borrowers. So far, more than a

$1 million has been put back into the Idaho CSP.

Idaho CSP has created or

retained more than

1,000 jobssince 2011.

The $5 million tennis facility in Hayden will hire a dozen or more new employees.

7

Working Together Works for Idahoans Partnerships Prevent Homelessness

The economic upheaval of the past few years took its toll on Idaho families. Few know that better than the organizations that serve the state’s homeless and most vulnerable. The challenges these groups

face are even more acute because economic woes often mean the demand for their

services increases at a time when resources dwindle.

Despite the difficulties, low-income families and those experiencing temporary

financial setbacks still have a place to turn thanks to Idaho Housing and Finance

Association and a strong network of housing service providers.

In fiscal year 2013, IHFA donated $450,000 for direct homeless prevention and

emergency shelter activities through the Home Partnership Foundation, which was

created in 2005 to increase affordable housing resources and support Idaho nonprofit

housing service providers. The money was used by IHFA’s 27 partners throughout the

state that provide direct client services. IHFA also acts as an intermediary for these

organizations to allow them to access federal Continuum of Care grants.

“Providing safe, stable, housing for Idaho families is an important part of IHFA’s

mission, and partnerships with service providers around the state makes us all

successful,” said IHFA President Gerald M. Hunter.

The HomePartnershipFoundation

donated $450,000 for homeless

prevention and shelter.

8

SCCAP assists about

30,000Idahoans

each year.

Leanne Trappen prepares food boxes for distribution at SCCAP’s food pantry.

For South Central Community Action Partnership (SCCAP), this support and

cooperation has been essential in helping people in the Twin Falls area.

“Our success is primarily due to the support that we receive from IHFA,” said

Ken J. Robinette, the executive director of SCCAP.

Each year, Robinette’s organization touches the lives of about 30,000 people, some

of whom receive multiple services. SCCAP’s programs cover just about every need in

Twin Falls, Cassia, Jerome, Gooding, Lincoln, Camas, Blaine, and Minidoka counties.

“We have programs starting from homelessness through homeownership,” said

Leanne Trappen, SCCAP’s community services director. “It’s really nice that people

have recognized our efforts and the good that we do in the community.”

SCCAP’s efforts run the gamut. The organization helps people in the Magic Valley

with food, utilities, weatherization, energy-conservation, transportation, medication,

education, emergency services, financial management, and of course, housing.

“If they’re not stably housed, it’s hard to address any of those other things,” Trappen

said. … “Part of our mission is to try to eliminate gaps in services so that we are

connecting people where they need to be.”

9

Ken Robinette discusses SCCAP operations with Deanna Ward, director of development for the Home Partnership Foundation.

The Home Partnership

Foundation works with 27 partners

statewide.

As the largest nonprofit in the region, SCCAP is an anchor and a valuable resource

for other nonprofit service providers in the area.

“We may not have the (direct or financial) resources to help them, but we have the

contacts with other organizations or entities that can help,” said Robinette, who

added that SCCAP works with about 160 organizations in the area.

The need for essential services like the ones SCCAP provides is only going to

increase because there is a new population of people who need them, Robinette

said. That makes partnerships between organizations like his and IHFA even

more important.

“For the past several years so many people who were not in a situation where they

needed to seek services now have to seek services because their employment

has been cut, they’ve lost their benefits, and in many cases they’ve lost their jobs.

These were people who were stable, who did not need to rely on outside sources,”

Robinette said.

10

More Than Mere SurvivalRefinancing Saves Home During Tough Times

Kat’s determination and persistence moved her from barely surviving difficult times to flourishing. Kat, a single mother of a teenage

daughter, was laid off from her job at a cuisine management company in 2011 and

went into survival mode.

“I immediately tried to figure out how my daughter and I could get by on unemploy-

ment,” Kat said. One of the first things Kat did was look into refinancing her home

mortgage. “I saw so many things on TV about lower rates and refinancing options, so

I called my mortgage company immediately,” Kat said. “I had a hard time ever getting

ahold of someone, and when I did I felt like they were giving me the runaround.”

On the advice of a friend, Kat contacted a counselor at IHFA. “The counselor was

amazing to work with,” Kat said. “She was able to get answers from my mortgage

company that I never could.” Unfortunately the answer Kat finally received was she

could not refinance her mortgage while being unemployed. Kat already had been

looking for a job for quite some time and was beginning to run low on money.

“It was the first time I began to realize I may lose the home I love and have owned for

more than 20 years,” Kat said. After making her savings last over a year and a half, Kat

1,915 households refinanced their home loan with IHFA.

1 1

finally found a new job. She decided to move forward on refinancing her home to

help build her savings and better provide for herself and her daughter again.

Through a chain of referrals from various banks, Kat eventually met with Kerri Wattier,

a loan specialist with 1st Choice Mortgage. Kerri worked with Kat on refinancing her

loan through the Home Affordable Refinance Program (HARP). HARP is a federal

program introduced in 2009 to help underwater and near-underwater homeowners

refinance their mortgages. “Working with Kerri was amazing. She was able to

refinance my mortgage quickly and efficiently. I am saving more than $300 a month

now,” Kat said. “I was so excited. I had to give Kerri a big hug.”

1st Choice Mortgage is one of more than 300 lenders that partner with IHFA.

IHFA administers loan products, like HARP, that lenders process. Once the loan

is closed, IHFA purchases and services the loan. After Kat’s experience with her

prior mortgage servicer, she feels this is another benefit of her refinancing.

11

Kat and one of her dogs at home in Boise.

IHFA housing counselors helped

2,667 people.

12

“I really like making my payments to a local company and can go down to speak

to someone in person if I have a question on my mortgage,” Kat said. “It’s great!”

This savings has helped Kat get back on top of things and has provided a more

fulfilled life again. “My daughter is back to digging deep into my pockets. It is a

great feeling to be able to do more than just provide the bare necessities for her

again,” Kat said.

Kat took advantage of several unique services that IHFA offers: The free housing

counseling service, working with a qualified lending partner, and loan servicing

located in Idaho. Other unique products and services IHFA provides include:

Finally Home! homebuyer education, tax credits, down payment assistance, and

loans with low to no mortgage insurance.

Like Kat, these unique products and services helped IHFA thrive this past year and

throughout the recession. In fact, IHFA produced a record of nearly $730 million in

loans this past year.

FY 2013 was a record-setting

year, with

$727.7M in home loans.

0

100

200

300

400

500

600

700

$800

FY 2009

$407.1

FY 2010

$383.4

FY 2011

$325.5

FY 2012

$474.9

FY 2013

$727.7

Loan Production(in millions)

Achieving Success Through Difficult Times Idaho Couple Keeps Home Despite the Odds

Many people have unfortunately faced foreclosure and potential homelessness these past few years but some, like Susan and Billy, faced this challenge and persevered.

Susan and Billy are proud parents and grandparents who have been married and

living in a small town in eastern Idaho for more than 32 years. Billy, a military

veteran, was working full time when he began having health issues that would drop

him to the floor. “I would come home from my job at the school and find him on the

floor,” Susan said. Not knowing what was wrong, she’d rush him to the emergency

room. “I found myself needing to rush him to the hospital a few times a month and

needing to stay with him on a more consistent basis so he wouldn’t hurt himself,”

Susan said. Billy was eventually diagnosed with Ménière’s disease, which left him

disabled and unable to work.

persevere \ p rs 'vi( )r \ v 1 : continue in a course of action even in the face of difficulty or with little or no indication of success

Free housing

counseling is available to Idahoans

no matter who their mortgage

is with.

13

1 4

As if being sick and losing your job isn’t bad enough, Billy was dropped from his

health insurance when he got seriously ill and was unable to get disability for more

than three years. With Susan unable to work much because Billy needed constant

care, things were really on a downward spiral, but they were comforted to have a

place to call home. That outlook changed when their mortgage payments began

to increase due to their adjustable-rate home loan.

“I thought for sure we were going to lose our home and have no place to live,” Susan

said. At the time, their son, daughter-in-law, and two grandchildren had moved in

with them so the situation was having a ripple effect on their family. Not knowing

where to turn next, Susan listened to a friend who suggested she contact IHFA.

“I was hoping we could get into some low-income housing but was still devastated

at the thought of losing our home, the one built on land Billy’s father had left

him,” Susan said. “The thought of losing the last thing belonging to his father

was devastating.” Meeting with an IHFA counselor changed all that.

“The IHFA counselor told us about the Emergency Homeowners’ Loan Program

(EHLP) that might provide us financial assistance,” Susan said. Through IHFA,

the EHLP had provided more than $13 million in assistance to hundreds of Idaho

homeowners in jeopardy of losing their home due to job loss or some other

unforeseen circumstance.

Billy and Susan take a walk near their home in rural Idaho.IHFA

staff addressed

2,390foreclosure preventions

14

1 5

15

“I imagine IHFA helps a gazillion people, but they made us feel like we were the only

ones and treated us with such respect and importance,” Susan said. “We were really

scared and thought we were in a battle forever, but with their help we felt like we

could breathe again.” In addition to EHLP, the IHFA counselor acted as a mediator

with Susan and Billy’s lender and got them to modify their loan. With the EHLP

assistance and loan modification, Susan and Billy kept their home and could once

again afford their monthly mortgage. Although still ill, Billy is doing better now and

both are grateful to be back on steady ground.

IHFA’s counselors and their high-touch loan servicing make a huge difference

in thousands of lives every year. As demonstrated by IHFA’s foreclosure statistics,

compared with Idaho averages (see chart below), the extra time and effort working

with borrowers pays off in sustainable homeownership. This past year, IHFA was

proud to be identified in a national study as one of two home finance agencies that

outperformed all other servicing groups within the study. The noted difference

was IHFA’s high-touch servicing protocols. IHFA’s loan servicing capabilities have

also led to opportunities assisting other affordable housing organizations with

their home loan servicing, such as a new initiative with the New Mexico Mortgage

Finance Authority (MFA). IHFA earns fees for servicing certain MFA loans, which

will be used to address Idaho’s affordable housing needs.

FHA Loan Foreclosure Rate

0.5

0

1.0

1.5

2.0

2.5

3.0

3.5

• • • • • • • • • • • •Dec.2007

June2008

Dec.2008

June2009

Dec.2009

June2010

Dec.2010

June2011

Dec.2011

June2012

Dec.2012

June2013

Idaho IHFA

IHFA is one of two providers

that outperformed all other servicers

in a national study.

Sources: Mortgage Bankers Association and IHFA

Per

cen

tage

1 6

16

The following numbers provide an overview of

the work IHFA completed this past fiscal year.

Residential Mortgage Loans Idaho Housing financed 6,642 new loans to Idaho homebuyers, amounting to $722.5 million—68% of these loans went to first-time homebuyers statewide. The Down Payment Assistance 2nd Mortgage Program loans resulted in a record 1,276 loans statewide worth $5.2 million.

Record

$727.7Min home loans

IHFA Provided Housing Counseling to 2,702 Clients

Pre-purchase (113)

Post-purchase (24)

Rental housing (116)

Homelessness prevention (24)

Foreclosure prevention (2,425)

GOLD - PMS 129BLUE - PMS 3005RED - PMS 186

GOLD - 0C 16M 93Y 0KBLUE - 100C 34M 0Y 2KRED - 4C 100M 100Y 0K

SPOT COLORFLAT VERSION

PROCESS COLORGRADIENT VERSION

IHFA hosted its triennial Conference on Housing and Economic Development, bringing together more than 350 businesspeople and housing industry professionals.

1 7

The Collateral Support Program generated $83 M in private loans to small- and medium-sized businesses.

1,000 Idaho jobs were

created orretained.

Finally Home! Homebuyer EducationPARTNER LOCATION GRADUATES

Bonner Community Housing Agency Sandpoint 6

Caldwell Board of REALTORS® Caldwell 23

Coeur d’Alene Association of REALTORS® Coeur d'Alene 111

College of Southern Idaho Twin Falls 59

Greater Idaho Falls Association of REALTORS® Idaho Falls 64

Nampa Association of REALTORS® Nampa 146

Neighborhood Housing Services, Inc. Boise 151

Pocatello Neighborhood Housing Services Pocatello 120

Online Statewide 2,401

TOTAL 3,081

Finally Home!graduated its

30,000th

homebuyer.

IHFA participated in 43 industry events statewide.

IHFA Issued $47.8 Million in Bonds for Nonprofits, Transportation, and Manufacturing

Donations, Grants, and Assets by ProgramPROGRAM DONATIONS GRANTS ASSETS

Emergency Shelter and Transitional Housing $774,242 $823,308 $317,296

Homelessness Prevention $106,506 $149,689 $35,705

Self-Sufficiency and Asset Building $20,465 $12,000 $68,180

Directed Gifts $69,004 $69,004 $0

Unrestricted Gifts $11,459 $250 $23,819

Land Banking - - $524,596

Home Equity Partnership Fund - - $580,049

TOTAL: $981,676 $1,054,251 $1,549,645

Nonprofit facility bonds ($2.9 M)

Manufacturing-related bonds ($10 M)

Transportation/GARVEE ($34.9 M)

5

2

4

228 2

18

8

9

510209

REGION 1

REGION 2

REGION 5

REGION 6

REGION 4REGION 3

17

1 8

18

The Housing Choice Voucher Program Helped 3,848 Families with $15.8 Million in Rental Assistance

• • • • • 300 600 900 1,200 1,500

Coeur d’Alene

Idaho Falls

Lewiston

Twin Falls

NUMBER OF FAMILIES AIDED (TOTAL PAYMENTS)

930 ($4.2 M)

1,279($5.4 M)

836($3.4 M)

803 ($2.8 M)

Multifamily Developments Placed in ServiceDEVELOPMENT LOCATION TOTAL UNITS AFFORDABLE UNITS

Silver Hills Apartments Wallace 24 23

Seapointe Apartments Lewiston 51 50

Pioneer Square Boise 43 43

The Springs McCall 36 35

HOPE Plaza Caldwell 48 47

12th and River Senior Apartments Boise 53 52

Northwood Place Ketchum 32 31

Southwood Apartments Rupert 24 24

River Street Senior Apartments Hailey 24 23

Saturn Apartments Idaho Falls 38 38

Gracehill Senior Apartments Gooding 30 30

TOTAL 403 396

Government Stimulus Funding Administered by IHFAIHFA administers Idaho’s allocations for several federal stimulus programs that benefit people statewide.

PROGRAM FUNDS EXPENDED

Neighborhood Stabilization Program 1 $33.2M

Neighborhood Stabilization Program 3 $3.8M

Homelessness Prevention and Rapid Re-housing $149,768

Continuum of Care ServicesPROGRAM FUNDS EXPENDED

Emergency Shelter Grants $1,003,116

Supportive Housing Program $1,924,452

Housing Opportunities for Persons with AIDS/HIV* $433,113

Shelter Plus Care $368,372

TOTAL $3,729,053*$153,847 grants and $279,266 rental assistance

ICRC committed a

$675,000loan.

The Family Self-Sufficiency Program assisted 311 participants with their personal savings goals. Thirty-three graduated and four became homeowners.

The Idaho Community Reinvestment Corporation (ICRC) closed a $480,000 loan for the River Street Senior Apartments, Hailey.

The Idaho Community Reinvestment Corporation (ICRC) closed a $480,000 loan for the River Street Senior Apartments, Hailey.

IHFA housed 29 families in low-rent public housing in Idaho Falls and another 56 in Kellogg.

IHFA housed 29 families in low-rent public housing in Idaho Falls and another 56 in Kellogg.

1 9

19

$18.6 Million in HOME Program Funds* Were Allocated for 278 Units

PROGRAM ACTIVITY

Multifamily new construction

Multifamily rehabilitation (5 units)Multifamily acquisitionSingle-family new construction

Single-family down-payment assistance

CHDO Operating Assistance (1 unit)

Single-family acquisition/renovation/resale

HOME UNITS

278 TOTAL

56

11 22

81

102

The Section 8 Project-Based Rental Assistance Program helped 3,784 families pay their rent. Employees inspected 378 units.

$19.8M in funds were

expended.

REG

ION

*

1

2

3

4

651/ $837,000

102/ $1.3 M

$3.5 Million in Housing Tax Credits Allocated for 331 Housing UnitsTOTAL UNITS / HOUSING TAX CREDITS

* No credits allocated to Region 5

• • • • • • $250,000 $500,000 $750,000 $1,000,000 $1,250,000 $1,500,000

65 / $435,000

83 / $626,000

30 / $280,000

Housingidaho.comA free bilingual rental housing locator service

Number of searches 81,774

Number of visitors 28,227

Listings added in FY 2013 128

Units added in FY 2013 949

Idaho’s Housing Hotline Fielded 269 Calls and 117 E-mail Inquiries*

5

2

4

228 2

18

8

9

510209

REGION 1

REGION 2

REGION 5

REGION 6

REGION 4REGION 3

*10 calls made from unknown locations

2 0

From left: Gerald M. Hunter, Idaho Housing and Finance Association President and Executive Director; David F. Wilson, Chairman; Steven R. Keen, Vice Chairman; Darlene M. Bramon; Jack Beebe; John Insinger; Mark P. Dunham; Ralph Cottle, Secretary-Treasurer (not pictured).

20

leadership \'led r-sh ip\ n 1 : the action of leading a group of people or organization 2 : the ability to lead skillfully

Thank you for

97 combined years

of service.

Ada County Association of REALTORS® Advocates Against Family Violence, Inc.Aid for FriendsAlternatives to Violence of the PalouseAmerican Association of Service CoordinatorsAmerican Red CrossAssociation of Idaho CitiesBannock Youth FoundationBingham Crisis CenterBlackfoot Chamber of CommerceBoise Chamber of CommerceBoise State Universities MBA Mentor ProgramBonner County Homeless Task ForceBuilding Contractors AssociationBusiness Professionals AssociationCaldwell Board of REALTORS®Caldwell Chamber of CommerceCATCH of Ada CountyCATCH of Canyon CountyCLUB Inc.CLUB Inc.’s Clothes ClosetCoeur d'Alene Chamber of CommerceCommunity Development CouncilCORE, Inc.Corpus Christi HouseCrisis Center of Magic Valley, Inc.Dress for SuccessEagle Chamber of CommerceEastern Idaho Community Action PartnershipFamily Care Center, Inc.Family Promise of Lewis Clark ValleyFamily Services Alliance of Southeast IdahoHome Partnership FoundationHomeless Management Information Systemhousingidaho.comIdaho Affordable Housing Management

AssociationIdaho Association of Commerce and IndustryIdaho Association of CountiesIdaho Association of Mortgage BrokersIdaho Association of Mortgage LendersIdaho Chapter of NAHROIdaho Community Bankers AssociationIdaho Community Choices CommitteeIdaho Fair Housing ForumIdaho Falls Chamber of CommerceIdaho Falls Rescue Mission/Family Care Center

Idaho Hispanic Chamber of CommerceIdaho Main Street Partners CommitteeIdaho Nonprofit CenterIdaho Partners for Homebuyer EducationIdaho REALTORS® AssociationIdaho Rural Partnerships BoardIDAHO, Inc.Interfaith Sanctuary Housing Services, Inc.Lemhi County Crisis Intervention Lewiston-Clark Valley Chamber of CommerceMeridian Chamber of CommerceMini-Cassia Chamber of CommerceNampa Association of REALTORS® Nampa Chamber of CommerceNational Association and Housing and

Redevelopment Officials (NAHRO) National Association of Professional Mortgage

WomenNational Council of State Housing Agencies

(NCSHA)Neighborhood Housing ServicesOneida Crisis CenterOrganization Assisting the Homeless StudentPacific Northwest Regional Council of NAHROPhilanthropy NorthwestPocatello Chamber of CommercePocatello Neighborhood Housing Services, Inc.Ramp up Idaho PartnersSandpoint Chamber of CommerceSojourners’ AllianceSouth Central Community Action PartnershipSouth Eastern Idaho Community Action

AgencySt. Vincent de Paul North IdahoStatewide Bike and Pedestrian Advisory

CommitteeThe AdvocatesThe Jesse Tree of IdahoThe Salvation Army BoiseThe Salvation Army LewistonToys for Tots FoundationTwin Falls Association of REALTORS®Twin Falls Chamber of CommerceUnited WayValley Crisis CenterVictory HouseWestern Idaho Community Action Partnership

IHFA contributed

to 88 organizations

statewide.

Organizations supported by IHFA’s corporate contributions and staff volunteer efforts:

2 2

Boise Headquarters

P.O. Box 7899(565 W. Myrtle Street)Boise, ID 83707-1899

208.331.4882 • 877.438.4472

TDD Hearing Impaired: 800.545.1833, Ext. 400

Coeur d’Alene Branch

915 W. Canfield AvenueCoeur d’Alene, ID 83815

208.762.5113 • 866.621.2994

Idaho Falls Branch

506 S. Woodruff Ave.Idaho Falls, ID 83401

208.522.6002 • 866.684.3756

Lewiston Branch

215 Tenth Street, Suite 101P.O. Box 342Lewiston, ID 83501

208.743.0251 • 866.566.1727

Twin Falls Branch

844 Washington St. N., Suite 300Twin Falls, ID 83301

208.734.8531 • 866.234.3435

IHFA has been serving

Idaho’s housing needs for more than

40 years.

serve \ serv \ v 1 : to furnish professional services : provide 2 : to hold an office or position 3 : to contribute : promote