NHSIE selects Kailin Scott as their new CEO/Executive Director
FOR IMMEDIATE RELEASE:
NHSIE selects Kailin Scott as their new CEO/Executive Director
January 9, 2023
As of January 1, 2023, it is with great pleasure that I announce that the Board of Directors of Neighborhood Housing Services of the Inland Empire has unanimously selected Kailin Scott as our Chief Executive Officer. During her tenure at NHSIE, Kailin has been instrumental in guiding NHSIE through a successful NeighborWorks’ Prompt Review and has been responsible for implementing the 2022- 2025 strategic plan which will focus our priorities as an innovative leader in the community. While these efforts would not have been possible without the hard work of our dedicated staff, it is Kailin who built a culture to refocus our organization by strengthening existing partnerships and forming new collaborations with stakeholders who share our vision.
Kailin has gone above and beyond while serving as the agency’s Interim Director over the past nine months. She has provided stability during a transition, led our organization’s rebranding campaign that has proven to strengthen our position as a trusted partner in building wealth, providing services that increase both housing stability and homeownership among families in the Inland Empire, and created a productive and positive workplace culture. Kailin is a committed daughter of the Inland Empire, proven leader in the space of social services and community impact, and a true champion for NHSIE and its mission.
As an Inland Empire native, Kailin Scott has established a deep connection with this region. She is a long-time resident of Murrieta who went on to earn a bachelor’s degree from Cal Baptist University and an MBA from La Sierra University. Her education and her connection to our area of service have prepared her for this moment.
Kailin has over a decade of experience, both professionally and as a volunteer, building and maintaining long-standing connections to community-based organizations in both Riverside and San Bernardino Counties. Committed to powerful and lasting civic outcomes, Kailin has dedicated her career towards helping to provide opportunities for development and progress which are available to everyone in need. Prior to NHSIE, Kailin did this via educational advocacy through the Center for Community and Social Impact powered by Pacific Oaks College in Pasadena, CA. She has now set her sights on the affordable housing industry, prompting a message of housing as a foundational necessity for any form of social support to be truly impactful.
We are excited and energized for the opportunity to encourage NHSIE’s new era of impact led by Kailin Scott. Please join me in congratulating Kailin as we look forward to supporting her in the years ahead. On behalf of the board and staff, we thank you for your continued partnership and investment in NHSIE.
Sincerely,
Jon MacDonald, NHSIE Board President
NHSIE
1845 S. Business Center Drive Suite 120
San Bernardino, CA 92408
www.nhsie.org
909.884.6891
Neighborhood Housing Services of the Inland Empire (NHSIE) is a non-profit organization that provides housing counseling, lending and realty resources, and homeownership and financial education. We are dedicated to creating homeownership opportunities, bridging the housing
First Foundation Awards $450,000 to Nonprofits through Its ‘Supporting Our Communities’ Grant Program
By Tyler Resh,
January 20, 2022 07:00 AM Eastern Standard Time
IRVINE, Calif.–(BUSINESS WIRE)–First Foundation Inc. (NASDAQ: FFWM) (“First Foundation”), a financial services company with two wholly-owned operating subsidiaries, First Foundation Advisors and First Foundation Bank, today announced the recipients of its ‘Supporting Our Communities’ philanthropy initiative.
“The strategic guidance and professional services our employees provide help nonprofits further their programs that we believe will create the types of communities we all hope to live in and take pride in.”
In its ninth year, First Foundation continues to build the legacy of its philanthropy programs through an expanded Supporting Our Communities initiative that includes grants for organizations that are working on the community development pillars of affordable housing, work force development, community service, economic development, and entrepreneurship.
“We are thrilled to continue our ‘Supporting Our Communities’ initiative this year and gain more nonprofit and community partners throughout our regions,” said Scott F. Kavanaugh. “As we grow we always want to stay close to our founding principle of remaining connected to the communities in which we live and serve, and develop meaningful relationships with these wonderful partners who are helping when it matters most.”
The goal of the program is to drive community growth and sustainability in low- and moderate-income communities through small business development, entrepreneurship, access to affordable housing, and financial literacy education.
This year’s list of nonprofit recipients was compiled to include thirty organizations that are focused on causes important to First Foundation. More than half of the grants were selected based on specific programmatic requirements that will fund programs and services in the community.
Read the Full Article Here:
Advocates Push to Save Renters from Evictions - Precinct Reporter Group News
By Dianne Anderson
With the holidays just weeks away, some Inland Empire renters worry that they’re almost out the door under eviction notices from the end of the moratorium on September 30.
But if the renter’s paperwork is in order, the most their landlords can do is huff and puff. They can not evict.
Felicia Brown-Smith said there has been a lot of confusion about the process.
As of October 1, tenants may get a pay or quit notice, but landlords must apply to the California COVID-19 rent relief program before they can evict. She said her organization is seeing more landlords trying to apply regarding the COVID-19 related unpaid rent.
“For lack of a better term – they can harass people – they can give them a pay or quit, but even if they give the notice to pay or quit, they will not be able to legally evict you without first applying to the program,” said Brown-Smith, CEO and Executive Director at Neighborhood Housing Services of the Inland Empire.
And, if landlords try any other unscrupulous moves, like shutting off utilities or blocking access rather than going through the court process, they can also face stiff fines.
NHSIE housing advisors are standing by to assist renters and set up appointments, inform them of their rights, what they qualify for, and go over the documents they need to protect themselves.
They will call back all callers.
Until recently, San Bernardino County was running a program that allowed applications through the county for eviction relief, while others were applying through the state. It was announced last week that everyone now must go through the state to submit applications
“That’s awesome because it’s going to streamline the process and help people not get so confused,” Brown-Smith said.
Rental assistance is available, and NHSIE has been canvassing and setting up tables and booths for community outreach. Both renters and landlords can apply, and their program is partnering with the state.
Last week, she said that her housing counselors were booked full with a big uptick in calls for help.
“There were so many people looking for assistance. I would definitely encourage people to give us a call. If they transportation or health issues, we’ll go into the community to meet with them to ensure they get the help that they need,” she said.
San Bernardino County Fifth District Supervisor Joe Baca Jr. is also encouraging residents to take advantage of the State’s grace period through March 31, 2022, to help avoid evictions.
“I encourage residents throughout the Fifth District communities to apply for renter’s assistance available through various state organizations. The Fifth District has residents who may need such assistance. These resources would help our community prevent an eviction cliff that could have seen thousands of renters out on the street and a complete disruption of California’s recovery from the COVID-19 pandemic,” he said.
In the meantime, many renters were already pipelined to evictions pre-pandemic, and homelessness may be around the corner.
Congregations Organized for Prophetic Engagement (COPE) is calling on state and local elected leaders to do more to prevent widespread evictions and homelessness.
“Our communities have suffered the highest job loss and COVID infection rates and have experienced an alarming and disproportionate loss of life, as well as being hit hardest by our state’s ongoing housing crisis,” COPE said in a statement.
COPE is partnering with Housing Now CA, a coalition of over 60 organizations, to promote legislation to fight rent increases and unjust evictions.
Felicia Jones, associate director of COPE, said that civic leaders must move on rapid re-housing measures for people now facing eviction, but may not get assistance in time. Resources are available now to get people into affordable housing, but she said it requires political will.
One example is how the Los Angeles County Board of Supervisors adopted the Accessory Dwelling Unit Ordinance, smaller detached units, to workaround housing access issues. Recently, COPE held a rental assistance town hall focused on moving policy ahead by working with city officials and local representatives.
She is concerned for thousands of disproportionately Black and Brown renters that were in the eviction pipeline before the moratorium and is still at risk.
“Those will now move forward. They may have been eligible for rental assistance, but all of this requires landlord cooperation,” she said. “There have been concerns about people’s rights being violated.”
COPE is willing to work with city and county officials to push alternative housing and temporary living solutions, such as ADU’s, as well as reevaluating local zoning to help long-term affordable housing availability, she said.
“We need our civic leaders talking to the community and housing justice advocates in advising those issues. Those solutions can and should come in partnership with the community,” Jones said.
Sonya Gray-Hunn said that when tenants are evicted or pushed out of their housing, the rent caps and controls come off, and rental units soar up to market-rate rent, which also depletes the fair housing supply.
Worse, she said many tenants never received their rent funding to pay their landlords. Renters are supposed to be protected until March 2022, but she finds other serious factors to consider.
“The renters are either not receiving the funds [to pay the rent], or the landlords don’t want to wait on the funds,” said Gray-Hunn, COPE program coordinator. “How do we hold our city and county supervisors accountable to provide a solution?
Some landlords are not accepting the funds, and many low-income renters will not be able to find affordable market-rate housing.
“If a landlord refuses the funding, how do we [prevent] a family from becoming homeless? Where’s the safety net that the city is putting in place for the residents waiting on the allocated funds?” she said.
For local help with rent or evictions, contact NHSIE at https://www.nhsie.org or call (909) 884 6891
For COPE community action, see https://copesite.org
For the statewide application process, visit HousingIsKey.com or call (833) 430-2122.
Rep. Aguilar Announces $777,000 for Inland Empire Housing Services
Rep. Pete Aguilar announced that Neighborhood Housing Services of the Inland Empire (NHSIE) received $273,122 and Neighborhood Partnership Housing Services, Inc. (NPHS) received $504,450 in federal grant funding from NeighborWorks America through its Housing Stability Counseling Program (HSCP). NeighborWorks is a congressionally-chartered and funded nonprofit created to help address affordable housing issues.
“In Congress, one of my top priorities is addressing the affordable housing crisis in the Inland Empire and throughout California. This funding will help homeowners and families access housing counseling and other key resources to make sure more families in our community can achieve and sustain the dream of homeownership,” said Rep. Aguilar.
“We are appreciative of the support of Congressman Aguilar as we continue our work of providing the tools needed to help preserve homeownership and housing stability in the Inland Empire. Now, more than ever, the pandemic and social inequities have highlighted the health and economic challenges faced by many families in our communities. As a HUD-Approved Housing Counseling Agency, we will use this award to support the delivery of housing counseling services for those community members who are facing housing instability due to eviction, default, foreclosure, or loss of income,” said Felicia Brown-Smith, Executive Director/CEO of NHSIE.
“The Housing Stability Counseling Grant will play a critical role in elevating NPHS’ comprehensive foreclosure intervention counseling efforts,” said Clemente Mojica, NPHS CEO. “With thousands of families in our region falling behind on their mortgage due to the COVID-19 pandemic’s unemployment effects, we are doing everything in our power to keep families in their homes and avoid foreclosure.”
Aguilar serves on the House Appropriations Housing and Urban Development Subcommittee, the subcommittee that oversees federal funding for agencies like NeighborWorks.
ICYMI: Aguilar Hosts Roundtable on Emergency Rent Assistance Programs
Press Release
ICYMI: Aguilar Hosts Roundtable on Emergency Rent Assistance Programs
On Wednesday, August 18th, Rep. Pete Aguilar hosted a virtual roundtable meeting with Inland Empire nonprofit partners, local government officials and federal housing experts to provide information on emergency rental assistance programs available to San Bernardino County residents. As part of the American Rescue Plan, Congressional Democrats and the White House secured over $21 billion in direct rent and utility assistance funding to be distributed by state and local governments. Wednesday’s roundtable focused on providing residents with the information needed to access these funds.
Watch video here!
SCAG Announces Grant Awards to Promote Affordable Housing and Equitable Growth Strategies
PRESS RELEASE MARCH 24, 2021
The Southern California Association of Governments (SCAG) announced grant awards totaling $1.25 million to 15 nonprofits and community-based organizations to promote equitable growth strategies.
SCAG is dedicating $1 million of Regional Early Action Planning (REAP) grant funds toward the program, with additional funding from the California Community Foundation (CCF), the Chan Zuckerberg Initiative and the Irvine Foundation.
The Call for Collaboration program is part of SCAG’s ongoing commitment to combat racism, social injustice and an equity gap that has reached historic levels.
Read the full PRESS RELEASE: SCAG Announced Grant Awards
Questions to Ask Your Realtor When Shopping for a Home
Searching for, locating, and purchasing a new home can be a very rewarding and exciting process. However, at times the process can also be equally stressful. To curb some of this stress you will want to team up with and utilize a professional realtor. This realtor will not only help you navigate the different steps of purchasing your desired home, but professional realtors are also a great resource to field questions and elevate concerns. During the home shopping process, there are several questions you should make sure to ask your realtor. The most vital of these questions are explored in more detail below.
DO YOU KNOW OF A TRUSTED REALTOR?
No, this isn’t a question to ask your realtor once you have begun the home buying process, but it is a question you can ask your friends and family. Likely someone in your inner circle is either close friends with a realtor or has previously worked alongside a realtor to close on a home.
Start by calling and conducting a small interview on any recommended realtors asking them how long they have been a licensed realtor, how many transactions they do a year, and what cities or communities do they know well. It is recommended to interview three different realtors and then move forward with the realtor who works best for you and your family.
It can be a stressful journey so you want to work with professionals who are knowledgeable, trustworthy, and communicate well. If your friends and family are recommending a particular realtor then you will most likely trust them more than someone you found by default.
WHY IS THE OWNER SELLING THE PROPERTY?
This is an important question to ask your realtor because their answer can reveal if there are any immediate problems facing the home. Is the owner selling because they are taking a new job elsewhere, or are they simply looking to get rid of the property? Once you realize the owner’s motivations, you may be able to better determine if the property will be a good suit for you and your needs. While asking your realtor this question, you may also want to ask about the seller’s length of residency on the property.
WHAT IS THE PROPERTY WORTH & IS THE LISTING PRICE FIRM?
Asking your realtor about the price of a property and its overall worth may at first seem blunt or rude. However, your realtor is there for you to utilize, and since they will most likely have extended knowledge about other properties in the area they can give you a solid estimate of the property’s value. Make sure to ask your realtor about the ‘high’ and ‘low’ end of property values in the surrounding neighborhood. Using these comparables you will be able to make an educated offer on the property. Asking if a seller is willing to negotiate is also a good way to judge how much room you have to work within your offer.
HOW OFTEN HAS THE PROPERTY SOLD IN THE PAST?
If a home has frequently passed from owner to owner in the past this may be a sign that there are major problems with the home. These problems could relate to the actual home, the location, or your potential new neighbors. If your agent reveals that your potential home has sold multiple times in the past few years, you should ask them why they believe this is the case. Asking your agent, how long the home has been on the market is also another way to gauge if there are any major problems with the home and the overall demand for homes in the area.
HOW MUCH ARE THE PROPERTY TAXES ON THE HOME?
Knowing the actual price of your mortgage and if you can qualify for a loan is one thing. But, as you get closer and more serious about purchasing a property you will most likely also want to know about any additional costs you will face. Property taxes and utility bills are common expenses your realtor should be able to assist you with estimating. You will also want to anticipate the various homeowner association fees and any special circumstances such as mello-roos or other special taxes. Your realtor should also be able to assist you with estimating major repairs that may need to be completed on the property. For example, the property’s slate tile roof life expectancy.
HAS THE SELLER RECENTLY COMPLETED WORK ON THE PROPERTY
Asking your realtor this question will allow you to evaluate just how great the seller was at keeping up with the property. Was a lot of work done right before putting the house on the market? Or has the owner always kept up with the home and its various components? The repairs your real estate agent is familiar with could be anything from the installation of new garage door trim to the removal of harmful pests from the property.
ENJOY HOME SHOPPING!
When home shopping, it is important to remember that your real estate agent is there to help you. They are the best source for fielding questions you may have about the property, its history, and its seller. Receiving answers to these questions will allow you to better evaluate the property and your desire to move forward with the home buying process.
Skylar Ross is a contributor to the Innovative Materials blog. He is a content writer for the construction and home improvement industries with an interest in landscaping, outdoor remodeling, and interior design. Skylar is focused on educating homeowners, contractors, and architects on innovative materials and methods of construction that increase property value, improve sustainability, and create a warm and welcoming ambiance.
Eat, Drink, & Spend—It's Not Helping
Lack of money is driving more people to overdrink, or rack up more credit card debt, or both in the past year.
It’s not unusual in these pandemic times, and can even lift the spirits, momentarily.
Dean Chambers, a clinical therapist and consultant, said indulgences can take many forms, like overspending, overeating and over-drinking. But that instant gratification is bad in the long run.
“It’s a psychological impulse when people are stressed, especially when we are depressed,” said Chambers, who was recently featured as part of the African American Health Coalition “Express Yourself Beautiful Black Man” series. The event was a cultural competency presentation for the Black Mental health series covering racial and mental health disparities.
Chambers is concerned about what comes after COVID-19. Post Traumatic Stress Disorder is chronic within the Black community, yet he thinks the emotional fallout of COVID-19 is still to come.
By itself, the virus is a psychological drain worldwide. For the Black community, however, the pandemic is just one of many crises.
“A lot of us are so used to trauma from the police, we’re used to gun violence. We’re so used to dealing with stress that COVID comes along and we’re like – this is not good but I’ll just keep doing what I’m doing, surviving because I’ve survived all this other stuff,” he said.
One way to deal with high stress is nature. Research shows that nature is an emotional boost, but he heard one Black psychologist describe how he never sees Black people when he’s out on the trails.
It’s probably for a good reason.
“Nature really is a source of a lot of trauma for us. You couldn’t walk in the woods if you’re Black. We associate being isolated in nature. It’s deep in our psyche, it’s trauma at the DNA level,” said Chambers, a critical care manager with Alameda County Behavioral Health Care Services.
Statewide, several good free resources are available. Locally, the African American Health Coalition is a clearinghouse of information with referrals for services.
He also likes the free 12-Step Programs held in most cities and counties for any addictions. Connecting in group setting offer supportive relationships, as well as webinars to access group therapy.
He said it can act as a springboard out of isolation and lead to individual therapy.
“People are at their worst when they’re sliding,” he said. “A lot of times with alcohol or substance abuse, with COVID they are isolated. I would love to see more pulling people together in our communities to talk about it in groups.”
Dealing with stress is driving some folks to drink more, while others turn to credit cards for “retail therapy” or just keep the lights on, but it’s like digging a hole that’s hard to get out of.
Last month, the Bureau of Labor Statistics reported that unemployment is running double for Blacks at 9.6% joblessness compared to whites at 5.4%.
Other reports, including Pew Research Center recently highlighted just how hard the pandemic has hit the community. Of those impacted, lower-income and Black adults are more likely to have taken on more debt or put off paying their bills to cover lost wages or salary.
“About six-in-ten Black and Hispanic adults (61% each) say they will use a majority of the money to pay for bills or essentials, compared with 48% of White adults and 51% of Asian adults. White and Asian adults are more likely than Black and Hispanic adults to say they will save it (24% and 28% vs. 16% and 15% respectively),” the report said.
Felicia Brown-Smith said her non-profit HUD-approved counseling agency can help.
The Neighborhood Housing Services of the Inland Empire is also part of the local partner network offering emergency rental assistance, and funding allocated to help pay for past-due utilities.
Because bad credit scores are linked to so many day-to-day dealings, she said a low FICO score can cost hundreds of dollars more to get into an apartment.
“If they are able to get into a rental at all, not to mention that if there are certain things on your credit, [such as] utility bills posted to your account, and collections,” said Brown-Smith, Executive Director and CEO of NHSIE.
Recently, she launched easy access financial fitness classes so the community can learn to improve their credit score, avoid predatory lenders or high interest rates on quick money.
“We know some of the more predatory lenders target our community. Talk about high interest rates, not just credit cards, but payday loans and pay advances when they get their taxes done,” she said.
NHSIE’s online financial classes are as easy as having a cell phone, and offers resources, tools and credit coaches. They have letter templates for those that deal with a judgment, or guidance on negotiating a payoff.
“One of the things that’s ingrained with the class is how to deal with some of these issues. It’s also something that we address in our homebuyer education classes that deal with money management and the use of credit,” she said.
As tax deadlines draw near, consumers should watch out for outrageous fees charged for immediate or next-day return deposits. If the community realized how much more fast money costs, such as with payday loans, she feels they would think twice, and wait a little longer.
In the months ahead, she wants work with other like-minded groups, churches and organizations so the community can get a better grip on their finances.
“The concern for all of us in this space is really how fast can we reach out to them to help them to participate, particularly since they’re already in a challenging situation,” she said.
For more information on credit resources help, see https://www.nhsie.org/all-learning
To watch the Beautiful Black Man session, see www.theaamhc.org
Help For Low to Moderate Income Homebuyers
By Dianne Anderson
In these tight money times, two of the biggest hurdles for first-time homebuyers are qualifying for financing, and getting enough money to start the home-buying process.
Felicia Brown-Smith said the local Neighborhood Housing Services of the Inland Empire (NHSIE) helps with both.
Their nonprofit is paving the way to close the wealth gap by leading their first-time homebuyers through a plethora of programs and resources.
She said they want to push for more affordable housing to support the local workforce.
“These are people who are working who have a family, but not able to afford a home, they need some assistance to get in. Those may be 80-120% of the area’s median income. We want to have the opportunity to make sure they have what they need,” said Felicia Brown-Smith, Executive Director and CEO of NHSIE.
NHSIE provides $10,000 for down payment assistance or closing costs, first mortgage loans, assists with helping clients find a property, and provides the financial education they need to be a successful homeowner.
And getting around the greed factor behind the lack of affordable housing requires vision.
In the past several years, Brown-Smith has watched investors come into the community and buy up properties to cut big profits. Those properties are then converted into rentals with rent pumped up to the highest point that they can get.
“It perpetuates the cycle for lower-income residents mostly in communities of color, and they’re being pushed out,” she said. “NHSIE wants to make sure they have wealth-building opportunities for their families and wealth for future generations in a home that they can call their own.”
It’s also not unusual for the community to pay over half of their income on rent, but owning a starter home is often less expensive than renting. She said their organization works closely with new homebuyers to learn how to sustain what is considered for many the biggest investment of a lifetime.
“We value financial education at NHSIE because we want our community members to succeed in homeownership,” she said. “We have realty and lending, we provide financial fitness classes.”
Brown-Smith moved into her new position at NHSIE within one of the hardest economic times in history. The current tight housing supply means affordable inventory is scarce, as well as a lack of resources and finances.
“There are disparities in the communities that we serve and around the COVID pandemic that all have to be addressed. I believe we’ll come out of this. I’m optimistic despite some of the challenges that I’m seeing in the market,” she said.
Brown-Smith also educates policymakers, legislators, and the federal level about the need to develop local affordable housing solutions.
She said that financing choices are available for low to moderate-income buyers and communities of color to get innovative affordable housing opportunities. Some buyers may be able to access affordable housing alternatives, like lower-cost standalone manufactured homes.
At this time renters cannot be evicted, which is good, but she said mom and pop landlords are taking the hit. Many are unable to pay their mortgages while their renters are not paying some or all of their rent.
NHSIE is also looking to work with those landlords as well. They may want to sell their properties and move on to another investment, and in turn, NHSIE could purchase the properties to sell back to the community at an affordable price.
“Building is still going on, but it’s not an affordable price point. We would aim to work with mom and pop landlords if they wanted to sell, we would explore potentially purchasing that property,” she said.
Overall, for communities of color, she feels housing remains one of the best wealth-building tools around.
“It is the best way to escape some of the societal ills, whether that’s poverty, or not living in safe communities, or have great schools, it’s often how people are able to move up (after resale),” she said.
Program support comes from recent grant funding, $394,500 from NeighborWorks America, which will help boost efforts to create innovative affordable housing opportunities for low and moderate-income neighborhoods. Recently announced by Rep. Pete Aguilar, the funding is part of a $680,000 award, with $295,000 also allocated to Neighborhood Partnership Housing Services, Inc. to support affordable housing programs in the Inland Empire.
“Our nonprofit partners like NPHS and NHSIE play huge roles in making sure San Bernardino County families have access to the affordable housing and community resources they need to succeed. I’m proud to support these types of federal funding initiatives to make sure organizations like these can continue to offer these programs,” said Aguilar.
For more information, see https://www.nhsie.org
Aguilar Announces Over $680,000 for Inland Empire Affordable Housing Programs
March 9, 2021 Press Release
Rep. Pete Aguilar announced that Neighborhood Partnership Housing Services, Inc. (NPHS) has received a $295,000 grant and Neighborhood Housing Services of the Inland Empire (NHSIE) has received a grant of $394,500 from NeighborWorks America, a congressionally-chartered nonprofit organization. NPHS and NHSIE are local nonprofit organizations that work to help San Bernardino County residents access affordable housing, neighborhood revitalization projects, community wealth-building initiatives and services for small businesses.