Data collected during the first 2 years of the NHAP evaluation included three sets of field notes: daily notes from the program director including narratives about referrals and cases, anecdotal observations and interaction with all staff including nursing and social work students, and interviews with partnering agencies and lay advocates.
These efforts engaged not only the faith community, which had also participated in the planning phase, but also one of the eventual NHAP funders, the Albany Guardian Society (AGS).
During this stage, the goal of the practitioner, in this instance NHAP, is to establish insider status by being present in the community (Moyer et al.
Of the NHAP
loans, 236 were provided to homebuyers earning between 30 and 50 percent of the area median income, 210 were provided to individuals making between 50 and 60 percent of area median income and 433 were provided to individuals with between 60 and 80 percent of median area income, DiPronio says.
Under NHAP guidelines, if a borrower's income is between 50 and 80 percent of the area median income, Norwest will match $2 for every $1 the borrower contributes, up to a maximum of $2,000.
5 million in NHAP contributions, and leveraging nearly $47 million in first mortgage financing.
NHAP contributions are awarded on a first come, first served basis and will continue until Federal Home Loan Bank grant funds are exhausted.
NHAP contributions are awarded on a first-come, first-served basis and will continue until Federal Home Loan Bank grant funds are exhausted.
Guillion said since the program's initial roll out five months ago, more than 55 families have been served, totaling more than $100,000 in NHAP contributions, and leveraging over $3 million in first mortgage financing.
Norwest officials anticipate that as many as 800 additional families will be able to buy homes thanks to NHAP.
Initially, NHAP offers qualified home buyers who are below 50% of their area's median income a flat $2,000 grant for down payment or mortgage closing costs -- up to a maximum of 5% of the total mortgage.
5 LA winter (n = 41) LA fall (n = 34) NHAPS Microenvironment (mean [+ or -] SD) (mean [+ or -] SD) (mean) Home 16.