October25,2011ANHDReader

8/3/2019 October25,2011ANHDReader

1/17

the READERahdninc.

October 25, 20

Vol. XXXVI No.

Inid: Resres: p 13 Epye p 14

Last wk th Nw Yok MotgagCoalition (NYMC) lanchd its ByAssistanc Pogam. Th pogam isa local implmntation o th dalNighbohood Stabilization Pogam(NSP2) and woks as a matchmak,paiing abandond and oclosdhoms in Booklyn, Qns and Statnsland with amils sking a hom o

apatmnt o thi own.

contd on p3

Nw

i ThTim

T By


2/17

octobER 25, 2011 volumE xxxvI, numbER 22feATure

use gra ey fr he Nighbohood Stabilization Pogams

By Assistanc Pogam hep ahr r iies ad

this is a rad ew ppriy fr ssaiae hewershipi brky, Qees, ad Sae Isad.

choose from

Vacant Properties Bank Owned Properties Short Sales

Accepted ApplicAnts mAy get

1. Pre-market access to foreclosed homes2. Below-market prices3. Edai ad seig4. Affordable purchase and renovation nancing5. Up to $80,000 for Principle Reduction

mihae R. berg, mayr f he ciy f new YrkMathew M. Wambua, Commissioner of the NYC Dept. of Housing Preservation and DevelopmentSha Da, Sereary f he u.S. Dep. f Hsig ad ura Deepe

buy your home

fo mo inomation: www.nymc.og/nsp2 o call (347) 479-1433

$50 Appiai Fee. ower opay Reqired. Addiia Resriis Appy. Fdig sje aaiaiiy. ters Sje chage. Adiisered y he new Yrk mrgage caii i parership wihNYC Department of Housing Preservation and Development, Neighborhood Housing Services of NYC,ad he fwig e seig ageies: Asia Aerias fr Eqaiy, cypress His la Deepecrprai, neighrhd Hsig Series f bedfrd Syesa, neighrhd Hsig Series f EasFash, neighrhd Hsig Series f Jaaia, neighrhd Hsig Series f nrher Qees,Neighborhood Housing Services of Staten Island, Northeld Local Development Corporation, NHSNYC

NeighborWorks Homeownership Center, and Pratt Area Community Council.


3/17


new Yrk ciy heyers waiig fr pries ay wa resider. las week he new Yrkmrgage caii (nYmc) aed a ew prgra pridig heyer gras p $80,000 fr hepurchase of vacant or foreclosed 1-4 family homes and condos in certain areas of Brooklyn, Queens, andSae Isad. the prgra wi pre affrdaiiy whie hepig saiize eighrhds where ardedwidws, kep faades, fr sae sigs ad her isie sigs f disress fr he fresre risis reai.

this prgra is a ray f sshie i a gy ey fr faiies srggig eiay ahiee hewership, said Ke Iadi, Eeie Direr, nYmc. A he sae ie ha i wi reae ssaiae,affordable homeownership for program participants, it will also help support local neighborhoods by llingse fresed r aa hses.

Using money still in play from President Obamas 2009 America Recovery and Reinvestment Act, TheDepartment of Housing and Urban Development (HUD) released $1.9 billion in funds for a second round ofthe Neighborhood Stabilization Project (NSP2) that went to 56 entities across the nation.

HPD received $20 million from HUD to spur the creation of solution-based programs designed specicallyfor the city. HPD in turn selected the New York Mortgage Coalition, as one of many HPD sub-recipients, andawarded he $4.2 ii aswer he a hep he iy hea is fresre wds. nYmc is parerigwith the New York City Department of Housing Preservation and Development, NHS of New York City, tena hsig seig ageies, rears, ad rgage eders.

NYMC PrograM HelPs HoMeBuYers WITH FIxer uPPers

TheBronx

StatenIsland

Queens

Brooklyn

Manhattan

KingsbridgeHeightsMosholu

Williamsbridge

BaychesterRiverdaleKingsbridgea

BaysideLittleNeck

ElmhurstCorona

Flushing

Whitestone

JacksonHeights

Astoria

UpperEastSide

EastHarlem

EastHarlem

MottHavenHuntsPoint

MottHavenHuntsPoint

CentralHarlemMorningside

HeightsHamilton

SoundviewParkchester

HighbridgeSouth

Concourse

Rockaways

SheepsheadBayGravesend

FlatlandsCanarsie

Flatbush

EastFlatbush

BelleroseRosedale

EastNew YorkStarrett City

HowardBeachS. Ozone Park

SouthCrownHeights

BrownsvilleOcean Hill

North CrownHeights

Prospect

JamaicaBedfordStuyvesant

KewGardensWoodhaven

Bushwick

MiddleVillage

Ridgewood

Williamsburg

Greenpoint

HillcrestFresh

Meadows

ForestHills

RegoPark

Sunnyside

Woodside

Mid-Island

North Shore

BayRidge

SunsetPark

ThrogsNeckCo-opCity

GreenwichVillage

Financial

Coney Island

Bensonhurst

ChelseaClinton

Midtown

BrooklynHeights

Fort Greene

BoroughPark

Park SlopeCarroll

Gardens

UpperWest

Side

StuyvesantTown

TurtleBay

WashingtonHeightsInwooda Morrisania

EastTremont

PelhamParkway

UniversityHeights

Fordham

LowerE. Side

Chinatown

: .:

Neghborhood Stabilization Program Eligible Census Tracts

NEW YORK CITYNEIGHBORHOOD STABILIZATION PROGRAM 2

ELIGIBLE CENSUS TRACTS

BuYerS contd on 4

An overview of census tracts in New York City eligble for the Buyer Assistance Program


4/17

octobER 25, 2011 volumE xxxvI, numbER 22feATureBrIefS

NYMC, working within the constraints of the NSP2 guidelines, decided to specically tackle high-cost hurdles tohome ownership that depress and plague the citys poorest areas. Focusing squarely on 95 areas in Brooklyn,Queens, and Staten Island that were hit hard by foreclosures, NYMC created the NSP2 Buyer AssistanceProgram to widen the pool of people able to buy homes in those areas by using the bulk of $4.2 million toincrease the buyers purchasing power.

Specically, the Buyer Assistance Program, which helps in the purchase of single family, condo units and 2-4family buildings, offers accepted applicants pre-market access to selected foreclosed homes, below-marketpries fr seeed hes, edai ad seig hep keep he affrdae, ad p $80,000 fr apriipe redi f he he a.

Those who act now on this time-sensitive program will reap the most benet from a revitalized housingmarket, said Inadomi. Combining NSP2 with purchase-rehab loans makes it easier to nance a xer-upper,handyman special, and it requires only a three-and-a-half percent down payment.

The NSP2 Buyer Assistance Program also helps provide more affordable rentals. Buyers of multi-unit homes

through the NSP2 program are required to adjust rents to tenants incomes. Low-and moderate-income rentersrarely benet from programs that support homebuyers.

The program provides generous subsidies, but its not for everyone.

Purchasing a distressed property is not for the faint of heart. It can take longer, cost more upfront, and befrsraig. Hweer, here are grea deas here ad his prgra wi reae ew pahs hewershipfor homebuyers who are willing and able to put in extra effort, said Adam Marcus, NSP2 Program Director.

Prospective homebuyers in the program must come from households that earn no more than 120 percent ofaverage median income (AMI) or about $98,000 for a family of four. This makes working and middle classfamilies the main beneciaries of this program.

The NSP2 Buyer Assistance Program is a thoughtful approach to help families in need of homes to ndand purchase homes they can actually afford for the long term. Part of reducing the hurt inicted by theforeclosure crisis involves helping to increase a purchasers nancial aptitude and laying bare the detailsha edei he yig ad aiaiig pars f hewership. t hep wih his riia par nYmc hasteamed with neighborhood non-prot organizations from across the city. They include NHS of New York City,Asia Aerias fr Eqaiy, cypress His lDc, nHS f bedfrd Syesa, nHS f Eas Fash, nHSof Jamaica, NHS of Northern Queens, NHS of Staten Island, Northeld LDC of Staten Island, NHSNYCNeighborWorks Homeownership Center, the Pratt Area Community Council. These partners will be the guideson the ground, providing homeownership counseling and assisting potential buyers with all steps of the home-yig press.

Phone lines are open and applications for the Buyer Assistance Program are being accepted for a limited time.

For more information about the NSP2 Buyer Assistance Program visit the New York Mortgage Coalitionswebsite: www.nymc.org/nsp2 where you can read the ne details of the program and see exactly which blocksi brky, Qees ad Sae Isad are argeed y he prgra.

Please spread the word to any prospective homebuyers you may know. You can also reach a staff memberdirectly by calling the NSP2 Hotline at (347) 479-1433. The program runs for a limited time through February2013 r i he fds r .

BuYerS contd from 3


5/17


2011-2012 MANAGING LEAN AND GREENSession # 2Tuesday, November 1, 2011Implementing Smoke-Free Building Policies in Affordable

Housing

10 am 11:45 am

Pratt Manhattan:144 West 14th Street, Room 213

How can affordable housing developers and managers integrate smoke-free policies

into their developments? This workshop brings together leaders in the design and

implementation of smoke-free building policies that increase the awareness of the

health impacts of secondhand smoke, protect residents' health, and reduce property

damage. Enterprise Green Communities Criteria is the first national framework for

healthy, efficient, environmentally smart affordable homes. Optional criterion 7.16 -

Smoke Free Building recommends the implementation and enforcement of a no-smoking policy in developments, and the inclusion of lease language outlining this

prohibition.

Presenters:Rachelle Rochelle, MPA - Borough Manager, Brooklyn Smoke-Free Partnership

(BKSFP).

Josephine Rivera President, 1347 Bristow Street HDFC

For more information and to register, go tohttp://prattcenter.net/event/mlg-smoke-

free

The cost for this session is $5.00per person.

The Managing Lean and Green training series is sponsored by the Supportive Housing Network of

New York, Pratt Center for Community Development, the Association for Neighborhood and Housing

Development, and the Urban Homesteading Assistance Board, and Enterprise Green Communities.


6/17


ffIeC Changs ToAct Motgag andIncom Data in 2012the Federa Fiaia Isiis Eaiai ci (FFIEc)as week aed ha i wi irprae he 2010 AeriaCommunity Survey (ACS) data into the FFIEC-publishedcensus data le. The new methodology responds to a changei he way he u.S. cess brea es ifrai hais reected in the FFIECs census data. Unlike the previousdecennial census that counted the nations population andsreyed a saer sege f he ppai edeaied ifrai, he 2010 cess was sed y the nations population. Data that were traditionally collectedhrgh he sppeea srey are w eed as par f

he AcS.

The FFIEC, established in 1979 to prescribe and promoteuniformity in the supervision of nancial institutions, publishesess daa as par f he He mrgage Dissre A(HmDA) aggregae ad dissre daa ad as a separaecensus data le, both of which are available on the FFIECwesie. the ess daa are sed pride e HmDAad ciy Reiese A (cRA) daa. Hisriay, hecensus data base le was developed by the FFIEC every 10years ad was pdaed aay.3 bease f he hages i

he ei f he 2010 ess daa, he ageies wi akecorresponding changes to its data les. The FFIEC will usethe 2010 ACS ve-year estimate data to create a new base le.The FFIEC will update the census information in the base leevery ve years. Implementation of the new data for consumerpiae ad cRA eaiai prpses wi r i 2012,ad he daa wi e iized i he sae aer ha deeiadaa has ee sed i he pas.

FFIEc as aed reisis he aai f aaedia faiy ie (mFI) daa. begiig i 2012 i wi akeer fr Depare f Hsig ad ra Deepe

(HuD) he respsiiiy aae he aa media FaiyIe (mFI) daa ha are pished eah Je1. the 2012MFI Data will incorporate the U.S. Census Bureaus Americanciy Srey (AcS) ifrai ad wi e referred as FFIEc media Faiy Ie Daa.

An explanation of the methodology used to develop the scalyear 2012 FFIEc media Faiy Ie Daa ad reaeddocuments will be available on the Census Product page(www.fec.gov/cra/censusproducts) of the FFIECs website.

NY Dpatmnto financialSics

Now Opnbejai m. lawsky, Speriedef Fiaia Series, se he issiad aed he srre fr heew new Yrk Depare f FiaiaSeries a a erey oer 3,2011. Speriede lawsky was jiedby 19 former Banking and InsuranceSuperintendents, other ofcials andhdreds f Depare saff a he

ceremony at Pace University markingthe ofcial start of the Department, whicherges he Sae bakig ad IsraeDepares.

the Depare f Fiaia Serieshas hree ai gaskeepig newYork on the cutting edge as the nancialapia f he wrd, preig serseer ha eer efre, ad serig as amodel of efcient government. Today, I

a aig a Js Iiiaie parerwith the nancial services industry and ndhe es ways ara re js newYrk Sae. We hae se p he FiaiaFrauds and Consumer Protection Division,whih has ew pwers hep serson all types of nancial products andseries. I addii, we wi e reaig aew eeie ee psii, a Direr fEfree, wh wi ersee a riiaiesigais. As, I a ae hahe ew Depare is rak ahiee

re ha $25 ii i dge saigs ijust its rst year, Superintendent Lawskysaid.

the Depare f Fiaia Serieswas reaed hrgh he erger f hesae akig ad israe deparesder a sidai pa y Gerrc i 2010.


7/17


The New York Mortgage Coalition (NYMC) is a unique collaboration of financial institutions

and community housing agencies dedicated to helping low to moderate-income families

become first-time homebuyers in the Greater New York area. Through financial workshops

and one-to-one homeownership counseling, NYMCs eight community groups educate

qualified borrowers into becoming responsible home buyers. Participating lenders provide

competitive, fixed-rate loans which may include closing cost and down payment subsidies

on a need basis.

For more information on joining the New York Mortgage Coalition please contact:

Ken Inadomi, Director

212.742.0762

[email protected]

Every year the New York Mortgage Coalitionhelps thousands of renters prepare

for homeownership.

NYMCs Financial Institutions:

Amalgamated Bank, Astoria Federal Savings Bank,

Bank of America, Capital One Bank, Citibank, EverBank,

HSBC, JPMorgan Chase, M & T Bank.

NYMCs Community Housing Agencies:

Asian Americans For Equality, Cypress Hills Local

Development Corporation, Harlem Congregations for

Community Improvement, Housing Partnership Development

Corp., Housing Action Council, Long Island Housing

Partnership, Neighbors Helping Neighbors,

and Pratt Area Community Council.

Creating affordable homeownership


8/17


Tasy Sctay Githnast week testied before the U.S. Senate Committeeon Small Business. Speaking in defense of President

Obamas recently unveiled Americas Jobs Act,

Geiher rged sears sppr he i as a

riia par f redig epye i Aeria.

Specically, Geithner discussed the Treasury

departments role in helping to foster job creation

through increasing small businesses access to

gere ras ad werig payr ad

prree a rdes. the ree cia Krea,

and Panama Free Trade Aggreements were mentioned

as eas spr uS eprs arad ad js a he

fr sa siesses.

A sa siess, ardig he Sa bsiess

Adiisai, geeraes aa reees f $2 ii

r ess.

http://www.treasury.gov/press-center/press-releases/Pages/tg1333.asp

During the nancial crisis,

almost $14 billionwas instd in smallbanks thogh TArP,while modications to SBAsprograms in 2009 and 2010sppred $42 ii iaddiia edig.

We epe heSa bsiessledig Fd(SblF) eerageappriaey

$9 billionin additional lndingby th nd o 2014,

ad he Sae Sabsiess crediIiiaie (SSbcI) eerage a eas

$15 billionby th ndo 2016.

Rearks y treasry Sereary tiGeiher efre he Seae Sabsiess ciee regardig heAdministrations efforts to support smallsiesses oer 18, 2011PHOTO:Websource APhttp://www.treasury.gov/press-center/press-releases/Pages/tg1333.aspx


9/17

M&T makes homebuying easy.Some o the most talked about challenges to homeownership are myths rom the past. Te truth is,

M&s experienced mortgage consultants will work with you to make homebuying easy and afordable

even i you have:

Little money for a downpayment

Little or less-than-perfect credit history

A recent job change

Were here to help, with lending options built or your lie. Call M& today at 516-391-7605 or

800-924-5626 or visit us at www.mtb.com.

Owning a home can bemore than just a dream.

octobER 25, 2011 volumE xxxvI, numbER 22


10/17

0

Diversityis a source of

strength for our people

and our businesses.

At Citi, we have worked hard to create a workplace with

an emphasis on inclusion, innovation and merit, rooted in

our shared values and respect for our colleagues and the

millions of people we serve. We aspire to be a company

where the best people want to work; a company dedicated

to empowering individuals and families around the world;

and a company that provides opportunity for all.

An Equal Opportunity Employer M/F/D/V | careers.citigroup.com

2009 Citigroup Inc. Citi and Arc Design is a registered service mark of Citigroup Inc.571810 11/09

octobER 25, 2011 volumE xxxvI, numbER 22


11/17

octobER 25, 2011 volumE xxxvI, numbER 22eveNTS


12/17

2



13/17

3



14/17

4

Monday Nomb 7, 8am to 12pm

Th Pow o Collaboation

Given the current reality of budget decits, funding cuts, anddouble digit unemployment, its never been more importantfor nonprots to nd creative ways to pool and leverageresres ad wrk araiey arss aris sersincluding other nonprots, for-prots, foundations, andgovernment. The Power of Collaboration is a half-day forumdesiged ifr ad ispire hsig eaders siderew ways apprah ad ipee he araiepress.

The Power of Collaboration is hosted by the NewYrk mrgage caii, he ceer fr new Yrk ciyneighrhds, ad neighrhd Hsig Series New York City who will be joined by key decision-makers

hgh eaders, ad praiiers wh are shapig heaffrdae hsig, edig, ad eighrhd saiizaipiies f greaer new Yrk.

When: Monday November 7, 2011 - 8:30 am to 11:45 am. Ligh

breakfast will be served. Keynote starts at 9 am.

Where: One Chase Manhattan Plaza, 60th oor, New York, NY.

AnHD eers apish ig higs i hsig. Hep s e hese sries.

Sha yo idas with Th rad

Since our rst issue more than 30 plus years ago, The ANHDI Reader has feared peig sries f sesses adchallenges facing NYCs affordable housing movement.Hep s ie giig r ee a ie. Sggesa sry idea, si a arie, r iiiae a feare yrrgaizai. Sed yr eai [email protected]

the READER

ahdninc.

April12, 2011VolumeXXXVINumber8

ResidentscallforNYCommunityBanktoendMilk&RunLastThursday,tenantsof735BryantAveinthe

Bronxheldapress conferencetodemandaction.Thegoalwastobring attention tothedisinvestment

andphysicalneglectthathas plaguedtheirb uilding

foryears.

ResidentswerejoinedbyBronxBorough President

RubenD iazandCityCouncilSpeakerChristineQuinn, aswellas neighbors fromsurroundingbuildings as theycollectivelycalledon NewYork

CommunityBanktoputan endtotheserialneglect.Unfortunately,this is nota n isolatedincidentforNew

YorkCommunityBank,whichholds themortgageon

735Bryantas wellas 33 otherbuildings (includingcontdon p3

Above(l-r)B ronxBoroughPresidentRubenD iaz,735B ryantAvenueTenantAssociation PresidentGennetRileyandCityCouncilSpeakerQuinn duringthepressconference.Inset:Residents ofnearbybuildingsunderNYCBs portfolioexpress thoughts


saveFridy, Nombr 18, 2011

8:30aM o 6:00PM

theNYU Lw scool Lipon hll

110 W 3rd sr ( McDougl)

DateLocl Rponibl Bnking Ordinnc:a Nionl Policy Conning

What:

Local Responsible Banking Ordinances:

A National Policy Convening

WhO:

Advocates, Regulators, and Elected Ofcials from

New York and cities across the country including

Boston, Chicago,Cleveland, Los Angeles, and

Philadelphia, among others

WhY:

ANHD and the National Community Reinvestment

Coalition (NCRC) are co-hosting this important

forum to explore local strategies for holding banks

more accountable

WheN:

Friday, November 18, 2011

WheRe:

NYU Law School Lipton Hall

To RSVP, contact Dave Hanzel

at [email protected] or (212) 747-1117 x21

nhd

ASSOCIATION FOR

NEIGHBORHOOD

AND HOUSING

DEVELOPMENT,INC.


15/17

octobER 25, 2011 volumE xxxvI, numbER 22reSOurCeSAmiCops Stat and National Gant Comptition

the crprai fr naia ad ciy Serie,in the 2012 competition, expects to invest a signicanta f aaiae fdig prgras wrkig ihe si Fs Areas f Disaser Series, Eioppriy, Edai, Eirea Sewardship,Heahy Fres, ad veeras ad miiary Faiies.

Deadie: Ja 18, 2012; Fdig A: saedhp://www.aiaserie.g/fr_rgaizais/

funding/nofa_detail.asp?tbl_nofa_id=91

Lo Yo Block

nYc Serie ad ciizes ciee fr new Yrk ciyinvite volunteer-led neighborhood group to apply for ak rasfrai gra ad reeie a gra fr $500- $1,000 and support from City agencies including theDepartments of Transportation, Sanitation, and Parks

& Rereai hep reiaize yr k.

Funding Amount: grants range from $500-$1,000Deadie: neer 8, 2011hp://www.iizesy.rg/gras/e_yr_k.at tachment / lyb-2012-5123/LYB%202012%20Appiai.pdf

Homlss Hosing and Assistanc Pogam rfP

The Homeless Housing and Assistance Program,under NYS Ofce of Temporary & Disability Assistance,

ahrizes a prgra f Sae fded gras r as aqire, sr r rehaiiae hsig epadhe sppy f hsig fr w ie perss wh are,r wd herwise e, heess.

http://otda.ny.gov/contracts/2010/HHAP/Deadline: This RFP is an open-ended RFP

Assts o Indpndnc Dmonstation Pogam

the Adiisrai fr chidre ad Faiies (AcF)is reqesig appiais fr gras adiiser

prjes fr he aia Asses fr Idepedee (AFI)desrai f he se ad ipa f IdiidaDeepe As (IDAs) ad reaed series.

Fdig A: Esiaed ta Fdig: $15,000,000Epeed ner f Awards: 50Award Ceiling: $1,000,000 Per Project PeriodDeadie: 1/25/2012http://www.acf.hhs.gov/grants/open/foa/view/HHS-2011-ACF-OCS-EI-0137/pdf

Nighbohood Stabilization Pogam

Depare f Hsig ad ura Deepeis offering funding for NSP TA to provide stategovernment, local government and nonprot recipientsof federal NSP funding with the assessment tools andehia ad apaiy idig assisae eeded fy dersad heir a arke diis, irease heir apaiy sessfy arry federaassisae prgras whie eeragig her piad priae resres, ad ahiee psiie adeasrae es.

Estimated Total Program Funding: $20,000,000Deadie: n 21, 2011http://www07.grants.gov/search/search.d?&de=vIEW&ppId=128853

Tnant rsoc Ntwok Pogam (TrN)

Depare f Hsig ad ura Deepe isaaig fdig fr a tRn desiged faiiaepreservation of projects with Section 8 Project BasedRental Assistance at-risk of loss. TRN considersprojects at-risk upon occurrence of one of thefwig ees: a FHA isred r Dire rgageariy dae wihi 24 hs f he piai fthe NOFA; an owner election to Opt-Out led no moreha 12 hs prir piai f he noFA; anotice of prepayment led no more than 12 monthsprir piai f he noFA; r he reeip f wconsecutive Below 60 REAC scores (not yet under

aaee), wih he s ree sre issed re ha 12 hs prir he piai f henoFA.

Epeed ner f Awards: 20Estimated Total Program Funding: $10,000,000Award Ceiling: $720,000; Award Floor: $200,000Deadline: Dec 06, 2011http://www07.grants.gov/search/search.d?&de=vIEW&ppId=128513

NYC vnt Connct, Consltant Sics

new Yrk ciy Ei Deepe crprai(nYcEDc) is seekig a sa r sateam to re-design, re-launch and manage thenYcverece. wesie sere asa dynamic, central, up-to-date resource for theerepreeria iy

Deadline: 11-7-2011http://www.nycedc.com/ProjectsOpportunities/RFPsRFQsRFEIs/Pages/Opportunity236_PC.aspx

5


16/17

octobER 25, 2011 volumE xxxvI, numbER 22reSOurCeS6Chhaya CDC is sking an Intak Spcialist

chhaya seeks a eergei iake speiais epar f is dyai prgra ea. the iake speiaiswill be one of the critical front-line staff, helping SouthAsia ad her iigra ies i aigaig adseeig he apprpriae hsig seig prgraa chhaya. cadidae wi reeie eessary raiigs.

Respsiiiies ide dig riage,ad shedig appies wih apprpriae saff;conducting one-on-one intake counseling sessions withtenants, prospective homebuyers, at-risk homeownersad her ies; preseig wrkshps ad ifraisessis ad assisig wih he preparai f hyas we as her seig reprs. cadidaes eed e iiga i Egish, baga, Hidi, nepai,Punjabi or Urdu and have excellent customer servicead per skis.

this is a f ie psii, 40 hrs per week.Aiipaed sar dae is he hird week f neer

2011. Saary wi e esrae wih eperieeplus excellent benets including, medical and dentalbenets, 403b option, TransitChek and generousaai ad hidays.

t appy sed a rese, a hghf erletter and list of references to Homeownership Programmaager maa Grg, a [email protected]

Paodnck sks an excti Dicto

The Parodneck Foundation for Self-Help Housing andciy Deepe, I. is seekig a EeieDirer.

the Eeie Direr wrks sey wih hebard f Dirers ipee he issi f hergaizai ad ersees he day day perais fhe agey. the sessf adidae wi e a persof vision, extremely adept at multi-tasking and able asse dire prgra respsiiiies as eededhae srg eadership skis ad wi e a eeeaager ad adiisrar.

the Eeie Direr wi hae srgfundraising and nancial management skills. S/he wile a eee iar wh a wrk effeieywih a ariey f sakehders: eas, iypartners, public and private funders and elected ofcialsIeresed appias ay ai he f j desripiy isiig r wesie www.pardekfdai.rg

t appy sed er eer, rese ad wriig sape [email protected] r ai :Search Committee, Parodneck Foundation, 121 SixthAee, Sie 501, nY, nY 10013.

this psig wi e pe i oer 31 2011.

eMPLOYMeNT

Looking o a Dicto o Bilding Sics

A nonprot agency located in NYC is seeking a

Direr f bidig Series. Respsiiiies idesperisig aieae depare idig idigad apare repairs ad preeaie aieae a idig syses; Ideifyig ad irig aside raed wrk. Direr is as respsiefr iery rs, rrei f iais ad saffaa perfrae reiews.Qualications: High School diploma required; 3-5years eperiee wrkig i as Sperisry psiii resideia idig aieae. Eperiee iaieae repair ad speriede ee skis.

Eperiee i heaig, pig ad eeria reqired.bakgrd i sri, hepf.Gd wrie & srg era iai skisrequired. Ability to work exible schedule and beaaiae fr a eergeies. biiga, Spaishpreferred.Saary: cesrae wih Eperiee. Eai resead er eer i wrd fra wih psii i sjeie reses134@yah.

Looking o a Dicto o Popty Managmnt

A nonprot agency located in NYC is seeking a

passiae idiida wih dersadig f sia adei pres reaed hsig eeds fr wincome individuals to become the Director of Propertymaagee. this idiida wi hae wih a eas 5years eperiee i he daiy perais ad sperisif a prpery aagee depare. the idiidawi e respsie fr esrig rdiai eweeiy ageies, sri aagee, maieaeand Accounting Departments. The qualied individuawi hae eperiee i apia paig ad faiiariywih egiaig eria eases.

the key idiida wi hae kwedge f adeperiee wrkig wih Sei 8 ad her eisighsig her prgras. this pers s e weersed i HuD regais, gideies ad predresthe sessf adidae fr his psii s pssesssrg ierpersa, ser serie ad sperisrskills. Low Income Housing Tax Credit Certicationreqired. biiga, Spaish preferred

Eai rese ad er eer i wrd fra wihpsii i sje ie reses134@yah.


17/17

In todays market, it is more important than ever for your clients to work

with a lender they trust. Bank of America is the right choice for your clientsmortgage because:

Last year more people chose Bank of America for their home nancing than

any other lender in the U.S.

We originate one in ve of all mortgages to low- to-moderate income borrowers.

With No Fee Mortgage PLUS, your clients will get the best mortgage deal

backed by our close-on-time guarantee.

Our mortgage professionals will keep your clients informed every step of theway so there are no surprises.

HELP YOUR CLIENTS GET

THE MORTGAGE THEYNEED

FROM THE BANKYOU TRUST.

Credit and collateral subject to approval. Only for Bank of America customers.Program rate, terms and conditions are subject to change without notice.THIS INFORMATION IS INTENDED FOR MORTGAGE AND REAL ESTATE PROFESSIONALUSE ONLY AND SHOULD NOT BE DISTRIBUTED OR SHOWN TO CONSUMERS OROTHER THIRD PARTIES.Bank of America, N.A. Member FDIC. Equal Housing Lender.2008 Bank of America Corporation AD-TL-T3

Visit http://neighborhoodlending.bankofamerica.com to fnd out how

Bank o America can provide the best mortgage solution or your clients.

Documents

October25,2011ANHDReader