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  Quarterly Newsletter  
 Issue 2

We are Neighborhood Housing Services of Waterbury, Inc.  (NHSW) a non-profit, HUD certified organization that was founded in 1980.  NHSW serves low-to-moderate income individuals and families through hands-on educational and counseling programs and has been a significant service provider throughout Waterbury, Danbury, Naugatuck, Torrington and Northwest Connecticut.  Our mission is to revitalize our community through an inclusive approach by providing quality affordable housing, advancing community development initiatives, and fostering financial education, self-sufficiency, and vibrant neighborhoods.
Making Home Truly Affordable
The Adams Street Redevelopment is expected to start construction this fall and be completed in fall 2017.  The development will consist of 6 newly constructed, sustainable, owner-occupied two-family homes utilizing energy efficiency and renewable energy technologies (i.e. geothermal and solar) to provide significant savings.  Specifically, the average annual energy cost for a Waterbury home is $2,200.00; the average annual energy cost for one of our energy efficient homes will be approximately $300.00.  Additionally, the project will consist of a small park with a community garden and an incorporated water feature.   
If you are interested in owning one of these homes or want to find out more information, please contact Eden Brown or Kevin Taylor @ 203-753-1896.  Look for our official Adams Street Redevelopment website coming soon.   
SPIN-A-THON  
Saturday, April 30, 2016
12pm - 3pm
Catalyst Fitness
Middlebury, CT

Join us for a great cause, music, high-energy spinning, refreshments and prizes.  Participate as an individual or as a team.  Limited space available.

If you would like to be involve in the SPIN-A-THON or know someone that wants to be part of this great fun event, please contact Liz Ferrer at 203-753-1896 ext. 14 or email at lferrer@nhswaterbury.org All proceeds will benefit Neighborhood Housing Services of Waterbury.

Success Story

A client facing foreclosure came to Neighborhood Housing Services of Waterbury after falling behind on mortgage payments and not understanding the foreclosure process.  After meeting with our counselor, Maria Rivera, she ascertained that the client was already behind twelve months which had accumulated a delinquent mortgage debt of $20,000.  The client had a loss of income due to loss of employment and an increase of expenses. Due to the reduction of income the client was unable to meet all monthly obligations and credit cards were maxed out.  After reviewing the options, the client decided to apply for a modification. After taking on a second job on a part time basis in order to maintain current with financial obligations. We executed an action plan and applied for a modification with the lender and for rescue funds through our local Housing Authority.  The client was eventually denied a modification from the lender due to insufficient income even with the part time job.  However, the client was approved for the rescue funds.  These funds brought the mortgage account current with the lender and the client resumed the regular monthly payments.  Our client is now able to stay in the home and not relocate the family  from their school and friends.  The client is very appreciative of the counseling services received from Neighborhood Housing Services of Waterbury.

Community Leader Institute Event
This past October, Neighborhood Housing Services of Waterbury sent seven resident leaders to the CLI event in Kentucky. It was there that the residents came up with a program called The Parent Project: Creating Ties that Bind. The program's mission is to empower families to strengthen the bond between parent and child by increasing knowledge and exposure to community assets.   
Winter Time Home Heating Tips
  1. Seal air leaks
  2. Keep heating vents clear.
  3. Choose Energy Star products
  4. Only heat rooms you use.
  5. Use the sun to your advantage.
  6. Cover windows and patio doors with plastic film.  
Grants Awarded
Connecticut Community Foundation awards NHS of Waterbury grants to support our CB&E After School program and the CHIRP Project.  Thank you CCF for your continuous support!
TD Charitable Foundation, the charitable giving arm of TD Bank, America’s Most Convenient Bank®, awards NHS of Waterbury a grant to support the Home Ownership Preservation project. We thank TD Charitable Foundation for their generous support!
We are proud to announce Santander Bank awards NHS of Waterbury a grant to support the Homeownership Education & Loss Prevention Program (HELPP).   We thank Santander Bank for their generous support!
We are happy to announce the Savings Bank of Danbury grant award to support the Homeownership Education & Loss Prevention Program (HELPP).  We thank Savings Bank of Danbury for your support!
We thank ION Bank Foundation for the grant awarded to support the Homeownership Education and Loss Prevention Program (HELPP).
Please register by calling Bonnie at 203-753-1896 ext. 10 
Upcoming Classes
Homebuyer Education - Saturday, February 13th & March 12th - Classes are 9:00am - 5:00pm

Financial Fitness - Wednesday, February 3rd & March 2nd - Classes are 5:30pm - 8:30pm

Foreclosure Prevention - Thursday, February 4th & March 3rd - Classes are 5:00pm - 7:00pm

Landlord Counseling - Wednesday, February 24th & March 30th - Classes are 5:30pm - 8:30pm

All of the above classes are held at NHSW 161 North Main Street, Waterbury, CT 06702

3 Hour Pre-Closing - Wednesday, January 20th, February 17th & March 23rd  - Classes are 5:30pm - 8:30pm. The class location is in City Hall in Veteran's Memorial Hall, 2nd Floor, 235 Grand Street, Waterbury, CT 06702.

 
Campus of Courses at Boscov's
Neighborhood Housing Services of Waterbury will be conducting classes at Boscov's in February!

Landlord Education - Saturday, February 6th, 1pm - 4pm
Foreclosure Prevention - Thursday, February 11th, 5pm - 8pm
Financial Fitness - Monday, February 22nd, 1pm - 4pm

Please register by calling the Boscov's Courtesy Desk at 203-235-4144 ext. 1278.  All classes will be conducted in the auditorium on the 2nd Floor in Boscov's 480 Lewis Avenue, Meriden, CT  06451.