Oweesta Corporation Certified by the U.S. Department of Housing and Urban Development (HUD) for Native Homeownership Network

Longmont, CO – Oweesta announces the certification of the Native Homeownership Network as a national housing counseling network under HUD. Launched in 2019, the Native Homeownership Network is the only housing counseling network comprised exclusively of Native community development financial institutions (CDFIs) and Native non-profits seeking to increase homeownership on tribal lands, reservations, and urban environments across the United States. As a HUD-approved agency, the Network has the accreditation, financial support, and technical knowledge to further strengthen housing development in Indian Country.

“The HUD certification is a testament to the unwavering and groundbreaking work the Native Homeownership Network is achieving in the housing market,” said Heather Rademacher Taylor, Director of Programs. “COVID presented several unforeseen challenges and many of us had to shift priorities and focus on the dire needs of our communities. The Network members still upheld their commitment and pooled their resources to become the first and only housing counseling network dedicated exclusively to Native homeownership. We believe that protecting the livelihood of Native people includes promoting homeownership on Native lands.”

Only 53% of Native Americans are homeowners compared to the 71% of white households who own homes. Oweesta’s role as a national intermediary in Indian Country has always been grounded in addressing emerging needs around economic development of Native communities. As disparities in access to mortgage capital have continued to stall homeownership opportunities for Native families, the Network was established with the goal of organizing, training, and certifying a new cohort of housing counselors living in and advancing Indian Country. The ten organizations part of the Network are poised to expand their services and capabilities through increased homebuyer education, one-on-one housing/financial counseling, and financing. Already, the network has provided homebuyer education and housing counseling to over 1,000 families, helping create a movement toward homeownership in Native communities.

“We are the first peoples of the 50 states, yet a national HUD intermediary dedicated to our communities has been elusive for too long. This accomplishment is the result of two years of work, of collaboration among Native organizations all around the country that are doing the hands-on work of housing counseling in our communities. The achievement is for everyone in Indian Country,” said Robin Puanani Danner, Oweesta Board Vice Chairperson and member of the Native Homeownership Network. “Mahalo to the Biden Administration, to HUD Secretary Fudge, the incredible team at HUD for working with Oweesta Corporation to bestow certification as a national HUD counseling intermediary, and to the Network’s partners and supporters.”

The partnership behind the Network was made possible thanks to the generosity and vision of several partners and funders. NeighborWorks Montana coached the Network through the two-year process of becoming certified. Wells Fargo, Fannie Mae, Freddie Mac, American Express, and NeighborWorks America financially supported the initiative, which helped provide subgrants for Network members for their housing programs, training and exam preparation, and in some cases, to purchase Personal Protective Equipment (PPE).

The Native Homeownership Network will focus efforts on expanding the network by inviting more organizations to join, sustaining existing programs, and narrowing the housing gap by creating more Native homeowners.

The Native Homeownership Network member organizations are:

Four Directions Development Corporation (FDDC)Native American Youth and Family Center (NAYA)
Hawaiian Lending & Investment (HLI)Tiwa Lending Services (TLS)
Lakota FundsWarm Springs Community Action Team (WSCAT)
Mazaska Owecaso Otipi Financial (MOOF)Wisconsin Native Loan Fund (WINLF)
NACDC Financial Services (NACDCFS)White Earth Investment Initiative (WEII)

 

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To learn about joining the Native Homeownership Network, contact:

Heather Rademacher Taylor

Director of Programs

heather@oweesta.org

 

Media Contact

Denisse Ruiz

Communications Officer

denisse@oweesta.org

 

 

Oweesta Awarded MacArthur Funds Supporting an Equitable Recovery

FOR IMMEDIATE RELEASE
July 27, 2021

 

LONGMONT, CO Oweesta is to be awarded a grant from the John D. and Catherine T. MacArthur Foundation to support our work in realizing sovereign and self-sustaining economies on Indigenous lands. 

The grant is part of roughly $80 million in awards MacArthur announced today in support of the foundation’s Equitable Recovery initiative, centered on advancing racial and ethnic justice. Oweesta is one of 15 organizations receiving part of the $16 million grants under the focus area of advancing “Self-determination of Indigenous Peoples” established to support Indigenous communities’ autonomous pursuit of a recovery guided by their priorities, cultures, and practices. 

“Oweesta is deeply honored to be part of MacArthur Foundation’s strategy for an equitable recovery that uplifts self-determination efforts of Native people” said Chrystel Cornelius, President and CEO of the Oweesta Corporation. “As Native communities often have to navigate in landscapes with scarce funding opportunities, through funding initiatives such as these, we can create pathways and programs that allow Native people to take control of their financial lives and begin to build wealth for future generations.”

For over 20 years, Oweesta has been a pillar for the economic advancement of tribal and Indigenous communities through their investment, capacity building, and educational activities. This grant will provide Oweesta the flexibility to make agile and responsive decisions in the face of the evolving needs seen in Native communities, especially as pandemic recovery phases continue to unfold across Indian Country.

“As we emerge from this moment of crisis, we have an opportunity to improve the critical systems that people and places need to thrive. Our systems and structures must be rebuilt,” said MacArthur President John Palfrey. “We are committed to ensuring that our response to the pandemic is focused on supporting the reimagining of systems that create a more just, equitable, and resilient world.” 

To advance racial and ethnic justice, MacArthur is supporting work in multiple focus areas, including: 

  • Racial Justice Field Support, with a focus on combatting anti-Blackness, supports building Black power by supporting Black-led and -focused philanthropic organizations. MacArthur also will take a leadership role in positioning reparations and racial healing as issues that philanthropy helps to meaningfully address.
  • Public Health Equity and COVID-19 Mitigation and Recovery supports improving access to resources for immediate health challenges while advancing new policies, models, and structures to support a more equitable and resilient public health sector in the future.
  • An Equitable Housing Demonstration Project supports restoring communities and reducing incarceration and housing instability by generating an array of housing solutions that can help to permanently end the use of jails and prisons as housing of last resort.

MacArthur identified the areas through a participatory process with a diverse group of external advisors, who informed its strategic approach. The participatory process aimed to center the voices of communities that are affected by the Foundation’s decisions and have a stake in the grantmaking outcomes. The Equitable Recovery initiative is funded by MacArthur’s social bonds, issued in response to the crises of the pandemic and racial inequity.

This is the first time Oweesta has received a grant from MacArthur. Almost two-thirds of the awards represent new grantee relationships, and most of the organizations are led or serving Black, Indigenous, and People of Color. The grants also reflect MacArthur’s global reach with 45 percent of new funding supporting work outside of the U.S., including 12 percent in India, and 14 percent in Nigeria, where MacArthur has offices. 

Equitable Recovery Initiative 

In the fall of 2020, MacArthur established a $125 million Equitable Recovery Initiative. The Foundation deployed $40 million of bond proceeds through 24 grants. Initial grants focused on strengthening voter mobilization and election protection, addressing anti-Black racism, and supporting Native Americans impacted by COVID-19. Grants also supported Black, Latinx, Asian, and Indigenous arts organizations in Chicago, technology and justice, and a fund for social entrepreneurs advancing racial equity.

View all Equitable Recovery grantees.

 

Media Contact

Denisse Ruiz, Communications Officer

Oweesta Corporation

denisse@oweesta.org

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About Oweesta Corporation

Oweesta Corporation provides opportunities for Native people to develop financial assets and create wealth by assisting in the establishment of strong, permanent institutions and programs contributing to economic independence and strengthening sovereignty for all Native communities. Oweesta is the longest-standing Native CDFI (Community Development Financial Institution) intermediary offering financial products and development services exclusively to Native CDFIs and Native communities.

oweesta.org

 

Oweesta Joins NeighborWorks America Network as Charter Member

FOR IMMEDIATE RELEASE
July 19, 2021

 

Oweesta Joins NeighborWorks America Network as Charter Member

LONGMONT, CO — Oweesta Corporation has been selected as a charter member of the NeighborWorks America network. Oweesta is one of several organizations to join NeighborWorks and its member organizations that serve over 4,500 communities nationwide, focusing on community revitalization, homeownership expansion, and the production of affordable housing to meet the housing needs of hundreds of thousands of people.

“We are so pleased to have these organizations’ breadth of knowledge and expertise in our network,” said NeighborWorks America President & CEO Marietta Rodriguez. “At a time when becoming and staying resilient as a person and community has never been more important, these new NeighborWorks network organizations serve as trusted advisors. Every day they help residents understand all of the services and requirements available to help them own and sustain homes and provide many other services to enhance their lives.”

For more than 40 years, NeighborWorks America has served as the nation’s premier leader in affordable housing and community development working through partnerships, public and private, to drive change at the local level for individuals, families, and communities. Similarly, Oweesta partners with numerous Native Community Development Financial Institutions (CDFIs) to meet the needs of underserved and un-banked Native communities and create opportunities for wealth creation.

“Oweesta is honored to become a member of such an impactful and longstanding organization of affiliates, especially at a time that many Indigenous peoples look to assert our advancement in attaining homeownership on our ancestral lands,” said Chrystel Cornelius, President and CEO of Oweesta. “We have long admired NeighborWorks for uniting and uplifting committed organizations. We are better together. And together, we will strengthen our communities.”

The NeighborWorks network will increase Oweesta’s capacity to train, organize, and advocate for Native CDFIs as they grow the housing market in Indian Country through personalized counseling, homebuyer education, financing, and development of affordable housing. As a chartered member, Oweesta receives organization benefits from funding opportunities, technical assistance, training, and access to a vast network of community-based organizations.

 

Media Contact

Denisse Ruiz, Communications Officer

Oweesta Corporation

denisse@oweesta.org

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About Oweesta Corporation

Oweesta Corporation provides opportunities for Native people to develop financial assets and create wealth by assisting in the establishment of strong, permanent institutions and programs contributing to economic independence and strengthening sovereignty for all Native communities. Oweesta is the longest-standing Native CDFI (Community Development Financial Institution) intermediary offering financial products and development services exclusively to Native CDFIs and Native communities.

oweesta.org

 

About NeighborWorks America

For more than 40 years, Neighborhood Reinvestment Corp., a national, nonpartisan nonprofit known as NeighborWorks America, has strived to make every community a place of opportunity. Our network of excellence includes nearly 240 members in every state, the District of Columbia and Puerto Rico. NeighborWorks America offers grant funding, peer-exchange, technical assistance, evaluation tools and access to training, as the nation’s leading trainer of housing and community development professionals. NeighborWorks network organizations provide residents in their communities with affordable homes, owned and rented; financial counseling and coaching; community building through resident engagement; and collaboration in the areas of health, employment and education.

neighborworks.org

 

 

 

Celebrating our History, and Announcing our Vision for the Future

In 2019, Oweesta Corporation (Oweesta) celebrated our 20th anniversary as an organization. It was a time of deep reflection as we completed new strategic planning activities and discerned how we could best serve as an intermediary and bridge to capital in the upcoming decade. In these conversations, it was clear that Oweesta is both stronger than we have ever been and that we must continue to strive, grow, and push ourselves on behalf of the communities we serve.

Through these discussions with our Board of Directors and parent company, First Nations Development Institute, all concurred that the best way to support Oweesta’s growth was to legally separate and for Oweesta to no longer be a subsidiary of First Nations Development Institute.

Our relationship will remain a close, and Oweesta will be forever grateful for the legacy First Nations Development Institute created by their envisioning of Native Nations having equitable access to capital and investment as most of America enjoys. Both our organizations remain deeply committed to the service of Native American, Alaska Native, and Native Hawaiian communities. We also share the same set of guiding values, believing that when armed with the appropriate resources, Native people hold the capacity and ingenuity to ensure the sustainable, economic, spiritual and cultural well-being of their communities. It with deep gratitude to ours elders and former board members who walked before us and created and built both of these amazing Native-led non-profit organizations that we share this news.

As we look to the future, it seems like there is no better time for Oweesta to take these independent steps. In this time of great reckoning and conversation in our nation, Oweesta remains steadfast in our commitment to capitalizing and supporting the growing Native Community Development Financial Institution (CDFI) movement. As we have seen day after day these last twenty years, Native CDFIs remain one the strongest and most impactful tools for aligning justice and capital for indigenous communities across the country. Oweesta therefore remains as excited about working with these amazing partners as we were on the day that our organization was created.

To learn more about the Oweesta of the future, we are pleased to share our 2021-2023 strategic plan. For all that Oweesta has accomplished, and for what we will in the future, we wish to express our gratitude to First Nations Development Institute, our former Board of Directors, as well as our many grassroots partners. Without your commitment, passion, and strength, we would not have come so far.

2021 VITA Marketing Toolkit

Oweesta and NDN Collective Award $1.25 Million in Grants to Native CDFIs

Oweesta Corporation (Oweesta) and NDN Collective continue to stand in solidarity with Indigenous communities who remain uniquely affected by the COVID-19 pandemic. Together as an Indigenous-led partnership, we are awarding a combined $1,250,000 in grants to 25 Native CDFIs through our COVID-19 Grant Program. These Native CDFIs will further their roles as the economic engines for financial sovereignty in Indian country through the COVID-19 Grant Program.

These organizations have been integral in the sustaining of Indigenous businesses across the United States, from Alaska to Hawaii to Maine. When stay-at-home orders and closures were first issued, Native CDFIs quickly adapted to the emerging needs in their communities; they provided emergency relief capital, supported local businesses adapt to unforeseen supply chain issues, and offered refinancing terms for new and outstanding loans. Knowing that sustaining is not enough, they are also pivoting their business operations and policies to help their communities flourish for a new and better normal.

NACDC Financial Services based in Montana is one such CDFI who has creatively worked with their 600+ clients to ensure no business has had to close. Tourism is a main source of income for several businesses on the Blackfeet Reservation, one of the seven reservations NACDCFS services. Following the closure of the East Glacier Park, many businesses, also clients of NACDCFS, experienced significant financial loss. NACDCFS worked with their clients individually to determine repayment plans and terms and connected them with additional capital resources. They will soon move their technical assistance and trainings virtually in order to help small businesses, agriculture, and homeownership clients succeed.

Hopi Credit in Arizona, similarly, saw many self-employed Tribal members, like artists and food vendors, financially suffer from the cancellation of the Santa Fe Indian market, powwows, and other events, and realized the products and services they traditionally offered weren’t enough for the community. They offered a small business emergency loan and worked with new and existing clients to defer loans payments. Hopi Credit will use the funds to hire more staff to begin realizing their long-term vision of developing much-needed economic infrastructure on the reservation in an effort to keep money circulating within the community.

Overall, the grantees will be essential to the financial recovery of local economies. Oweesta and NDN Collective’s joint commitment to long-term community resilience and sustainability will be furthered by the work and dedication of Native CDFIs.

Use this interactive map to learn more about these grantees.

Here is a complete list of the 25 grantees.

 

Akiptan, IncAffiliated Tribes of Northwest Indians Economic Development Corporation
Black Hills Community Loan FundChi Ishobak, Inc
Cook Inlet Lending CenterCouncil for Native Hawaiian Advancement
First American Capital Corporation (FACC)First Nations Community Financial (FNCF)
Four Bands Community FundFour Directions Development Corporation
Homestead Community Development CorporationHopi Credit Association
Lakota FundsMni Sota Fund
NACDC Financial Services, IncNative American Bank
Native American Development CorporationNimiipuu Community Development Fund
Northwest Native Development FundNixyáawii Community Financial Services
Seneca Nation of Indians Economic Development CompanySisseton Wahpeton Federal Credit Union
Spruce Root, IncWind River Development Fund
Wisconsin Native Loan Fund

New Lending Opportunities Available Now!

Working Capital and Line of Credit Loans

Oweesta is pleased to announce the launch of two new loan products immediately available to our Native CDFI industry.  Oweesta is currently accepting inquires for our new Line of Credit and Working Capital/Operating Loan. For Native CDFIs needing flexible capital sources, Oweesta is grateful to be able to offer these new loan products to our Native CDFI partners. Oweesta knows it is a challenging time for our Native CDFIs and hope the growing diversity of our capital options can provide opportunities for innovation during the difficult road ahead.

The origination fees on these loan products will be waived until August 1st in support of our communities affected by the COVID-19 crisis.

Working Capital/Operating Loan

The Working Capital/Operating Loan is designed to help Native CDFIs who may be experiencing a difficult time during the Covid19 pandemic or waiting to receive grant revenue they have been awarded, but not received. With this short term temporary loan Native CDFIs can ensure their operating capital will be there when they need it. While the interest rate on this loan will—in the long-term—vary based on market conditions, it is currently between 3.0-4.0% with an origination fee of 2%.

Line of Credit

Our Line of Credit is a renewable line of credit for any of your general lending capital needs. This is a fantastic opportunity for Native CDFIs to launch an emergency loan product.  On a one-year term, the current interest rate is 3.0-4.0% with an origination fee of 1%. This loan will have either quarterly or monthly interest-only payments with the principal due at maturity.

If you are interested in either of our new loan products, please follow the link below to access the Oweesta portal for the loan application.  If you do not yet have access to the portal, please contact Isaiah Cornelius at Isaiah@oweesta.org to set up access.

https://www.vistashare.com/p/first_nations_oweesta/Oweesta-Portal/login.html

For more information on these loans and how to apply, please contact Florence Ludka at florence@oweesta.org

WELLS FARGO FOUNDATION PROVIDES $1.8 MILLION MULTI-YEAR GRANT TO SUPPORT NATIVE CDFIS

LONGMONT, CO – First Nations Oweesta Corporation (Oweesta) is excited to announce Wells Fargo Foundation (Wells Fargo) has awarded the organization a grant of $1.8 million to support the Equity and Opportunity for Start-up, Emerging, and Growing Native CDFIs program.

This new program, supported by Wells Fargo, will allow Oweesta to provide equity grants to start-up, emerging, and growing Native Community Development Financial Institutions (CDFIs) in the lower 48 states and the state of Alaska seeking loan capital from Oweesta in addition to in-depth technical assistance to support these groups in the lending process.

Native CDFIs are vital nonprofit organizations in their communities. They operate as crucial financial institutions with a mission of providing responsible, affordable lending opportunities for ‘under-banked’ individuals, especially those who are low-income and low-wealth. CDFIs serve individuals in building or repairing credit, supporting entrepreneurship, helping build assets like homeownership, and more.

Native CDFIs are often created in locations with the fewest Tribal and/or philanthropic resources, meaning for many start-up, emerging, and growing Native CDFIs, it can be difficult to access the initial seed capital for lending. This program will help Native CDFIs build capacity to attain certification with the CDFI Fund, access further capital sources, and serve their communities’ capital needs.

Oweesta anticipates serving five to seven Native CDFIs per year through this program, providing an average grant of $65,000. These grants will be provided as match to loans given by Oweesta to Native CDFIs. Native CDFIs will be selected through an open application process. To qualify for this matching grant, a Native CDFI would need to meet the following requirements:

• Be located in and serve Alaska or the Continental U.S.
• Have less than $5MM in organizational total assets
• Have less than $500,000 in non-federal debt
• Must meet all Oweesta underwriting requirements

Preference will be given to organizations that have been lending for less than five years. These Native CDFIs will be selected to participate in the program in accordance with when they are “loan ready” to receive a loan from Oweesta.

To apply for a loan and grant from Oweesta through this program, please email Isaiah Cornelius at Isaiah@oweesta.org to be invited to the application portal and for additional instructions. Please complete application by November 30, 2019. New applications will be considered on an annual basis over the next three-years.

Chrystel Cornelius, Executive Director of Oweesta, states, “This grant funding will support the incubation and growth of Native CDFIs by directly addressing capital, equity, and capacity building challenges. We are incredibly grateful for this funding as it will bolster our Native CDFIs capacity to meet target market lending demands and offer an opportunity of an equity match to our lending capital provisions. This inherently strengthens our Native CDFIs capacity to grow and strength their financial position in serving their respective tribal communities.”

“Native Community Development Financial Institutions provide affordable lending to help grow local businesses, spark job growth and help low-income and underserved people and communities succeed financially and thrive,” said Cora Gaane, Wells Fargo tribal advocate. “Wells Fargo is pleased to partner with First Nations Oweesta in its efforts to strengthen Native CDFIs and drive economic development throughout Indian Country.”
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About Oweesta
First Nations Oweesta Corporation’s mission is to provide opportunities for Native people to develop financial assets and create wealth by assisting in the establishment of strong, permanent institutions and programs contributing to economic independence and strengthening sovereignty for all Native communities. Oweesta is the only existing Native CDFI (community development financial institution) intermediary offering financial products and development services exclusively to Native CDFIs and Native communities. Specifically, Oweesta provides training, technical assistance, investments, research, and policy advocacy to help Native communities develop an integrated range of asset-building products and services, including financial education and financial products. Native CDFIs provide Native communities the tools and capital support required for real and sustainable job creation, small business development, commercial real estate development, and affordable housing/home ownership, while also offering basic banking services and financial literacy training to “underbanked” Native American, Alaska Native, and Native Hawaiian communities who have been historically targeted by predatory lending practices.
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Contact:
Krystal Langholz, Chief Operating Officer, First Nations Oweesta Corporation
krystal@oweesta.org or 303.774.8838

Note: All other grant seekers can apply through www.wellsfargo.com/donations or through the Diverse Community Capital program https://www.wellsfargo.com/com/financing/real-estate/community-lending-investment/cdfi. Wells Fargo’s current grant application process is closed for 2019.

LARGE INVESTMENT FROM BETTER WAY FOUNDATION SUPPORTS FIRST NATIONS OWEESTA CORPORATION’S LOAN CAPITAL

For Immediate Release: July 31, 2019

LONGMONT, CO – First Nations Oweesta Corporation (Oweesta) and Better Way Foundation are pleased to announce a funding commitment focused on supporting and increasing Native CDFIs’ access to capital. Better Way Foundation has dedicated $500,000 as a program-related investment (PRI) that will support lending to Native CDFIs across the nation. Eligible loan recipients are Native CDFIs located in Alaska, Maine, Michigan, Montana, Nebraska, New Mexico, Oklahoma, South Dakota, Washington, or Wisconsin.

Native community development financial institutions (CDFIs) are vital nonprofit organizations in their communities They operate as crucial financial institutions with a mission of providing responsible, affordable lending opportunities for underserved and ‘unbankable’ individuals, especially those who are low-income and low-wealth. CDFIs serve individuals in building or repairing credit, supporting entrepreneurship, helping build assets like homeownership, and more.

This $500,000 program-related investment (PRI) will increase Oweesta’s portfolio and be used for lending to Native CDFIs, supporting the work and mission of Oweesta through capitalization, allowing the organization to offer low-cost capital to the Native CDFIs it serves. “We are thrilled to make our first-ever program-related investment to Oweesta, because when we engage with communities across Indian Country, we see resilience, opportunity, creativity, and strength,” said Andreas Hipple, Executive Director of Better Way Foundation.

Chrystel Cornelius, Executive Director of Oweesta, is grateful for the support from Better Way Foundation through this PRI, stating “These funds will increase Oweesta’s financial capacity to serve Native CDFIs by allowing us to also directly address capital challenges, bringing more capital into Native communities. It will also increase our impact, which means more jobs, more homes, and more private sector development as a sustainable institution engaged in this work.”

First Nations Oweesta Corporation was created 20 years ago to address the lack of capital and financial infrastructure holding back economic development in Native communities recognized by its parent organization, First Nations Development Institute. First Nations Oweesta Corporation’s mission is to provide opportunities for Native people to develop financial assets and create wealth by assisting in the establishment of strong, permanent institutions and programs that contribute to economic independence and strengthened sovereignty for all Native communities. For more information, visit www.oweesta.org

Started in 1988 by Gerald (Gerry) A. and Henrietta (Hanky) Rauenhorst, founders of the Opus Group, Better Way Foundation is focused on building a future where child well-being contributes to strong families and communities. Better Way Foundation invests in systemic, holistic, and evidence-based approaches that support the positive development of all children, and made a 10-year, $10 million pledge to Indigenous early childhood development in 2018. Better Way Foundation supports both international and domestic partners, and has connected with exceptional community-based leaders investing in the lives of children and strengthening their communities. More information is available at www.betterwayfoundation.org.

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Contact:

Stephanie Cote Programs Officer, First Nations Oweesta Corporation
stephanie@oweesta.org or 303.774.8838

CONTACT US


Oweesta Corporation
2432 Main Street, 1st Floor
Longmont, CO 80501
303.774.8838
info@oweesta.org



Oweesta is an equal opportunity employer and provider.

ABOUT OWEESTA


Oweesta is the only existing Native CDFI intermediary offering financial products and development services exclusively to Native CDFIs and Native communities. Specifically, Oweesta provides training, technical assistance, investments, research, and policy advocacy to help Native communities develop an integrated range of asset-building products and services, including financial education and financial products.

Asset-building tools stimulate reservation economies by providing tribal members the opportunity to acquire financial management skills and build and accumulate assets through small business creation, homeownership, education, and much more.

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