NeighborWorks Umpqua subsidiary, Heartwood ReSources, expanding to Grants Pass

NeighborWorks Umpqua subsidiary, Heartwood ReSources, expanding to Grants Pass

Heartwood ReSources awarded Meyer Memorial Trust Grant for a new expansion

NeighborWorks Umpqua’s subsidiary is targeting Grants Pass for new store

Roseburg, OR (November 27, 2018) NeighborWorks Umpqua and Heartwood ReSources are excited to announce plans to expand Heartwood ReSources to Grants Pass. The project will be funded through a $166,619 grant award from the private Oregon foundation, Meyer Memorial Trust. This expansion will add a recycled building supply store in Grants Pass, provide new job opportunities, new recycling avenues for the area, and will improve the area’s economic vitality. Heartwood ReSources already fulfills an environmental stewardship and economic development strategy in Douglas County designed to reduce the impact on the county’s landfill.

“It’s what we do!” exclaims Marla Zoeter, Heartwood ReSources’s Store Manager.  “Heartwood ReSources provides low-cost building supplies while providing an important environmental service. Our store helps divert waste from our local landfill while acting as a resource for professional builders, contractors, homeowners, and craft enthusiasts. We have reached out to several groups in Grants Pass, including the Josephine County Solid Waste Agency and United Community Action Network and they are just as excited as we are to bring a store to Grants Pass and to begin reducing the waste in that local area.”

Heartwood Resources began as a job opportunities program of NeighborWorks Umpqua in 2001 and went on to secure its own nonprofit 501(c)(3) status in 2005.  Heartwood ReSources and NeighborWorks Umpqua are devoted to promoting equity for all and this project will bring a greater physical presence for both nonprofit organizations in Josephine County.

 “It is very important to our organization that we continue to build on our previous years’ successes,” explains Merten Bangemann-Johnson. “A few years ago, we developed a really ambitious strategic plan. NeighborWorks Umpqua would double its 25 years of community impact in 5 years. This new store location and expansion of recycling services to another county in our service area is tantamount to our plan’s success. Marla and her staff have been creating sizable environmental impact in Roseburg for years and we are excited to bring this model to the deserving residents of Josephine County.”

NeighborWorks Umpqua and Heartwood ReSources have targeted June 2019 for the store’s grand opening. To meet that deadline, new staff will be hired and trained at the Roseburg store starting in early spring, 2019.  To apply for positions for the new location visit For more information on the grand opening, make sure to visit

About Heartwood ReSources

A nonprofit donation and salvage company established in October 2001 to enhance the livability of our greater Douglas County, Heartwood ReSources provides affordable building materials, jobs and job training, public education on environmental stewardship, and promotes the retention of affordable housing.

About NeighborWorks Umpqua

NeighborWorks Umpqua is a rural-focused housing and community development non-profit committed to promoting opportunity for all through quality housing, community development, property management, financial services, education, and advocacy in order to attain economic, social and environmental sustainability and equity. Started in 1991, NeighborWorks Umpqua provides over 600 units of housing, economic development opportunities, home rehabilitation services, and direct services focused on homeownership and personal finances. 

Deer Creek Village is NeighborWorks Umpqua’s latest development

Deer Creek Village is NeighborWorks Umpqua’s latest development

NeighborWorks Umpqua’s Deer Creek Village brings new rental housing to Roseburg

NeighborWorks Umpqua’s newest multifamily rental housing development, Deer Creek Village, has been selected for funding by Oregon Housing and Community Services! Deer Creek Village will bring new rental housing options to Roseburg, helping to address the housing crisis.  Deer Creek Village will provide housing for veterans, those who experience a disability, and those with low incomes that cannot afford housing elsewhere.  The 68 unit project will be developed at a site on Douglas Avenue east of the Eastwood Park.  The site was generously donated to NeighborWorks Umpqua by Rose and Robert Rothstein in 2015.  Deer Creek Village will be the first significant multifamily project to be built in Roseburg since NeighborWorks Umpqua’s previous veteran housing project, Eagle Landing, in 2013.

Oregon Housing and Community Services awarded the project a package of funding via a competitive statewide application process.  The funding includes grants and tax credits that will be used to finance the construction of the project.  Construction will begin in 2019.  Deer Creek Village is one of 13 projects selected for funding.

Deer Creek Village will create housing that is safe, healthy, and affordable for residents of Roseburg and Douglas County that have trouble securing and retaining housing in the conventional market, due to income and/or work history, disability, age, veteran status, or experiences with housing instability, homelessness, or incarceration. The project will have a preference for veterans, especially low-income veterans with special needs, but will not serve veterans exclusively.

“Deer Creek Village is one of our most ambitious developments,” explains Director of Acquisitions and Development, Brian Shelton-Kelley. “With a design centered on community connection and enrichment, we are excited to bring more housing to market in Douglas County with this new development.  This project will help our community meet the housing needs of residents and is a $17,000,000 dollar investment into the community. We want to extend special thanks to our land donor, Rose and Robert Rothstein, whose gracious donation ensured the success of this project.”

With its mix of studio, one-bedroom, and two-bedroom units, Deer Creek Village will cater to individuals and small families making less than 60% of the Area Median Income. As nearly 30% of Roseburg residents are severely rent burdened, affordable housing is acutely needed.  Deer Creek Village is informed by the principles of inclusionary housing, seeking to provide affordable housing to a wide range of people of diverse ages, backgrounds, and abilities.  Construction on Deer Creek will begin in 2019, with completion anticipated in 2020.

NeighborWorks Umpqua is excited to bring a new multifamily development to the Douglas County area. It is still extremely early in the paperwork process, and while the organization appreciates the excitement from our community, we are unable to take applications or solicit for applications while being so far out from the beginnning of construction, tentatively set for mid-to-late 2019. Once we are close to finishing construction, we will advertise and ensure our community knows we are ready.

Leesa Cobb wants you to join NeighborWorks Umpqua Board of Directors

Join NeighborWorks Umpqua's Board of Directors

Find out why Leesa Cobb thinks you should join us!

Calling all passionate community members in Douglas, Jackson, Josephine, Curry, and Coos: NeighborWorks Umpqua is looking for you! The rural nonprofit is happy to announce open enrollment for its Board of Directors. With over 25 years of service in Southern Oregon, we want you to help us take the organization to the next level. The perfect NeighborWorks Umpqua (NWU) Board candidate will be equity and diversity-focused, and excited about serving alongside an extremely varied group of individuals from all walks of life. From skilled lawyers to passionate community members, our board members come from all sorts of different professions, backgrounds, and neighborhoods, but all take great pride and fulfillment in serving. Read what Board member, Leesa Cobb, has to say about the history of the organization and what serving on the NWU Board of Directors means in her own words.

“NWU is an organization working to make communities better, stronger, durable, and good places to live, work, and raise your family. The staff and board select projects that will make a difference and lift people up. You come into a board meeting excited about the projects in the works and leave the board meeting excited about the next projects coming up. It’s a ‘can do’ organization whose projects will often intersect with your areas of passion.

Take my passion for example. I believe there is a strong intersection between affordable housing and healthcare. I am the Executive Director of the Port Orford Ocean Resource Team and the Vice-Chair of the Coast Community Health Center and my family has been a part of Oregon since 1870. I grew up in a farming family and married into a commercial fishing family and stay active in my community. NWU’s work is critical to our area. One aspect of their services is the acquisition and retention of affordable housing in our region.  This is critical to keeping families housed. The “housing first” model is connected to better access to health care. Once you get someone into housing you can work on all the other issues, whether it’s mental health, whether it’s substance abuse, whether it’s not being able to hold onto a job. This simple connection is a key component of improving the quality of life for Oregonians and is just one of the many ways that NWU improves our Southern Oregon community!

I believe in the work of this organization. It lifts people up in a region that is struggling, offering a hand-up. My Mother taught her children to volunteer and help our community, and one of the most meaningful ways is through a Board membership with NWU. NWU gets things done. It inspires me every day because I see the projects evoke positive changes in the community.

If you are looking for a chance to improve your community, ask yourself one question. Why haven’t you applied? Apply for Board membership today. I look forward to serving with you. ”

Interested in serving on a Board of Directors dedicated to providing innovative solutions in housing, finance, and community matters? Then sign-up with NeighborWorks Umpqua’s Board of Directors today. Fill out the form below and let’s work together to create a better Southern Oregon for all!

Board of Directors Inquiry Form

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Do You Really Need a 20% Down Payment?

Do You Really Need a 20% Down Payment?

One of the most common questions we hear at NeighborWorks Umpqua from first-time home buyers is whether or not they have enough saved to buy a home. How much is enough? Sure, if you can put 20% down on the home of your dreams and cover all your closing cost, that’s great! But many people accidentally keep themselves from purchasing now because of misconceptions about the home buying process. You could buy a home with less than 20% down if you meet all the other qualifications that make you mortgage ready. Things like stable employment, a solid credit history, etc. You may be wondering if purchasing a home with little to no money down is a good financial move, we can say there are a few things to consider before leaning one way or the other.  

Do you qualify for special financing? 

There are several loan products that are available for pretty much for any financial scenario. For example, if you are low- to moderate-income household moving to or interested in living a rural area, you may qualify for a USDA loan, a low to no money down payment loan meant to help people in rural areas achieve homeownership. If you or your spouse are an active duty or honorably discharged service member, reserve, National Guard member with at least 6 years of service, your household may qualify for a VA loan. VA loans provide 100% financing.  

FHA loans can be another great option since these loans have a 3.5% minimum down payment and are more flexible on credit scores than Conventional loans. Conventional loans (loans owned by Fannie Mae or Freddie Mac) only require a 3% down payment.  

Can you be strategic? 

Let’s just say a potential homeowner inherited, is gifted, or simply saved a significant sum of money. They are going to definitely want to see if homeownership is a good fit but there is a great opportunity to make some smart money moves such as paying off high-interest credit cards, medical bills, or just start an emergency fund (fund 3-6 month of living expenses). Depending on your loan product, you may find that the difference between a 20% and a 10% payment are really not as large as you might have expected, but the potential monthly savings you may see by paying off high-interest bills could be significant!  

So, how can you choose? 

There is no right or wrong way to decide. When starting out we recommend 3 things: 

1) Talk to your family: Find out what your shared financial goals are for the future and present. 

2) Do your research: Consider setting up a Homeownership Development appointment with a HUD-approved housing counseling agency like NeighborWorks Umpqua. Another starting point could be checking out MGIC’s nifty “Buy vs. Wait “mortgage calculator so you can compare how much equity you would build by going with a smaller down payment vs. renting while you save.

MGIC Buy vs Wait Calculator  

3) Find a lender you trust: Here at NeighborWorks Umpqua, we believe in helping our customers explore all their options before deciding on the right amount of a down payment for their situation and their goals. We are truly dedicated to being with our clients through the entire process.  


Olympia Church is NeighborWorks Umpqua‘s Director of Lending and has been working to support responsible homeownership for 10 years.