In order to ensure excellent service to all customers and to be responsive to the COVID-19 pandemic we are retooling our program. Applications to the Dream$avers Program are delayed. Please check back here often. Thank you for your patience. If you are a current IDA customer and have questions about the program, please reach out to your coach.

Have you heard? Applications are currently paused.

NeighborWorks Umpqua is currently evaluating received applications. Due to the organization’s change in the application process, NWU will only accept applications from individuals who have not previously graduated from the program, the staff needs extra time to evaluate submitted applications before reopening the sign-up form. For more information on the announcement, click here.

Do you have a dream? Let NeighborWorks Umpqua help.

Find out how our Dream$avers program can help you achieve your goals through our matched savings program. Our experts have helped many Oregonians reach their dreams of homeownership, going to college, opening their own business, and more.

What is Dream$avers?
Dream$avers is a unique service offering from NeighborWorks Umpqua. It is an Individual Development Account or IDA program designed to help Oregon residents reach for a brighter future by quadrupling your savings. The applications for Dream$avers is vast. It can be applied to repair and maintain your home, to help you get job training, and more! We can help you work towards your dream by matching every dollar you save, up to $3,000, with another three dollars. Even a small monthly deposit will add up! In addition, as a Dream$aver you receive education and training to help you meet your financial goals, start a business, plan your career, or purchase or repair a home.

Is your goal: You may qualify for the program if you are:
  • To Go to College
  • 12 years or older
  • To Get Job Training
  • An Oregon resident
  • To Become Employed
  • A member of a household that meets the income and net worth limits requirements
  • To Get a better job
  • Willing and able to save for 6 months to 36 months
  • To Access Dental Services
  • To Buy A Home
  • To Start A Business
  • To Buy a vehicle
  • To Repair or maintain your home

If you qualify for Dream$avers, our team of IDA specialists can provide you with training, goal setting guidance, and will support you so you can achieve your savings goals.

For more information please call 541-671-5842 or click here to email us.

What can the funds be used for?
The applications are nearly endless! You can use the funds to buy a vehicle, save for your education, buy a home, pay for dental work, invest in your business, and much more. For more information make sure to contact us.
What are the qualifications for Dream$avers?

To qualify, applicant households must be within the income and net worth limits for the Dream$avers Program. What does that mean? It means, depending on the number of people within your household, you must not go over the following income limits:

2019 Income Limits

Household Size Maximum Income
 1  $42,200
 2  $48,250
 3  $54,300
 4  $60,300
 5  $65,150
 6  $69,950
 7  $74,800
 8  $79,600

For more information please call 541-671-5842 or click here to email us.


What does the process for Dream$avers look like?
  1.  NeighborWorks Umpqua receives an inquiry from a potential customer via phone call, a web form entry, or in-person visit. Within 24 hours a NeighborWorks Umpqua financial will reach out and assess the customer.
  2. Customer completes a Dream$avers application and turns it in to NeighborWorks Umpqua. The application will be reviewed within 10 days. If the customer is income-qualified, they will have 10 business days to schedule Financial Coaching appointment. Appointments cost $50 plus a credit report fee.
  3. After a successful appointment, a Dream$avers bank account must be opened with a specific partner bank in 30 days.
  4. Within 90 days, successful participants will take an education class, determined by their Dream$avers goal. Class fee is $100.
  5. Applicant begins saving for 6 months – 3 years, saving up to $3,000 total dollars, with a maximum $9,000 match for $12,000 total dollars.

Want to get started? Reach out today by filling a form on the page!

Do you have Individual Development Accounts for youth?

Short answer: yes! Saving for a college education or career training is one of the best investments you can make in your future. We have a special Dream$avers service just for students age 12+ enrolled in Oregon schools or GED programs.

Thanks to a grant from the Ford Family Foundation, we are able to provide Individual Development Accounts (IDA) or matched savings accounts to qualifying students who are saving to go to college or trade school. If students meet Dream$avers requirements and can save up to $3000 for college or trade school, NeighborWorks Umpqua can match those savings 3:1.

     $3,000 of YOUR savings
+   $9,000 Dream$avers Youth IDA match 
= $12,000 to pay for your education, debt free!

Funds never have to be repaid. A Dream$avers Youth IDA Specialist will help you create an Education/Career Plan and complete a Financial Education workshop to help you prepare for your future. There is no cost for participation in Dream$avers Youth IDA!

To qualify, applicant households must be within the income and net worth limits for the Dream$avers Program.

For more information please call 541-671-5842 or click here to email us.

How is the Dream$avers Program Funded?
The Individual Development Account (IDA) Initiative is supported by funding from the Oregon IDA Tax Credit. The Oregon IDA Tax Credit allows donors the chance to support IDA participants like ours and get back a 70% credit on your State tax return.

For more information, visit or learn about the IDA program in your part of the state at

Help Us Change Southern Oregon


Our work in the Southern Oregon would not happen without support from the local community and donors like you. Donate to NeighborWorks Umpqua today.


Volunteering with NeighborWorks Umpqua in your spare time is one of the best ways to positively impact Southern Oregon. No matter where you live, chances are we will have a project near you in the future.


When you partner with NeighborWorks Umpqua, you will make a lasting impact on the Oregon community for generations to come.  NeighborWorks Umpqua will find a way to put your love for your community to work. Find out how you can partner, today.