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The process for applying for Nehemiah is similar to most other down payment assistance programs: Find a house and make the seller an offer. When the offer is approved, contact your loan officer. Tell your realtor you want to buy the home using the Nehemiah program.
Since 2008, the Nehemiah Corporation has been operating as a social enterprise organization. Via its affiliates and subsidiaries, it has been providing real-estate development capital for low-income neighborhoods, as well as providing instructional and other resources related to individual finance and home ownership.
The Nehemiah Program is not to be confused with the Nehemiah Housing Opportunity Grants (NHOP) program enacted in 1988 by Title VI of the Housing and Community Development Act of 1987. NHOP ceased operation in 1991 and was unrelated to the program described here.
The Nehemiah Community Foundation was founded in 2000 and provides grants to various individuals and non-profit and faith-based organizations. The Foundation developed a Wealth Empowerment Program, which provides instructional and other resources related to individual finance and home ownership.