Seila Mosquera, Executive Director, NeighborWorks New Horizons
 

William E. Farnsel, Executive Director, NeighborWorks Toledo Region

Carole Kauffman, VP, Director of Development & Communications, Trellis    
 

Julie Bornstein, Executive Director, Coachella Valley Housing Coalition

Rosemary M. Heard, President and CEO, CATCH Neighborhood Housing

Stuart J. Mitchell, President and CEO, PathStone Corporation

Challenge: To rebuild deteriorating housing and employment opportunities in Puerto Rico's Route 123 Heritage Area, amid a crumbling infrastructure and shrinking tax base that have crippled the ability of local governments to meet needs.

Rollin Wood, executive director, Native Partnership for Housing

Challenge: The Navajo Nation covers more than 27,000 square miles. Seventy percent of those living in the nation earn less than $15,000 per year. Many banks will not lend to residents of sovereign Native American Nations out of fear they will not be able to foreclose on delinquent loans.

Mike Loftin, Chief Executive Officer, Homewise, Inc.

Dennis Oshiro, Executive Director, Hawaii HomeOwnership Center

Challenge: Due to the high cost of homes, condominiums can be an affordable alternative for low-income families. But with costly down payments, pricy mortgage insurance and strict FHA requirements, it can be difficult for first-time homebuyers to secure loans for these purchases.

Jim King, President and CEO, Fahe

Challenge: Central Appalachia had an estimated 100,000 units of substandard or overcrowded housing. Housing nonprofits serving the area could only produce 2,000 units annually. The organizations thus needed to change the way they did business to meet the challenges in the impoverished region.