News & Events

Home Again: A Veteran’s Story

03/25/15 at 09:50 AM by Jillian Hanes

As a United States Army veteran who fought in three wars, Rudy never thought he’d have to fight for his own home.  But when unforeseen circumstances ravaged his life savings, he stood strong – reverting back to his military training of never giving up. In his persistence to find a solution, he found Neighborhood Housing Services – an ally that would build him up and give him the tools he needed to retain the home that he had worked so hard for over the years.

In November 2014, Rudy came to NHS in a state of desperation.  This recently retired veteran, who spent 37 years serving his country, was several mortgage payments delinquent and in danger of losing his home to foreclosure. Both an unexpected divorce and a lengthy waiting period for his retirement pay to begin drained his income – causing him to fall behind in his bills.  Rudy was only four years away from owning his home, free and clear.

When the bank denied a modification on his loan, Rudy came to NHS’ Foreclosure Prevention Housing Counselor, Apryl Richmond for help with an appeal letter.  She submitted the packet just two days later!  Over the next several weeks, the bank failed to respond to their multiple calls about Rudy’s status, so Apryl called her point of contact at the bank to intervene.  Instead of just being approved for a repayment plan, Rudy was approved for a loan modification – beginning with a three month trial payment plan.

“I was down on my luck and NHS miraculously appeared!” said Rudy.  “Apryl gave me hope.  She was empathetic, treated me with dignity, and gave me the tools to help myself.”

This is the goal of NHS’ Foreclosure Prevention Counseling Program – to help people determine strategies to prevent foreclosure, and develop a plan to get them back on track with their mortgage payments.  We empower people with the education and resources to take back the control over their lives.

NHS is the only HUD-approved housing counselor in the Treasure Valley that provides primarily face-to-face foreclosure prevention counseling, and our service delivery policies and procedures are based on National Foreclosure Mitigation Counseling (NFMC) standards.  According to an Urban Institute study, homeowners who work with NFMC counselors were nearly twice as likely to cure a serious delinquency or foreclosure, and nearly three times as likely to receive a mortgage modification.  In addition, counseled homeowners were 1.5 times more likely to not have their mortgage re-enter a troubled status after receiving a loan modification. 

With persistence and help from NHS, Rudy came out victorious in the fight to get his home back.  After successfully completing his three month trial payment plan, Rudy’s mortgage modification has been approved and he is regaining the stability that he once knew.

“My back was against the wall, but I just kept on pushing and never gave up,” he admitted.

While we love seeing these success stories in our Foreclosure Prevention Counseling Program, Neighborhood Housing Services is especially grateful that we got the chance to empower and help save the home of a man who fought so many years for the country we call Home.

For more information about NHS’ Foreclosure Prevention Counseling Program, visit our website or contact Apryl at 258-6217 or

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