NeighborWorks of Grays Harbor

What NeighborWorks of Grays Harbor does

NeighborWorks of Grays Harbor is a Washington-state 501(c)(3) nonprofit housing organization, established in 1981 and headquartered at 710 E. Market Street, Aberdeen. It is a Charter Member of the NeighborWorks America network, a federally connected ecosystem of nearly 250 chartered housing nonprofits, which provides restricted capital funds, training, and the NMLS# 2125732 license that enables direct mortgage origination. The organization serves low- and moderate-income residents of Grays Harbor County through an integrated stack of housing services delivered under one roof: no-cost HUD-approved one-on-one housing counseling (budgeting, credit repair, mortgage default prevention), online homebuyer education via the eHome America platform, first mortgage financing for income-qualified buyers, Down Payment Assistance (DPA) second mortgages of up to $50,000 at 2% simple interest with deferred payments, and affordable home rehabilitation loans funded through a revolving loan fund operating for 35+ years. The organization is also a landlord, owning and operating 38 rental units throughout Aberdeen and Hoquiam (16 rent-subsidized in partnership with Grays Harbor Housing Authority, the remainder priced at or below fair-market rent), and supplies weatherization assistance for existing homeowners.

The business model is a hybrid nonprofit operating structure funded by diversified revenue streams rather than traditional SaaS-style monetization. Grants and donations from community banks (Timberland Bank, Bank of the Pacific, 1st Security Bank, TwinStar Credit Union), government agencies (Grays Harbor County Department of Health, Washington Department of Commerce, Housing Trust Fund), and the parent NeighborWorks America support free advisory services. Loan interest income accrues on the DPA portfolio (2% simple, deferred) and the rehabilitation revolving loan fund. Below-market and subsidized rental income generates recurring receipts while fulfilling a direct service mission. Customer acquisition is sales-led and ecosystem-driven: direct walk-in office service, lender referrals and co-marketing, community presentations, a 25-year "Nailing It Down" weekly newspaper column, radio interviews, and Facebook engagement. There is no proprietary technology; service delivery relies on human counselors, a loan originator, and a construction manager, supported by third-party platforms (eHome America, Wix-hosted web).

Lead governance rests with a volunteer board of directors, with leadership transitioned from longtime Executive Director Dave Murnen to current Executive Director Eric Bjella. Forward capacity expansion is signaled by a Grays Harbor County Department of Health-funded feasibility study (completion targeted September 2026) for a vacant south Aberdeen parcel intended to support up to 15 modular housing units, with additional utility and site-preparation funding being pursued — an initiative that could grow the rental portfolio by roughly 40%.

Name

NeighborWorks of Grays Harbor

Legal name

NeighborWorks of Grays Harbor

Website

https://nwghc.org

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

NeighborWorks of Grays Harbor is a 1981-founded nonprofit housing organization serving income-qualified residents of Grays Harbor County, Washington. It delivers free HUD-approved housing counseling, first mortgages, up-to-$50,000 Down Payment Assistance loans, home rehabilitation loans, weatherization, and 38 rental units.

Ownership category

akta.pro rank

Product category

Affordable Housing Services

NAICS

Residential Building Construction (23611)

SIC

Operators Of Apartment Buildings (6513), Real Estate (6500)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industry

Housing & Neighborhood Services (Local Housing Programs) (BPAIACAJ)

Keywords

• Affordable housing
• Down payment assistance
• Housing counseling
• Homebuyer education
• Rental housing services

Headquarters

HQ city

Aberdeen

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain

Revenue model

1. Donations and Grants: The organization receives donations from local banks (Timberland Bank, Bank of the Pacific, 1st Security Bank, TwinStar Credit Union) and grants from government agencies (Grays Harbor County Department of Health, Department of Commerce, Housing Trust Fund).
2. Loan Interest Income: Down Payment Assistance loans carry a 2% simple interest rate. Payments are deferred until the primary loan is paid off or the property is sold/refinanced.
3. Rental Income: 38 rental units throughout Aberdeen and Hoquiam. 16 are rent-subsidized units; remaining homes are offered at or below fair-market rent.
4. Rehabilitation Loan Program: Revolving loan fund for home repairs provided to qualified homeowners at affordable interest rates. As loans are paid back, funds become available for another project.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

NeighborWorks of Grays Harbor is a nonprofit housing organization that provides safe, affordable, and sustainable housing through homebuyer education, first mortgage financing, down payment assistance loans, home rehabilitation loans, free HUD-approved housing counseling, and rental housing. The organization serves income-qualified residents of Grays Harbor County, Washington, operating 38 rental units and offering comprehensive housing services spanning nearly 50 years.

Product overview

NeighborWorks of Grays Harbor is a nonprofit housing organization offering a suite of integrated housing services to Grays Harbor County residents. The core offerings include Down Payment Assistance loans (up to $50,000 at 2% interest, deferred payments), 1st Mortgage Financing for income-qualified buyers, and a Home Rehabilitation Loans program with construction management oversight. Supporting services include free HUD-certified Housing Counseling (pre-purchase budgeting, credit coaching, mortgage default prevention), eHome America online homebuyer education courses, and weatherization services. The organization also manages 38 rental units (16 rent-subsidized) and is developing a 15-unit modular housing project. The Down Payment Assistance and mortgage programs work together to help borrowers qualify for homes in higher price ranges.

Differentiator

Problem solved

Functional benefit

Products and services

• Down Payment Assistance Loans Second mortgage loans for qualified borrowers to help with down payment, requiring no monthly payments and paid off when the house is sold or refinanced. The DPA loan carries a 2% simple interest rate and is available to households earning up to 100% of area median income, with up to $50,000 in assistance available.
• 1st Mortgage Financing Primary mortgage loans for income-qualified residents of Grays Harbor County to purchase homes, often offered in conjunction with Down Payment Assistance loans.
• eHome America Homebuyer Education Online homebuyer education course for Western Washington residents outside the greater Seattle-Tacoma area, enabling qualification for first-time homebuyer programs.
• Free Housing Counseling No-cost, one-on-one counseling services including pre-purchase budgeting, credit history cleanup, home loan analysis, mortgage default assistance, and landlord-tenant relations support.
• Home Rehabilitation Loans Affordable revolving loan fund for homeowners to make homes safer, more livable, and better maintained. Includes construction management oversight and contractor selection assistance. Income restrictions apply (50-120% of median income).
• Weatherization Services Home weatherization assistance including insulation, ventilation improvements, and energy efficiency upgrades to help homeowners reduce energy costs and protect homes from moisture damage.
• Rental Housing Units 38 rental units throughout Aberdeen and Hoquiam, including 16 rent-subsidized units and remaining homes offered at or below fair-market rent.

Quantifiable outcome

• A three-person household earning $85,400 (100% AMI) may qualify for up to $50,000 in Down Payment Assistance

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Grays Harbor County Department of HealthcoreStrategic or Co-development PartnerGranted funding for a feasibility study of vacant property owned by NeighborWorks in south Aberdeen. Study outlines development costs for up to 15 modular housing units, expected completion September 2026.
• NeighborWorks AmericacoreStrategic or Co-development PartnerParent corporation providing network support, restricted capital funds, and national advocacy. NWGH is one of nearly 250 chartered organizations across all states.
• Grays Harbor Housing AuthorityminorStrategic or Co-development PartnerPartnership for providing subsidized rental units through the organization.
• Local ContractorsminorChannel Partner/ Reseller/ DistributorApproved contractor pool for home rehabilitation projects. Contractors appreciate clear work scopes, allowance for change orders on hidden damages, and assured payment.
• Habitat for HumanityminorStrategic or Co-development PartnerLocal Habitat for Humanity Restore in Aberdeen mentioned as partner for home improvement and community development.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NeighborWorksGH

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NeighborWorks of Grays Harbor