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Housing Development
Housing Development
Foreclosure Counseling
Self-Help Housing
Home Rehabilitation
Home Ownership Counseling
Modular Homes

Carla Potts

Housing Development Programs Department
Carla Potts, Deputy Director

Home Weatherization & Rehabilitation: Ken Schneidler, Director
Housing Property Management: Anita Lemke, Director
Foreclosure Mitigation Program: JD DeShaies, Counselor


This Division of NECAC covers the following needs in the community. 

NECAC works closely with the Missouri Housing Development Commission (MHDC), USDA Rural Development, HUD and private investors in the planned development, acquisition and renovation of quality affordable housing.  Since 1997, NECAC has been a partner in the construction, renovation, management or planned development of more than 1300 apartments for the elderly, families and the disabled.  This represents an investment of more than $61.5 million in providing quality housing.  NECAC is a nationally chartered member of NeighborWorks America and Rural Local Initiatives Support Corporation (Rural LISC.)

NECAC provides individual counseling to help persons mitigate their foreclosures.  NECAC works closely with each family with financial and credit counseling.  NECAC also works with the lender and/or servicer to mitigate the mortgage.

The USDA Rural Development Self-Help Housing Program offers working families and individuals the opportunity to own a home.  Applicants must meet federal income and credit guidelines and are eligible for low interest loans through USDA Rural Development.  Families work together as teams building each others homes during evenings and weekends with construction supervision from NECAC.  The families save money by pooling resources and labor.

NECAC operates home rehabilitation programs throughout the 12 county area.  NECAC utilizes a variety of funding sources including USDA Rural Development, Missouri Housing Development Commission (MHDC) as well as the Federal Home Loan Bank of Des Moines, to provide home rehabilitation services.  Services that may be provided include: new roofs, new heating systems, insulation, handicap accessibility services, siding, etc.

NECAC provides both group and individual counseling to prospective homeowners to help them on their path to homeownership.  Counseling includes: financial as well as credit counseling, how to shop for a home and a loan and home maintenance.  NECAC offers down payment assistance in the St. Charles communities of St. Peters, St. Charles, O’Fallon and Wentzville.

Since 1997, NECAC's been a partner in the construction, renovation, management or planned development of more than 1,300 apartments for the elderly, families and the disabled.  The developments represent an investment of more than $61.5 million in providing quality housing.

On Jan. 30, 2007, NECAC and its partners broke ground on the $6.5 million, 52-union Mill Pond Senior Apartments in O'Fallon, and completion is expected by the end of the year.

Construction was completed in 2007 on the $2.5 million, 54-unit addition at the Wyndham Park Senior Apartments in St. Peters, and work is expected to be done by early 2008 on the $2.8 million, 60-union addition at the Gentemann Manor Senior Apartments in O'Fallon.

Renovation was also a key component of NECAC's housing development efforts in 2007.  The $2.9 renovation of the 72-unit Anderson Apartments in Palmyra was completed in 2007, and work proceeded on the Oakbrook and Hannibal apartment complexes in Hannibal.