Residents Given New Homeownership Support
Homes Built, Rehabbed or Saved from Foreclosure
0 Million
Economic Impact of Homes Saved from Foreclosure
Families Per Year Given Homeownership Training
Families Per Year Given Financial Literacy Training
New Homeowner Retention Rate
Increased Home Values in WIN Neighborhoods
Received Energy Efficiency Training and Consulting
Received Community Leadership Training


Research throughout the United States and in our own community demonstrates the measurable improvements in health, education, community safety, stability and wealth generation of increased homeownership.

Children of homeowners
  • Are more likely to stay in school

  • Have higher math skills

  • Have improved reading skills

  • Have fewer behavioral problems

  • Have a higher graduation rate

Communities with more homeowners
  • Had improved health outcomes

  • Reduced crime rate

  • A decreased dependence on government assistance

  • Greater community participation

  • Improved mental health

*These findings hold true even when other factors are taken into account

Our mission is to build sustainable, resilient, and financially literate communities. Here are just a few examples of our impact over the past 40 years.


The Challenge:

In 2008 the country was experiencing a serious economic crisis and low-income communities were hit especially hard. Home prices in College Hill were plummeted from an average selling price of $108,461 to $73,000. Predatory lending practices are common in low income communities where residents traditionally have little access to financial literacy training. In College Hill there were 12 foreclosed homes on Cedar Avenue alone and lenders had sold 50% of the homes for under $20,000. The neighborhood was in a critical situation.

At the request of the College Hill Community Council, WIN stepped in to help stop the rapid decline of the community and help stabilize and rebuild home values and the neighborhood.

WIN’s Efforts in College Hill:

  • Building and rehabbing vacant houses

  • Energy efficiency upgrades

  • Foreclosure prevention counselling

  • Homeownership classes

  • Financial literacy training

  • Improved credit counseling

Impact of WIN Programs and Resident Efforts:

  • To date, WIN has built and/or rehabbed 15 homes in College Hill

  • The average sale price of a home in this community is now $130,000

  • These new homeowners are now contributing to a more safe, stable, and resilient community

One Family’s Story:

Picking the Paint Color

Kim is one of the homeowners who went through WIN’s program in College Hill. She had finished WIN’s homebuyer classes, including classes in financial planning, saving, and obtaining loans, but she never dreamed she would eventually be able to purchase a WIN home. Now, thanks to the WIN programs, she owns a newly remodeled three-bedroom home on Cedar Avenue and lives there with her twin six-year old boys.

There’s only one thing more powerful than providing a home for your children, and that’s providing a home for them while teaching them that they can be an important part of that process. Kim worked with the boys prior to purchasing their new home and shared with them some of the financial success strategies she had been learning in the WIN program. Then she promised the boys, “If we work together and you boys help save money, you can pick the color of paint for your room.” Now the boys live in a home that they actively contributed to purchasing.

This has been one of the more powerful outcomes of our WIN programs. “When we see financial literacy being passed on to future generations, that’s one of the ways we know we are making a lasting impact.” says Hope Wilson, WIN’s Operations Director.

“WIN’s work not only transforms brick and mortar buildings, but also families’ futures, especially those families who are ready to work together to purchase their first homes.”

—Sister Barbara Busch

A thriving community is one that’s empowered to work together to address issues and tackle challenges to make lives richer and more productive.


The Challenge:

South Cumminsville was a neighborhood with a multitude of issues. Factory jobs had moved overseas, businesses were moving out, storefronts stood empty, and houses stood abandoned. Over time sidewalks began to crumble and crime started creeping into the community. When residents got the news from the Health Department that, along with the area being designated a food desert, life expectancy was also declining, they knew they needed to take action.

That’s when residents reached out to WIN. Working side by side with community members, WIN was able to provide South Cumminsville with the resources, training, and support they needed to stop the decline and start rebuilding their community.

WIN’s Efforts in South Cumminsville:

  • WIN began building and rehabbing vacant houses

  • Residents signed up for Financial Literacy Training

  • The WIN team worked with homeowners on foreclosure prevention

  • Upgrades were made to homes to make them more energy efficient

  • Community leaders were recruited and trained

  • Residents participated in Homeownership Classes

  • WIN provided Improved Credit Counseling

Impact of WIN Programs and Resident Efforts:

  • To date, WIN has built and/or rehabbed 65 homes in South Cumminsville

  • A Community garden was created to address the need for fresh food

  • Updates were made across the community to sidewalks, parks, storefronts

  • WIN developed 18 apartments for seniors

  • A walking school bus was created to help children get to school safely

A Young Community
Leader’s Story

WIN’s powerful commitment to giving residents the training and the tools they need to take responsibility for their own lives leads to individuals, young and old, becoming the leaders driving positive change in their communities for decades.

At 18 years old, Iyah Brown is one of those leaders. Iyah is the coordinator of the WIN Community Garden in South Cumminsville and she is helping change her community from a food desert to a healthy thriving neighborhood. She coordinates the monthly garden club meetings, manages the garden plots, and even has her own plot where she grows food for her family. Iayh and her family reside in one of the 58 houses that WIN has rehabbed in the area and they are an integral part of the revitalization of South Cumminsville.

“WIN does a fantastic job of finding ways to coalesce people from neighborhoods with people and resources from the broader community to produce great outcomes in housing, community development and individual empowerment. WIN itself is a significant asset to this region and beyond.”

—Ed Diller, Senior Counsel – Taft Stettinius & Hollister LLP


WIN serves individuals and families in the Greater Cincinnati Region. The specific geographic regions served by each program are listed below:

Housing Development: Targeted City Neighborhoods in Hamilton County (currently Northside, College Hill and South Cumminsville)

Financial Capability: Southwest Ohio (Adams, Brown, Butler, Clinton, Clermont, Hamilton, Montgomery, and Warren Counties), Northern Kentucky (Boone, Campbell, and Kenton Counties), and Eastern Indiana (Dearborn, Ohio, and Switzerland Counties).

Energy: Ohio Counties: Butler, Warren, Hamilton, Clermont, Brown, and Clinton Counties. Kentucky Counties: Boone, Kenton, Campbell, Grant, and Pendleton Counties.

Community Building: Targeted City Neighborhoods, with a strong focus in South Cumminsville and surrounding neighborhoods.

Working In Neighborhood's geographic footprint