Our mission is to promote stable, healthy homes and neighborhoods by providing services and educational programs focused on low to moderate income families in the greater Battle Creek area.
The vision of NIBC is for all families to have healthy, stable homes and neighborhoods.
We work in four program lines, all within the context of community development. Market conditions have recently dictated adjustments in how we approach parts of our business. As such, we are continuously evolving and adjusting our program to reflect the needs we see in our community.
We are a Michigan 501(C)3 non profit. We are:
- Michigan State Housing Development Authority (MSHDA) certified housing counselors;
- Licensed Michigan Mortgage Loan Originators and Servicers
NIBC is governed by a Board of Directors selected from engaged residents, community leaders, government officials, and private sector business people. Our Board represents a cross section of the Battle Creek community and is in touch with its needs and how things get done.
The organization is directed by its Chief Executive Officer along with a staff of highly-experienced, cross-trained and compassionate professionals that serve the community.
NIBC'S 4 lines of Sustainable Business Include:
Lending and Loan Servicing: NIBC provides home loans for rehabilitation and repairs. NIBC also acts as a loan servicer for other organizations and acts as a loan servicer for mortgage clients.
Housing Development and Rehabilitation: Over NIBC's History, NIBC has managed a variety of housing development and rehabilitation programs. NIBC is active in improving property value in the Greater Battle Creek Area through
Rental Property Management: NIBC rents out over 50 rental properties that the organization owns. The rental house portfolio allows NIBC to provide an essential direct service to low-income individuals and families, while providing them with a place to call home.
Homebuyer Education and Financial Coaching: The spectrum of activities under this umbrella can run the gamut from financial literacy programs taught in schools, homebuyer readiness classes, budgeting and credit repair coaching, one-on-one housing counseling, credit counseling, foreclosure prevention counseling and landlord/tenant relations.