From homeless shelter to homeowner

By Lauren Lowrey - bio | email 

Posted by Nick Dutton - email

TOLEDO (WTOL) - Until a year-and-a-half ago, Sandy Hendrix had no credit and barely any belongings. Now she's giving a tour of the first home she has ever owned.

"I find myself sitting down, in the quiet, and looking around and just still in awe."

She started saving money in an individual development account offered through the Northwest Ohio Development Agency or NODA.

"For every dollar you save, we give you two additional dollars. So we would match $1750 with $3500 and you could end up at the closing table with $5250."

There are requirements to the program, like a steady job with a low income and plans to buy your home in Lucas County. As long as you save $25 a month, they'll match your money up to $1750.

"We want you to succeed. By the end of the time that you're saving, we want you to be able to buy a house with conventional means."

For Sandy, that process took 18 months. It was a short wait for the American dream she never knew would be possible.

"Never would I think that I would own a house."

There are 11 slots for those qualifying.


  1. Income Limit: 200% Federal Poverty Guideline (Family of 4=$42,400)
  2. Must live in Lucas County and purchase the home in Lucas County. (From 3 banks: National City, Fifth Third, and Huntington Bank.)
  3. Must save at least $25 per month, can save more.

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