Over her 15 years as a homebuyer education teacher, credit boot camp instructor and counselor at Urban Edge, Gercide Luc has talked with people of many backgrounds. She's listened to questions. She's noticed trends. One of those trends included an increase in the number of Haitian clients seeking to talk to her about foreclosure.

Arlanda Brantley says she doesn't come by exercising naturally. Nature? That's not exactly her thing, either. Yet every Saturday, she leads a group of Black women on walks through Waterbury, Connecticut.

There's a growing divide between those who can access services digitally – like education, work and health care -- and those who can't. The issue is top-of-the-mind for housing practitioners, who often work with the very individuals that the divide is hurting the most. Some NeighborWorks network organizations are already working on solutions, such as setting up hotspots and working WiFi into their future projects. 

Nationwide, there are nearly 40,000 homeless U.S. veterans. NeighborWorks network organizations are working to reduce that number. One of those organizations is Southwest Solutions. 

 It's the leafy greens and peaches that residents go for the most this time of year, shares Carly Sanders, food program director for NeighborImpact. She's talking about the fresh produce that comes from a partnership between the NeighborWorks network organization and High Desert Food and Farm Alliance (HDFFA). The HDFFA matches farmers who have extra produce with NeighborImpact's food bank. 

In Aurora, too many households – 1 in 6 – have zero net-worth, says Rick Guzman, CEO of The Neighbor Project (TNP), a NeighborWorks network organization. His nonprofit formed in 2018 to do something about it, with a focus on helping low- to moderate-income individuals build financial health and wealth. Much of this takes place through the newly formed Aurora Financial Empowerment Center. Now in its second year of operation, the center has already served 672 families. 

Pensacola Habitat for Humanity, a NeighborWorks network organization in Florida, has instituted a new weatherization program. WRAP (Weatherization & Repair Assistance Program) will use funds from Gulf Power to provide subsidized loans for low-income families who need critical home repairs.

Cleo Jones' home in Birmingham, Alabama's Finley subdivision needed some work. He'd saved up for