Market Overview

Retired Natchez Food Service Worker Gets New Roof with SNAP Grant


Home Bank and FHLB Dallas Provided Funding

Della Johnson's roof had been leaking into a bedroom for almost a year.
It happened every time it rained.

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A $5,000 Special Needs Assistance Program grant from Home Bank and FHLB Dallas provided a new roof f ...

A $5,000 Special Needs Assistance Program grant from Home Bank and FHLB Dallas provided a new roof for a retired Natchez, Mississippi, food service worker. (Photo: Business Wire)

After consulting a local roofing contractor, Ms. Johnson, 74, learned
she needed a new roof. The contractor referred her to the Special Needs
Assistance Program (SNAP), a grant program offered by the Federal Home
Loan Bank of Dallas (FHLB Dallas) through its member institutions.

"Before that, I didn't know a thing about SNAP," said Ms. Johnson, a
retired restaurant and food service employee who lives with her daughter
and four grandchildren. "Without SNAP, I had no way of getting it fixed.
I couldn't have afforded it if I had to pay for it myself."

Awarded on a first-come, first-served basis, SNAP grants provide funding
for the repair and rehabilitation of owner-occupied housing of eligible,
special-needs individuals, which can qualify for the grants based on
age, disabilities, income and other eligibility standards.

Since SNAP's inception in 2009, more than $13.1 million has been awarded
in grants through FHLB Dallas member institutions to assist more than
2,600 families across FHLB Dallas' five-state District of Arkansas,
Louisiana, Mississippi, New Mexico and Texas. The $2 million in 2018
SNAP funding, made available in January on a first-come, first-served
basis, has been exhausted.

Ms. Johnson received a $4,957 SNAP grant through FHLB Dallas member Home
Bank. She said she applied for the funds with the help of the city of
Natchez's Planning and Community Development Department.

"Maintaining a home can be a very expensive endeavor for our
residents who live on fixed incomes," said Mayor Darryl V. Grennell.
"The SNAP program has provided a hand-up to fund much-needed health and
safety repairs, and the city of Natchez is happy to be a part of it."

Home Bank Vice President and CRA Officer Brandon Kelly said SNAP grants
have helped people like Ms. Johnson who have retired, only to discover
their retirement income won't cover high-cost home repairs.

"Ms. Johnson's new roof should keep her, her daughter and her
grandchildren safe and dry for many years to come," Mr. Kelly said. "We
can't say enough about the good things SNAP is doing in our community."

Greg Hettrick, first vice president and director of Community Investment
at FHLB Dallas, applauds Home Bank for its utilization of SNAP to assist
in-need residents in the Natchez community.

"SNAP is designed to help with critical repairs that affect the health
and safety of residents who often are on fixed incomes and who may be
elderly or disabled or have other special needs," said Mr. Hettrick.
"Home Bank has been very proactive in helping residents in Natchez via
its support of and use of FHLB Dallas SNAP funding."

Without the SNAP grant, Ms. Johnson said the leak probably would have
persisted and gotten worse, leading to further home maintenance issues.

"I just appreciate that SNAP came along because I was really in need of
a roof," she said.

To learn more about SNAP, visit

About Home Bank

With 39 locations across South Louisiana and Western Mississippi, Home
Bank is committed to serving the needs of its communities. Personal
banking has always been Home Bank's trademark, and that tradition
continues as the company grows, invests and serves its clients and
community. For more information about Home Bank, visit

About the Federal Home Loan Bank of Dallas

The Federal Home Loan Bank of Dallas is one of 11 district banks in the
FHLBank System created by Congress in 1932. FHLB Dallas, with total
assets of $75.9 billion as of June 30, 2018, is a member-owned
cooperative that supports housing and community investment by providing
competitively priced loans and other credit products to approximately
825 members and associated institutions in Arkansas, Louisiana,
Mississippi, New Mexico and Texas. For more information, visit

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