Mary Ellen Judah, CEO & Executive Director, Neighborhood Concepts, Inc. (AL)

Mary Ellen Judah

“Until you’re safely and affordably housed, you can’t begin to work on whatever challenge or opportunity you have for yourself,” says Mary Ellen Judah, CEO & Executive Director of Neighborhood Concepts, Inc (NCI), who creates lasting economic and housing opportunities for underserved communities in Alabama.

Windows to the Future

A smiling older woman and a man stand outside a house holding a weather alert radio box. The woman wears a beach-themed shirt, and the man wears a "Creative Passion, Inc." T-shirt.

Gloria Wright owns a 50-year-old three-bedroom cement block home that she maintains the best she can on a fixed social security income. But major improvements are beyond her means – like new energy efficient windows to replace the original single pane aluminum frame ones.

Investing in the Future

A woman stands in a brightly lit kitchen with three children, all smiling warmly for the photo. Their close embrace and relaxed expressions reflect a sense of family, love, and togetherness in their home.

Elda Bowen was paying $1600 a month in rent out of her modest social security and retirement income. Purchasing a home significantly reduced her monthly payment. The move to Bath County also brought her and the three great grandchildren in her custody closer to relatives and the chance for a fresh start.

Living the Golden Rule

A smiling woman stands beside a young person in a wheelchair outside a brick building, near a colorful chalkboard sign that reads "Cafe OPEN NOW." Red and blue balloons add a festive touch, suggesting a welcoming and inclusive community space.

For Nikki Price, finding a two-bedroom apartment with access for her son, Kale, and his wheelchair in Belington, West Virginia, population 1700, was challenging. In addition, she doesn’t own a vehicle and needed a place that was walkable.

First-Time Homebuyers Save Time and Money by Eliminating Long Commute

A smiling couple sits closely together on a cozy, textured couch with patterned pillows. Their relaxed posture and joyful expressions reflect warmth, comfort, and a sense of home.

Newlyweds Bobbi McSwine and Tyran Price didn’t think they would qualify for a home loan because of student loans and lack of a down payment. Both traveled over an hour each way from their home in Shelbyville, Kentucky to Lexington for work, and they dreamed of saving both money and time by living closer to their jobs.

Housing Can’t Wait—And Neither Can Your State

State budgets are being decided now. Learn which housing investments matter most in your state and how leaders can take action.