HHooppee,, HHoommeess aanndd CCoommmmuunniittyy · Must be unable to afford necessary home...
Transcript of HHooppee,, HHoommeess aanndd CCoommmmuunniittyy · Must be unable to afford necessary home...
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Printed March 11, 2013
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Rice County Habitat for Humanity Mission Statement
Rice County Habitat for Humanity partners with families who otherwise may be unable to achieve
the dream of home ownership by establishing partnerships among God’s people to build simple,
decent, affordable homes.
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What the poor need is not charity but capital, not caseworkers but co‐workers.
And what the rich need is a wise, honorable and just way of divesting themselves of their overabundance.
The History of Habitat Habitat for Humanity International was founded in 1976 by Millard and Linda Fuller. Today, Habitat for Humanity is a true world leader in addressing the issues of poverty housing.
Koinonia Farm The concept that grew into Habitat for Humanity International was born at Koinonia Farm, a small, interracial, Christian community outside of Americus, Georgia. Koinonia Farm was founded in 1942 by farmer and biblical scholar Clarence Jordan. The Fullers first visited Koinonia in 1965. They had recently left a successful business and an affluent lifestyle in Montgomery, Alabama to begin a new life of Christian service. At Koinonia, Jordan and Fuller developed the concept of ʺpartnership housing.ʺ The concept centered on those in need of adequate shelter working side by side with volunteers to build simple, decent houses. The Fund for Humanity The houses would be built at no profit and interest would not be charged on the loans. Building costs would be financed by a revolving fund called “The Fund for Humanity.” The fundʹs money would come from the new homeownersʹ house payments, no‐interest loans provided by supporters and money earned by fund‐raising activities. The monies in the Fund for Humanity would be used to build more houses. The Fund for Humanity’s mission statement The Fund for Humanity will meet both of these needs. Money for the fund will come from shared gifts by those who feel they have more than they need and from non‐interest bearing loans from those who cannot afford to make a gift but who do want to provide working capital for the disinherited . . . The fund will give away no money. It is not a handout.
Inception of Habitat for Humanity In 1968, Koinonia laid out 42 half‐acre house sites with four acres reserved as a community park and recreational area. Capital was donated from around the country to start the work. Homes were built and sold to families in need at no profit and no interest. The basic model of Habitat for Humanity was begun.
Expansion into Habitat for Humanity International In September 1976, Millard and Linda called together a group of supporters to discuss the future of their dream. Habitat for Humanity International as an organization was born at this meeting. The eight years that followed, vividly described in Millard Fullerʹs book, “Love in the Mortar Joints,” proved that the vision of a housing ministry was workable. Faith, hard work and direction set HFHI on its successful course.
Phenomenal growth In 1984, former U.S. President Jimmy Carter and his wife Rosalynn took their first Habitat work trip, the Jimmy Carter Work Project, to New York City. Their personal involvement in Habitatʹs ministry brought the organization national visibility and sparked interest in Habitatʹs work across the nation. HFHI experienced a dramatic increase in the number of new affiliates around the country.
Today, Habitat for Humanity has built more than 400,000 houses, sheltering more than 2 million people worldwide.
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Is Affordable Housing Really Needed in Rice County?
RENTS HIGH, EARNINGS LIMITED
In order to afford rent and utilities for a safe, modest two‐bedroom apartment at the fair market monthly rent of $770, Rice County workers would need to earn $14.81 per hour, 40 hours per week, all year long. The typical renter in the county, however, earns the equivalent of $9.37. At the minimum wage of $7.25 per hour, a worker must work 2.0 full time jobs to afford this rent.
Minnesota Housing Partnership 2446 University Avenue West, Suite 140
Saint Paul, MN 55114-1740 www.mhponline.org p: 651-651-1710 f: 651-649-1725
It is considered “affordable” if a household pays no more than 30% of their gross income for housing.
In Rice County, about 2,084 owner and 832 renter households pay at least half of their income for housing—a level considered severely unaffordable.
When housing is unaffordable, families are forced to choose between paying for housing and other needs, such as food or medicine.
Number of Households Impacted3
Household Income RentersRenters Owners
Below $20,000 1,430 1,365 $20,000 - $34,999 528 993 $35,000 - $49,999 276 773 Over $50,000 59 2,142
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Palmquist Family 754 Sibley Dr, Northfield
2000
Warring Family 404 Bunker Dr., Northfield
Blake Family 17206 Lamb Ave., Nerstrand
Avalos Family 17208 Lamb Ave., Nerstrand
Thrivent Builds
Huffstutter Family 17210 Lamb Ave., Nerstrand
20062006 20052004
Patzner Family 601 Bunker Dr., Northfield
Noel (Morales) Family 309 2nd Ave, SW, Faribault
20022001
Hardie Family 320 20th St. NW, Faribault
2003
Cavin Family 815 Central Ave., Faribault
Irwin Family 208 Forest Ave. S., Dundas
Berg Family 304 7th Ave NW, Faribault
199919971995
Kleeberger Family 315 S. Poplar, Northfield
1993
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Cook Family 17204 Lamb Ave., Nerstrand
Thrivent Builds
2007
Olson Family 321 4th Street, Lonsdale
Juarez Family 314 Erblang Ave., Faribault
Thrivent Builds
Simonson Family 900 W. 2nd St., Northfield
2008 20082007
2009 2009 2009
Rosas Family 118 Miller Lane, Dundas
Keilen Family 106 Miller Lane, Dundas
Thrivent Builds
Erickson Family 222 Irving Ave., Faribault
201020102010 2010
Reynolds Family 127 Elm Street, Lonsdale
Thrivent Builds
Dolal Family 22nd Street, Faribault
Mazurek Family Spring Wheat Drive, Dundas
Zoubek Family 15 5th Ave., Faribault
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This new initiative helps low‐income homeowners by offering exterior home improvements. We are seeking homeowners who are unable to
complete home repairs on their own because of finances or physical ability. Volunteer teams work to improve the condition of homes by painting,
landscaping and performing minor exterior repairs. If selected, homeowners are required to work alongside volunteers in a cooperative effort – called sweat equity. If there are physical limitations, sweat equity
alternatives will be created to complete the requirement.
2011
Curci Family 1209 Superior Drive, Northfield
Thrivent Builds
Manderfeld Family 1213 Superior Drive, Northfield
Ali Family 317 23rd St NW, Faribault
Abukaff Family 406 Sidney Street, Morristown
2011 2011 2011
2012 2012
Voegele Family 22865 Dalton Avenue, Faribault
Thrivent Builds
Stanton Family 130 Miller Lane, Dundas
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A Brush With Kindness (ABWK)
What Projects Are Considered? A Brush With Kindness focuses primarily on neighborhood beautification through the exterior painting and landscaping of homes. We would consider projects that include building an accessibility ramp or other, minor, accommodations for accessibility to the home. We will also consider “Critical Home Repairs” – this is defined as “extensive interior or exterior work performed to alleviate critical health, life and safety issues or code violations, including a change to or repair of materials or components; a reconfiguration of space; a modification for accessibility; installation or extension of plumbing, mechanical or electrical systems on an existing structure.”
Who is eligible? 1. Need for work done Must be unable to afford necessary home improvements through conventional means and unable to complete them due to age, disability or circumstance.
2. Ability to pay The work done through A Brush With Kindness is not free. People selected are expected to pay for costs associated with the project. This can be a one‐time payment or a payback similar to a mortgage with monthly payments at 0% interest.
3. Willingness to partner Must be willing to complete sweat equity hours (time working on the project) or contributing to the work of Habitat for Humanity in some way. The total number of sweat equity hours is determined by the scope of the project. Additionally, must be willing to have your picture and personal story shared in our publication materials (which may include newspapers).
4. Scope of the work needed Habitat for Humanity will select families if the scope of work needed matches our volunteer efforts and funds available. We are unable to take on projects if the house is far beyond repair.
Additionally, Property taxes must be paid current & homeowners insurance must be provided Must own and occupy a home in Rice County that needs and could benefit from
exterior improvements Must have at least two years of owning and residing in the home Through the application process you will be required to openly and fully discuss your
financial situation All members of the household must be documented residents of the United States.
Before
AfterWe’ve not done any ABWK projects in Rice County yet – these are pictures
from another affiliate.
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Continuing the Affordability…
We build with Insulated Concrete Forms (ICF). The benefits of ICF include: Energy Savings: This system can save homeowners up to 70% in their heating costs.
Strength: The concrete construction gives maximum strength that can withstand hurricane and tornado force winds.
Health: Because of the low air infiltration rate, allergy sufferers will find relief. This system is 96‐98% dust, allergen and pollution free. There is also no environment for molds and mildew to prosper compared to stick‐built construction.
Insurance: Because this type of building is with concrete, it is considered masonry construction, ultimately resulting in lower insurance costs.
Ease of Installation: Our volunteers love learning about building with ICF!
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Green and Sustainable Building… Affordability in housing is more than the purchase price; the home must be efficient in the long term, both in energy and health.
We build to the Enterprise Green Communities Criteria, meeting and exceeding Energy Star Standards. Our homes are built to the Builders Option Package (BOP) for climate zone six, and have completed all mandatory site visits and diagnostic testing required by the BOP. As a result of our efforts in working with BOP, we have achieved a HERS index of 64 which meets the Five Star Plus category of Energy Star, the highest that the rating system currently tracks.
Our Energy Star features include: • All appliances and fixtures rated Energy Star and water conservation fixtures • Wall insulation has a value in excess of r‐19 continuous; achieved with the use of Reward Wall Systems Insulated Concrete Form construction • Attic insulation at r‐50 and • Window u‐value at 0.30 • Verified performance of only 1.1 Air Changes per Hour (1.1 ACH), around 75% better than Energy Star requirement of 5 ACH.
In addition to meeting the energy benchmarks required by Energy Star, our homes incorporate health standards such as: • Active‐ready radon resistance system • Low‐allergen flooring • Low‐VOC paints and primers • Exterior ducted range hoods • Heat Recovery Ventilators (HRVs) • Energy Star bath fans
In 2010, RCHFH built a house to the Silver‐LEED (Leadership in Energy and Environmental Design) level. This was in collaboration with Minnesota HFH, MN Chapter of the US Green Building Council, University of Minnesota’s Center for Sustainable Building Research and Building Knowledge, Inc.
CostsThe average extra cost associated with building to Green Communities is $2,500. It is estimated that building to LEED will cost an additional $1,600 in materials. In short and on average, to build to both Green Communities and LEED is a 3% cost increase over the average cost of a Habitat home in MN. As a result, a family in a home built to these standards saves $350 ‐ $700 per year over similar homes.
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Our standard house design includes three
bedrooms and one finished bathroom. The
basement is left unfinished but prepped for future bedrooms and a bathroom.
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HOW HABITAT WORKS
Families are selected based on
1. Need Families must demonstrate that they currently live in inadequate or substandard conditions, in overcrowded units, or pay an excessive percentage of monthly wages for housing.
2. Ability to Repay
Habitat houses are sold to families with a 0% interest loan. Families cannot earn more than 50% of the local median income to qualify for a Habitat home. For a family of four this is $36,500. They must have a history of making current payments on time.
3. Willingness to Partner Families must put in 350 hours of sweat equity into their home and be willing to be spokespeople for the organization.
Additionally,
All household members must be documented citizens/residents Families must currently live in Rice County and have lived here for at
least one year
Families receive support to help them succeed We don’t just turn over the keys and wish the family luck once the build is done. We have a system of support that continues to nurture our relationship with all of our Partner Families.
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TITHING Our affiliate tithes 10% of our unrestricted donations to Habitat for Humanity International. This contribution goes to building houses
worldwide. Habitat for Humanity International builds in 90 countries around the world! Since 1991 our affiliate has tithed over $94,000 which has built 25 homes for families worldwide.
That means that at the end of 2012, the efforts of Rice County Habitat for Humanity have made it possible for 55 families (29 locally and 26 internationally) around the world to have simple, decent and affordable housing.
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Like numbers??? Rice County Habitat for Humanity Costs
# Year Family Location Adults Children Sold For Land Cash Cost In Kind Appraisal
29 2012
Voegele Faribault 2 0 114,800 17,000 85,120 35,012 150,000 28 Stanton Dundas 1 3 118,800 14,200 82,000 37,600 160,000 27
2011
Curci Northfield 1 1 116,800 22,843 65,997 42,233 148,000 26 Manderfeld Northfield 1 3 118,800 22,905 63,309 43,841 155,000 25 Abukaff Morristown 1 3 118,800 0 60,843 57,187 143,000 24 Ali Faribault 1 2 95,000 24,402 41,214 51,704 125,000 23
2010
Zoubek Faribault 1 2 106,000 10,000 51,829 50,269 170,000 22 Mazurek Dundas 1 4 123,800 14,200 75,836 46,183 165,000 21 Dolal Faribault 2 1 114,000 22,000 49,628 50,810 163,000 20 Reynolds Lonsdale 2 3 120,800 12,000 68,134 49,399 152,000 19
2009 Keilen Dundas 2 2 102,000 39,500 65,935 42,922 164,000
18 Rosas Dundas 2 3 102,000 14,200 60,839 42,853 164,000 17 Erickson Faribault 1 3 103,000 20,000 49,727 41,726 160,000 16
2008 Juarez Faribault 1 1 85,000 30,800 47,332 65,079 170,000
15 Olson Lonsdale 2 2 94,000 30,000 40,757 71,029 176,000 14
2007 Cook Nerstrand 1 2 87,500 22,000 45,184 62,431 184,000
13 Simonson Northfield 2 7 103,000 39,192 0 77,569 228,000 12
2006 Avalos Faribault 1 4 82,000 22,000 44,000 52,366 189,000
11 Blake Nerstrand 1 1 82,000 22,000 45,000 52,366 189,000 10 2005 Huffstutter Nerstrand 1 2 77,000 12,000 45,600 53,463 185,000 9 2004 Warring Northfield 1 3 76,000 4,643 46,322 40,084 169,000 8 2003 Hardie Faribault 2 2 76,000 21 45,376 31,779 165,000 7 2002 Patzner Northfield 1 2 76,000 4,643 55,520 29,987 157,000 6 2001 Noel Faribault 1 3 60,000 1,200 57,155 121,000 5 2000 Palmquist Northfield 1 2 60,000 4,549 69,612 144,500 4 1999 Cavin Faribault 1 2 50,000 0 53,596 100,000 3 1997 Irwin Dundas 2 2 36,000 625 30,791 82,000 2 1995 Berg Faribault 1 2 37,500 0 25,481 85,200 1 1993 Kleeberger N 2 2 35,000
TOTAL
39 69 2,571,600 426,923 1,472,137 1,127,892 4,363,700
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How does the financing work?
The costs of building a new Habitat home are put forth by our organization. This is done through cash (raised from donations and events) and in kind supplies. The selling price to the Partner Family is based on the out of pocket expenses, land costs and administration. Rice County Habitat for Humanity holds the following mortgages:
The first mortgage is the selling price. This is a 0% mortgage. Families escrow their taxes and insurance. Total payment is typically $500‐$700/month.
The second mortgage is the difference between the appraised value of the house and our selling price. This is a “deferred mortgage”. The value of this mortgage will be paid to Habitat when the homeowner transfers the title (if they sell, if they deed it to their children). This is to prevent homeowners from acquiring their home and immediately selling it. This 2nd mortgage protects our organizations efforts of cash, in kind supplies and sweat equity.
Partner families are prohibited from acquiring any other liens on their property.
THANKS to 1st United Bank in Faribault who services all of our loans and manages all of the escrow accounts. Their support is priceless!
Rice County Habitat for Humanity BUDGET Family Mortgages 93,472Individuals 35,000Businesses 15,000Churches 15,000Grants 118,420
Special Events 15,000 Program Expenses 373,400 Mortgage Pledging 125,000 Operating Expenses 32,020 Miscellaneous 3,800 Administrative Expenses 52,768
Total Income 420,692 Total Expenses 458,188
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HOW A HABITAT HOME MAKES A DIFFERENCE When a hardworking family moves into a Habitat home their lives change for the better in countless ways. Having a simple, decent and affordable place to live puts the whole family on a path to success and helps strengthen the community. Children’s chance for success improve Children do better in school, earn higher math and reading scores
and achieve a higher educational level Children of homeowners have fewer truancy and behavioral
problems Grown children are more likely to own their own homes
Parent’s self‐esteem and level of accomplishment increase Contributing the required 350 hours of sweat equity builds
parents’ pride and confidence Parents learn sound budgeting principles through classes Parents often go back to school and/or get better jobs because
their homes are consistent and safe
Habitat homeownership strengthens communities Habitat homes are well kept and attractive, reflecting the pride of
the homeowners Neighborhood members support the construction efforts and
build relationships with the new homeowners
From a study (Homeownership Alliance of Nonprofit Downpayment Providers) cited from the New York Habitat for Humanity Affiliate:
Homeowners’ Children vs. Renters’ Children Math Achievement Scores 9 percent higher Reading Achievement Scores 7 percent higher High School Graduation Rate 25 percent higher College Graduation Rate 116 percent higher Be homeowners in 10 years 59 percent higher Quality of Home Environment 13 to 23 percent higher Behavioral Problems 1 to 3 percent lower Give Birth as Unmarried Teen 40 percent lower Idle at age 20 and Rely on Welfare 50 percent lower
Homeowners vs. Renters Overall Voter Participation 25 percent higher Able to identify Congress Member 10 percent higher Work to Solve Local Problems 6 percent higher Garden 12 percent higher Contribute to Church $150 more per year
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Habitat for Humanity provides a “hand up” and not a “hand out”.
Homeowners learn skills they never dreamed they could have!!
Helping one family at a time…
Our local food shelves, clothes closets and social service agencies help HUNDREDS of families every year. Their work is valued in our community. Habitat for Humanity, is different – we don’t help hundreds of families a year –
we help one family at a time. Why?
Homeownership significantly changes the lives of families for GENERATIONS! Once families are in a safe, decent, affordable and steady place to live they can predict their housing costs. They know their monthly payment is not going to increase and they know they won’t be evicted by a landlord in the future. Having a controlled house payment allows them to budget for food, utilities, transportation, health care. Habitat for Humanity helps families over their lifetime with a “hand up” as opposed to a one time “hand out”.
Habitat for Humanity creates relationships that add to the vitality of neighborhoods and communities. When people come together there is a spirit and a bond that is created that lasts for years. Our goal is to help one family at a time by creating homeownership, but the benefits spread throughout the community that lasts for generations!
HUNDREDS of VOLUNTEERS add to the richness of the Habitat for Humanity
experience. It takes 2,500 volunteer hours to build one house! We average over
200 volunteers on each build site! THANKS volunteers!
“Because of our Habitat home our health has improved, my whole attitude has changed. I’m more cheerful and I have more energy. I get a good nights’ sleep and I have a reason to get things done. Because
of Habitat we have a future. We have hope” ~ Habitat homeowner~
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YOUR TIME MAKES A DIFFERENCE Build Teams – Our goal is to develop a Build Team for each build. This team will be responsible for different aspects of the entire build.
“Go‐To” Team – our goal is to create a “Go‐To” team in each community. This is a group of people who are called upon when “something comes up”. This is somewhat last minute group we call when we need to move something, prepare for something, or clean up after something!
Public Relations Team – We continually strive to share the Habitat story with our community. We rely on this team to help us spread our story in print, radio, and other media.
Building Committee – Our homes are built with the support of professional labor and volunteers of all skill levels. We also feed our volunteers and need people to provide food during the builds!
Family Services Committee – These committee members visit applicant families in their current living situation, thoroughly review their application and financial information and make the difficult decision in selecting families. Additionally, this group establishes relationships with our Partner Families to provide continuing education and nurture.
Fund Development Committee – This committee supports the build efforts through strategizing ways to increase individual, business and church donations.
Finance Committee – This group oversees the monthly financial reports and oversees the budget process.
Church Relations Committee – We rely on the faith community for prayer, volunteers and financial support. Our goal is to have two delegates in each church to organize build teams and to raise awareness and funds for Habitat. Habitat staff is available to speak to your organization to share our Habitat story.
Board of Directors – This group of dedicated people meet seven times a year to carry out the mission of Rice County Habitat for Humanity.
Consider being on a Team, Committee or our Board o Teams meet on an as needed basis. o Committees require a regular time commitment to meetings and activities. o Board members take on larger responsibilities for accomplishing the mission of Habitat.
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YOUR DONATION MAKES A DIFFERENCE
Priceless Contributions that happen year round: Gary Voegele, P.A., Faribault R & L Woodcraft, Lonsdale Frandsen Bank, Lonsdale 1st United Bank, Faribault
Does your business have a profession or product that Habitat could use? Think about “donating” the time of one of your employees to Habitat. We could use people with accounting, building, legal, public relations, marketing skills, etc. OR, does your
business have (or have access to) a product that we could use. This could be products for building or beverages, office supplies, computers and a/v equipment, etc.
We rely on the support from local businesses, churches and individuals. Please consider: Giving a monthly gift on‐line through GiveMN.org Give a gift in honor of a birthday, anniversary or other special occasion Do a fundraiser at your business, have a rummage sale and give the proceeds to Habitat, designate a day at your business as a “Habitat Day” and give a percentage of the proceeds to Habitat.
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LEAVING A LEGACY
Through partnerships with hundreds of dedicated donors and volunteers, Rice County Habitat for Humanity has made great strides in responding to the affordable housing crisis in our community. Unfortunately, many more families need to be served. Each year more committed donors join our Legacy Club by designating a gift to Rice County Habitat through their estate plans. Won’t you share their vision and consider making plans to build homes beyond your lifetime?
To the volunteers may God bless you all. For without you our dream of owning a home would not be possible. Thanks for
making this family’s dream come true. ~ Rosas Family, 2009
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Thanks to a partnership with Thrivent Financial for Lutherans and Habitat for
Humanity we have increased the number of families served. Since 2006 Thrivent Builds has contributed over $420,000 to Rice County Habitat!
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Rice County Habitat is proud to have over one hundred in kind suppliers. The support from these businesses is crucial in increasing the number of homes we can build. In Kind suppliers provide professional labor and supplies needed for our builds.
THANK YOU In Kind Suppliers!
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What does a full partnership with Habitat for Humanity look like?
From our side: Support your business – Whenever we can we’d like to support your business through recognition in various ways.
Recognition – At the end of our build season we put an ad in the Faribault and Northfield Newspapers (that reaches over 14,000 people) that recognizes all the businesses that have supported us.
Meaningful Experience – We do all that we can to provide you, and your group, a meaningful and positive experience with our organization. The work of Habitat is a joy and a pleasure and we invite you to be a part of it.
From your side:
Volunteer Support – We encourage individuals of all skill levels to be on the site (must be over 18). Sign up with a group or individually. Think about bringing a group of co‐workers for a team building day on the site.
Financial Support – We rely on local support to continue our mission of building simple, decent and affordable housing in Rice County. Financial gifts are much needed and appreciated! Advocacy ‐ Speak up about affordable housing in the organizations you are involved in. Invite Habitat to speak at your church, business or organization
Board and Committee Participation – Become a part of our organization by joining a committee or our board.
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Life to the full means… Having a safe place to live. A place where your children can play in the yard. A space they’re proud to invite their friends. Not worrying about rising rent prices or where you’re going to live next month. Life to the full means… being part of a community where people work together – partner families and volunteers – to provide simple, decent and affordable housing.
204 7th Street West, PMB 128 Northfield, MN 55057
www.habitatricecounty.org Office: 507‐744‐2933
Executive Director Dayna Norvold [email protected]
Program Manager Deb Zellner [email protected]
Administrative Assistant Sandi Neil [email protected]
Construction Coordinator Mike Terry [email protected]
WON’T YOU HELP BUILD AFFORDABLE HOUSING IN OUR COMMUNITY?
I have come so that you may have life… life to the full.John 10:10