Self-Help Enterprises SHEnewsAnnual Report 2009

In this issue:

2009 in Review.................................................1

New Homes...................................................... 2

Housing Rehab and Partner Services............ 3

Multi-Family Housing .....................................4

Community Development ..............................5

Supporters of SHE..........................................6

Building Houses Homes Communities

Hard Work Earns Families aHoliday Move-In

Self-Help Enterprises PO Box 6520Visalia, CA 93290 559.651.1000 www.selfhelpenterprises.org

Dr. Glenda Humiston, USDA RuralDevelopment State Director (fourthfrom left) is joined by Reedley MayorMary Fast (second from left) and SHEstaff as they present certificates to oneof the hardworking families whocompleted their home in time to movein for Christmas.

Left: Members of the 11 families posein front of one of the homes theyhelped build together.

On Monday, December 21, 2009, Dr.Glenda Humiston, USDA RuralDevelopment State Director joinedSHE to celebrate with 11 families thathad just completed their new homesand prepared to move in. ReedleyMayor Mary Fast and City ManagerRocky Rogers also participated in theceremony. When complete, theOrchard Estates II subdivision willconsist of 44 new self-help homes.The families in each group will spendover 1,500 hours building each other’shomes. Congratulations!

SHE 2009 Productionat a Glance

SHETotal Completions(as of 12/31/2009)

The opportunity for 11 Reedley families to move into theirnew homes before Christmas was made possible by thecoordinated efforts of many partners. A key player in theproject was the County of Fresno which provided $371,000in HOME grant funds to help fund the project. The Countyhas been an important partner with SHE to help increase and improve theaffordable housing options for local low-income families. In addition tohelping fund single-family projects, in the last few years, Fresno County hasprovided $1.7 million for the construction of 92 affordable, safe,energy-efficient rental homes for hard-working families in Biola and Del Rey.In the last five years alone, Fresno County has directly supported local familiesthrough SHE’s housing and community development efforts with HOMEand CalHome funds totalling nearly $3.4 million.

Partner Spotlight: Fresno County

New Homes...................................... 76Rehabilitation .................................... 77Water & Sewer............................1,004Multi-family Housing........................ 44Homebuyer ....................................... 66

New Homes.................................5,779Rehabilitation ...............................5,861Water & Sewer......................... 26,041Multi-family Housing...................1,106Homebuyer ..................................1,316

The mission of Self-HelpEnterprises is to assist low-incomefamilies of the San Joaquin Valleyto improve their living conditions.

The End is the Beginning for Self-Help Builders

The week of Christmas 2009 had special significance for 11 families inReedley – construction on their homes was over; they were moving in!Home for the holidays!

Self-Help Enterprises’work was nearingcompletion with thisgroup of owner-builders, and the NewHomes staff wasalready moving on towork with othergroups. But this endwas really a beginning for each person in these families. Each familylabored an average of over 2000 hours since late February to build theseeleven homes, through the rains of winter and the furnace blast ofsummer, to get to this point – the beginning:

• The beginning of family life in a home that they built themselves;• The beginning of a sense of securityand of place that comes from living ina home that they own and can afford;• The beginning of a homeowner’spride of accomplishment;• The beginning of creating a place oftheir own.

They did not get there on their own.Self-Help Enterprises staff walked

with them through every step from completing the loan application toUSDA, to learning about escrow instructions and loan closings, topouring concrete, to building walls and setting trusses, all the way toplanting new trees and grass in the front lawns. They also had their newneighbors to thank –everyone worked on all the

houses – and volunteers who came from near (Reedley Mennonite Church;Provost & Pritchard) and far (Sacramento’s Bayside Presbyterian Church; SanJose’s Stone Church). Together we made it all the way to the beginning.

Self-Help Enterprises has been a partner to nearly 5,800 families in financingand building new homes since 1965; but it is only a beginning.

Upcoming Mutual Self-HelpNeighborhoods

In 2010 SHE homeowners-to-be will be building in:

Fresno County ClovisReedley

Kern County LamontWasco

Madera County Parksdale

Merced County Gustine

Stanislaus County Turlock

Tulare County GoshenTulare

Annual Report 2009 2

2009 Mutual Self-Help Homes

76 Families CompletedHomes in 2009

Fresno County Biola - 13Fresno - 10Reedley - 11

Tulare County Lindsay - 30Orosi - 12

67 Mutual Self-Help HomesIn Construction

(as of 12/31/09)

Fresno County Reedley - 33

Kern County Lamont - 15

Merced County Gustine - 18

Tulare County Lindsay - 1

At the move-in and certificate ceremony in Reedley, families pose with their newly constructed home (top),construction continues on the subdivision (middle), and new homeowners shake hands with and receivecertificates from USDA RD State Director Dr. Glenda Humiston and SHE Area Superintendent Manuel Angulo.

Annual Report 20093

Housing Rehabilitation and Homeownership

A Foreclosure Counseling Success Story!Foreclosure counseling can end with a successful outcome forsome. One client lost his job and was unable to afford his$1328/mo payment. After 10 months of working with the clientand his lender a final modification was signed which reduced hismonthly payment to $592, including taxes, for 27 years! The loanmodification was made possible under the Obama Administration’sMaking Home Affordable Program.

2009 Services

Home Rehabilitations 81

Home Reconstructions 21

Emergency Home Repairs 28

Home Water Wells 8

First-Time Homebuyers 67

Homeownership Counseling & 392Education Graduates

Financial Literacy Graduates 14

Pre-Purchase Counseling 420

Post-Purchase Counseling 31

Graduates that Purchased Homes 92

Foreclosure Families Counseled 559

New Grants Written 14

Grants Managed 49

Loans Serviced 1389

Loan Portfolio Total $51 Million

Because a large portion of the affordable housing available tolow-income people in the Valley is older homes, SHE operates arehabilitation program to preserve and improve the existing stockof housing. SHE also promotes homeownership through ourFirst-Time Homebuyer, Homeownership Counseling &Education, and Foreclosure Counseling programs.

It takes a great team to make it all happen!

A brand new safe home! (Reconstruction)

Learning to be a responsiblehomeowner (HCE / HB)

A 91 year-old home gets a new beginning forits 81 year-old owner! (Rehabilitation)

Fresh, clean water for the firsttime in months! (HWWS)

City of AvenalCity of ChowchillaCity of CoalingaCity of CorcoranCity of DelanoCity of DinubaCity of Exeter

City of FarmersvilleCity of HughsonCity of HuronCity of LivingstonCity of ParlierCity ofVisaliaCity of Woodlake

Kings CountyMadera CountyMerced CountyTulare CountyUSDA –RD

Annual Report 2009 4

2009 Multi-Family Development, AssetManagement and Resident Services

Total Number of Projects Developed22 rental projects serving 1,106 families

2009 Development Activity

Rancho Lindo 44 units Lamont,Kern County

Bear Creek 35 units Planada,Rehabilitation Merced County

ParksdaleVillage 48 units Madera,Under Construction - March 2010 Completion Madera County

Pre-Development Projects in 2010

GoshenVillage II 56 units Goshen,Tulare County

ParksdaleVillage II 48 units Madera,Madera County

The mission of the Multi-Family Housing Programis to provide decent, safe, affordable, well-managed housing to lower income families.

Main Resident Services Provided forFamilies and Children

After- School ProgramsComputer TrainingEnglish as a Second Language ClassesSummer Lunch ProgramsHomebuyer Education and Counseling

Major Resident Services Partnerships

Community Services & Employment TrainingFamily HealthCare NetworkCollege of the SequoiasFresno Community Food BankFirst Book, California State University, FresnoTulare County FoodLinkKern Career ServicesLamont/Weedpatch CollaborativeRadio BilingüeRichgrove School DistrictKern County Community Action ProgramMadera County HeadStart ProgramMerced County Office of Education

Top Left: Digital Connectorspromote affordable computersto families. Above: ParksdaleVillage 2 under constructionLeft: Rancho Lindo

“Rancho Lindo is a promisefulfilled to the community ofLamont”Sister Marie Francis Schroepfer,

Community Advocate

Bear Creek Housing Communityunderwent a major rehabilitation focusing on increased energy efficiency.

MFH TeamMFH Resident Services

Annual Report 20095

2009 Community Development Highlights

The Buttonwillow Wastewater Project, a $2,766,812 endeavor, providedfor the replacement of a 50 plus year old wastewater treatment anddisposal plant. The project included new lift stations and sewer forcemain, cleaning and relining of the trunkline, and construction of a newwastewater treatment and disposal plant.

Self-Help Enterprises provided technical assistance and guidance to theproject that was funded by a State Small Community Wastewater Grant,a USDA/Rural Development Loan and Grant, and the ButtonwillowCounty Water District.

Community Connections - Working Together to BringSafe Drinking Water to Valley Residents

The Edmundson Acres water system has unsafe nitrate levels in thedrinking water. SHE has worked with the Arvin CommunityServices District, Edmundson Acres Mutual Water Company andresidents to obtain affordable funding to build this project. Thisproject is paid for with federal economic stimulus money (ARRAfunds) and State Proposition 84 funds.

Buttonwillow StorageTank

12 inch main watertransmission pipeline wasinstalled to connect theEdmundson Acrescommunity to the ArvinCSD water system.

Technical Assistance Helps Communities Meet their Needs

Annual Report 2009 6

THANKYOU FORYOUR SUPPORTCOMMUNITY BUILDER

HOMESTEADER

CORNERSTONEAnonymousBrown Construction, Inc.Lee & Alice CareyLinda CraigCommunity Economics, Inc.

Cal & Linda DooleyFaith Presbyterian ChurchDenise FletcherCarol A. GlassMaureen Kennedy & Konrad Alt

Lane Engineers, Inc.Doug PingelDonna & Darwin PoulosDick & Jackie UrsittiWestAmerica Bank

Maria H. Bacigalupo

ARCHITECTAnonymousAWI Management CorporationPeter & Cathy CareyRay & Miriam ChavezMargaret & Earl ClimeTom & Suzanne CollishawDan & Diana DooleyDick & Do DooleyEdnah FriedmanBob & Carol Friesen

Senaida GarciaJoan & Bill GordonGubb & Barshay, LLPCindy & Bill HillKarl & Sally HufbauerSt. Paul's Parish, Inc.Renée JewettMike & Estela LaneMorse, Yardumian & Wittwer, LLPPhil & Marty Pigott

Provost & Pritchard Engineering GroupBob RapozaGary & Chris ReedJenny RodriguezKaren & Rich SaucedaSpence Fence CompanyGailerd SwisegoodJean TolliniVisalia Breakfast Rotary ClubTerry Williams

Bank of America FoundationCiti Foundation

F. B. Heron FoundationWells Fargo Foundation

BUILDERAnonymousRich & Kim AicklenPete & Joan AkinSuzanne & Russ AnardeManuel AnguloSteve Antonino and DiBuduo

& DeFendis InsuranceRicardo F. ArvizuByron & Betty AugspurgerB. J. Perch Construction, Inc.Lindsay BaileyStan BarnesRita & Richard BarronLarry & Ellen BeansJoe & Tamara BeldenLarry & Marlene BibbensPaul & Noemi BoyerHoward R. BroadmanElizabeth BurnsCalifornia Utility ConsultantsVivian S. CareyBob & Karen CaryTed & Julie ChandlerDon & Phyllis ChapinVincent & Lorna ChengMike & Barbara ChrismanGreg & Dorothy Collins

Wilfred N. Cooper, Sr.Phil Cox-Tulare County Board of SupervisorsVivian & Xavier CrisantoDick & Do DooleyHelen DunlapEthan & Ruth DuttonFausto EscamillaBill & Florence EvansSteve & Joanne Farnsworth, Total Office ProductsChas & Rachel FelixHector FernandezJane FessendenMargaret FoleyBill & Robin FrenchJudy & Britt FusselJudy GeorgeJenny & Dean GlassRay GuillenLloyd & Ulrike HalversonLeonard N. HarringtonHavner Brothers ConstructionDiane HawkesPam HincheyDirk Holkeboer & Betsy MurphyPatrick IsherwoodIzabal, Bernaciak & CompanyRonald Javor

Fred Jensen & Thelma EssexDennis KellerBob & Angelina KellyKeni & Carole KentBobby KrackovThomas LauderbachMarjorie LeavittBill & Doni LewisBob & Pam LinkMelissa LooneyBill & Beth LovettPatrick J. MalleyBob & Joy MarshallBruce McAllisterOlga McAllisterBeth & Stephen McAuliffGraydon & Virginia NicholsPhyllis OgdenSam PalmerMike ParrTom PeltzerPremier Color Graphics, Inc.James B. Preston, A Professional CorporationJim & Valerie PriceRames PrunedaRudy Quintana

Annual Report 20097

ARTISAN

San Jose Friends MeetingSteve SantanaEsmeralda SantosJulie ScaifeDiane Post & Paul SchommerSharp Insurance & BondingMary Ellen ShayDeb & Tom Sherry

Jessi SnyderLeslie & Drew SorensenJim SorensenMabel SparksVicki Stasch & Dick ShirkBob StoneJohn & Chris SundstromGlenda Sutton

Marshall J. Taylor, DDSLynn & Mike ThompsonAna Baiz-Torres & Tomas TorresVirgil Manuel VigilVisalia Sequoia Lions ClubDavid & Leta WarnerNancy WashburnWindows Plus, Inc.

AnonymousDonna BaileyAndy & Barbara BalerudJoe & Tamara BeldenCarmin BonillaSandra J. BreedlovePearl CallMiriam CovingtonJane Marshall CoxNorm DeWeaverHelen DunlapLupe FelixRon & Sylvia GarrettWilliam & Anna Gero-StillwellGolden Valley Engineering & Surveying, Inc.Mike & Marcia HeinzenKim Herman

David A. HodgesChristopher & Rhoda HolabirdAlma HolkeboerSy & Eleanor InamineStan & Cynde KeaslingLena LawrenceKimball & Loretta LoebEvan LongEd LopezFelicity LyonsDiane ManningArt & Joanna NugentA.E. PaschkisLouise Washburn PeaseSharon & Stephen PeckBill & Gloria PowersDr. & Mrs. Richard Predmore

Michael & Iza PredmoreJim & Geneva RathboneSheri RawlinsNancy RichardLéon G. RomanazziAndrea ScarbroughMary-Alice Avila & Stuart G. SeidenBill SellAdrienne ShiltonSherald & Mary Ellen SlukaJessi SnyderHelen SolinasJulia TanStephen ThiermannMarian G. ThurlowSylvia UnikelDick & Marilyn WatsonHenry & Jenny Yang

Ralph Baiz, Jr.Caroline & Mort BrownGertrude CareyDr. George Castaneda

Jack DanielJoseph FriedmanLydia GomezTheresa Harrington

Everett KrackovErnesto LaredoBen OwensJudy Pingel

GIFTS WERE RECEIVED IN MEMORY OF

GIFTS WERE RECEIVED IN HONOR OF

I want to help Self-Help Enterprises in its efforts to meet the housing needs of the San Joaquin Valleyby making a gift of $ to the Washburn Fund.

Community Builder......$10,000 or moreHomesteader.................$3,000 to $9,999Cornerstone..................$1,000 to $2,999

Architect.................$500 to $999Builder....................$100 to $499Artisan....................Gifts up to $99

Lender......................Loans of $1,000or more

Name

Address City Zip

Please print your name the way you would like it to appear in the SHE newsletter

Name

Annual contributors of$500 or more receive arecognition plaque

Please make checks payable to:Self-Help Enterprises

P.O. Box 6520 • Visalia, CA 93290 • 559-651-1000

Thank you!All donations are

tax deductible

Peter Carey Tom Collishaw Carol Glass Denise Fletcher Dirk HolkeboerBill Lovett Graciela Martinez Bard & Olga McAllister Doug Pingel Mabel Sparks

Peggy SandersBetty SorensenEd Wright

Anonprofitcorporation

P.O.Box6520Visalia,CA93290

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Permitnumber40VISALIA,CA

OFFICERS OFTHE BOARDRay Chavez .................................................... ChairBob Friesen...........................................Vice ChairMarv Hansen ..........................................Treasurer

ADMINISTRATIVE STAFFPresident/CEO.................................. Peter CareyVice-President.............................. Tom CollishawProgram Director..................... Denise FletcherHousing RehabilitationProgram Director............................ Doug PingelMulti-Family HousingProgram Director.....................Dirk HolkeboerNew HomesDirector of Finance ................Michael HartmanController...........................................Carol Glass

NEWSLETTER STAFFEditor.................................................Michael LaneDesign.............................................. Ethan Dutton

www.selfhelpenterprises.org

Lynn Knudson, SeniorVice President withBank of America,presents SHE BoardChair Ray Chavezwith a check for$90,000 in support ofour homeownershipcounseling andeducation efforts andrelated activities.

Lynn and Ray werejoined by members ofSHE’s Board ofDirectors and staff.We are very grateful for this generous, ongoing partnership with the Bankof America Foundation directed at ensuring sustainable, long-termhomeownership for program participants.

B of A supports SHE’s Homeownership efforts