November is a time to honor our Veterans and those who have sacrificed so much in service to our country. As part of our Veteran’s Housing Initiative, we serve veterans through our Home Ownership program and through Preservation and Repair. Here, you’ll get a chance to meet veteran, Eddie Broglin and learn what’s next for our Veterans in Lake and Sumter Counties.
Born and raised in Florida, Eddie Broglin is a true Florida Native. When speaking to Eddie about his home state, you can barely mention a new place before Eddie tells you his connection to that area; Lake Wales, Bartow, Lake City, Fort Pierce, it becomes apparent very quickly that Florida holds a special place in Eddie’s heart.
After graduating high school, Eddie Broglin was faced with the challenge of what he was going to do next. A fellow classmate told him that he was going to join the National Guard and convinced Eddie to sign up as well. Stationed at Wauchula, Florida where he worked with gunners and as a mess cook, Eddie then moved to the Naples Armory where he went on to serve an eight year career. While Eddie learned a lot from being in the service, he unfortunately suffered a heat stroke that would have a lasting impact on him the rest of his life. After his military career, Eddie moved around the state, and left feeling un-grounded while staying with friends or renting, he decided it was time to find a home of his own.
Eddie describes his experience of working with multiple real estate agents and exhausting his resources through Veterans Affairs, his search for a home appeared hopeless. “I was looking for a studio apartment, but mortgages and rent have flopped. Now it’s cheaper to pay a mortgage than to pay rent,” says Eddie. Eddie describes an experience that is relatable to many and sits at the very heart of Habitat for Humanity Lake-Sumter’s mission.
Eddie decided a “tiny home” would provide the best solution to affording a home of his own and started to search out of state, believing he would have to move from Florida in order to find affordable housing.
Finally, Eddie met real estate agent, Maureen Campbell. Maureen knew about Eddie’s desire to stay in Florida and his interest in “tiny homes.” With these two requests in mind, Maureen suggested Eddie look into Habitat for Humanity as a resource and facilitated the process for Eddie to apply to be a homeowner with Habitat Lake-Sumter. A cottage-style home currently being built in Coleman, Florida was THE home Eddie had been searching for.
While discussing his newly built home, it’s evident how grateful Eddie is to be able to be a part of the Habitat Lake-Sumter’s home ownership program; a home he believes is built with love by the staff and volunteers who have put “their heart in to it.”
“The first thing I did was plant my red maple tree,” a tree Eddie bought when he first learned of being accepted into Habitat for Humanity Lake-Sumter’s home ownership program, “to symbolize being rooted here,” says Eddie. In this quiet community in Coleman, FL, balanced by rural and growth; Eddie has found a place to plant his roots a little deeper into Florida.
If you’d like to know more about the work we’ve done with Veterans this year, come visit Habitat for Humanity Lake-Sumter’s booth at the Villagers for Veterans Film Festival on Wednesday, November 6th.
To support upcoming Veterans projects throughout Lake and Sumter, donate today!
Hurricane Dorian was a Category 5 when it slammed into The Bahama’s just one month ago. As relief and rebuilding efforts slowly begin, Habitat for Humanity of Lake-Sumter decided to take action.
Kent Adcock, CEO of Habitat Lake-Sumter, has specialized in relief efforts during past disasters, Hurricane Katrina among them, so we knew major efforts would be needed to clean up and stabilize The Bahamas after being effected by a storm of this scale.
We are currently retro-fitting two shipping containers to act as housing units for relief workers on The Abaco Islands. The shipping containers will be furnished with bunk beds, air conditioning, and electricity, for the relief workers to have a place to rest and recharge.
Community partners, RoMac Building Supply, Kelley Painting, and the Inmate Construction Academy will help turn these shipping containers into temporary housing, giving on-the-ground relief workers a place to call “home” while they do the hard work of clearing debris after the destruction.
Want to help? If you have material supplies or would like to make a donation contact Lacie: (352) 483-0434 x 146 or Lacie@HabitatLS.org
A team building experience with friendly competition.
Brad Weber, EVP
Chief Lending Officer
Citizens First Bank
“Success is Built on Relationships” – a powerful statement and one of the many mantras of Brad Weber, who was recently appointed to the Lake-Sumter Habitat for Humanity Board of Directors.
Weber brings a variety of experience earned over his thirty plus years in the banking industry where he has worked in consumer, commercial and agricultural lending. He also holds a Bachelor of Science in Business Technology from Barry University and is a graduate of the Graduate School of Banking of the South at Louisiana State University.
Through his work in the banking industry, he has been involved in finance, marketing, staff development and strategic planning. Weber makes special note of the people and relationships he’s formed during his tenure as a banker. “My lending background has allowed me to work with people from all types of industries and walks of life in helping them realize their dreams,” says Weber who looks forward to seeing where his experience can best benefit Habitat for Humanity of Lake-Sumter.
Weber’s connection with Habitat started when he first volunteered his time to help build a home sponsored by Citizens First Bank roughly five years ago and has continued as he has volunteered to help with a number of other Habitat for Humanity projects since that time. During the past five years, Weber has built more than homes for Habitat, he’s built relationships with a team that works to deliver new homes to members of our community. “I have built relationships with several staff members, and truly learned the true mission of Habitat through their actions,” notes Weber.
The Boys & Girls Club, The Boy Scouts of America, Lake Sumter State College and the local Chamber of Commerce have all been beneficiaries of Weber’s enthusiasm for volunteerism yet, true to his philanthropic spirit, Weber says it’s his career that has grown through the opportunities he’s had to serve those organizations.
He says the experience of working with Habitat has given as much to him as he has to the organization. “At this point in my life, and after having witnessed a number of families be handed the keys to their dream come true, their first home; and experienced the emotion and passion of that moment, this became my reason to serve Habitat,” says Weber.
Weber hopes to use his experience and talents to support the idea of an incubator community that could potentially create affordable housing that remains accessible for generations to come. “This community could solve several struggles such as providing affordable workforce housing, teaching families how to be a part of a community and providing opportunities for financial growth,” says Weber. It’s just an idea for now, however, it has the possibility to move into reality and thereby improve home ownership opportunities for families.”
Building communities such as this one goes back to the heart of Weber’s mantra: success is built on relationships. “Success is a community of people who can rely on each other, people who joyously and enthusiastically strive to lift each other up on a personal level, says Weber. “This feeling is not only contagious, but also exponentially raises the confidence and productivity of each of us in a community, resulting in a much higher quality of life.”
Weber’s enthusiasm for the local community also resonates at a personal level as he and his wife have lived in the area since 1996. They have been married for 30 years and have raised three children who received their education through the Lake County School System where his wife, Glenda, has been a teacher for almost 20 years.
“Bringing people together to build homes, communities and hope – these are all hallmarks of Habitat’s mission,” says Danielle Stroud, Director of Development at Habitat for Humanity. “Brad has personally and professionally embraced this mission for many years and we wholeheartedly welcome him to the Board of Directors at Habitat for Humanity!”
By David Larrick
Inmates learn construction skills, build for Habitat for Humanity
LAKE COUNTY, Fla. – Jared Hainey has been in the Lake County Jail for nine months for drug possession.
But he spends his days outside of his cell, in the fresh air under sunny skies. He spends six and a half hours a day on construction sites, building houses for Habitat for Humanity.
“It’s nice to come out here because you get away from being enclosed in a cage,” Hainey said. “And you get to come out and learn new things, see new people.”
Lake County Sheriff’s Office Sgt. Fred Jones said Hainey volunteered, like all inmates participating in the Lake County Jail’s home building program.
“They have to want to do it, we don’t force them to do anything,” Jones said. “They’re staying focused, they get up early in the morning, our thought process is they’re going to take that same thought process when they leave here and go out there and get a job.”
Jones said all of the inmates participating in construction are low-risk inmates who’ve been vetted. All of them are supervised on all on the construction sites.
Hainey said his plan is to get a job in construction when he gets out jail.
“I learned a lot more about the building process, like right now we’re framing and decking and putting trusses on, stuff I have never done,” Hainey said. “Before you get out, you already have that foot up that you’re going to be working. And you’re already stepping forward and being productive in society and working already.”
Jones said inmates often reoffend when they are released because they don’t have a job, they don’t have skills and they don’t have motivation.
“What I see a lot of time is people get into trouble because they don’t have that sense of purpose,” Jones said. “I think this gives them some of that.”
Seda was chosen as the recipient of the Owens Corning National Roof Deployment Project, which works with Tadlock Roofing and Habitat for Humanity in granting new roofs to veterans in need.
“It makes me feel like crying,” Seda said. “But a good soldier never cries. I’m so thankful for good people like this.”
Seda served 20 years in Army intelligence, retiring in 1995. Because of his extensive training, two years ago he was asked to come out of retirement to help train Air Force pilots on A-10 Warthog aircraft.
However, a terrible accident occurred during training and his plane plummeted to the ground. He spent nine months in a coma. He broke a hip and a knee, and the visor from his helmet lodged into his skull.
“When I woke up, all I could think of was, ‘What the hell happened?’ ” Seda said.
Seda remembers another plane hitting the top of his canopy and him trying to remove the seat belt, but he doesn’t remember ever deploying the parachute.
“Obviously I did or I wouldn’t be alive,” he said. “But I don’t remember much after being hit.”
Since then, his medical bills have been piling up, even on top of his insurance coverage. To top it off, his home insurance company was pushing him to get a new roof or he would lose coverage.
He reached out to Tadlock Roofing for a quote, but they had another idea: Tadlock reached out to Owens Corning about their deployment project, then Habitat for Humanity to see what could be done.
By Cindy Sharp / Correspondent of The Daily Commercial
Habitat for Humanity of Lake-Sumter’s ‘Women Build’ event brings women of all ages and abilities together to make a difference by raising money and volunteering on Habitat build sites.
Alongside personal fundraising efforts, sponsors such as American Residential Products, Inc and Atlas Roofing, make events like these possible through monetary giving or by donating materials for the home.
American Residential Products Inc, an insulation contractor, has worked with Habitat for Humanity affiliates all over Florida for many years. They have provided insulation in the past, and recently sponsored Habitat of Lake-Sumter’s ‘Women Build 2019’ with a $2500 gift; this gift serves to underwrite the cost of construction for the two ‘Women Build’ homes and bridges the gap to keep the homes affordable.
Stephanie Vaughn of American Residential Products also personally participated as a Women Builder this year on Team ‘Hammer Knockers’. When asked if she thought an event like this was successful in helping to remove the barrier between women and construction, she said;
“The barrier between women and construction is getting smaller. I think an event like Women Build definitely showcases that. Construction is a fast paced, exciting industry. Every day is different, every day is challenging and every day is rewarding. It’s great to see younger women embrace the industry and I think Habitat encourages that with Women Build.”
Stephanie also had encouraging words for women who are thinking about volunteering, “Go for it! Habitat makes it easy to set up a team and individual website for fundraising. There are several pre-build events to get to know the other volunteers and the homeowners. The day of the build is all about teamwork & there are tasks for all abilities.”
Atlas Roofing was also a sponsor for this year’s Women Build event. They are donating all of the necessary roofing materials such as the underlayment, starter shingle, shingle, hip and ridge cap for the Women Build house in Eustis, FL. Roofing can be an expensive aspect of homebuilding, but thanks to Atlas Roofing, our family will be forever grateful for the gift of having a roof over their heads.
Thank you to our sponsors, Atlas Roofing and American Residential Products, for partnering with Habitat families and investing in real change. Together, we build homes, communities, and hope!
By Lauren Lester
Realtor & Habitat Volunteer
The First Presbyterian Church of Leesburg receives “Sponsor of the Month” in recognition of their decade’s long partnership with Habitat for Humanity Lake-Sumter and their sponsorship of a Cottage Home in Coleman, FL. The church will not only provide financial support, but also volunteer hours and hands-on labor to assist in building the home.
First Presbyterian Church of Leesburg has a long standing history with Habitat for Humanity and an established presence of charitable giving within the community; the church assisted with building one of the very first Habitat homes in the Lake-Sumter area in the late 1980’s. Pastor RJ Leek of First Presbyterian of Leesburg says of their continued support, “We are thankful for the opportunity God has given us through Habitat for Humanity to be a visible witness to God’s love for people everywhere.”
The cottage home being sponsored by First Presbyterian Church of Leesburg is one of four homes being built on the Coleman site and is part of a new and innovative floor plan for Habitat of Lake-Sumter. In an effort to match the specific needs of the community Habitat serves, we have designed a 2 bedroom/1 bath home at approximately 700 sq. ft. for smaller families who find rental properties and traditional home ownership to be beyond their reach.
The cottage homes in Coleman are Habitat of Lake-Sumter’s first try at this new housing design. The smaller scale 4 cottage home site is a precursor to Habitat’s upcoming Tavares Cottage Community. Thanks to Lake County’s award of Community Development Block Grant funds, Habitat will begin infrastructure of the development soon; including roadways, water and underground utilities, and will prepare the community for phase two: cottage construction.
Setting new precedents, the Tavares Cottage Community will be the first age-restricted community built in this area through Habitat of Lake-Sumter and will benefit residents who are on a fixed income, retired, or looking to maintain affordable housing as senior citizens. The ‘pocket neighborhood’ will feature 23 cottage-sized homes approximately 730 sq. ft. Some of the units are free standing homes with others designed in a townhome style, and a large central area with open green space for all residents to share. The master planned community will include similar design elements to Habitat of Lake-Sumter’s Veterans Village in Umatilla.
To learn more about First Presbyterian Church of Leesburg, the cottage homes in Coleman, or the upcoming Tavares Cottage Community please contact Danielle Stroud at 352-630-3318.
C is for Clarifying the Calculation, Part II: Reality Check
In our last article we looked at the AMI, Area Median Income, and learned that the AMI for Lake County is $62,900 ($30.24/hour based on 40 hours/week, 52 paid weeks/year). Pop quiz: what does ‘median’ mean? It’s not the average; it means that half make more, half make less.
Median income drives the entire conversation on affordable housing. Pop quiz: What does the term ‘affordable housing’ mean? It means that no more than 30% of gross household income is spent on rent/utilities or, in the case of home ownership, PITI (principle, interest, taxes, and insurance). Why? Because everyone needs room in their budget to pay for other expenses.
Using the chart below, we see that someone earning the median income for Lake County would be able to afford the Fair Market Rent (FMR) for housing. What about those earning less than the median? Let’s walk through those numbers. The chart is based on the following details:
- Florida’s 2019 minimum wage is $8.46
- The Fair Market Rent (FMR) is from the National Low Income Housing Coalition’s (NLIHC) annual Out of Reach data for housing costs in zip code 32757 (at the site, click on the zip code for detailed information)
- The 1 BR and 2 BR columns show the difference between the affordable, 30% housing number (what you’d ideally pay) and the actual Fair Market Rent
- Income is pre-tax, based on 52 paid weeks/year at 40 hours/week, no overtime
How does paying more than 30% affect the rest of someone’s finances? Let’s look at three theoretical budgets for a single person renting a one bedroom home. We’re using percentage allocations commonly recommended by professional planners. Are you ready to see what those earning less than the median income are dealing with?
With the success of its 14-home community for veterans in Umatilla and the introduction of small cottage-style homes, Habitat for Humanity of Lake-Sumter is moving ahead with its next project — a 23-unit “pocket neighborhood” for seniors in Tavares.
The community will be built on a vacant three-acre lot near Mansfield Road and County Drive.
“The city has been extremely supportive and unanimously voted to approve the development,” said Kent Adcock, chief executive officer of Habitat for Humanity of Lake-Sumter. “And they’ve been very supportive of the concept we’re trying to advance.”