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
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.”
Any conversation about affordable housing must begin with AMI, Area Median Income. In this article we’ll explore this term in more detail to make sure we’re all on the same page. In Part II, we’ll look at a sample budget to illustrate the impact of housing expense on various income levels. Ready to dive in?
By ‘Area,’ we mean the MSA, or Metropolitan Statistical Area. The MSA is quite useful. It captures all manner of data for a given geography so anyone—employer, government agency, job candidate, hospital, etc.—can compare apples and apples. (Or, since this is Florida, oranges to oranges.) For example, economic development groups, transportation analyses, labor market studies, and of course, the housing industry will all be working from the same information to write policy, design long-term plans, public works projects, and so on.
Here’s a great definition of the MSA from Investopedia.com: “Metropolitan statistical areas usually consist of a core city with a large population and its surrounding region, which may include several adjacent counties. The area defined by the MSA is typically marked by significant social and economic interaction. People living in outlying rural areas, for example, may commute considerable distances to work, shop, or attend social activities in the urban center.
There are almost 400 metropolitan statistical areas in the United States. In contrast to micropolitan statistical areas, which center on towns and smaller communities with populations below 10,000, metropolitan statistical areas must include a city with a population of at least 50,000.”
Our local Habitat for Humanity affiliate is covered by two MSA’s: Lake County is part of the Orlando-Kissimmee-Sanford MSA, while Sumter County is in The Villages’ MSA. The MSA data drives the income calculations for any affordable housing program.
‘Median’ isn’t the same thing as ‘average.’ Here’s how the Census Bureau defines it: “Median income is the amount which divides the income distribution into two equal groups, half having income above that amount, and half having income below that amount.” So, for your area (MSA) of interest, imagine lining up every household, from poorest to richest. The household in the exact middle would represent the median for that MSA—half make less, half make more.
In the very simple example below, the total household income for the area is $394,850. With just 7 homes, that means the average income is $56,407. However, the median, or the point at which half make more, half make less, is $62,900.
|One home at each income||Total Income|
And how is an area’s income figured out to begin with? It starts with the Census Bureau; each year they contact “over 3.5 million households
across the country to participate in the American Community Survey. When you respond to the survey, you are doing your part to ensure decisions about your community can be made using the best data available.” (Learn more about the ACS here). The ACS includes income data.
Once that data is available, HUD gets to work. They use the data to calculate the median income for each geographic area based on how strong the data is. If it’s deemed statistically reliable, they can run with that for the year; if it’s not statistically reliable, for whatever reason, they’ll work on a combination of surveys and formulas…and it gets complicated. To see the process in detail for Lake County, Florida, check out their calculation process here.
From this process, HUD announces the AMI for a given area. That number will then be used for different types of affordable housing programs (rentals and purchases) across the country. Our Habitat affiliate generally uses the USDA’s mortgage program for eligible home owners, so we use their AMI charts. The chart below is what Habitat would look at. (This data is extrapolated from the USDA’s site for 2018.) Remember, the median means half the residents earn less, half earn more.
If you’re fact-checking the calculations, you’ll see they don’t match up exactly. For example, using Lake County’s AMI, you’d do this: $62,900 x .50 = $31,450, whereas the USDA lists $31,950. These slight variations are likely due to USDA including non-wage sources of income in the household, such as child support, SSI, or alimony. The income numbers represent the maximum allowable to qualify for each category. Therefore, a Lake County household of 2 with an income of $31,900 would qualify for Very Low Income programs; however, if the income were $32,000, they’d be in the range for Low Income programs.
|Lake County||Number in the household|
|50% AMI (Very Low Income)||$ 31,950||$ 42,200|
|80% AMI (Low Income)||$ 51,100||$ 67,450|
|Sumter County||Number in the household|
|50% AMI (Very Low)||$ 33,400||$ 44,100|
|80% AMI (Low)||$ 53,450||$ 70,550|
Many myths abound regarding what ‘affordable’ means for housing and who qualifies for such programs. It’s no exaggeration to say that every legitimate program that strives to help people keep their housing cost affordable (paying no more than 30% of their income for housing) is using the same foundation: the AMI.
In our next installment, we’ll put a few sample budgets to the test. We’ll take various monthly incomes at different hourly wage rates, and we’ll allocate the money to expenses using generally-accepted financial advisor recommendations. In doing so, we’ll see what percent of the typical income goes to housing versus the recommended 30% figure. And we’ll be able to answer the question: at what income is housing affordable for Lake and Sumter Counties?
Your turn: How does your income, or that of your employees, compare to the AMI for Lake or Sumter counties? How do you think this affects the amount of money left, after housing is paid, to cover all other living expenses? –> Respond to us on facebook with your thoughts to continue the conversation
Article By: Lee Owen, Habitat Volunteer
The holidays are times when traditions are born, when gathering together holds more sentiment and when houses become homes. Whether your welcoming in generations of family and friends, or your traveling hundreds of miles to spend time with your loved ones, the phrase “Home for the Holidays” stirs emotions in all of us. However, for those dealing with the chaos caused by a sudden change in their living situation, the holidays are often accompanied by constant reminders that their sense of home has been washed away.
Surviving the utter destruction that swept through Puerto Rico with Hurricane Maria was just the beginning of an arduous journey that led Yolanda and Osvaldo to Central Florida and ultimately to Habitat for Humanity. “The experience was horribly devastating,” says Yolanda. “We lost our electricity, we lost food and there was no water. A lot of lives were lost on the island.” In fact, nearly 3,000 deaths we’re caused by the hurricane.
With the help of a church located in the states, the couple fled their home in Puerto Rico, destined for Sanford, Florida, with only the belongings they could carry in two suitcases. After spending their first month in a hotel in Sanford, they were able to find an apartment in Casselberry. However, after their first year in the apartment, the rent was set to increase to a point that would challenge their means.
“I started searching in August for other options, rental opportunities, but none suited our economic abilities,” said Yolanda. “I turned on the news and an interview that mentioned a community being developed by Habitat for Humanity caught my attention.”
The community was Habitat for Humanity’s Veteran’s Village in Umatilla, Florida. Veteran’s Village is a collaborative project that provides access to affordable quality housing and holistic wraparound services through a partnership with Combat Veterans to Careers.
“There’s our House!” Yolanda remembers saying to her husband. What she didn’t remember was hearing any contact information. A week went by and, while in prayer and searching the internet, Yolanda found the information she was looking for and, after confirming her husband Osvaldo was a Veteran of the Vietnam war, they began the process.
The couple celebrated their first Christmas in their new home with their children who traveled to spend the holidays with them. “Our new home was full of joy, many emotions and gratitude,” said Yolanda. They also brought with them the tradition of “Three Kings Day,” a Latin-American celebration akin to the “Feast of the Epiphany,” along with songs from the island and traditional holiday cuisine.
“In Puerto Rico, everything is decorated with lights during the Christmas season and that’s exactly what we did here,” said Yolanda. “We decorated the outside of our house as well as the inside with our Christmas Tree.”
The couple says the warmth of their new community has contributed to them feeling at home. They’ve developed “marvelous friendships,” sharing meals and great conversations with their new neighbors.
Having a “home” again was more than just finding an affordable place to live for Yolanda as Osvaldo. “In this stage of our lives, my husband and I are enjoying the peace and tranquility which God has gifted us through our new house,” she said. “And a house becomes a home by the love that is shared in it.”