Habitat for Humanity of Lake-Sumter and Lake Cares Food Pantry are partnering together with last minute touches on a newly built Eustis home for a single mom, Rachel Storey and her son, Jackson, 6.
Lake Care has made it a tradition with every Habitat family to provide a well-stocked pantry and refrigerator prior to move-in day, and on July 21, Irene O’Malley, executive director from Lake Cares, will be delivering groceries to the Storey house with some help from Habitat’s Family Service Coordinator Veronica Troxell.
“As anyone knows, moving in is time consuming and we (Lake Cares and Habitat) want to make sure the home is ready with groceries and meals that can be prepared for the coming weeks and provide stability for the homeowner,” says Lacie Himes, associate development director for Habitat for Humanity of Lake-Sumter.
Rachel and her son are eager to move into their new home.
“I’m looking forward to just being with my son and having our own house to call home,” Rachel told Style in an earlier interview. The pair has been living at her parents’ Grand Island home, which they moved into when Rachel was going through a divorce.
“My parents helped me with my son, too, because he was younger at the time,” she says. “I started going back to church and it was like God was putting me back piece by piece. I’m just so thankful for everything. God led me to the right people at the right time and Habitat couldn’t have been better to work with. I am beyond grateful.”
Mount Dora Mayor Catherine T. Hoechst, Nadine Foley, a friend and representative of Nancy A. Penn Shaner Trust, and Monica Wofford, a Habitat Lake-Sumter board member, took part in a ceremonial ribbon-cutting ceremony July 7 for a new Habitat home to be built at 602 E. Jackson St., Mount Dora.
Bank of America will be the corporate sponsor for the project along with community involvement provided by bequest gifts from the Ohlsson Charitable Trust and Nancy A. Penn-Shaner Trust.
“The community involvement is stemming from individual donors who had the forethought to contribute this way,” says Lacie Lacie Himes, associate development director for Lake-Sumter Habitat.
She adds that the collaboration between Habitat and Bank of America has generated $56,000 in grants over the past several years for new home construction, preservation and repair.
Due to COVID-19, the building site on Jackson street in Mount Dora will be closed to volunteer workers. “We are slowly opening certain locations for volunteers, but we tend to gauge the response the current climate,” says Lacie.
Also before the coronavirus hit, Habitat had planned on female builders to start building a new home construction project in Leesburg, but they had to scale back fundraising and postpone the home build.
“Many awesome female leaders in our community still wanted to support local families,” says Lacie. “So, they raised funds as a group and funded two critical home repairs that had been delayed and were at risk of not happening due to lost resources because of COVID-19.”
The Lake County Eagles Auxiliary Post 4273 in Okahumpka surprised Habitat for Humanity of Lake-Sumter with a $10,000 grant benefitting its upcoming project, The Cottages at Heritage Grove. The 23-unit pocket neighborhood in Tavares will be Habitat Lake-Sumter’s first 55-plus community.
Infrastructure work is slated to begin in the fall.
The Eagles has a long-standing history with Habitat for Humanity and were sponsors of Habitat Lake-Sumter’s original pocket neighborhood in 2016, The Umatilla Veterans Village.
Details: Lacie Himes at 352-483-0434, ext. 146.
In 2020, Habitat for Humanity of Lake-Sumter worked with The Villages Charter High School Construction Management Academy and the Leesburg High School Construction Academy in the construction of two Habitat for Humanity Homes in Lake County.
The home built by The Villages Charter High School Construction Management Academy students is in the Carlton Village area of Lady Lake while the home built by the Leesburg High School Construction Academy students is on North 12th Street in Leesburg. Both projects were a complete success — with the new homeowners having a home for a lifetime built by students who developed skill sets in construction for a lifetime.
The only disappointment was the COVID-19 pandemic, which prevented both high schools from following the projects all the way to the end. The students missed the opportunity to finish their Habitat homes, participate in the dedication ceremonies, and receive accolades from a grateful community for a job well done, which resulted in the enhancement of each school’s program. Students in both programs have paved the way for future students and Habitat homeowners.
The 2020-2021 school year promises to be even bigger for the Habitat for Humanity Projects in Lake and Sumter Counties, as these projects are being planned for The Villages Charter High School, Leesburg High School and South Lake High School.
These projects merge public education with private partnerships to help train students for good paying jobs and careers while providing a needed home for a working family. They teach the young people in our community the important of benevolence. Honestly, these programs work because everyone wins.
Thanks to the participation of the community, school district, and private partnerships, these programs a true success. Many people want to get involved and here is how you can participate in one of these great projects.
Each high school has an Advisory Board, which bridges the partnership between the public and private sectors. These Advisory Boards are made up of educators and business-people in the construction community that meet monthly to address the needs of their high school’s program and coordinate community participation.
If you would like to participate on one of the Advisory Boards, contact Lynnea Weissman at the Lake County School District at 352-988-4876, or Rob Grant, the Principal at The Villages Charter High School, at 352-259-3777.
The Impact of Housing on Mental Health
Inadequate housing can act as a barrier to mental health. But safe, decent, and affordable housing can remove barriers to opportunity and success, both mental and physical health; that might have been part of a family’s life for years, if not generations.
As a counselor for the last 22 years I have seen the effects the living environment has on the mental, emotional, and relational life of individuals and families. Having inadequate housing can cause depression, anxiety, and encourage poor methods of coping. It can affect how you see yourself, what you perceive as your value, and what you expect out of life; this can color and affect your personal identity. In turn, the opposite also proves to be true, a safe and secure home can provide a stable foundation for a healthy life where good habits and loving memories are created.
A home is more than just shelter from a storm, it is a place for personal growth. A comfortable home atmosphere produces a sense of safety, belonging, peace, and joy. It is an individual’s haven away from the world. A safe, stable, and affordable home provides a release from the anxiety of wondering if your needs will be met and instead fosters the opportunity for personal growth.
Let me give you a real life example. Angie (not her real name for privacy purposes) was a client of mine. She had been married for 10 years to a narcissistic, verbal and emotional abuser. She had two small children, a low-paying job, and felt crushed emotionally from years of abuse. As a counselor, I sought to help her restore her voice and identity. I planned on teaching her how to identify abusive patterns, set boundaries, and instead of reacting, respond with healthy thinking and life skills. I wanted her to obtain discernment skills for a better future.
This emotional journey would require Angie to learn how to re-frame faulty thoughts so that she could recast life patterns and have the ability to pass down healthy relationship skills to her children. It would require systematic change, one choice at a time, to produce health and wholeness for her entire family. But, how could any of that be obtained if we didn’t first address her immediate need for a safe place to live?
As a first step to starting this next chapter in her life, Angie and I worked together to find her a place she could call home. A place that was physically safe, devoid of toxins, or peeling paint. A place where her children could go outside without her being afraid for their safety. Once we found her a home that met her needs and provided a sense of security, she was able to put her effort into moving forward and healing mentally and emotionally from past wounds. Thanks to a safe place to call home, she was able to begin the journey into making a new life for her and her children.
About Dr. Michele
For over 22 years she has provided thousands of people with tools and skills to “Think, Choose, and Thrive.” She works in her local office but also serves clients all over the country via online platforms like Skype.
Contact her at www.DrMichele.org, or call (904) 730-0775.
See more from her at https://www.youtube.com/user/drmichelefleming.
Two families who partnered with Habitat for Humanity of Lake-Sumter received the keys to their homes on Wednesday, June 17th 2020; Kim Stull and Sara Mcghee officially became homeowners with a hand-up from Habitat Lake-Sumter.
When a family partners with Habitat for Humanity, they take their first step down a new path – one with fewer barriers to a better, healthier, and more financially stable life.
Families may find themselves in need of decent, affordable shelter due to a variety of circumstances—unpredictable rent increases, overcrowded living conditions, damaged or dilapidated structures, or lack of access to affordable financing.
But Habitat Lake-Sumter and our partner families walk side-by-side on the journey to home ownership. Sara and Kim both became active participants in the homeownership process. Following the criteria of our home ownership program, each had to fulfill 200 hours of ‘sweat equity’ by working alongside volunteers to build trusses, paint walls, and hang the doors; to build the places they now call home.
In the midst of fulfilling sweat equity hours, homeowners also attend financial education classes and learn the basics of budget management. Receiving the key to your home signifies more than being approved through a traditional home buying process, it also shows that you’ve invested 200 hours into your new home and education to build a better future for yourself and your family.
While their journey with Habitat for Humanity of Lake-Sumter is complete, the journey to a stronger, more stable future begins; we celebrate with Kim and Sara as they take their first steps as new homeowners. Congratulations to The Stull Family and the Mcghee Family!
Building a Healthy Home Environment for Children
The home environment is considered to be one of the most important factors in the neurocognitive development of children. This is especially true in the first years of life when a child’s experiences are predominantly dependent on what is provided by their parents.
The home environment consists of physical and social components, such as household possessions, play materials, parent-child interactions, family size, and structure. Favorable surroundings provide the psychological stimulation and support necessary for optimal development of early cognitive skills. These factors have been proven to lead to education and employment success later in life.
Creating Space to Grow
When a child doesn’t have space to freely move around, normal development can be hindered. A healthy home environment allows children to thrive and reach important developmental milestones that lead to long-term health. For example, gross motor skills help children achieve many tasks that may seem minimal to adults such as learning to walk.
In an overcrowded living space or home full of clutter, children are not safe to be placed on the ground, which can stunt their development. By having floor time and tummy time, children learn to roll, crawl, pull to stand and subsequently walk. This activity enhances brain development which is key to language skills, problem solving skills and fine motor skills. Clutter and crowding in the home can prevent the child from being able to communicate their needs and wants, and exacerbate underlying mental health concerns.
The Importance of a Healthy Home
Children need room to run around and play outside and inside the home. They need an organized, clutter-free environment that promotes imaginative play.
Unfortunately, families of low socio-economic status are forced into choosing food to feed their family over a safe home environment with a yard and room for children to play safely.
Parents living in cost-burdened homes are often unable to provide stimulating materials for their children such as toys and books. A review of research indicates that crowded and inadequate housing increases tension, punitive punishment, aggression and conflict within the household. These conditions can also increase sedentary behaviors, reduce the ability to cope with stress, negatively affect quality of sleep, lead to inflammation and raise the risk of obesity.
A healthy home environment can transform the daily lives of children and create the foundation for long-term physical and cognitive health.
Kristy Beron, APRN, is an advanced practice registered nurse at AdventHealth Medical Group. She specializes in preventive health, acute and chronic illness management, test administration and interpretation, cardiac medicine and urgent care.
To schedule an appointment with Kristy Beron, call 352-343-3330 or visit AdventHealthMedicalGroup.com.
The virtual dedication ceremony for a home that Villages High School students helped build is bittersweet for students. The volunteers and Habitat for Humanity supporters who would normally attend the dedication, including the 11 students, were all absent. “I know they’re disappointed they didn’t get to finish,” said teacher Bruce Haberle, who runs the charter school’s Construction Management Academy. His students built 80% to 85% of the three-bedroom, two-bath house for Habitat for Humanity of Lake-Sumter, he said. Habitat plans virtual dedications for all five homes that volunteers built this year. Female-led households will receive the keys to their new homes in the dedications between mid-May and June.
Danielle Stroud, Senior Director of Programs & Partnerships, took us on a tour of our 5 construction sites in Lake and Sumter County. Stay tuned for the virtual dedications!
After touring the home she and her family were presented Friday, Lorie Lozada said: “We have two beds and TVs but we need sofas and a dining table, things like that. But that’s OK, little by little we’ll get what we need. The house is the important thing.”
EUSTIS – Around this time last year, James Santiago, his wife Lorie Lozada and their now 8-year-old son Jianluc Santiago were pondering a move from Puerto Rico to Florida after losing their home and possessions to Hurricane Maria. They had no idea where they would be living or what was in store for them.
On Friday morning however, they received keys to their very own home in Eustis, built just for them by Habitat for Humanity and other organizations, including the Ohlsson Charitable Trust, the Women Builders and the Lake County Sheriff’s Office, who all came together for the cause.
“We are emotional and so excited,” Lozada said. “We just feel so incredibly lucky,”
The family had first been living in a hotel, and then in a nearby apartment.
“It’s a beautiful house and I feel so happy and grateful,” Santiago said.
Friends and family of the recipients, volunteers and members of all the participating organizations were invited to a “Welcome Home” dedication ceremony in front of the 3-bedroom, 2-bath home on Friday morning.
Habitat’s CEO Kent Adcock said for him, helping the family was especially meaningful because his own parents were victims to the wrath of Hurricane Katrina in 2005, and lost their home because of it.
“I know what they are feeling; what they are going through,” Adcock said at the dedication.
Through the building process, the house served to help many others along the way.
Lake Tech’s Laurie Bryant of the Women Builder’s “Hammer Knocker” team, said she was able to learn about what goes into building a home from scratch and found it very fulfilling.
Bryant and her team members on Friday, presented the family with a bible and a tool kit after they were presented with a flag by Ron Grove of the Sons of the American Revolution.
“I am honored that we were able to help build this house,” Bryant said.
“We looked out the window and watched our walls tumbling down our stairs,” says Lorie Lozada.
Lozada, originally from New York, watched in horror with her family as their house was torn apart in front of their eyes as Hurricane Maria, a category 5 storm, ravaged Puerto Rico in the fall of 2017.
“After my father passed away in ‘96, my mom moved back Puerto Rico to be closer to family” says Lozada. “When my mother had a heart attack three years later, my daughter Alexandra and I moved to Puerto Rico to take care of her.”
That’s where Lozada says she met her husband James. “By the time my mother passed away, I’d met James and we had a son, Jianluc.” So, rather than move back to New York when her mother passed, Lozado’s family built a life in Puerto Rico. There they lived in a second story wooden addition, built above her mother-in-law’s concrete home.
“When the storm hit, we thought we were prepared,” says Lozada. “We had canned goods, gas, water, enough supplies for 8 or 9 days.” But the storm was much worse than they could have imagined. “I’m from New York, I’d never seen anything like this, it was horrifying,” said Lozada who says she can remember the terrible noises coming from above as they hunkered down in her mother-in-law’s home.
Peering out during the storm, Lozada recalls seeing her refrigerator falling to the ground just outside of the window. “The wind picked the fridge back up, ripped it in two, and sent the doors flying in one direction and the rest flying in the other.” When the storm finally past, Lozada says their home was destroyed and, because her mother-in-law’s home sustained damage as well, they could not rebuild the second story addition. “One of the walls of our home was blown onto our car. We lost everything except for a few mementos and some clothing we had time to grab.”
“FEMA assessed the damage and our situation and offered us some help, including airfare to the United States.” As a territory of the U.S., citizens of Puerto Rico also have American Citizenship by birth so coming to the U.S., where both Lozada and her husband have family, was an option but it wasn’t an easy decision.
The couple’s son had grown close to Lozada’s daughter Alexandra, and her husband’s son Kevin, both of which chose to stay in Puerto Rico, making their decision to leave even harder.
“We sat down and prayed and prayed as a family,” says Lozada. “We’re big on our faith and we put everything in God’s hands.”
Rather than going back to her home state of New York, they chose to relocate to Florida where her husband has cousins and extended family. Lozada says the transition wasn’t easy but she’s incredibly grateful for all the organizations that have lent them a hand in their time of need, including Habitat for Humanity of Lake-Sumter.
“After living in a hotel for a while, we eventually settled into an apartment in Eustis,” says Lozada. While they were looking for housing, one of James’ cousins encouraged the family to apply for help through Habitat. “Once we were contacted by Habitat, we still weren’t certain we be able to make it work. We really had to work with a lot of agencies to tie it all together.” The Small Business Association, FEMA and help from Habitat Lake-Sumter all played a role in helping Lozada and her family qualify for a home through one of Habitat’s programs.
“It’s a pale green bungalow with orange shutters,” says Lozada. “When you see it in person, the colors work beautifully together.” And she’s seen the property often, living within walking distance now, Lozada passes by her future home on a daily basis and says it should be ready any day now.
Lacie Himes, Development Coordinator for Habitat for Humanity of Lake-Sumter, says construction on Lozada’s home began last spring and was made possible through the fundraising and volunteer hours of the organization’s Women Build program. Himes says the Inmate Construction Academy also played a significant role in completing the house, bringing together two of Habitat’s most successful programs to build a new home for Lozada and her family.
Two years ago, Lozada and her family were preparing for Hurricane Maria. This fall, they’re looking forward to a different kind of chaos.
“We’re hoping to be in our new home before Thanksgiving,” said Lozada who plans to start their own traditions, bringing together influences from both Puerto Rico and the United States. “We’re planning to share the holidays with lots of friends and family, bless the house with everyone in it and have a big, crazy Thanksgiving!”
By David Larrick
You’re invited to meet the Lozada’s and celebrate with them as we dedicate their home on Friday, November 22nd – Contact Shari for details and to RSVP: Shari@HabitatLS.org or (352) 483-0434 x 118
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!
Do you know that 2019 commemorates Habitat for Humanity of Lake-Sumter’s 30th Anniversary?
Thirty years of providing access to affordable housing and removing barriers to opportunity, success, and health in partnership with YOU!
As we look forward to the exciting and unique projects being started this year; such as, The Cottages at Heritage Grove, a 23-unit community in Tavares, FL and the addition of the Leesburg High School to our Youth Construction Academy. We pause and reflect on how our affiliate has changed and grown, who we have served and how it has impacted where we live. In the midst of it all, we take an account of our cause- everyone deserves a decent, safe, and affordable place to call home.
Each year the National Low Income Housing Coalition (NLIHC) releases an “Out of Reach” report documenting the Housing Wage (what an individual needs to be paid in order to afford housing in the area) and the Fair Market Rent (the standard cost of rent in the area).
Coincidentally, this year the NLIHC’s “Out of Reach” report also celebrates their 30th Anniversary and reflects how the housing market has changed in the past three decades. The “Out of Reach” report references the gap between wages people earn and the cost of living, specifically the cost of housing; arguably one of the biggest factors in the individual and families stability. HOME is a primary factor in safety, security, health, school and job performance; yet for many the cost of home has become too high.
Rents and homeownership costs are skyrocketing while wages are not keeping pace. Everyone should have enough money left over after paying rent or mortgage costs to cover life’s necessities. So what can we do to impact change, to make a difference for our family, our neighbors, and our community? We can be the advocates. It begins with knowledge, an understanding of how it affects you and where you live: Eustis, Tavares, Bushnell, Clermont, The Villages, and every pocket of Lake and Sumter Counties between.
“A recent national poll commissioned by NLIHC’s Opportunity Starts at Home campaign finds 85% of the public believes a safe, decent, affordable place to live should be a national priority (NHLIC, pg. 8).”
At Habitat for Humanity of Lake-Sumter we believe it should be a local priority! Partner with us, join our Cost of Home campaign, read the NLIHC’s “Out of Reach” report and look for our How-To: Advocacy Guide in October. Together we can build homes, communities, and hope!
Three newly built cottage-style homes in Coleman, including this one at 6702 Winkles St., will be dedicated Saturday by Habitat of Lake-Sumter before the keys are turned over to the new homeowners: Eddie Broglin, Kaylei and David Tranor, and Gennivieve Sprague.
“These are the first cottage-model homes we have ever built and dedicated; the first type of small trial homes,” says Danielle Stroud, director of development, for Habitat for Humanity of Lake-Sumter, Florida.
She says the 2 bedroom/1 bath homes of about 700 square feet each were designed for smaller families entering the housing market or those seeking to downsize.
“There is a huge interest and need for more smaller, entry-level homes,” Danielle says. “And when you think about the trends in housing, bigger homes have gone by the wayside. A lot of folks cannot buy that big for their first-time home.”
Danielle says the three cottages in Coleman are half the size of the cottage-style houses Habitat built in Veterans Village in Umatilla.
Saturday’s dedication will feature a gathering of volunteers, sponsors, the homeowners’ loved-ones, along with local dignitaries, including Congressman Daniel Webster, a strong supporter of Habitat for Humanity of Lake-Sumter. The congressman also spent time volunteering to build one of the houses being dedicated.
Jasmine Jacobs held tightly to her 6-year-old daughter’s hand as they walked up to their new home together. Awaiting their arrival were some of the people who helped her become a first-time homeowner, including 11 seniors from the construction management academy at The Villages High School. The young builders stood proudly outside the brand-new home on Winners Circle in Lady Lake as it glistened in the sunlight Friday morning.—Rachel Stuart, The Villages Daily Sun
As the first graduating class, the success of the partnership between the Villages Charter School and Habitat for Humanity of Lake-Sumter was evident in the smiling faces of the new homeowner, students, teachers, and sponsors alike.
As the Youth Construction Academy expands to include Leesburg High School and over 70 new students; the success and growth of the Youth Construction Academy is due in no small part to United Way of Lake-Sumter. United Way has chosen Habitat for Humanity of Lake-Sumter to receive an education grant in support of the Youth Construction Academy.
The Villages Charter High School students worked alongside industry professionals, instructors, and Habitat Construction Manager, Barry Martin, to build the house as part of their capstone project; construction began in August with the students building as their first period class.
“They were able to hone their construction skills and get a realistic feel for the business,” said Bruce Haberle, instructor of the construction management academy. “It’s a team-building experience where they were able to give back to those who are less fortunate.”
United Way’s mission is to “advance the common good by focusing on education, income and health,” Habitat of Lake-Sumter and United Way share in the belief that these three things are the “building blocks for a good life—a quality education that leads to a stable job, enough income to support a family through retirement, and good health.”
Thanks to United Way of Lake-Sumter and their ongoing partnership with Habitat’s Youth Construction Academy, the graduating class will be the first of many students to gain experience, acquire employable skills, and engage in the social responsibility and community impact that shapes professional and personal development.
“It’s been amazing, and they’ve done a great job,” said Danielle Stroud, Senior Director of Development for Habitat for Humanity of Lake-Sumter. “We really hope they learned something along the way, which is the purpose of this partnership.”
Check out some photos from the dedication on our Facebook Page!
Jasmine Jacobs held tightly to her 6-year-old daughter’s hand as they walked up to their new home together. Awaiting their arrival were some of the people who helped her become a first-time homeowner, including 11 seniors from the construction management academy at The Villages High School. The young builders stood proudly outside the brand-new home on Winners Circle in Lady Lake as it glistened in the sunlight Friday morning. For the first time, Habitat for Humanity of Lake-Sumter partnered with The Villages Charter School to build the house. Construction started in August, with the students working several days a week until it was completed.
“They were able to hone their construction skills and get a realistic feel for the business,” said Bruce Haberle, instructor of the construction management academy. “It’s a team-building experience where they were able to give back to those who are less fortunate.”
Habitat for Humanity, a housing organization that works with communities across the nation, chooses its recipients through a first-come, first-qualified process.
Jacobs, a retail store manager, learned she had been selected after going through several steps for approval.
“I was overwhelmed,” she said. “I was like, ‘Is this really happening?’ But now that we’re at the tail end of it, I’m just so excited.”
The families chosen by Habitat for Humanity are required to contribute 200 hours of sweat equity, which means they take part in the building process.
Jacobs helped by greeting and thanking volunteers and donors, and she also took financial-education courses, credit counseling and first-time homebuyer courses.
“I got to help do the outside, and I did some caulking, painting and flooring,” she said. “I had no idea what I was doing, but the kids from school were very nice and helped me out.”
She said she enjoyed working with the students because they brought some lively energy to the site.
“They were loud and funny, making jokes and blasting music,” she said. “They made it fun.”
This is the first home students have built through the academy, which launched last school year.
“It’s been amazing, and they’ve done a great job,” said Danielle Stroud, director of development for Habitat for Humanity of Lake-Sumter. “We really hope they learned something along the way, which is the purpose of this partnership.”
If you are familiar with Habitat for Humanity you’re likely familiar with the term “Sweat Equity.” A simple phrase with a big meaning. Sweat equity is often used to describe the value someone adds to a project through the hard work they contribute to making it a success. For example, Habitat home owners contribute sweat equity by volunteering on a worksite, in the office, or through educational courses.
For Anita Brooks, the term “sweat equity” may have been new but the concept was far from foreign to her. Ms. Brooks, as her students call her, is a third-grade teacher who earned her teaching degree while working for the school district. “I worked as a receptionist for 12 years,” said Anita. “And I put myself through school so I could become a teacher.”
It was a colleague of Anita’s at the school that first turned her on to the idea of partnering with Habitat for Humanity to build a home. Anita and her family had always been renters but had a unique opportunity to build on land deeded to her by her mother. The two-and-half acre parcel was just minutes from their current home, in rural Oxford and the location played a part in the home Anita and her family chose to build.
“They gave us a few options in terms of models we could pick from,” said Anita. “Being in the country, I knew I wanted a porch.” Her daughter, 15-year-old Lailah suggested they go a four-bedroom model so Anita could use one of the rooms as an office. Anita agreed noting that she often brings work home with her no matter how much time she spends at school.
As her house begins to take shape, Anita says she stops by every day after school to see what has been accomplished and hopes that someone is still there working so she can express her gratitude. “I just want to thank everyone who has had a hand in building my home,” said Anita. Those working on her home often seem surprised by her gesture, but Anita feels it’s only right to express gratitude to those helping her accomplish something she couldn’t do on her own.
As a family that rented but never owned a home of their own, Anita says that her daughter is excited to finally have a room that she can do something with. “She likes to watch where her room is going to be. She’s enjoying the thought of picking out colors and making it her own,” said Anita.
The family plans to close on their home this summer and Anita says they’ll likely have a house warming party just to have family over. “I don’t need anything else, no more toasters or anything,” she said laughingly. “But we’re very family-orientated and this will be a great place to celebrate each other and the things we accomplish.”
Anita also wants her daughter and her older son Brandell, who’s 21 and no longer lives at home, to know that they finally have a home to come back to.
As for sweat equity in her new home, Anita says she’s ready to invest in the house she plans to make a home for her and her children. “I’ve been saving up my vacation days,” she says with enthusiasm. “I’m looking forward to helping out and getting my hands dirty!”
By David Larrick
In our last article we compared various hourly wages and what they could afford for rental housing based on the 2018 Fair Market Rent (FMR) per month. We learned that it took $18/hour, or $37,440 per year, for a person to afford the 2018 FMR of $840 for a one bedroom home.
But what if you wanted to buy a home? On the traditional market, many of these same wages may face extreme difficulties in obtaining their own home and staying within the envelope of affordability. That’s where affordable housing builders step in – organizations like Habitat for Humanity of Lake-Sumter or Homes In Partnership exist to partner with families who are edged out of the traditional market. These organizations offer opportunities to partner, allowing the financial entry point to homeownership to become more obtainable.
Let’s take a moment to look at a real life scenario – let’s meet Janice and Rose. We’ve used her budget and income to compare her rental reality in a 2BR Fair Market rental prior to her obtaining a 2BR home built in partnership with Habitat for Humanity of Lake-Sumter. Like all of the families who qualify for the Habitat program and are approved for their loan, Janice was able to get into a home with zero down payment, no closing costs, and a monthly mortgage that includes taxes and insurance that they can afford. Now she and her daughter have a safe and secure place to call home.
$12/hour: Annual Gross Income $24,960: Monthly Gross Income $2,080
Janice moved from paying 48% of her gross income for her two bedroom rental (with a negative cash flow of $376) to owning her own home, paying just 23% for housing, with a positive cash flow each month. While these numbers are still based on gross take home, we can see the meaningful shift toward a more realistic budget.
What’s the impact on her health? Her outlook for a future? Her ability to withstand an unexpected expense?
Affordable housing is affordable not because it’s of lower quality or built to sub-standard codes. It’s affordable because of the generosity of donors and volunteers who invest in the future of these families. Habitat for Humanity of Lake-Sumter works to build an affordable product, but also works to raise capital through relationships in the community in order to subsidize the homes for these families so they can be sold at a price that is affordable.
Habitat for Humanity of Lake-Sumter firmly believes in providing a pathway out of poverty. According to The U.S. Department of Housing and Urban Development studies have shown that “homeowners accumulate wealth as the investment in their homes grow, enjoy better living conditions, are often more involved in their communities, and have children who tend on average to do better in school and are less likely to become involved with crime.” Because of the stability and financial flexibility that an affordable home offers, higher graduation rates for children of homeowners is 19 percent higher than for renters, and they are twice as likely to acquire some post-secondary education, according to a study in a journal published by the Federal Reserve Bank of New York.
As with many of our families we are looking forward to seeing Janice and her daughter Rose prosper – you never know who Rose will grow up to be, but we are happy to have had a part in providing her the opportunity to thrive.
By Lee Owen
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?
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.”
B is for Baloney: The Myth-ing Information Problem
What’s the first thing that pops into your mind when a young couple talks about finding affordable housing? What about when a politician talks about it? Or a non-profit?
Lots of myths and mis-information about affordable housing affect our understanding of it. Here are some of the highlights from a Community Housing Partners fact sheet, Affordable Housing Facts . (Similar sources are linked at the end of this article.)
- It’s ugly: In the past, this was probably true, but the laws have changed. Affordable housing has to fit the community character in size and style, and it has to meet the same building restrictions and design standards as market-rate housing. If government funding is involved, then construction might have even more restrictions or higher standards. What makes it ‘affordable’ is the financing of the construction and/or the mortgage.
- It increases crime: According the CHP fact sheet, “There is no correlation between safe, decent and affordable housing and crime. Studies show that what does cause crime (and a host of other socio-economic ills) is community disinvestment, overcrowding, and a lack of jobs and community services. Failure to build affordable housing leads to slum conditions of overcrowding, absentee owners and deteriorating properties with no alternatives available to low-income families…Careful screening, proper management, and security measures help assure that illegal activities do not take place and that, if they do, they are dealt with swiftly and decisively. Most affordable housing residents want nothing more than to become part of the quiet, peaceful life of the surrounding community. They have sought out affordable housing so that they can live independent, self-sufficient lives.”
- It isn’t an asset to the community: The opposite is true. Affordable housing “enables low-paid workers and others to avoid homelessness…avoid the need for public benefits…enables individuals to stabilize their lives so they can pursue jobs, access needed services, and deal effectively with any problems they may have…Availability of affordable housing enables the city to attract and to retain employers who require affordable housing for their lower level employees…also reduces the stress on other government-provided social services.”
Other sources note another common myth: “I don’t know anyone who needs affordable housing.” Actually, you probably know at least one and maybe even several. Let’s go back to the definition of ‘affordable,’ which is 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).
Look at the chart below; if you’re earning $10 per hour, on a 40 hour week, a 4 week month, an affordable rent or mortgage situation would mean paying no more than $480 per month. This is at an annual income of $19,200. Another way to look at this is to look at the monthly rent column; for example, it’s very common to see a 2 bedroom apartment renting for $1200+ per month. To keep that ‘affordable’ you’d have to be earning $48,000 per year.
|Weekly gross income @ 40 hours||Income working 4 weeks per month||Affordable Monthly Housing Expense||Annual Income required:|
Any guesses as to a typical income in your company? Your church? Your community? Do you know what the median hourly wage is for your area? The median rent? Once we look at housing costs from the perspective of hourly or annual income, we learn a few things…and we’d be surprised at who we know or who we’re near who needs affordable housing options.
To better understand this way of looking at the issue, the National Low Income Housing Coalition (NLIHC) calculates what they call “The Housing Wage.” This number illustrates what hourly wage you’d have to earn to afford the typical rent based on where you live. For 2018, Florida has the 16th highest housing wage requirement in the entire country. Any guesses at to what you’d have to earn per hour to afford a typical 2 bedroom rental home in the state? Or if you’re earning minimum wage, how many hours you’d have to work each week to meet that ‘affordable’ number? I double dog dare you to find out!
Your turn: If you’re up for the double-dog dare, go to the NLIHC site and see what hourly wage is required to afford (pay less than 30% of household income) rent/PITI in various locations. You can even drill down by zip code.
We encourage you to talk about this with everyone you know. Why? Because there’s someone out there who needs this information…and feel free to send them our way if they’re looking for an affordable home to buy in Lake or Sumter Counties. Let’s get the word out about making housing affordable!
And don’t forget to share your discoveries with us on social media.
click here http://www.shimberg.ufl.edu/publications/FL_2017_RMS_fact_sheet.pdf (Florida specific info)
Maybe you aren’t cost-burdened. You don’t have to decide between paying the light bill or buying food. And neither do your friends or neighbors. Maybe you’re thinking this whole issue of affordable housing doesn’t affect you.
A 2014 report by Enterprise Community Partners (here) should make us all pause and reconsider. The lack of affordable housing has measurable impacts on families, communities, and society overall. The report on housing instability, including homelessness, presents their findings by major issues; below is an excerpt of just three of these issues we can all relate to:
• Education — Housing instability/homelessness (HI/H) jeopardizes children’s performance and success in school and contributes to long-lasting achievement gaps. The stress of HI/H makes learning difficult; in addition, it disrupts school attendance, lowering students’ overall academic performance. Long-term academic success is directly impacted by housing stability.
• Health — HI/H has serious negative impacts on the health of children and adults. Problems include asthma, being underweight, developmental delays, and increases the risk of depression, to name a few. Affordable housing provides stability, freeing up resources for nutritious food and health care.
• Neighborhood Quality — The report states that “A number of national and regional studies have found that investments in affordable housing produce benefits in the form of jobs, local income, sales, increased property values and property tax revenues…” and “…Numerous studies show that affordable housing has a neutral or positive effect on surrounding property values…”
Let’s bring this closer to home. In October 2017 the Orlando Sentinel published the results of a study done by the Shimberg Center for Housing Studies at the University of Florida and Miami Homes for All, a South Florida nonprofit. The research focused on student homelessness; the Sentinel’s article (“Central Florida’s Homeless Students Top 14,000”) can be found here. According to the study, “…only 24 percent to 27 percent of homeless students passed assessment tests, while 40 percent to 48 percent of other students did.” They had higher rates of truancy and suspension, and “Even compared with students who live in poverty but are not homeless, the students whose families stay in shelters, cars, doubled up with another family or in extended-stay hotels fared significantly worse…” The Sentinel quotes Christina Savino, Orange County Public Schools senior administrator for homeless and migrant education: “…that lack of a stable home still really makes a difference.”
The lack of affordable, stable housing eventually ripples through all aspects of the local community and economy. While you might not be cost-burdened based on your income, your larger community, including the central Florida region as a whole, suffers when families are priced out of a stable place to call home.
Your turn: Contact a local food pantry, teacher, community police officer, or health clinic and discuss the issues they see related to housing instability/homelessness. For example, ask the food pantry how hunger affects their clients’ choices on other critical needs; ask a teacher how hunger affects a student’s classroom behavior and academic progress; ask a local police officer how the lack of affordable housing affects crime; ask a health clinic about the impact of delayed medical attention on children and families. Who else might you discuss the topic with? Share your experiences with us!
Affordable Housing Part I: The A, B, Cs
A is Also for Affordable Alternatives
Housing burdened. That’s the diagnosis if you’re paying more than 30% of your household income in rent/utilities. If you’re paying 50% or more, then you’re extremely housing burdened, but you probably already knew that! Whether you’re renting or trying to buy a house, are there options for finding something that fits your budget?
The good news? Yes, many programs help with renting or buying, based on location, income, family size, and other criteria. Their goal is to keep you at/under that 30% benchmark. Habitat for Humanity Lake Sumter is one of them, though we’re a small non-profit rather than a government-funded agency. If you’re hoping to buy a home in Lake or Sumter County, FL, consider starting with us. Review our Home-Ownership Qualification Criteria here: https://habitatls.org/programs/apply/.
For more comprehensive options, explore what’s offered by the Federal government, as noted in the links below; we’re sharing content from these websites as well.
The bad news? Finding the right one takes a lot of time and effort, and there’s often a long waiting list to access these programs.
Renters: The U.S. Department of Housing and Urban Development (HUD) is the mothership of programs and information. Start here https://www.hud.gov/topics/rental_assistance and use their links:
- Privately owned subsidized housing – HUD helps apartment owners offer reduced rents to low-income tenants. Search for an apartment and apply directly at the management office.
- Public Housing – affordable apartments for low-income families, the elderly, and persons with disabilities. To apply, contact a public housing agency (PHA).
- Housing Choice Voucher Program (Section 8) – find your own place and use the voucher to pay for all or part of the rent. To apply, contact a public housing agency.
- HUD Resource Locator – search for HUD field and regional offices, local PHAs, Multifamily and Public Housing locations, homeless coordinated entry system points of contacts, and USDA (Department of Agriculture), which focuses strictly on rural housing
Were you surprised to see the USDA listed? Their programs cover rentals, home purchases, and even repair grants. https://www.usda.gov/topics/rural/housing-assistance
- USDA Rentals: Click on the state and keep going as prompted. https://rdmfhrentals.sc.egov.usda.gov/RDMFHRentals/select_state.jsp
Home Buying: Both HUD and the USDA are good sources for home buying information, guidelines, and financial input. Check these links to learn more:
- HUD: https://www.hud.gov/topics/buying_a_home
- HUD: Housing counseling agencies throughout the USA offer advice on buying or renting, credit issues, and more. https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
- USDA: Home buying loans for low and very low income people in qualified rural areas: https://www.rd.usda.gov/programs-services/single-family-housing-direct-home-loans
Your turn: Find an affordable apartment for a) your elderly uncle (monthly income $960) or your cousin (a single mom with a pre-schooler, earning $15/hour working 40 hours/week). Rent + utilities cannot exceed 30% of the total monthly income. Using the resources above, find what programs are offered in your area; are they in a city or a rural area? What restrictions apply? Is there a wait list? How long? You have one week to find it…GO! Don’t forget to share what you learned in this process on our FB page, https://www.facebook.com/habitatls/
A is for Affordable…
“Can we afford it?”
This is one of the first questions any renter or home buyer should be asking. But what, exactly, does ‘affordable’ mean? What’s affordable to you might not be to me. Is this just a philosophy about how to handle money or is this something more concrete and measurable?
It’s actually very straight-forward. The term ‘affordable housing’ means that the household spends no more than 30% of their total household income on rent plus utilities.
Because households need money left over to pay for things like food, transportation, and healthcare—known as non-discretionary spending (these are ‘needs’ not ‘wants’).
“Housing expenditures that exceed 30 percent of household income have historically been viewed as an indicator of a housing affordability problem. The conventional 30 percent of household income that a household can devote to housing costs before the household is said to be “burdened” evolved from the United States National Housing Act of 1937” (1).
The Housing Act created the nation’s public housing program to serve families with the very lowest incomes. Since then, a variety of definitions were used to establish what was considered ‘affordable’ for public housing rents. By 1981, the 30% benchmark was put into place and has remained the standard.
This benchmark eventually became part of the home-buying process when lenders began using it as part of their evaluation of a buyer’s ability to repay the loan, especially if the borrower had other debts to pay. However, in mortgage-lending land, “rent plus utilities” was replaced by the PITI factor: this is the combined total of the loan’s Principle, Interest, Taxes, and Insurance. “Through the mid 1990s, underwriting standards reflected the lender’s perception of loan risk. That is, a household could afford to spend nearly 30 percent of income for servicing housing debt and another 12 percent to service consumer debt. Above these thresholds, a household could not afford the home” and the lender wouldn’t take the risk of the buyer defaulting (1).
This benchmark helps families and landlords or lenders objectively gauge the household’s ability to handle the financial burden of the monthly housing payment. Whether it’s a rental or a purchase, then, it’s a very helpful tool and one we’ll come back to later in this series. The big question now is: based on this definition of ‘affordable’ what are my options if I can’t find a place I can afford?
If that’s the case, then it’s time to look at the variety of programs in place to help make housing affordable, whether it’s a rental or a home purchase. We’ll look at some of those next time and also consider why affordable housing is important…not just for a family but also for the entire community.
Your turn: Calculate what percent of your household income is used to pay for your housing (rent + utilities, or mortgage PITI). Next, ask others you know to do the same. Consider asking employees, young singles or marrieds, etc. Discuss how your and their situations would look if 50% or more of your total household income went to pay for housing. What other expenses would be affected?
UMATILLA, Fla. — Habitat for Humanity of Lake-Sumter is done building homes in a Lake County neighborhood.
- Habitat for Humanity builds homes for ‘Veterans Village’
- Affordable homes meant for veterans, active military
The 13 affordable homes are for veterans, activity military and spouses of those who have served.
It’s called the Veterans Village and it’s located in Umatilla.
Shawn Unger moved into the development at the end of June.
“(I) wanted to get out of the apartment living and into a home. I do have two small children in the house, so a little more wholesome living than that of the apartment,” said Unger.
Unger says he went into the Air Force when he was 17 years old after graduating from high school.
“My parents had to give me permission to do so and sign a form, and then I reported to Lackland Air Force base in 1985,” he said.
Unger’s house is one of 13 Habitat for Humanity of Lake-Sumter started building in 2016.
Through his time in the United States Air Force and his various career tracks post-service, Shawn Unger has travelled across most of the North American continent. Born and raised in West Virginia, Shawn enlisted right after graduating high school in 1985 and spent a full year in Mississippi learning to be a radar technician. He was initially slated to head to Europe for his duty station, but it was then changed last minute to South Dakota.
Once he left the Air Force, he began working for SAIC, a major IT support company, and transitioned from there to Sprint where he worked up to a position as Network Service Manager for the AOL account. After a talk with his father one day at a NASCAR race, he decided to try out the trucking world, and drove big rigs all over the US and Canada; his last employer, out of Tampa, is what led him to make Florida his home.
He left the trucking industry to work for the Department of Homeland Security for a short while before returning to an IT position with Convergys in Lake Mary, Florida. He now lives with his two young sons, Phoenix and Caleb, while his eldest son Timmy lives in New Hampshire. Shawn is looking forward to his wedding later this year to his fiancée, Rowena, who is from the Philippines.
We knew when we built the Veterans Village that we would meet some people with remarkable backgrounds and unique experiences. After all, serving in the military is essentially a guarantee of at least a few good stories. However, among all of our homeowners in the Veterans Village, none stand out as defiantly and inspirational as Ike Fretz. Our most recent resident to move into the Village, Ike’s history of service is impressive, but it’s what he’s done – and continues to do – post-service that really galvanizes the warrior spirit.
Ike served in the United States Army from 1989 through 1994 and was on active duty for Desert Storm. During that conflict, he sustained an injury while working as part of a two-man evacuation team. His actions earned him several commendations but they also left him permanently injured and wheelchair-bound. It was several years into his recovery and adaptation process that a recreational therapist introduced him to adaptive sports, and it was the beginning of a brand new outlook.
Since then, Ike has won multiple gold medals in the National Veterans Wheelchair Games events, including power lifting, basketball, bowling, and hand-cycling, which he took to the extreme with a Washington-State-to-Washington-DC cycle in 2012. Ike says that when he competes in these games, he does so to honor other veterans that he holds dear, whether living or passed, and uses his actions in spite of adversities to inspire other veterans to keep fighting.
Because of his profound story, dedication, and impact, an anonymous donor took note of Ike’s placement into a Veterans Village home and decided to pay off Ike’s mortgage, in full, as a way of honoring how he served our country and continues to serve other veterans. We were able to surprise Ike and his caretaker, Sherrie, with the news on May 23, and have an opportunity for the donor to meet Ike and thank him in person. It was a truly moving experience and added yet another momentous chapter to Ike’s already extraordinary story.
A Beginning and an End
On April 14th, Habitat of Lake-Sumter was proud to dedicate three new homes and officially welcome the Homrich, Dyhr, and Mabry families to the Veterans Village! The families were honored for their hard work and dedication through the completion of the Home ownership program, and were celebrated on beginning the first chapter of their new journey. This event came as the perfect ending to a season of generosity in our community, as local donors alongside RoMac-Lumber & Supply raised money in support of the community through the March Match campaign.
The Veterans Housing Initiative has always been a special cause to Don Magruder, CEO of RoMac, and his pledge to match donations, dollar for dollar, inspired donors to give generously… doubling their investment in affordable housing. This year, the match ran through the month of March, and because of the community’s generosity and dedication to the mission, the campaign met and exceeded the goal of $10,000!
Our Community Partner
As one of our long-standing partners, RoMac Lumber & Supply has been a huge contributor to our mission and has enabled us to continue reaching the community across Lake and Sumter county. RoMac has been a staple of Lake County for over 70 years and has expanded to serve much of the Southeast United States. Whether it’s wood, trusses, doors, or otherwise, RoMac has remained a steady supplier of quality materials and service for central Florida and beyond.
Our Homeowners, The Reason to Give
In attendance to greet and celebrate our three Veteran families were 20 community members. The joint home dedication, gave an opportunity for food, fellowship, and viewing of the families homes. Each homeowner has their own story to tell, but here is little bit about each family:
- Greg Homrich served in the United States Marine Corps, Army, and National Guard, and is still serving his community as a dispatcher for the Leesburg Police Department. Upon getting to know Greg, you will quickly find out that he is most excited about becoming a member of this unique community, having already built relationships with many of his neighbors.
- Beth Dyhr, is the spouse of her late husband who proudly served in the United States Marine Corps. As Beth’s first home as a single women, she is thrilled to start a new chapter in her life and instill her own passionate, vibrant spirit into the home.
- Kathleen Mabry was a member of the United States Army, and her ability to define strength through adversity left a mark on our staff. She is proud to be a new homeowner, and shared that the opportunity is most special because it offers a safe and secure home for her to raise her 10-year old grandson.
About the Community
The Veterans Housing Initiative led us to develop the Veterans Village in Umatilla, Florida, where veterans and their families enjoy safe, affordable housing built in a small neighborhood that focuses on relationships. Our ability to meet the needs of our local veterans is due to the compassion and generosity of our community and through partners like RoMac. We also teamed up with Combat Veterans to Careers to offer extra services to the residents – things like healthcare, transportation, and help navigating the Veterans Affairs system, to name a few. This ensures that we’re providing not just a house but a community network of support, which for many veterans is crucial for the stability they seek.
As a community-based and community-focused organization, it’s always inspiring to see how much can be done on a local scale. Your consistent support, whether it’s financial or volunteering or both, never ceases to amaze us, and we thank you so much for it! We’re looking ahead eagerly to the next big project and can’t wait to bring you along for it.
Upcoming Home Dedication:
You’re invited to join us in welcoming our newest Habitat Homeowner, Jessica, to her home!
When: Saturday, January 20 from 9AM – 10AM
RSVP: 352-483-0434 Ext. 118; email@example.com
Curtis was one of the first Homeowners we served through our Veterans Housing Initiative. His story is moving, and continually reminds us of the importance of a safe home.
This year marks the 30th year of Bank of America’s long-standing partnership with Habitat for Humanity in our shared goal to connect working families to affordable housing in order to build thriving communities.
Thank you Wells Fargo and The Wells Fargo Housing Foundation, along with local bank employees for rallying around the Veterans Village! On September 9th, local employees will be onsite volunteering at the Veterans Village, working on homes that Wells Fargo and The Wells Fargo Housing Foundation helped fund. We couldn’t do it without you! Thank you for helping our Veterans build strength, stability, and self reliance through shelter.
Wells Fargo support thousands of national and community-based nonprofits annually to help revitalize and strengthen communities. They are among the top corporate cash donors among U.S. companies, donating $281.3 million to 14,900 nonprofits in 2016 to support financial education, community development, affordable housing, education, disaster relief, clean technology, job training, environmental education, and other critical social, economic, and environmental challenges around the world.
Wells Fargo and the Wells Fargo Foundation provide monetary support, expertise, and volunteers to national and local nonprofit organizations and causes that align with our business priorities, values, business expertise, and geographies. They focus philanthropic activities on creating long-term, strategic relationships with nonprofits and other organizations to create innovative, sustainable solutions to meet local needs. Their team members help make an even bigger impact through their passion, time, and expertise.
Noah and Carol Lundy began their journey with Habitat in January 2012. After being engaged in volunteer work and participating in financial classes with Habitat, they purchased a 3-bedroom, 2 bath home in Eustis with a private fenced yard, which was just what they needed since gaining custody in 2011 of their two nieces, Ariel and Tapanga.
They later adopted the girls in March 2013.
“One of the most exciting things about buying the home from Habitat was like putting money in the bank, so to speak, due to the payments being low enough,” Noah says. “We paid more each month, thus increasing the equity, which was exciting itself!”
Over the past few years women of the Villages Decorating Club have supported local Habitat families and our mission of providing affordable housing. Typically the club sponsors homes in The Villages area, but excited at a chance to give back to the Veteran community they donated $4,000 to provide new microwaves for each of the Veterans Village homes. In gratitude of their gift, and to show off the newly installed microwaves, Habitat for Humanity invited the club for a sight-seeing tour of the Veterans Villages neighborhood.
On a very hot and busy day at the Village, two buses filled to the brim with over 90 women arrived to see the community first hand – the first of many tours coming to the Veterans Village this year. After a short introduction by Danielle Stroud, the club members were able to walk through all 6 veterans’ houses and ask questions about the project.
The tours proved to be a fun, educational, and successful event and Habitat is hopeful that the tours to follow will be just as successful. This November Habitat plans to provide free tours to donors and volunteers, as well as the general public to see the grounds and available homes.
Low income housing units have no effect on nearby property values, according to a new study by real estate company Trulia. The finding comes at a time when there are some concerns around affordable housing through Florida.
Some of the most common concerns around affordable housing construction are tied to home values. But this study reaffirms a body of research that undermines those fears. And it works to counteract the so-called NIMBY mindset, meaning ‘not in my backyard’. A proposed tiny house development in Fort Braden was met with similar concerns earlier this year. Florida Housing Coalition President Jaimie Ross says too many picture slums when they hear the word affordable.
“Today’s affordable housing is built by the private sector, using the tax credit program predominantly. It’s beautiful housing, it looks just like market rate housing, meaning housing that’s not affordable. Has all the same outward finishes, beautiful design,” Ross said. Read the rest of this entry »
UMATILLA — Reed and Michele Vonhold stood in the kitchen of their soon-to-be new home in Umatilla on Monday and were already planning family get-togethers.
“Thanksgiving at our house this year now that I have my own, and big enough, kitchen,” Michele Vonhold excitedly announced to her son, father and brothers.
The Vonholds then walked through the rest of the house, talking about the placement of furniture and decorations.
“This is a dream come true,” Reed said.
Over the next few months Rotary Clubs from Lake and Sumter county will pull together to donate over $12,000 towards affordable housing. The Wildwood Rotary club is supporting our new home we are building in Wildwood, Florida for the Jackson family and the Villages Evening, Villages Noon, Leesburg Evening, and Leesburg Noon clubs will be supporting one of the next four homes being built at the Veterans Village in Umatilla, Florida. As sponsors of these homes, Rotarians from all over will join together to roll up their sleeves and support our Habitat homeowners. Below are a few photos from the first work day, with many more to come. THANK YOU ROTARY!!
- In June we will be dedicating the homes for our first set of homeowners and celebrating them! We hope you can join us.
- In late June we will be laying the foundation for the next four homes.
- We will be finalizing the Master Plan and all the floors plans by our last round of building in December.
Interested in coming out for a tour?
Give Danielle a call 352-630-3318
Want to come out and volunteer?
Give Carlos a call 352-483-0434 Ext 119
What is Women Build?
2017 marks Habitat’s 10th Annual National Women Build Week – a time that invites women to help make a difference and devote at least one day to help build decent and affordable housing in their local communities.
On May 9th-13th women from all over Lake and Sumter Counties will come together at our Wildwood New Home Construction Site to join an expected 17,000 women, including Lowe’s Heroes volunteers, across the country as part of Habitat’s 2017 National Women Build Week.
Lowe’s helped launch National Women Build Week in 2008 to empower women to advocate for affordable housing and spotlight the homeownership challenges faced by many. Each year, Lowe’s provides the support of their employee volunteers, Lowe’s Heroes, and conducts how-to clinics at stores to teach volunteers construction skills so they can feel equipped to take part in the builds.
How to get involved…
Habitat for Humanity of Lake-Sumter, Florida is in search of qualified Veteran home owners interested in living in the Veterans Village community in Umatilla, FL.
Habitat of Lake-Sumter is so grateful to have been a recipient of this year’s award through Publix Super Market Charities. The generosity of Publix will fund over 25 preservation and repair projects throughout Lake and Sumter Counties this year.
Over the years, Publix associates have generously volunteered to assist with building homes. Recently, the Publix Serves initiative has helped associates devote time to making a difference, and many have spent Publix Serves Day performing tasks such as painting, carpentry, and landscaping in order to support local affiliates in their communities.
For two young boys and their mother, today’s warmest Christmas gift has been simmering for months.
It started with a chance encounter.
It fostered because of a community that cares, including a club of Villagers who have made compassionate acts a habit and a hometown bank full of employees willing to help anyone, but soon realizing it was someone they knew well.
A Lake County mom and her three children will finally have a home for the holidays.
- 3rd new home in Lake County built by Habitat for Humanity
- Home in Eustis went to mother of three
- Next home dedication will be in Lady Lake
On Thursday, December 15th at 8:00am, Habitat for Humanity of Lake-Sumter will be hosting a ceremony to celebrate the completion the Eisinger Family’s new home in Eustis. The celebration will be an opportunity to view the finished home, meet the Eisinger family, and enjoy light refreshments and good company. Habitat welcomes the public to attend the ceremony – To RSVP or for more details please call Shari Kuck at firstname.lastname@example.org or at 352-483- 0434 Ext 118.
Habitat for Humanity of Lake Sumter has helped families in need of safe and decent housing achieve the American dream since 1989, and now the organization is in the early stages of building Veterans Village and is looking into the future. Constructing a community of micro homes—affordable housing for seniors and millennials—just may be on the horizon.
The familiar adage “birds of a feather flock together” works well when referring to how people with similar experiences find a true bond when they’re together.
For many veterans, including those recently returned stateside, that proverb often helps facilitate a successful re-integration into civilian life and may be a key part of the soldier’s survival. Veterans will tell you there’s something validating and comforting about talking to other men and women who have been there and done that. These peers understand what it was like to face daily threats and understand the lasting impact of witnessing unspeakable acts of cruelty. A fellow veteran will also understand those memories trigger recurring bouts of past-traumatic stress disorder (PTSD).
Amanda Strickler and her two sons are especially looking forward to Christmas this year. Construction on her new Habitat for Humanity home started Thursday morning and everyone hopes she will be celebrating Christmas in her home. The home in the Skyline subdivision of Lady Lake is the seventh Habitat Humanity Lake-Sumter home to be built in that area.
Citizen’s First Bank is the corporate sponsor for this home which includes providing many volunteer hours through its employees. After a brief dedication ceremony, the volunteers got right to work taking advantage of the time before it gets too hot to work.
Tension between Lake County government and Habitat for Humanity of Lake-Sumter has subsided after county officials agreed to use state funds to cover impact fees for nonprofits building affordable housing.
The nonprofit previously announced it would build homes exclusively in Sumter County to dodge more than $10,000 in impact fees on single-family homes in Lake. The fees are used to help defray costs associated with growth such as new schools, roads and parks.
Prohibited by law from outright waiving the fees, officials unanimously approved of a plan this week to set aside State Housing Initiative Program funds to cover the cost of impact-fee waivers for nonprofits building single and multifamily homes.
Kent Adcock, Habitat’s president and chief operating executive, was pleased with the plan and happy to continue building in the county.
TAVARES – Lake County commissioners on Tuesday unanimously approved changes to the county’s affordable housing program that will use state funding to pay impact fees for low-cost housing programs like Habitat for Humanity.
In addition, the board increased its overall affordable housing budget by 5 percent, or $195,907, for homeless rehousing. That money would pay costs to get homeless people into rental housing.
BUSHNELL — Habitat for Humanity of Lake-Sumter recently announced plans to make better use of donor money and better serve those in need of homes.
The Habitat board has plans to move future new home construction to Sumter County, where impact fees are significantly less than Lake County, which is where most of its new construction has been in the past.
And Habitat moved the proposed Veterans Village from Leesburg to the Cottages at Waters Edge, a 14-lot development in Umatilla, where the impact fees already had been paid by the developer.
“Both moves provide a better use of money donated by area residents,” said Danielle Stroud, director of development for Habitat for Humanity of Lake-Sumter.
LEESBURG — High impact fees in the county have made it impossible for Habitat for Humanity of Lake-Sumter to continue building new homes in Lake in the coming years for those in need of affordable housing, officials say.
As a result, the Habitat’s board of directors made a decision to move all of its new construction to Sumter County after it completes the estimated 15 homes it has scheduled to be built in Lake in the next 18 to 24 months.
“It goes back to the fact that the impact fees in Lake County are more than 20 percent of the cost of an affordable house,” said Kent Adcock, Habitat’s president and chief executive officer. “So when you factor 20 percent of the cost of the house, it does not include the cost of the land. You may be talking 30 to 40 percent of the cost of the house is not even in the construction of the house. This calculation disproportionately affects the working poor who desperately need an affordable place to live.”
Adcock said the organization is building homes for two families: one in Sumter County for an individual who has a disabled son to care for, and another in Lake County for a government worker whose family is unable to all live under the same roof because of high rental costs.
After a considerable period of due diligence, Habitat for Humanity of Lake-Sumter has decided to relocate its Veterans Village from Leesburg, FL to Umatilla, FL due to unsustainable project development costs for Workforce Housing for Veterans.
Habitat CEO Kent Adcock reported that a combination of increased development costs, combined with Impact Fees, have forced the affiliate to cut the size of the veteran’s project from 22 houses to 14, and to locate it to a site it has purchased in Umatilla.
Habitat has executed a purchase of The Cottages at Waters Edge, a 14 lot development in Umatilla. The main reason for the relocation is due to the high costs of infrastructure and development. Adcock says the value for the Umatilla site is considerable as it offers ‘ready to build’ lots that have pre-paid impact fees which, when combined with other development costs, amount to a total project savings of over $20,000 per house. In order to be a good steward with donor and sponsor dollars, the affiliate has elected to decrease the Villages size while at the same time reducing the cost per unit. An added benefit will be the ability to have a Veterans Park & Gardens on Lake Enola located in the Village Subdivision.
CEO Adcock praises the City of Leesburg staff and City Commission for their overwhelming support for the project. “We could not have asked for better community partners from the city of Leesburg, but in the final analysis the development costs were simply ‘outside the envelope of affordability’. We regret that Leesburg will not be the site for our project, but we want everyone to know that the Veterans Village Project will go forward on the new site in Umatilla.”
Habitat will kick off construction of the Veterans Village at The Cottages at Waters Edge on November 5th with a special community groundbreaking event at the site on Highway 19. A Bob Hope impersonator, along with the LC Swing Band will re-enact the old Bob Hope USA Show in a free community performance sponsored by Your HomeTown Habitat. Part of the event will include raising the wall on the very first home in the veteran’s village.
Related Articles: Veterans Village Relocating to Umatilla – Daily Commercial
To learn more contact Danielle Stroud at email@example.com.
On Sept. 19, 14 employees from various branches of Wells Fargo Bank throughout the county rolled up their sleeves and started work on a new Habitat home for a family in Fruitland Park. Soon to be homeowners, Lovely and Jethro came out to greet and thank the volunteers as well as work alongside them.
To kick off the work day, Lake-Sumter District Manager of Wells Fargo Bryan Cornell presented a check for $10,000 on behalf of the Wells Fargo Housing Foundation to assist in funding the home.
“We couldn’t be more excited to have Wells Fargo as a sponsor of this home. Without committed volunteers and community partners such as Wells we wouldn’t be able to achieve our mission of providing affordable housing,” said Kent Adcock, CEO of Habitat for Humanity of Lake-Sumter, Florida.