In writing for our community paper (weekly), I mostly cover community and military subjects (hardly a surprise). Therefore, I know a lot of the non-profits and like as today, there are stories which I then sometimes also post about in the blog.
I think most people are familiar with Habitat for Humanity and the article I’ll be working on this weekend has to do with a “Blitz Build”. (Before I proceed, we have been supporters of this organization for many years. It meets all the criteria we look for in a large non-profit.) From a logistics perspective, these builds are impressive. From a human interest story, they’re even harder to beat. Hubby participated in one several years ago, when I was on one of the extended business trips I used to take. He had a great time, learned how to cut and hang drywall, and yes, still has the tee shirt. Anyway, Blitz Builds are usually two weeks in duration and ten houses are built during that time. If you’ve ever seen the movie “Witness” and the scene with the old-fashioned barn raising, it’s the same concept on a larger scale. Volunteers, Habitat for Humanity staff, and the homeowners spend the two weeks starting from bare ground. Licensed professionals are brought in for certain tasks of course, but everything that can be done by semi-skilled, unskilled individuals is completed by volunteers and the potential new owners.
The program is an excellent example of a hand-up, not hand-out. In order to qualify for a house, the homeowner/homeowners must be able to qualify for the mortgage, but there is no monetary down payment nor interest on the mortgage. The homeowner must however work for 250 hours on a combination of their house as well as others. This accomplishes three primary goals of 1) giving a true sense of ownership, 2) “paying” the down payment in sweat equity, 3) having/acquiring a far great sense of what it will take to maintain the house once it’s finished. People not familiar with how the program works often believe the houses are given away, but that is not the case. However, because of the criteria for eligibility and the process they use, default on mortgages of Habitat houses runs about 2% which is far below the national average.
The particular piece of property this build is on actually has had other builds and the ten houses to be turned over to new owners tomorrow completes the total build-out of 65 houses. That means 65 families who might never have been able to afford down-payments/mortgages will be homeowners.
You can go onto https://www.habitat.org to see great photos of these builds and read the individuals’ stories.