A Milestonefor

Habitat for Humanityin 2005

1993 – A

beginning!

House #1

House #2

House #3

House #4

House #5

House #6

House #7

House #8

House #9Groundbreaking during a May rainstorm!

Construction began at the end of June

And continued on following Saturdays

House #9

Habitat Builds Friendships

Habitat for Humanity Int’l. Around The World

Hub Area Habitat for Humanity

What Is HFHI

International and Local History

How It Works

Our Partners

What Is Needed

What Is Habitat for Humanity International

• Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action.

• Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need.

HFH International History

• Founded in 1976 by Millard and Linda Fuller in Americus, Georgia.

• Concept was born at Koinonia Farm with homes built starting in 1968.

• Jimmy Carter became involved in 1984 with the Jimmy Carter Work Project.

HFH International History

• Today more than 200,000 houses have been built, sheltering more than 1,000,000 people in more than 3,000 communities worldwide.

• 2,100 active affiliates in 100 countries, including all 50 states of the United States, the District of Columbia, Guam and Puerto Rico.

Hub Area History• Incorporated in 1993

• Ninth house completed in early 2006– One house is located on N. Penn– All others are located on or near Ward Drive

• Dr. Dick Ward was the first executive director followed by Peter Kirkpatrick, Judy Vrchota, Scott Layman, and Maureen Nikolas.

How It Works

• Hub Area HFH builds modest-sized houses with a low monthly payment on a no-profit, no interest loan.

• Family selection is application-based and uses need, ability to repay, and a willingness to partner with Habitat.

How It Works (cont’d.)

• Income within the following guide:

Family Size

Gross Annual Income

One $19,150

Two $21,900

Three $24,000

Four $27,350

Five $29,550

Six $31,750

Seven $30,800

Eight $32,800

How It Works (cont’d.)

• Demonstrate the ability to meet financial responsibilities.– Mortgage– Taxes– Insurance– Maintenance– Utilities– Employment– Existing debt

How It Works (cont’d.)

• Partner with Hub Area Habitat for Humanity.

– 300 hours of ‘sweat equity’

Results for the Home Owner

HAHFH Program

Conventional Loan at 7%

$184 Mortgage Payment $565

135 Estimated Property Taxes 135

35 Estimated Insurance 35

$354 Monthly Total $735

TYPICAL HOUSE PAYMENTS: $55,000 HAHFH house appraised at $80,000; Home Owner Loan program after a $700 Down Payment.

Monthly savings of $381!

Ward Drive Development

In the beginning, HAHFH had difficulty finding suitable lots for home building. Consequently HAHFH decided to purchase and develop land for Habitat homes.

After the North Penn home, HAHFH secured financing, purchased, and developed 15 lots on Ward Drive. Cost was $140,000.

Eight lots have Habitat homes, and two, Governor’s Houses.

In summary, Habitat for Humanity is a non-profit housing ministry based on Christian principles.

It welcomes those of any faith – or no faith – to join in the work of eliminating poverty housing from the face of the earth.

A Key and

A Partnership

Our Local Partners

Campbell’s Town & Country Johnston Agency

UBC Brewer Construction

Haar Plumbing Thrivent Financial

Dale Jensen’s Plumbing & Heating

Dahme Construction

Wells Fargo Financial Lien’s Construction

K-Mart Ken’s Super Fair Foods

Our Local Partners

Pizza Ranch McDonald’s

Culver’s Salvation Army

Wendy’s Papa John’s

Cor-Trust Bank 1st State Bank

Brick Propane Carl & Cheryl Perry Progressive Financial

Finishing Touch Design Studio

Evergreen Supply

Our Local Partners

Ernest Hassinger Eide Bailly

Horton Inc. Glen & Mary Jensen

American Legion Auxiliary Conde

Cendant Corp.

Aberdeen Chrysler Center Aberdeen Home Builders Association

Some National Partners

What Is Needed

Many people in the area are saying what

the people in this video are saying!

Mary’s House