24
1 B B u u i i l l d d i i n n g g H H o o p p e e , , H H o o m m e e s s a a n n d d C C o o m m m m u u n n i i t t y y Printed March 11, 2013
1
BBuuiillddiinngg
HHooppee,, HHoommeess
aanndd CCoommmmuunniittyy
Printed March 11, 2013
2
Rice County
Habitat for Humanity
Mission Statement
Rice County Habitat for
Humanity partners with
families who otherwise
may be unable to achieve
the dream of home
ownership by establishing
partnerships among God’s
people to build simple,
decent, affordable homes.
3
What the poor need is not charity but
capital, not caseworkers but co-workers.
And what the rich need is a wise,
honorable and just way of divesting
themselves of their overabundance.
The History of Habitat Habitat for Humanity International was founded in 1976 by Millard and Linda Fuller. Today, Habitat for Humanity
is a true world leader in addressing the issues of poverty housing.
Koinonia Farm The concept that grew into Habitat for Humanity International was born at Koinonia Farm, a small, interracial,
Christian community outside of Americus, Georgia. Koinonia Farm was founded in 1942 by farmer and biblical
scholar Clarence Jordan. The Fullers first visited Koinonia in 1965. They had recently left a successful business and
an affluent lifestyle in Montgomery, Alabama to begin a new life of Christian service. At Koinonia, Jordan and Fuller developed the concept of "partnership
housing." The concept centered on those in need of adequate shelter working side by side with volunteers to build simple, decent houses.
The Fund for Humanity The houses would be built at no profit and interest would not be charged on the loans. Building costs would be financed by a revolving fund called “The Fund for
Humanity.” The fund's money would come from the new homeowners' house payments, no-interest loans provided by supporters and money earned by fund-
raising activities. The monies in the Fund for Humanity would be used to build more houses.
The Fund for Humanity’s mission statement The Fund for Humanity will meet both of these needs. Money for the fund will come from shared
gifts by those who feel they have more than they need and from non-interest bearing loans from those
who cannot afford to make a gift but who do want to provide working capital for the disinherited . . .
The fund will give away no money. It is not a handout.
Inception of Habitat for Humanity In 1968, Koinonia laid out 42 half-acre house sites with four acres reserved as a community park and
recreational area. Capital was donated from around the country to start the work. Homes were built and sold to families in need at no profit and no interest. The
basic model of Habitat for Humanity was begun.
Expansion into Habitat for Humanity International In September 1976, Millard and Linda called together a group of supporters to discuss the future of their dream. Habitat for Humanity International as an
organization was born at this meeting. The eight years that followed, vividly described in Millard Fuller's book, “Love in the Mortar Joints,” proved that the vision
of a housing ministry was workable. Faith, hard work and direction set HFHI on its successful course.
Phenomenal growth In 1984, former U.S. President Jimmy Carter and his wife Rosalynn took their first Habitat work trip, the Jimmy Carter Work Project, to New York City. Their
personal involvement in Habitat's ministry brought the organization national visibility and sparked interest in Habitat's work across the nation. HFHI experienced
a dramatic increase in the number of new affiliates around the country.
Today, Habitat for Humanity has built more than 400,000 houses, sheltering more than 2 million people worldwide.
4
Is Affordable Housing Really Needed in Rice County?
RENTS HIGH, EARNINGS LIMITED
In order to afford rent and utilities for a safe, modest two-bedroom apartment at the fair market monthly rent of $770, Rice County
workers would need to earn $14.81 per hour, 40 hours per week, all year long. The typical renter in the county, however, earns the
equivalent of $9.37. At the minimum wage of $7.25 per hour, a worker must work 2.0 full time jobs to afford this rent.
Minnesota Housing Partnership
2446 University Avenue West, Suite 140 Saint Paul, MN 55114-1740
www.mhponline.org p: 651-651-1710 f: 651-649-1725
It is considered “affordable” if a household pays no more than 30% of their gross income for housing.
In Rice County, about 2,084 owner and 832 renter households pay at least half of their income for housing—a level considered severely unaffordable.
When housing is unaffordable, families are forced to choose between paying for housing and other needs, such as food or medicine.
Number of Households Impacted3
Household Income RentersRenters Owners
Below $20,000 1,430 1,365
$20,000 - $34,999 528 993
$35,000 - $49,999 276 773
Over $50,000 59 2,142
5
Palmquist Family (5)
754 Sibley Dr, Northfield
2000
Warring Family (9)
404 Bunker Dr., Northfield Blake Family (12)
17206 Lamb Ave., Nerstrand
Avalos Family (11)
17208 Lamb Ave., Nerstrand Thrivent Builds
Huffstutter Family (10)
17210 Lamb Ave., Nerstrand
2006 2006 2005 2004
Patzner Family (7)
601 Bunker Dr., Northfield
Noel (Morales) Family (6)
309 2nd Ave, SW, Faribault
2002 2001
Hardie Family (8)
320 20th St. NW, Faribault
2003
Cavin Family (4)
815 Central Ave., Faribault
Irwin Family (3)
208 Forest Ave. S., Dundas
Berg Family (2)
304 7th Ave NW, Faribault
1999 1997 1995
Kleeberger Family (1)
315 S. Poplar, Northfield
1993
6
Cook Family (13)
17204 Lamb Ave., Nerstrand Thrivent Builds
2007
Olson Family (16)
321 4th Street, Lonsdale Juarez Family (15)
314 Erblang Ave., Faribault Thrivent Builds
Simonson Family (14)
900 W. 2nd St., Northfield
2008 2008
2007
2009 2009 2009
Rosas Family (17)
118 Miller Lane, Dundas
Keilen Family (18)
106 Miller Lane, Dundas Thrivent Builds
Erickson Family (19)
222 Irving Ave., Faribault
2010 2010
2010 2010
Reynolds Family (20)
127 Elm Street, Lonsdale Thrivent Builds
Dolal Family (21)
22nd Street, Faribault
Mazurek Family (22)
Spring Wheat Drive, Dundas
Zoubek Family (23)
15 5th Ave., Faribault
7
This new initiative helps low-income homeowners by offering
exterior home improvements. We are seeking homeowners
who are unable to complete home repairs on their own because of
finances or physical ability. Volunteer teams work to improve the condition of
homes by painting, landscaping and performing minor exterior repairs. If selected,
homeowners are required to work alongside volunteers in a cooperative effort –
called sweat equity. If there are physical limitations, sweat equity alternatives will be
created to complete the requirement.
2011
Curci Family (24)
1209 Superior Drive, Northfield Thrivent Builds
Manderfeld Family (25)
1213 Superior Drive, Northfield
Ali Family (26)
317 23rd St NW, Faribault
Abukaff Family (27)
406 Sidney Street, Morristown
2011 2011 2011
2012
Voegele Family (28)
22865 Dalton Avenue, Faribault Thrivent Builds
2012
Stanton Family (29)
130 Miller Lane, Dundas
2013
Coy Family (30)
1168 Highland Ave. Nfld
Dalaska Family (as of Sept. 2013) (32)
1016 1st Avenue NW, Faribault
2013
Weed Family (31)
214 Spring Wheat Drive, Dundas Thrivent Builds
Zubia Family, Odd Fellows Ln, Nfld ABWK (1)
Of the 32
Of the 32 new homeownership partnerships 29
families are still in their homes! Goes to show
that affordable and consistent house payments
create STABLE families and communities!
8
A Brush With Kindness (ABWK)
What Projects Are Considered? A Brush With Kindness focuses primarily on neighborhood beautification through the exterior painting and landscaping of homes. We
would consider projects that include building an accessibility ramp or other, minor, accommodations for accessibility to the home.
We will also consider “Critical Home Repairs” – this is defined as “extensive interior or exterior work performed to alleviate critical
health, life and safety issues or code violations, including a change to or repair of materials or components; a reconfiguration of space;
a modification for accessibility; installation or extension of plumbing, mechanical or electrical systems on an existing structure.”
Who is eligible? 1. Need for work done
Must be unable to afford necessary home improvements through conventional means and
unable to complete them due to age, disability or circumstance.
2. Ability to pay
The work done through A Brush With Kindness is not free. People selected are expected to
pay for costs associated with the project. This can be a one-time payment or a payback similar
to a mortgage with monthly payments at 0% interest.
3. Willingness to partner
Must be willing to complete sweat equity hours (time working on the project) or contributing
to the work of Habitat for Humanity in some way. The total number of sweat equity hours is
determined by the scope of the project. Additionally, must be willing to have your picture
and personal story shared in our publication materials (which may include newspapers).
4. Scope of the work needed
Habitat for Humanity will select families if the scope of work needed matches our volunteer
efforts and funds available. We are unable to take on projects if the house is far beyond
repair.
Additionally,
Property taxes must be paid current & homeowners insurance must be provided
Must own and occupy a home in Rice County that needs and could benefit from
exterior improvements
Must have at least two years of owning and residing in the home
Through the application process you will be required to openly and fully discuss your
financial situation
All members of the household must be documented residents of the United States.
Before
After
These are pictures
from another affiliate.
9
Continuing the Affordability…
We build with Insulated Concrete Forms (ICF). The benefits of
ICF include:
Energy Savings: This system can save homeowners up to 70% in their heating
costs.
Strength: The concrete construction gives maximum strength that can withstand
hurricane and tornado force winds.
Health: Because of the low air infiltration rate, allergy sufferers will find relief.
This system is 96-98% dust, allergen and pollution free. There is also no environment
for molds and mildew to prosper compared to stick-built construction.
Insurance: Because this type of building is with concrete, it is considered
masonry construction, ultimately resulting in lower insurance costs.
Ease of Installation: Our volunteers love learning about building with ICF!
10
Green and Sustainable Building… Affordability in housing is more than the purchase price; the home must be efficient in the long
term, both in energy and health.
We build to the Enterprise Green Communities Criteria, meeting and exceeding Energy Star
Standards. Our homes are built to the Builders Option Package (BOP) for climate zone six, and
have completed all mandatory site visits and diagnostic testing required by the BOP. As a result
of our efforts in working with BOP, we have achieved a HERS index of 64 which meets the Five
Star Plus category of Energy Star, the highest that the rating system currently tracks.
Our Energy Star features include:
• All appliances and fixtures rated Energy Star and water conservation fixtures
• Wall insulation has a value in excess of r-19 continuous; achieved with the use of Reward Wall
Systems Insulated Concrete Form construction
• Attic insulation at r-50 and • Window u-value at 0.30
• Verified performance of only 1.1 Air Changes per Hour (1.1 ACH), around 75% better than Energy Star requirement of 5 ACH.
In addition to meeting the energy benchmarks required by Energy Star, our homes incorporate health standards such as:
• Active-ready radon resistance system
• Low-allergen flooring
• Low-VOC paints and primers
• Exterior ducted range hoods
• Heat Recovery Ventilators (HRVs)
• Energy Star bath fans
In 2010, RCHFH built a house to the Silver-LEED
(Leadership in Energy and Environmental Design) level.
This was in collaboration with Minnesota HFH, MN
Chapter of the US Green Building Council, University of
Minnesota’s Center for Sustainable Building Research and
Building Knowledge, Inc.
Costs The average extra cost associated with building to Green
Communities is $2,500. It is estimated that building to LEED will
cost an additional $1,600 in materials. In short and on average, to
build to both Green Communities and LEED is a 3% cost increase
over the average cost of a Habitat home in MN. As a result, a
family in a home built to these standards saves $350 - $700 per year
over similar homes.
11
Our standard
house design includes three
bedrooms and one
finished bathroom. The
basement is left
unfinished but prepped
for future bedrooms
and a bathroom.
12
HOW HABITAT WORKS
Families are selected based on
1. Need Families must demonstrate that they currently live in inadequate or
substandard conditions, in overcrowded units, or pay an excessive
percentage of monthly wages for housing.
2. Ability to Repay Habitat houses are sold to families with a 0% interest loan. Families
cannot earn more than 50% of the local median income to qualify for a
Habitat home. For a family of four this is $36,500. They must have a
history of making current payments on time.
3. Willingness to Partner Families must put in 350 hours of sweat equity into their home and be
willing to be spokespeople for the organization.
Additionally,
All household members must be documented citizens/residents
Families must currently live in Rice County and have lived here for at
least one year
Families receive support to help them succeed We don’t just turn over the keys and wish the family luck once the build is
done. We have a system of support that continues to nurture our
relationship with all of our Partner Families.
13
TITHING
Our affiliate tithes 10% of our unrestricted donations to Habitat for
Humanity International. This contribution goes to building houses
worldwide. Habitat for Humanity International
builds in 90 countries around the world!
Since 1991 our affiliate has tithed over $94,000 which has built 25
homes for families worldwide.
That means that at the end of
2012, the efforts of Rice County
Habitat for Humanity have made
it possible for 55 families (29
locally and 26 internationally)
around the world to have simple,
decent and affordable housing.
14
Like numbers??? Rice County Habitat for Humanity Costs
# Year Family Location Adults Children Sold For Land
Cash
Cost In Kind Appraisal
29 2012
Voegele Faribault 2 0 114,800 17,000 85,120 35,012 150,000
28 Stanton Dundas 1 3 118,800 14,200 82,000 37,600 160,000
27
2011
Curci Northfield 1 1 116,800 22,843 65,997 42,233 148,000
26 Manderfeld Northfield 1 3 118,800 22,905 63,309 43,841 155,000
25 Abukaff Morristown 1 3 118,800 0 60,843 57,187 143,000
24 Ali Faribault 1 2 95,000 24,402 41,214 51,704 125,000
23
2010
Zoubek Faribault 1 2 106,000 10,000 51,829 50,269 170,000
22 Mazurek Dundas 1 4 123,800 14,200 75,836 46,183 165,000
21 Dolal Faribault 2 1 114,000 22,000 49,628 50,810 163,000
20 Reynolds Lonsdale 2 3 120,800 12,000 68,134 49,399 152,000
19
2009
Keilen Dundas 2 2 102,000 39,500 65,935 42,922 164,000
18 Rosas Dundas 2 3 102,000 14,200 60,839 42,853 164,000
17 Erickson Faribault 1 3 103,000 20,000 49,727 41,726 160,000
16 2008
Juarez Faribault 1 1 85,000 30,800 47,332 65,079 170,000
15 Olson Lonsdale 2 2 94,000 30,000 40,757 71,029 176,000
14 2007
Cook Nerstrand 1 2 87,500 22,000 45,184 62,431 184,000
13 Simonson Northfield 2 7 103,000 39,192 0 77,569 228,000
12 2006
Avalos Faribault 1 4 82,000 22,000 44,000 52,366 189,000
11 Blake Nerstrand 1 1 82,000 22,000 45,000 52,366 189,000
10 2005 Huffstutter Nerstrand 1 2 77,000 12,000 45,600 53,463 185,000
9 2004 Warring Northfield 1 3 76,000 4,643 46,322 40,084 169,000
8 2003 Hardie Faribault 2 2 76,000 21 45,376 31,779 165,000
7 2002 Patzner Northfield 1 2 76,000 4,643 55,520 29,987 157,000
6 2001 Noel Faribault 1 3 60,000 1,200 57,155 121,000
5 2000 Palmquist Northfield 1 2 60,000 4,549 69,612 144,500
4 1999 Cavin Faribault 1 2 50,000 0 53,596 100,000
3 1997 Irwin Dundas 2 2 36,000 625 30,791 82,000
2 1995 Berg Faribault 1 2 37,500 0 25,481 85,200
1 1993 Kleeberger N 2 2 35,000
TOTAL
39 69 2,571,600 426,923 1,472,137 1,127,892 4,363,700
108
15
How does the financing work?
The costs of building a new Habitat home are put forth by our organization.
This is done through cash (raised from donations and events) and in kind
supplies. The selling price to the Partner Family is based on the out of
pocket expenses, land costs and administration.
Rice County Habitat for Humanity holds the following mortgages:
The first mortgage is the selling price. This is a 0% mortgage. Families
escrow their taxes and insurance. Total payment is typically
$500-$700/month.
The second mortgage is the difference between the appraised value of
the house and our selling price. This is a “deferred mortgage”. The value of
this mortgage will be paid to Habitat when the homeowner transfers the
title (if they sell, if they deed it to their children). This is to prevent
homeowners from acquiring their home and immediately selling it. This 2nd
mortgage protects our organizations efforts of cash, in kind supplies and
sweat equity.
Partner families are prohibited from acquiring any other liens on their property.
THANKS to 1st United Bank in Faribault who services all of our loans
and manages all of the escrow accounts. Their support is priceless!
Rice County Habitat for Humanity BUDGET Family Mortgages 93,472
Individuals 35,000
Businesses 15,000
Churches 15,000
Grants 118,420
Special Events 15,000 Program Expenses 373,400
Mortgage Pledging 125,000 Operating Expenses 32,020
Miscellaneous 3,800 Administrative Expenses 52,768
Total Income 420,692 Total Expenses 458,188
16
HOW A HABITAT HOME
MAKES A DIFFERENCE
When a hardworking family moves into a Habitat home
their lives change for the better in countless ways. Having
a simple, decent and affordable place to live puts the whole
family on a path to success and helps strengthen the
community.
Children’s chance for success improve Children do better in school, earn higher math and reading scores
and achieve a higher educational level
Children of homeowners have fewer truancy and behavioral
problems
Grown children are more likely to own their own homes
Parent’s self-esteem and level of accomplishment
increase Contributing the required 350 hours of sweat equity builds
parents’ pride and confidence
Parents learn sound budgeting principles through classes
Parents often go back to school and/or get better jobs because
their homes are consistent and safe
Habitat homeownership strengthens communities Habitat homes are well kept and attractive, reflecting the pride of
the homeowners
Neighborhood members support the construction efforts and
build relationships with the new homeowners
From a study (Homeownership Alliance of Nonprofit Downpayment
Providers) cited from the New York Habitat for Humanity Affiliate:
Homeowners’ Children vs. Renters’ Children Math Achievement Scores 9 percent higher
Reading Achievement Scores 7 percent higher
High School Graduation Rate 25 percent higher
College Graduation Rate 116 percent higher
Be homeowners in 10 years 59 percent higher
Quality of Home Environment 13 to 23 percent higher
Behavioral Problems 1 to 3 percent lower
Give Birth as Unmarried Teen 40 percent lower
Idle at age 20 and Rely on Welfare 50 percent lower
Homeowners vs. Renters Overall Voter Participation 25 percent higher
Able to identify Congress Member 10 percent higher
Work to Solve Local Problems 6 percent higher
Garden 12 percent higher
Contribute to Church $150 more per year
17
Habitat for Humanity provides a
“hand up” and not a “hand out”.
Homeowners learn
skills they never
dreamed they
could have!!
Helping one family at a time…
Our local food shelves, clothes closets and social service agencies help
HUNDREDS of families every year. Their work is valued in our community.
Habitat for Humanity, is different – we don’t help hundreds of families a year –
we help one family at a time. Why?
Homeownership significantly changes the lives of families for
GENERATIONS! Once families are in a safe, decent, affordable and steady place to
live they can predict their housing costs. They know their monthly payment is not going
to increase and they know they won’t be evicted by a landlord in the future. Having a
controlled house payment allows them to budget for food, utilities, transportation, health
care. Habitat for Humanity helps families over their lifetime with a “hand up” as
opposed to a one time “hand out”.
Habitat for Humanity creates relationships that add to the vitality of
neighborhoods and communities. When people come together there is a spirit and a bond
that is created that lasts for years. Our goal is to help one family at a time by creating
homeownership, but the benefits spread throughout the community that lasts for
generations!
HUNDREDS of VOLUNTEERS add to the richness of the Habitat for Humanity
experience. It takes 2,500 volunteer hours to build one house! We average over
200 volunteers on each build site! THANKS volunteers!
“Because of our Habitat home our health has
improved, my whole attitude has changed. I’m more
cheerful and I have more energy. I get a good nights’
sleep and I have a reason to get things done. Because
of Habitat we have a future. We have hope” ~ Habitat homeowner~
18
YOUR TIME MAKES A DIFFERENCE
Build Teams – Our goal is to develop a Build Team for each build. This team will be responsible for different
aspects of the entire build.
“Go-To” Team – our goal is to create a “Go-To” team in each community. This is a group of people who are
called upon when “something comes up”. This is somewhat last minute group we call when we need to move
something, prepare for something, or clean up after something!
Public Relations Team – We continually strive to share the Habitat story with our community. We rely on
this team to help us spread our story in print, radio, and other media.
Building Committee – Our homes are built with the support of professional labor and volunteers of all skill
levels. We also feed our volunteers and need people to provide food during the builds!
Family Services Committee – These committee members visit applicant families in their current living
situation, thoroughly review their application and financial information and make the difficult decision in
selecting families. Additionally, this group establishes relationships with our Partner Families to provide
continuing education and nurture.
Fund Development Committee – This committee supports the build efforts through strategizing ways to
increase individual, business and church donations.
Finance Committee – This group oversees the monthly financial reports and oversees the budget process.
Church Relations Committee – We rely on the faith community for prayer, volunteers and financial
support. Our goal is to have two delegates in each church to organize build teams and to raise awareness and
funds for Habitat. Habitat staff is available to speak to your organization to share our Habitat story.
Board of Directors – This group of dedicated people meet seven times a year to carry out the mission of Rice
County Habitat for Humanity.
Consider being on a Team, Committee or our Board o Teams meet on an as needed basis.
o Committees require a regular time commitment to meetings and activities.
o Board members take on larger responsibilities for accomplishing the mission of Habitat.
19
YOUR DONATION MAKES A DIFFERENCE
Priceless Contributions that happen year round: Gary Voegele, P.A., Faribault
R & L Woodcraft, Lonsdale
Frandsen Bank, Lonsdale
1st United Bank, Faribault
Does your business have a profession or product that Habitat could use? Think about
“donating” the time of one of your employees to Habitat. We could use people with
accounting, building, legal, public relations, marketing skills, etc. OR, does your
business have (or have access to) a product that we could use. This could be products
for building or beverages, office supplies, computers and a/v equipment, etc.
We rely on the support from local businesses, churches and individuals.
Please consider:
Giving a monthly gift on-line through GiveMN.org
Give a gift in honor of a birthday, anniversary or other special occasion
Do a fundraiser at your business, have a rummage sale and give the proceeds to
Habitat, designate a day at your business as a “Habitat Day” and give a percentage
of the proceeds to Habitat.
20
LEAVING A
LEGACY
Through partnerships
with hundreds of
dedicated donors and
volunteers, Rice County
Habitat for Humanity
has made great strides
in responding to the
affordable housing crisis
in our community.
Unfortunately, many
more families need to be
served. Each year more
committed donors join
our Legacy Club by
designating a gift to Rice
County Habitat through
their estate plans.
Won’t you share their
vision and consider
making plans to build
homes beyond your
lifetime?
To the volunteers may God bless you all. For without you our
dream of owning a home would not be possible. Thanks for
making this family’s dream come true.
~ Rosas Family, 2009
21
Thanks to a partnership with Thrivent
Financial for Lutherans and Habitat for
Humanity we have increased the
number of families served. Since 2006
Thrivent Builds has contributed over
$420,000 to Rice County Habitat!
22
Rice County Habitat is proud to have over one hundred in kind suppliers. The support from these businesses is crucial in
increasing the number of homes we can build. In Kind suppliers provide professional labor and supplies needed for our builds.
THANK YOU In Kind Suppliers!
23
What does a full partnership with Habitat for Humanity look like?
From our side: Support your business – Whenever we can we’d like to support your business through recognition in various ways.
Recognition – At the end of our build season we put an ad in the Faribault and Northfield Newspapers (that reaches over 14,000
people) that recognizes all the businesses that have supported us.
Meaningful Experience – We do all that we can to provide you, and your group, a meaningful and positive experience with our
organization. The work of Habitat is a joy and a pleasure and we invite you to be a part of it.
From your side:
Volunteer Support – We encourage individuals of all
skill levels to be on the site (must be over 18). Sign up with a
group or individually. Think about bringing a group of co-
workers for a team building day on the site.
Financial Support – We rely on local support to
continue our mission of building simple, decent and
affordable housing in Rice County. Financial gifts are much
needed and appreciated!
Advocacy - Speak up about affordable housing in the organizations you are involved in. Invite Habitat to speak at your church,
business or organization
Board and Committee Participation – Become a part of our organization by joining a committee or our board.
24
Life to the full means…
Having a safe place to live. A place where your children can play in the yard. A space they’re proud to invite their
friends. Not worrying about rising rent prices or where you’re going to live next month. Life to the full
means… being part of a community where people work together – partner families and volunteers – to provide simple,
decent and affordable housing.
Building Hope, Homes and Community
204 7th Street West, PMB 128
Northfield, MN 55057
www.habitatricecounty.org
Office: 507-744-2933
Executive Director
Dayna Norvold
Program Manager
Deb Zellner
Administrative Assistant
Sandi Neil
Construction Coordinator
Mike Terry
WON’T YOU HELP BUILD AFFORDABLE HOUSING IN OUR COMMUNITY?
I have come so that you may have life… life to the full. John 10:10
