Michael T. Berger, MBA
Quarterly Charity Spotlight #3 - Habitat For Humanity Of San Antonio
This is the third of our quarterly charity outreach program here at Inside410 whereby we select a local charity or group that serves a much-needed target area of the San Antonio community and we spotlight them for that quarter...We feel giving back to the community that gives so much is both a blessing and a responsibility we cheerfully engage...
The website can be reached at Habitat For Humanity Of San Antonio and they are a 501c3 organization and your donations can be made here.
Let's take some time and learn about this fantastic organization and what they do from their website:
Habitat for Humanity of San Antonio is an ecumenical Christian non-profit housing organization working in partnership with God’s people in need to build modest, decent and affordable houses without interest or profit, thereby witnessing God’s love in action. Seeking to put God’s love into action, Habitat for Humanity of San Antonio brings people together to build homes, communities and hope.
What We Do
We Build for Better! Habitat for Humanity of San Antonio works with low-income families who would not otherwise be able to afford a home. We partner with hardworking families in need and help them build affordable homes for themselves and their families at no interest and no profit. We are not a charity or a “handout” program, but rather we help families help themselves.
Understanding that the Need is Great
There is a severe housing crisis in San Antonio! Did you know more than 153,672 families have an unmet housing need? Or that 6,893 families in San Antonio are living in physically deficient conditions and 15,269 housing units in San Antonio are overcrowded? Habitat is a great solution for families who work hard but need a little bit of a hand up and not a handout.
How Our Program Works
Families who qualify for the Habitat program are hardworking families who want nothing more than to improve their lives and the life of their families. They work side by side with volunteers and Habitat supporters to build decent homes for themselves and their neighbors, in hopes of creating thriving and stable communities in which to live. Habitat is committed to empowering each Habitat homeowner through an emphasis on sweat equity, a strong homeownership readiness curriculum, then by selling the family the home with a zero percent interest mortgage.
About our Homeowners
We work with families whose total income is between 25% – 80% of the area’s median income. Families are accepted to the Habitat program based on their need, ability to pay a zero percent interest mortgage, and their willingness to partner. Applicants must be residents of Bexar County. Once accepted, homeowners are eligible to buy a home from Habitat with a 20 – 25 year zero percent interest mortgage. Families spend a minimum of 300 hours investing in “sweat equity”. Where they support and help build their own home and the homes of their neighbors. Monthly payments average $750 (including taxes and insurance).
What is Sweat Equity?
Sweat equity is work done by the family toward the building of their home as well as the homes of their neighbors. We find that homeowners develop a strong sense of pride upon the completion of their hours as they reflect upon the time, effort, and indeed sweat that they sacrificed for their home. They also begin to develop relationships with the people who will eventually become their neighbors. Lastly, as homeowners work towards their 300 sweat equity, they learn useful home maintenance and repair skills. Along with working on the construction site, homeowners can also earn sweat equity hours by working in the Habitat administrative offices, the Habitat Home Center, and the construction warehouse. They can even bring lunches to the site for the volunteers as a way of earning hours. Many families go above and beyond the required 300 hours, and will even come out and work at the construction site months or years after they have moved into their homes.
How We Are Funded
Our funding comes through partnerships with individuals, corporations, foundations, faith organizations, and civic groups. It costs approximately $115,000 to build a Habitat house, including materials, tools, and supplies (not including land or infrastructure). Habitat relies mostly on private sources of funding to build our affordable houses. Habitat will accept government funding for land acquisition, infrastructure, and site preparation expenses. Since the success of our Home Centers funds our administrative expenses, 100% of every donated dollar goes directly into our building program.
The Benefits Of Homeownership 2021 (PDF)
Frequently Asked Questions 2022 (PDF)
Affordable Housing Need 2022 (PDF)
The need for affordable housing in San Antonio is great so let's give back to the community and support this great cause. Gina and I also want to extend a heartfelt "Thank You" to innumerable members of the staff along with those of the community who donate through either financial means or volunteer hours to this impressive organization!
If you are looking for new diggs for yourself, give Gina a call at 210.744.8265 and we will be honored to help!