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| Dear Friends, |
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The chaos of the current housing market has probably not escaped you. The headlines reporting a deepening sub-prime mortgage crisis and skyrocketing foreclosures (more than six fold in California in 2007!) are simply unavoidable. The California Association of Realtors reports that the "housing market is unlikely to see significant recovery in 2008" and that a "further six percent decline in sales is expected."
Scott Woodman reviews building plans with Executive Director Mary Boughton
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So what does this mean for Peninsula Habitat?
Of course, we are monitoring the situation closely. While the weakening economy is worrisome and could present us with new challenges over the coming year, thankfully foreclosures are a virtual non-event at Peninsula Habitat and we remain well positioned as a leading provider of affordable housing in San Mateo County.
Peninsula Habitat's business model - the same Habitat model that has proved enormously effective worldwide for more than thirty years - goes a long way to ensure our success in building local homes for very low-income families. More importantly, it helps ensure their success as competent and reliable homeowners as well. By offering homes to qualifying families at a zero down and zero interest mortgage, combined with mandatory homeowner trainings and 500 hours of "sweat equity" work, our homeownership program has enjoyed a 99 percent success rate and demonstrates that responsible lending can work at all income levels.
In addition, Peninsula Habitat is nimble enough to meet changing city redevelopment needs and market dynamics. Transit-oriented density, for example, is currently one of the hottest trends in housing as an alternative to the horrendous commutes that some people endure for affordable housing in distant outlying areas.
I guess it's no coincidence that gas prices are also at an all-time high. Our prices here in the San Francisco Bay Area are higher than anywhere else in the continental United States - $3.72 on average vs. $3.27 nationally. Experts say there is a link between the price of gas and how far people are willing to drive for more affordable housing. "American sprawl was built on the twin pillars of low gas prices and a relentless demand for housing that, combined with the effects of restrictive zoning in existing suburbs, pushed new development outward toward cheap rural land," according to Eduardo Penalver, Associate Professor at Cornell Law School.
At the same time, we live in one of the most beautiful and pristine areas of the world, where the preservation of our open spaces - including coastal vistas, wetlands, marine sanctuaries, hills, forests, wildlife and much more - is of huge concern locally.
So it seems that these trends, and probably others as well, have converged to create a 'perfect storm' of events influencing how city planners think about redevelopment and especially how to build for the future.
"Accommodating a growing population in the era of high gas prices will mean increasing density and mixing land uses to enhance walkability and public transit," says Penalver, who foresees the "death" of sprawl.
Redwood City, for example, promotes high-density building in the downtown and transit hub areas of the city. Although the word "high-density" may conjure up images of ugly slum projects and high-rise rentals, the city looks to other examples (SoHo, Back Bay, Georgetown) where high-density building has worked for inspiration. Design elements such as aesthetics, functionality, convenience to shops, restaurants, offices, jobs, services, etc., and how pedestrian friendly the neighborhood is all factor in. "We are running out of open land to develop, and expanding into the San Joaquin Valley and other outlying areas often causes more problems than it solves. We simply must build more housing in existing urban areas," notes the Redwood City website.
Peninsula Habitat is also committed to transit-oriented higher-density building. We view this as an efficient way to combat sprawl and support the efforts of local cities to implement smart growth strategies along the transit corridor, including the Grand Boulevard initiative (www.elcaminoreborn.com). We think this makes good sense for city planning and for our Peninsula Habitat homeowners as well. While detached single-family homes have some advantages and desirability, the fact is that most Habitat homeowners are better served by higher-density building. If we can keep costs down and provide families with a high-quality home in a location that would not otherwise be available to them, then it's an effective solution for everyone involved, including the environment.
So, as 2008 gets into full swing and with an eye on our current construction pipeline, we feel very optimistic about the future. Peninsula Habitat dedicated four new homes in South San Francisco in February and our Redwood City project (a density project consisting of eight townhomes) is now underway.
And, thanks to your continued support, discussions are also in progress on additional long-term construction projects that will carry us well into the next decade.
Scott Woodman
Director of Real Estate Development
Sources:
www.gasbuddy.com
The California Association of Realtors
www.car.org
Redwood City, Design vs Density
For more information about Peninsula Habitat’s real estate development program, contact Scott Woodman. Phone: (650) 568-7352.
Email: swoodman@peninsulahabitat.org.
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Peninsula Habitat Holds Dedication in South San Francisco |
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Peninsula Habitat's Commercial Avenue construction project in South San Francisco came to a close with the dedication of four new homes there on Friday, February 29th.
South San Francisco Mayor Pedro Gonzalez and County Supervisor Rich Gordon were among local officials who attended the event.
Troop 3100 held food and cleaning supply drives to stock the new homes; with Mayor Gonzalez
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Board Chairman Leif Langensand expressed special thanks to the city of South San Francisco for its generous land donation and especially for the city council's strong leader-ship and support for the project.
Speaking on behalf of Assemblymember Gene Mullin, Senior Field Representative Mark Nagales also thanked Peninsula Habitat. "Your organization highlights the impact affordable housing can have on the health and well-being of families. Too many times, the high cost of housing puts a significant and unfair burden on families to make a decision to either pay for rent or pay for medical costs. Your compassion with these families will give hope to others that some day they will also attain the same dream."
Coldwell Banker’s Sheran Honneyman congratulates the Burtons
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Representatives from Amgen, the W.F. & Marie Batton Foundation, Coldwell Banker and Hathaway Dinwiddie presented house keys to our four new homeowner families - the Arias, Ball-Weaver, Burton and Celio families.
The Arias family receives the key to their new home from Hathaway Dinwiddie’s Katia Escobar
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"We thank Peninsula Habitat for Humanity for helping change our future," said Edith Arias. "By giving us the opportunity of a lifetime, we can buy a house in our own community. Our gratitude goes to every single volunteer who helped build our home."
Mary Boughton, Executive Director of Peninsula Habitat, thanked everyone who helped make the Commercial Avenue project possible.
"Each of these homes is the culmination of a great effort by so many people: our wonderful volunteers -- many from faith communities and corporations -- the local cities, donors, our staff, the AmeriCorps, board of directors, and of course the amazing families you see here today."
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Donate Online Now!
Donate Your Cars for Homes
VISIT US ONLINE TODAY
www.peninsula habitat.org
New!!
Check out Peninsula Habitat’s new Facebook Page at
www.facebook.com/ peninsulahabitat
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Biotech Campaign Enhances Peninsula Habitat's Corporate Signature Program |
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The Genentech team
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At Peninsula Habitat, the fullest level of corporate giving is not just in volunteering time, but also financial support as well. For biotechnology companies working with Peninsula Habitat, being a member of the Corporate Signature Program means investing time, money and expertise into projects that they care about.
Yet even the greatest gifts begin somewhere, and for companies like Abbott, Amgen, Genentech, and Theravance, they begin at the most fundamental level - with individual employees.
"I arrived at Amgen in July of 2006 and the staff bombarded me with 'We want to do something, we want to be involved in the community. Can you find us something that we can do as a team and get out and do some good?'" said Sandra Irwin, Senior Manager of Corporate Communications for Amgen, located in South San Francisco.
That same year, Amgen Foundation gave a large grant to Peninsula Habitat and Irwin eventually set up three staff days for Amgen employees to volunteer. She says that employees still stop her in the hallway to ask when the next Habitat work day will be.
The Corporate Signature Program was first inspired by Peninsula Habitat's "Buildable Hours" campaign, designed to engage companies in the legal field. Soon, the Corporate Signature Program had been expanded to encompass the real estate, biotechnology and financial services industries as well.
Peninsula Habitat provides Corporate Signature Partners a year-round opportunity to team-build and to become involved with the community. In return, Peninsula Habitat's corporate partners provide the financial backing that Peninsula Habitat can rely on year after year.
Genentech Employee
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"When volunteers come out from these large companies, wearing their corporate t-shirts and banging hammers, it demonstrates to the community that companies aren't just about a bottom line," said Sabrina Pourmand, Corporate Development Officer at Peninsula Habitat. "Biotechnology companies often invest heavily in research, but it's a wonderful choice to include social services in their giving as well."
In 2007 alone, Peninsula Habitat was able to raise more than $75,000 through the biotechnology campaign. And biotech companies regularly bring groups of 10-35 people, multiple times in the year, contributing thousands of hours.
"Our program allows companies to come back to us," says Pourmand. "Some will come two or three times in a year to work on the same project, with the same group of people over and over again, working alongside future Peninsula Habitat homeowners who are the benefactors of their community service."
Amgen, which specifically funded the Commercial Avenue project in South San Francisco, has had roughly 75-80 employees volunteer and values Peninsula Habitat's work.
"In the business of making a drug, it can be 15 years between the time when someone thinks of the drug and goes through clinical trials and gets approved by the FDA. It can be a very long time before you see the results," says Amgen's Irwin. "With Peninsula Habitat, you see the results right away."
For many biotech companies, there's also a passion for Peninsula Habitat's cause.
"Peninsula Habitat for Humanity was one of the groups selected by employees who were interested in helping local residents, and who liked the ability to focus on housing in the Bay Area," said Colleen Wilson, Director of Community and Patient Programs at Genentech.
Most biotech companies also find that their employees are deeply invested in volunteering and that the search for a drug to cure grievous illness is not unlike the efforts being made to find tangible solutions to the housing crisis affecting Bay Area families.
Through their growing partnerships, and the work of an ever-increasing group of dedicated, passionate biotechnology employees, the dreams of more and more Peninsula Habitat families come true every year.
For more information about the Corporate Signature Program, contact Sabrina Pourmand, Corporate Development Officer at Peninsula Habitat for Humanity. Phone: (650) 568-7337.
Email: spourmand@ peninsulahabitat.org
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Volunteers!
To commemorate National Volunteer Week,
please come to our volunteer appreciation reception.
Date: Tuesday, April 29th
Time: 5:30-7:30 p.m.
Location: Peninsula Habitat, 690 Broadway St, Redwood City
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Home: A Place to Hang Family Photographs |
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Stacy Ball-Weaver at the South San Francisco construction site
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Stacy Ball-Weaver grew up traveling between Fort Lauderdale, FL and Daly City, CA as a child. To this day, all it takes is a glimpse of Sign Hill and of the "SOUTH SAN FRANCISCO THE INDUSTRIAL CITY" letters to tell her that she's home. Yet "home" in San Mateo County had always meant moving to smaller and smaller apartments to avoid rising rent costs and working while a babysitter watched her granddaughter, nine month old Xiana, who she has guardianship of. Despite these things, Ball-Weaver continued to believe that "home" was the community where her children's friends lived, where she could visit her favorite parks, and where her life had settled.
But now, "home" also means moving for the last time. It means coming to a place where she can finally unpack all those boxed up photographs of her children and grandchildren; where she can punch nails in the walls till her arm gets tired of hanging, and where she can come in the door after work, look at all the pictures and certificates of her family, and know that she never has to take them down again.
Ball-Weaver is the owner of a new Peninsula Habitat home in South San Francisco, which was completed at the end of February.
The act of building a home is never easy, and for Peninsula Habitat homeowners it becomes especially meaningful through 500 hours of sweat equity required to qualify for a Peninsula Habitat home. Ball-Weaver says it was difficult beyond her imagination, "but what Peninsula Habitat is asking is a blessing: that you get to be a part of your home's construction in a way that most people never will be."
The Ball-Weaver Family
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Ball-Weaver's children - Kaylah, 17, Benjamin, 16, Korlen, 11 - will always share Ball-Weaver's success, and she teaches them that "everything is within your reach as long as you are willing to work hard for it."
"My children participated in a lot of the building," said Ball-Weaver affectionately. She recounts stories of her daughter teaching other volunteers how to perform a task, her son taking something heavy from another volunteer and asking "where do you want me to put this?"
"People on the job site asked me 'How do you get these teenagers out here every week?' when really it would be my kids asking me on Friday 'Are we working tomorrow?'" said Ball-Weaver. "They never wavered or questioned, and now they gained a sense of their own pride about the house."
Although Ball-Weaver has finished her 500 hours of sweat equity, she can't stay away from the site and still spends some Saturdays volunteering with Peninsula Habitat.
Ten years ago, Ball-Weaver thought she would never be able to own a home in San Mateo County. Five years ago, she heard about Peninsula Habitat. For three and a half years after that, she checked the website twice a week before work to see when they might be building in South San Francisco.
Now, all these years later, after a long wait and many challenges along the way, Ball-Weaver can enjoy many years ahead in her new home with her family … and her pictures on the wall. To view stories about other South San Francisco homeowner families,
click here.
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Peninsula Habitat Employees Become Volunteers For A Week In LA |
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In late October of 2007, half a million Southern California residents fled ahead of fires bolstered and borne by the Santa Anta winds. Throughout the region families tense from the unpredictable disaster listened closely to news updates, with many undertaking preparations to evacuate.
In Los Angeles, a mere forty miles from the site of the Malibu fires, hope and reassurance arrived in the form of President Jimmy Carter. The Jimmy and Rosalynn Carter Work Project (JCWP) is an annual Habitat for Humanity event drawing hardworking volunteers, including Peninsula Habitat staffers Jamin Sartor and Vicky Robledo.
The positive contrast of 2007's JCWP with the local psychological climate was not lost on the two women. "It was such a great time for us to be doing what we were doing-in such a devastating moment when people were losing their homes," said Sartor, development and volunteer associate at Peninsula Habitat.
Over the five days of the Project, President Carter greeted an enthusiastic crowd of staff and volunteers estimated by Habitat to top 4,000. One of the great modern cases of leadership by example, President Carter was described by Sartor and Robledo as "just another volunteer" when it was time to go to work.
The number of homes tackled by the JCWP varies from year to year, depending on material costs and other factors. This year's build focused on 30 "slab builds," or homes built essentially from the ground up, and 70 "rehab" homes. This twist on Habitat's usual mission is part of a new pilot program called Brush With Kindness. While Habitat's typical focus is supporting individual families struggling to become homeowners, Brush With Kindness puts the emphasis on raising a community's self-image through improving the quality and appearance of its existing homes.
Robledo and Sartor came away from 2007's JCWP energized and mulling fresh ideas for Peninsula Habitat. "It was really inspiring to see the corporate support," said Robledo. "CitiBank had 30 volunteers who took the entire week off to work at the JCWP. It's a wonderful way to attract sponsors."
"Participating in JCWP really opened my eyes to the power and motivation that comes along with a blitz build," said Sartor. "As a volunteer coordinator, it was really inspirational for me to see the impact that a well-managed and executed volunteer event can have on the community. Not only does it give volunteers a strong sense of the value of their time and energy, but it truly is a remarkable thing to watch so many people working together for a common cause."
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Help Us Keep House Prices Low For Our Families!
Donate Materials and Services Today!
Contact Vicky Robledo
650-568-7350
vicky@peninsula habitat.org
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The Land of Opportunity, After All |
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The Abdel-Malek Family
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When Nabil Abdel-Malek left Egypt four years ago to take a job with his cousin's online library service in the Bay Area, he thought he'd hit the goldmine. When he arrived in Redwood City, he could not believe his good fortune - at least initially.
"When I first got here, I could not believe my luck. I loved this city. I loved the schools, the people, the climate. It was, for me, a dream come true," Abdel-Malek recalls.
But despite securing work for both he and his wife, Abdel-Malek's enthusiasm faded when he could not find his family a home. "I used all my spare time and concentration to look for reasonable accommodation. But, it just was not possible with our income," says Abdel-Malek, who is a permanent resident with a "green card."
So for the past four years, Abdel-Malek and his family have been renting various crowded living accommodations. For the first eight months, he, his wife, son and daughter crammed into a tiny studio, where they all ate, slept and lived in the same room. Abdel-Malek took on additional jobs, working yard duty for the Redwood City School District and doing janitorial work for Kaiser-Permanente until he could afford to move his family from their studio to a tiny one-bedroom apartment-- where his two kids slept in the living room and their monthly rent still exceeded half their income.
Three years after leaving Egypt, with three jobs under his belt and still no home, Abdel-Malek's family began to question whether the United States was the land of opportunity, after all.
"It was so hard to find a house. We have a son and daughter. They're getting older. They need more privacy. It was very difficult on all of us. But I love this country and I wanted to do everything I could to stay," says Abdel-Malek.
Then, six months after moving into their one-bedroom apartment, a co-worker told Abdel-Malek about Peninsula Habitat for Humanity. At first, Abdel-Malek says Habitat "sounded too good to be true." But with his friend's encouragement, the Abdel-Maleks attended their first Habitat meeting, where they learned about Habitat's application process and resolved to apply.
"We were just praying to get approval. Every day, my daughter would ask me 'When can we move?'" The answer arrived two months later, when Abdel-Malek was notified that his family had qualified for a new home through Peninsula Habitat.
"My wife cried and danced when she heard the news. And I could finally tell my daughter, 'Soon! Soon, we will move!'" Abdel-Malek recalls.
With construction about to start on the Redwood City project, the Abdel-Maleks are eager to get started on their "sweat equity" work and homeowner workshops, where they will learn about conflict resolution, Homeowner Associations, basic budgeting and financial planning, among other trainings that prospective Peninsula Habitat homeowners receive. The Abdel-Maleks are also anxious to meet other Habitat families who could be their future neighbors on Lincoln Avenue. Although the time commitment may prove challenging for his busy schedule, Abdel-Malek expects the process to be fun overall and insists, "it's a small price to pay."
"This. This is the real dream come true," he says. "And Habitat did it."
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Affordable Housing Candidates Aren't Who You Think They Are |
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"When we talk about who can afford to live here in 10 to 15 years, we're talking about our own children," says Bill Chiang, legislative aide to San Mateo County Supervisor Adrienne Tissier.
The latest San Mateo County housing needs study projects that 73,000 new housing units will be needed by 2025 to accommodate job growth and population increases in the county. But that population growth will not necessarily be attributable to an influx of immigrants, or even new arrivals from around the state or country. If past trends are any indication, that growth will be our own.
"You hear people refer to 'those people moving into our neighborhoods' but the fact is that population growth has been entirely due to births," says Chiang.
Chiang's claim may come as a shock to many, but according to the California Department of Finance, for the last 10 years 100 percent of San Mateo County's population growth has been internal.
Overall, the county's population has grown 5.6 percent since 1997, adding 39,000 residents in the last decade. During that time span, population growth due to births, adjusting for deaths, was 48,460.
But for the same time period, net migration- the total of new immigrants minus those who have left the county- was a negative 9,575, which means population growth is coming from residents' offspring alone.
If current population growth and affordability trends persist, there is a high likelihood that residents' children (and grandchildren) will not be able to stay in San Mateo County.
The National Low Income Housing Coalition found that in 2006, San Mateo County vied with San Francisco and Marin as the least affordable counties in the United States, based on the hourly wage needed to rent a two bedroom apartment.
According to U.S. Department of Housing and Urban Development (HUD) estimates, the median family income for San Mateo County in 2006 was $95,000 for a family of four. For the same year, the median price of a single-family home was $869,000, up from $854,858 in 2005.
In the past, the county has failed to adequately address housing needs. From 1999 to 2006, not one of the county's 21 jurisdictions produced the overall quantity of housing required to keep pace with its population and employment growth. And not one met the needs of its moderate and low income affordable housing candidates.
"We've seen the quality of life in our communities erode as teachers, firefighters, police officers, and even our own adult children move away," says John Conover, chairman of the fundraising campaign for the county's Housing Endowment and Regional Trust (HEART).
According to Chiang, the real tragedy is the disparity between what the county spends on public education for its children versus what it spends to keep them here:
"The county spends a tremendous amount of time and expense ensuring its children receive a high quality of public education. That way, when they are ready to enter the workforce they can come back and contribute to the community, but now they simply can't afford to. We invest all these resources in their education and yet, they can't afford to live here."
"Affordable housing candidates are the next generation. We need to build housing for them. There's no way around it," adds Chiang.
But without a wholesale change in community support for housing production, the outlook for future generations does not look promising.
In looking at how San Mateo County can possibly meet its 73,000 housing unit target by 2025, the latest Housing Needs Study employed two estimates of housing production through the year 2025- one higher, one lower- both of which fell short of the housing need.
The first scenario is based on the Association of Bay Area Governments' (ABAG's) estimate that San Mateo County will follow regional trends towards building more infill housing near public transportation.
The second scenario is based on the past housing production rates in the County. In both cases, the study projected a large deficit of unmet housing need and insufficient housing options.
Clearly, there is much work to be done. But county officials believe that in order to tackle housing need at a meaningful level, it is first necessary to address community misperceptions about affordable housing.
"We're no longer talking about immigrants, or even nurses or teachers. We're talking about doctors and professors. Housing costs are so incredibly expensive these days," says San Mateo County Supervisor Adrienne Tissier. "Affordable housing candidates run the gamut. It's our own children. It's everybody."
"That's the challenge of affordable housing on the Peninsula," she says. "But I believe that by working together and working with organizations such as Peninsula Habitat, it's a challenge that can be met and conquered."
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BUILDING ON FAITH
To learn more about faith-based partnership opportunities at Peninsula Habitat,
click here.
Volunteer Opportunities
Current Needs
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