Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Bethany Court Rises with Paired Homes

Completed Phase II paired homes on Bethany Court

The view on Bethany Court

Bethany Court is taking shape in Covenant Heights.  According to Senior Building Supervisor, Duane Bontrager, 10 homes are finished with 14 under construction.  Four more building permits are in the application process.  Both paired homes and town homes are under construction.  If you are a first time home buyer, looking for a 3 bedroom, 1-1/2 bath home priced at $163,000, come talk to us.  Take a drive through Covenant Heights Phase II and see for yourself the attractive homes and view the building sites available.  Visit our website at www.hopecommunitybuilders.org.

Covenant Heights is located on Rt. 11 S., behind the DMV.  All homes carry the Earthcraft and Energy Star certfication meaning energy and cost savings for the home owner with benefits to the environment.

In November, 2007 five HCB board members and three staff attended the Governor’s Housing Conference in Roanoke, VA.  The conference brings together persons who work with affordable housing and improving neighborhoods throughout Virginia.  Keynote speaker was Barbara Ehrenreich, an author of published books, articles and essays on issues such as economic justice and healthcare.  Her theme was “Housing, the Heart of our Communities.”

This conference was a great opportunity to network with others in the housing field with the benefit of strengthening relationships and gaining fresh ideas in our day to day mission of strengthening relationships and gaining fresh ideas in our day to day mission of strengthening our community.

Senior Supervisor Duane Bontrager received certification as a Housing Development Finance Professional (HDFP) from the National Development Council (NDC).  Certification is a designation given to individuals who successfully complete an intensive housing development finance training series that is conducted by NDC.  The courses provide individuals working in the field of housing development with training in single-family home ownership finance, multi-family housing development finance, housing development finance including problem solving and deal structuring, and the creation and implementation of development programs.  The course consists of four week long seminars over a one year period.  There is an exam at the end of each week with a comprehensive examination upon completion of the course.

The NDC is a non-profit corporation which specializes in economic/housing development training and technical assistance for economic/housing development.

Tony is one of the first home owners to move into Bethany Court, Phase II if Covenant Heights.  He just moved in December, 2007 and is getting to know the neighbors.  His first impression of the neighborhood is that his street is fairly quiet, yet there are many children throughout the neighborhood.  He is enjoying his new home very much.  Tony learned about HCB from a friend and decided to buy a home in Covenant Heights after renting in Bridgewater.  He is pleased with the quality and energy efficiency of his home and glad he made the move.

Tony volunteers almost full-time with the food pantry at Blessed Sacrament Catholic Church.  The church food pantry is part of the Blue Ridge Area Food BAnk and serves 1,500 households per year.  A variety of services Tony works with include grocery distribution, hot meals on Wednesday evenings and hot lunches on Thursdays.

Tony has a daughter, Elizabeth, who is a junior at Virginia Tech.  We welcome Tony and Elizabeth to the neighborhood.

The land for the third and final phase of the Covenant Heights subdivision has been purchased from Grace Covenant Church.  The sale closed in January, 2008.  Phase III will be composed of 55 building lots and will be comprised of paired homes and town homes.  As the plat drawing becomes available for Phase III, it will be published in this newsletter.  Look for more details in the upcoming issues.

The Federal Home Loan Bank of Atlanta has awarded $105,000 in a competitive grant to HCB.  HCB was chosen to receive these funds for closing cost assistance to moderate to low income home-buyers.  Grant money would be enough to assist 21 home-buyers at $5,000 each.  Home buyers are eligible to receive these closing costs funds in addition to HOME funds from the Department of Housing and Community Development.  When HOME funds are available, closing cost assistance to home buyers comprises up to 10% of the cost of the new house.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: asrat.gebre@hopecommunitybuilders.

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Phase II Gets Underway This fall, excavation began on Phase II of Covenant Heights subdivision, behind the DMV on Route 11 South. Phase II will consist of 42 homes. 21 homes will be developed as affordable homes utilizing state and federal funding and 21 will be developed as market units. There will also be a green space for a subdivision park. Quality Excavating, Inc. working on Phase II: An excavator moves dirt preparing for 42 more homes. Bulldozers push ground to make the new street, Bethany Court, which connects with Jericho Road.
Wayne Teel Becomes HCB Board President Wayne Teel is now president of HCB. He is a professor at JMU, teaching in the Environment Sector of the Integrated Science and Technology department. He also teaches Environmental Geography at JMU. Dr. Teel spent nine years with Mennonite Central Committee, mostly doing agro-forestry work in Sudan, Kenya and Mozambique. Dr. Teel was instrumental in guiding HCB to building its homes “green.” All homes built by HCB feature improved insulation, energy efficient water heaters and heating and cooling systems. Homeowners are encouraged to purchase “Energy Star” rated appliances.
Alternative Giving Fair Held at Park View Mennonite Church In November, Park View invited HCB to be represented in its first Alternative Giving Fair. Held after the morning service, the fair gave congregants an opportunity to donate to local non-profits in honor of someone, instead of buying gifts. HCB accepted donations on behalf of the Paul Jackson family. Paul was killed while trying to de-escalate a fight in his community. He and his wife Carol were in the process of buying a HCB home on Kelley Street. Over $575 was received for the Jackson family at the fair. If you would like to contribute to this family you are welcome to do so. All donations are tax-deductible and will be applied directly to the Jackson family account. Click here to print out donation form.
Meet Norma Hernandez Norma Hernandez Norma moved from her home country of Mexico 14 years ago. She lived in Kentucky for 5 years and moved to Harrisonburg 9 years ago. Several years ago, she went to her bank, BB&T, and asked about home ownership. Loan officer Pete Weaver told her about HCB and referred her to Asrat Gebre who assisted her in the home buying process. She moved into her new home on Joppa Court January, 2006. After one year, Norma says she loves her new home and neighborhood and is glad she made the decision to buy a home. Norma works for Christian Light Publications, where her fluent Spanish skills are used in editing and translating books and materials. Norma also works on computer design of new books and uses her skills in binding, operating a Sidewinder book binding machine. Books and materials published by Christian Light are used in the U.S. as well as in many Spanish speaking Central and South American countries. She works with translating Bible stories, books of missionary stories and experiences and books about Christian Living. We welcome Norma to the Covenant Heights neighborhood.
Housing Conference Held in Norfolk In November, 2006 all nine HCB Board and staff members attended the annual Governor’s Housing Conference in Norfolk, VA. This is Virginia’s largest and most comprehensive affordable housing conference. Keynote speaker was Juan Williams of NPR, who related his experiences with public housing. Governor Kaine, who was a fair housing attorney before becoming Governor, also spoke at the conference. He has been very supportive of fair housing issues. HCB staff made valuable contacts with others in the fair housing field.
Property Owner’s Association Meets Asrat Gebre talks with home owners In February, 2007 all homeowners were invited to meet together to discuss issues of importance to the Covenant Heights neighborhood. Over 20 persons met together with HCB staff to work at issues such as safe play of children, paving individual driveways and whether or not to install street lights. Working at issues together strengthens the neighborhood and gives each family a voice in decision making.
HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Wayne Teel—President Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: asrat.gebre@hopecommunitybuilders.org

A non-profit Community Housing Development Organization

]]> http://newsletter.hopecommunitybuilders.org/hope-community-building-winter-2007/feed/ 0 http://newsletter.hopecommunitybuilders.org/hope-community-building-autumn-2007/ http://newsletter.hopecommunitybuilders.org/hope-community-building-autumn-2007/#comments Mon, 01 Oct 2007 16:06:09 +0000 admin http://newsletter.hopecommunitybuilders.org/?p=5

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Duplexes Rise on Bethany Court

Phase II duplexes take shape on Bethany Court

Foundations in place for new homes.

The first homes in Phase II are taking shape. According to Duance Bontrager, Senior Building Supervisor, there are 4 complete, with 2 complete pending final inspection, and an additional 2 are occupied. Another 10 unit are under construction, with 4 more building permits in hand. If you or someone you know is looking for a quality, Earthcraft certified home, call us today. Phase II includes 42 homes, 21 of which are available to buyers with incomes of 60% of the median income for this area. An additional 21 homes will be offered to homebuyers with higher incomes and will be sold in the open market. Complete information about Phase II may be found on our website www.hopecommunitybuilders.org. Covenant Heights is located on Rt. 11 S., behind the DMV.

Joppa Court is now complete with paved driveways and beautifully landscaped lots.

Another view of the paved driveways on Joppa Court

This summer all residents on Joppa Court enjoyed the benefits of having their driveways paved. This was a result of a decision made at the Property Owner’s Association in February. The cost of paving was shared with HCB paying half and homeowners paying half. Homeowners have worked hard landscaping this summer, not an easy task during hot and dry weather.

The Virginia Housing Development Authority (VHDA), based in Richmond, VA announced that HCB was one of 70 organizations that provide affordable housing around the state to receive $192 million in low-interest financing. HCB was awarded $1.3 million for its work in building affordable homes in Harrisonburg.

Round 6 of the Authority’s Sponsoring Partnerships and Revitalizing Communities (SPARC) homeownership program provides below market rate loans for first-time homebuyers through special allocations made to local housing organizations. SPARC funding assists housing groups in addressing critical housing needs facing their communities. Interest rates are ½% to 1% below VHDA’s First-time Homebuyer Programs rates.

HCB also received $115,000 from the Dept. of Housing and Community Development for Closing Costs Assistance and $50,000 for Administrative Assistance.

Talking with Pishdar Mirawdali, you have a definite sense of a family that is grateful for a beautiful new home to call their own. Moving into Covenant Heights on Christmas Day, 2006, the Mirawdali family is thankful to have the freedom of ownership and not having to check with a landlord before changes can be made to their home. They found out about Covenant Heights through friends who bought a home in the neighborhood and the home buying process went very smoothly. Pishdar expresses gratitude to Eric Beck and Duance Bontrager for treating them with utmost respect when working on designing their home and patience with them when making changes to plans. He feels that Eric and Duance did their best to implement the desired changes. The Mirawdalis are very satisfied with their home and enjoy their life on Joppa Court. Pishdar is married to Haleem and they have 4 daughters. Heleem is 3, Zaytoom is 6, Neshua is 7, and Heshu is 9. Their schools age daughters enjoy school life at Pleasant Valley Elementary. Pishdar is a student at Blue Ridge Community College and a contractor for Fairfield Language Technologies. Haleem is a quality inspector at Marshalls. The family appreciates life in Harrisonburg citing stability of the economy, personal freedoms, and diversity in the community as positives of life here. We are glad the Mirawdalis are part of the Covenant Heights community.

Sunday, October 14 brought friends together over ice cream and desserts at Grace Covenant Church. The entire neighborhoods of Southside Heights and Covenant Heights were invited to meet and enjoy food and fun at the picnic/playground area of the church. According to Mike Sounder, Outreach Director of Grace Covendant Church, the ice cream social is a great way for the church to meet its neighbors and for the neighborhood to come together and build relationships. It was an ideal fall day and many enjoyed sweet treats, games for the children and visiting with neighbors. We are pleased to work with Grace Covenant Church to host this event for the neighborhood.

The land for the third and final phase of the Covenant Heights subdivision has been purchased from Grace Covenant Church. The sale closed in January, 2008. Phase III will be composed of 55 building lots and will be comprised of paired homes and town homes. As the plat drawing becomes available for Phase III, it will be published in this newsletter. Look for more details in upcoming issues.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: asrat.gebre@hopecommunitybuilders. New duplexes rise on Joppa Court in the Hope Community Builders’ Covenant Heights subdivision, Rt. 11 South, behind the Division of Motor Vehicles.

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Façade Designs for Phase II Developed

Construction permits have been secured and the infrastructure development has progressed sufficiently to begin construction of 42 new homes in Phase II of Covenant Heights. The subdivision is located on Rt. 11 South, just behind the DMV. There will be a mix of town homes and duplexes, 21 of which will be available to buyers with incomes of 60% of the median income for this area. The remaining 21 units will be available to homebuyers with higher incomes and will be sold on the open market. HCB has secured the services of Blue Ridge Design Studio to design homes in Phase II with coordinating facades. Concept designs are shown below. We are now accepting applications for these homes. If you would like more information on homes in Phase II or know of someone who would be interested in purchasing a home please contact Asrat Gebre, CEO or Duane Bontrager, Senior Building Supervisor, office phone 433-0152, or go to our website—www.hopecommunitybuilders.org

Building staff have begun using UDA Construction 2007 to steam line the home construction process.  This program coordinates estimating, accounting and scheduling for an efficient construction process.  Generating material lists, cost estimates and all aspects of construction management with sub-contractors becomes an easier task.  HCB can better assist other affordable housing providers with its experience in building cost-effective affordable homes. Recently HCB collaborated with the Harrisonburg Housing Authority to estimate and cost 22 rental units for handicapped Harrisonburg residents.  The project includes the demolition of high-density public housing units built in the 1950’s with low density one and two-bedroom units which are completely accessible.  All of these homes will have the Earth Craft certification for energy efficiency, just as all homes built by HCB have this certification.  We are pleased to be able to work with the Housing Authority on this project and will begin construction of the units when the Housing Authority has everything in place.

Richard Taveras began his term on the HCB Board of Directors in April, 2007.  A resident of Kelly Street and a HCB homeowner,  Richard has a bird’s eye view of the HCB home buying process.  Several years ago a friend told him about HCB and he first rented, and now owns his home.  His family includes his wife, Lucia and sons Andy and Stewart.  He operates his own business on Main Street, Latino Tax, where he prepares income tax forms, assists clients with translation and immigration paperwork, and operates a travel agency.  Richard’s goal is to help the Hispanic community in any way that he can.  He looks forward to serving on the HCB Board. We welcome him to this new role.

Nils, Evelyn and Nils Adam Rodriquez

Nils and Evelyn moved into their new home on Joppa Court in September, 2006.  They feel very fortunate to have a new home and are thankful for God’s good gifts to them.

Both Nils and Evelyn’s extended families are from Puerto Rico.  They both were born in the U.S. but met while in Puerto Rico in 1993.  They came to Harrisonburg after living in North Carolina.  Nils says when they came off the Interstate 81 exit they knew they would stay in Harrisonburg.  Nils and Evelyn enjoy the beauty of the area, especially the mountains.  They have lived here for 8 years.

A friend of theirs, Esperanza Valdez told Nils and Evelyn about Hope Community Builders.  Esperanza also has a home on Joppa Court.  Nils contacted Asrat Gebre who helped them with the home buying process.  They enjoy their home very much.  Nils works at Cargill Meat Soluntions in the tray pack department.  Evelyn is a homemaker and keeps the family running.  Their son, Nils Adam is 6 years old and a student at Pleasant Valley Elementary School.  We welcome Nils, Evelyn and Nils Adam to the Covenant Heights neighborhood.

Below is a plat drawing of Phase II of Covenant Heights

In April, Board Chair Wayne Teel and CEO Asrat Gebre were interviewed for the TV-3 program “Reach Out.”  Hosted by Charles Thomas, “Reach Out” gives exposure to non-profit community groups in a question and answer interview format.  Wayne and Asrat talked about the history of HCB, where homes have been built, who qualifies for a HCB home and updated viewers on the status of Phase II in the Covenant Heights neighborhood.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: asrat.gebre@hopecommunitybuilders.

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Virginia Approves Change in Income Qualification In the past, homeowners who qualified to own a home built by Hope Community Builders had incomes of up to 60% of the median adjusted gross income for this area. Virginia has just changed the requirement to allow up to 40% of the families in the Covenant Heights subdivision to earn up to 80% of the median adjusted income for this area. This will allow a greater income diversity in the community. The largest impact is on single persons—who may earn up to $30,000 to qualify for their home. The new requirement comes as a result of market forces changing—increases in housing and building costs. Salary growth has not kept up with these increased costs. Allowing families to earn up to 80% of the median adjusted income will allow more single persons and families to qualify for a home. See chart below for specific income requirements: Family Size 60% 80% 1 $23,160 $30,850 2 $26,460 $35,250 3 $29,760 $39,650 4 $33,060 $44,100 5 $35,700 $47,600 6 $38,340 $51,150
Grace Covenant Church and HCB Host Neighborhood Ice Cream Social Neighbors enjoy making ice cream sundaes. It was almost too good to be true. After three days of clouds and rain, the afternoon of October 8 gave way to high clouds and brilliant sunshine. Well over 100 people enjoyed getting to know each other better over ice cream and desserts on the patio of Grace Covenant Church. The entire community surrounding the church was invited to the informal event. Retired persons, families, church members and HCB staff enjoyed getting to know each other better and became a closer community. Children played basketball and football, explored the playground, jumped in the moon bounce, enjoyed making their own ice cream sundaes, and made some new friends along the way. Our thanks to Grace Covenant Church for hosting this fun event. HCB and the church plan to make the neighborhood ice cream social a regular neighborhood celebration.
Covenant Heights Construction Phase I construction has now been completed with 36 duplexes and 8 town homes Joppa Court is nearing completion. built. Families who purchased town homes are getting ready to settle in this fall. Phase II funding has been received from the state to develop 21 units as affordable homes. The remaining 21 homes in Phase II will be developed by HCB resources as market units. While HCB received less money from the state, this will enhance economic diversity in the subdivision.
Nancy and James Mahaffey Meet James and Nancy Mahaffey The Mahaffeys have known about HCB for several years. Before they were married in 2004, a friend told Nancy about Asrat Gebre and HCB. After settling into married life, they thought owning a home would be a great plan. Last summer, they seriously looked into home ownership and applied for a home through HCB. They were approved and their home was started in January, 2006. In September they moved into their new home on Joppa Court. James in an insurance agent and Nancy works as a pharmacy technician. Welcome!
Update on Rasheed Family Thanks to many of you for contributing to the cost of the Rasheed family’s home. Contributions from businesses and individuals have totaled over $7,000 to date. If you want to help reduce the family’s indebtedness you may still contribute. Just clip the coupon below and send along with your tax deductible contribution. The Rasheed family has moved in to their new home in Covenant Heights and getting settled in the community. Remembering Conard Washington Conard Washington, HCB Board President, passed away September 15, 2006 at the age of 72. He was Board President since June, 2001. He and his wife Doris were married 52 years and resided on Kelley Street. Connie was a community presence in the Northeast as a successful business man and a community master griller. He always insisted that HCB build homes that have uniqueness and character. HCB promises to keep this vision—our homes will be homes in which homebuyers will always have input into the design of the home. That would be the legacy of Conard Washington.
HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Wayne Teel —Pres. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: gebrea@adelphia.net

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Introducing Phase II of Covenant Heights – HCB subdivision on Rt. 11 South, behind the DMV

What is Covenant Heights? A three-phase subdivision, Covenant Heights consists of duplexes and town homes. Each home is custom designed by Hope Community Builders and qualified homebuyers. Homes are approximately 1,350 square feet in size. Phase I is almost complete with 44 duplexes sold and all units finished or underway.

What is Phase II? There will be 40+ units built in Phase II – duplexes and town homes will be constructed. There will also be a green space for a community park. Work is scheduled to begin this summer. When the engineer completes the drawing and the county approves it, streets and utilities will be installed. Next, the design of homes for each lot will begin, in consultation with each homebuyer.

How do I apply for a home? To purchase a home in Covenant Heights, you must meet the following requirements: be a first-time homebuyer, have an annual income of $20,000-60% of the median income for this area (a family of 4 may earn up to $33,060 and qualify), and have good credit. Visit our website at www.hopecommunitybuilders.org to download an application form. Complete the application and deliver or mail to: Hope Community Builders, 450 Rockingham Drive, Harrisonburg, VA 22802. You will be contacted and if approved, guided through the entire home buying process.

How does Hope Community Builders make homes affordable? Because Hope Community Builders is a Community Housing Development Organization, we access federal and state funds to make our homes affordable. Each homeowner has a mortgage that is affordable for them.

DHCD Conducts Audit

In April, 2006, a total of five representatives from the Department of Housing and Community Development (DHCD) conducted an audit of HCB. Over several days, three persons from the state and two federal representatives toured Covenant Heights subdivision, reviewed HCB records and talked with homeowners. They reported that Covenant Heights is the most ethnically diverse housing development of its kind in the state. The representatives recommended that HCB be a model for other fair-housing groups. Because HCB is its own building contractor, and hires its own sub-contractors, day-to-day operations are streamlined and the homebuyer has a positive experience working with one organization instead of many organizations as with other fair housing groups in the state.

New duplexes under construction on Joppa Court.

Homebuyer’s Advisory Committee holds Neighborhood Picnic The picnic was a great family time! On June 2, 2006, more that 50 homeowners and HCB staff enjoyed a picnic together at Hillandale Park. Everyone enjoyed foods from many countries and a time of getting to know neighbors and HCB staff better. Children played together on the playground while parents chatted, compared notes on buying their home, found similar interests and everyone took steps to become a better acquainted community.

Meet The Pulido Family Carlos, Martha, Carlos and Jonathan Pulido When Carlos and Martha Pulido moved to Harrisonburg from Mexico several years ago, they found housing was just too expensive. They found a home initially in Elkton, but decided it was too far from their work in Harrisonburg. They saw the HCB sign in the Covenant Heights subdivision and decided to inquire. Asrat Gebre explained the entire home buying process. Choosing appliances, fixtures and carpeting in their new home appealed to them and the payments seemed manageable. Carlos and Martha decided to sign the contract to buy a home. Asrat told them to be patient, and they have been. They began the process in March, 2005 and hope to move into their new home at the end of this summer. Carlos and Martha have two sons, Carlos, age 9 and Jonathan, age 4. Carlos is a carpenter and Martha is a teacher assistant for Harrisonburg City Schools. They keep a close eye on the progress of their new home and can’t wait to join the neighborhood.

Core Housing Alliance Meets Asrat Gebre, Michael Wong, Bill Young and Duane Bontrager at the luncheon In June, 2006 members of the Harrisonburg Rockingham Core Housing Alliance met to share ideas and network together. The lunch meeting was held at Simm’s School. Members listened to a panel discussion concerning the demand for affordable housing in Harrisonburg and hurdles first-time homebuyers face. HCB provided the meal and a display.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith

Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: gebrea@adelphia.net

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Hope Community Builders Goes Green

Hope Community Builders (HCB), has retained the services of GreenVision Consulting of Richmond to certify its new homes with an “Energy Star” designation. This label, a government backed symbol seen on computers, appliances, etc. can be earned for homes as well. By following a set of guidelines established by the U.S. Environmental Protection Agency for building and passing certain on-site tests, each individual home can be certified as an “energy star” home. New homes will feature improved insulation, energy efficient water heaters and heating and cooling systems. Homeowners will be encouraged to purchase “Energy Star” rated appliances. In addition, HCB will work toward certifying their homes as “Earthcraft Homes.” Earthcraft is an organization that sets standards for building which lowers a home’s impact on the environment. These standards work to create homes which are more energy efficient, have better indoor air quality, use environmentally friendly building materials, and reduce waste during the construction process. What does this mean for HCB home buyers? With careful consideration of the environment and energy efficiency, home buyers will have a home that will be 30% more efficient than homes built to the Model Energy Code, incur lower monthly utility costs through the life of the home and help reduce greenhouse gas emissions. The Virginia Housing Development Authority (VHDA) has recently adopted Earthcraft standards for green building. Building to these “green” standards also gives HCB better access to mortgage interest rates at lower than market value for first time home buyers. As administrators of these “SPARC” funds, HCB will have a competitive edge to receive these funds.

Covenant Heights Construction Update

Senior Building Supervisor Duane Bontrager and Builder Supervisor Eric Beck review drawings for in-process homes in Covenant Heights.

The completion of Phase I of Covenant Heights is almost a reality. 44 duplexes have been sold and 20 have been built. 17 families have moved into new homes with several closings each month. There are 16 additional homes in various stages of construction.Phase II consists of 41 duplexes with several townhouses and is anticipated to begin in July, 2006. Land for Phase II has just been purchased and plans are being designed. Phase II will include a green area for a subdivision park. According to Asrat Gebre, CEO, now is the time to apply for these new homes. Requirements include:

• Being a first—time homebuyer
• Annual income may not exceed 60% of the median income—a family of 4 may earn up to $33,060
• Good credit.

All homes are custom designed in consultation with the home buyer and are approximately 1,350 square feet in size.

HCB Awarded $3 Million in SPARC Funds

The Virginia Housing Development Authority (VHDA), based in Richmond, VA just announced that HCB was one of 60 organizations that provide affordable housing around the state to receive $137 million in low-interest financing. HCB was awarded $3 million for its work in building affordable homes in Harrisonburg in 2006. Round 5 of the Authority’s Sponsoring Partnerships and Revitalizing Communities (SPARC) homeownership program provides home loans through non-profit organizations, such as HCB, to potential homebuyers. HCB is also eligible to receive allocations at an interest rate of ½ to 1 percent below VHDA’s rate for first-time homebuyer programs. The emphasis of SPARC funds is to boost home ownership among low-income Virginians. SPARC funds also support VHDA’s strategic initiatives such as community revitalization, and serving the housing needs of seniors, minorities and those with disabilities. Information on the SPARC program can be found at the VHDA website: www.vhda.com

Meet Homeowner Connie Miles

Connie moved into Covenant Heights January 7, 2006. She had been praying for a home of her own for years. She could not afford a home in a neighborhood where she felt comfortable.

Connie Miles

Several years ago, Connie met some friends during a shopping trip. As she visited with them, she mentioned that she would really like to buy a house in Harrisonburg, one that she could afford in a neighborhood where she could feel comfortable and safe. Her friends told Connie that their church, Grace Covenant, had just recently sold land to Hope Community Builders. Connie phoned Asrat Gebre, who sent her to see the new subdivision for herself. She remembers seeing the beginnings of the first two duplexes and trying to figure out the floor plans. She liked the setting of the neighborhood and inquired further. Asrat took her through the entire home buying process. She now enjoys life with her dog in her new home on Joppa Court, having just moved in to her new home in January, 2006. Connie is an Instructional Assistant for Harrisonburg City Schools and looks forward to meeting her new neighbors in Covenant Heights.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: gebrea@adelphia.net New duplexes rise on Joppa Court in the Hope Community Builders’ Covenant Heights subdivision, Rt. 11 South, behind the Division of Motor Vehicles.

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Covenant Heights Project Launched

HCB Covenant Heights subdivision

Work began January, 2004 on Covenant Heights, our newest subdivision. Phase I of the project includes the construction of 44 duplexes on Rt. 11 South, behind the Division of Motor Vehicles. Land was purchased from . Grace Covenant Church. The Department of Housing and Community Development gave a forgivable loan of $639,300 for infrastructure development—building streets, curbs, utilities, etc. Hope Community Builders (HCB) has access to these funds because it is recognized by the federal government as a Community Housing Development Organization (CHDO). These federal funds, which are administered by the state, consist exclusively of State of Virginia HOME funds set aside for CHDO-eligible activities. According to Asrat Gebre, HCB CEO, 20 homebuyers have been approved to have homes built for them in Covenant Heights. Duane Bontrager, Construction Supervisor , has 12 duplexes started with the first one anticipated to be finished January, 2005. Each duplex is unique; qualified homebuyers assist in the design and layout of their home. Homebuyers must meet eligibility requirements including income, good credit and paying 1% of the appraised value of the home at the time of closing. The Covenant Heights project includes a total of 125 homes in three phases over the course of six years. Duplexes and townhomes will be constructed. If you are a first time homebuyer or know of someone who is looking for affordable housing, contact us and we’ll be glad to go over the qualifications of building a home with you.

Construction of 11 homes on Kelly and Tower streets was completed in September, 2004. This project was a coordinated effort of many organizations. The Harrisonburg Redevelopment and Housing Authority made a gift of the undeveloped lots on Kelly/Tower streets free and clear. They also provided an interest free revolving construction loan of $150,000 for the project and HCB may continue to use this construction loan for the Covenant Heights subdivision. The Virginia Department of Housing and Community Development gave a grant of $106,000 for infrastructure development of Kelly/Tower from the HOME Fund and provided $55,000 for administrative support from the CHDO assistance fund. The City of Harrisonburg gave a grant of $34,000 for street improvements on Kelley/Tower and the Federal Home Loan Bank gave a grant of $24,500 for closing cost assistance for seven homes. Now 11 families are enjoying the benefits and responsibilities of home ownership and are becoming a community.

Harrisonburg City Council took action in November, 2004 to make sweeping changes to the city’s zoning code. The revisions are designed to increase the number of home owners in our city where most people rent homes. Over 60% of housing in the city is in rentals; whereas the average for the state is 31%. These changes to the zoning code will allow HCB and other builders increased flexibility in developing planned neighborhoods with a good mix of homes, retail shops and recreational facilities.

The Mullens

Dennis and Cheryl Mullen, along with their children Justin, Melissa, Rachel and Nicki have enjoyed living in their own home for a year. They moved into a new four bedroom home on Kelley Street December, 2003. They closed on their 30-year mortgage in December, 2004. HCB coordinated an effort to assist the Mullens with medical expenses that were not covered by insurance. With those bills taken care of, they can now enjoy being homeowners. Says Cheryl, “I think it’s a blessing. I think the most astonishing thing is my children. Their self-esteem has changed.” Justin has been given a full scholarship to Blue Ridge Community College. Rachel, who is deaf and autistic, is enjoying friends in school and is being mainstreamed in several classes. She is teaching the neighbor children sign language and each of the Mullen children are inviting others over to play at the their new home. “Living in a decent and clean home has made a whole lot of difference in our family,” exclaims Cheryl. “If you would have seen us a year ago and again today, you wouldn’t recognize us. Our whole family has changed.”

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith Cheryl Talley
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: gebrea@adelphia.net

A non-profit Community Housing Development Organization

Hope and Community Building is published quarterly by Hope Community Builders.Designed and edited by Ken and Deb Layman.

Lots in Phase I of Covenant Heights Subdivision Sold

View from Joppa Court and Jericho Road

Completed duplex on Joppa Court

Most of lots 1-44 have been purchased in the Covenant Heights subdivision, just off Rt. 11 South behind the DMV. According to Asrat Gebre, CEO, 40 of the 44 lots have been purchased. Twelve of the homes in the subdivision are now completed and occupied. Four more units are projected to be completed by the end of November. An additional four units will be done by late December/early January and four new foundations were begun in October. Joppa Court is coming alive with the sounds of children playing and neighbors getting acquainted and settling in to their new homes.

In September and again in November, homeowners who have purchased and moved into homes in the Covenant Heights subdivision met to formally organize the Homebuyers Advisory Committee. This group will meet quarterly and work to give homeowners guidelines as the subdivision grows and changes. Issues already addressed include agreeing on guidelines for storage buildings and waste and snow removal. Juan Correa and Martin Solomon were appointed to the Executive Committee.

Eric Beck joined HCB in October, 2005 as building supervisor. He and his family moved to the Harrisonburg area from Indiana in the spring. Eric has experience in new construction as well as remodeling work. He wanted to work with an organization that provides affordable housing. Upon meeting Asrat Gebre while visiting Mt. Clinton Mennonite Church, Eric began discussions that led to his becoming part of the HCB team. Eric’s areas of responsibility include coordinating the work of sub-contractors and working along side them to keep the building schedule on task. He and senior Building Supervisor Duane Bontrager work to ensure home-owners have a quality built, custom designed home that will serve them well for years to come.

Eric and his wife Susan live in Harrisonburg and have two daughters, Asha, who is 6 and Hannah, 3. Welcome, Eric.

Sarah Sampson, Conard Washington, Pat Blakey, Willie Fobbs, Associate Director DHCD, Duane Bontrager

Governor’s Conference

The annual housing conference was held in Roanoke September 14-16, 2005. Six persons from HCB attended—Board members Pat Blakey, Sarah Sampson, Conard Washington, Henry Whitelow, along with Duane Bontrager and Asrat Gebre. Various aspects of housing in Virginia were discussed and HCB board members and staff networked with other affordable housing providers.

Meet the Correa and Cortez families, Covenant Heights Homeowners

Carlos, Ofelia, Juan and Marta Correa

Rafael, Bryan and Hilda Cortez

Juan Correa has lived in Harrisonburg 11 years. He came to the U.S. from Mexico at the age of 7. He and his wife Ofelia lived in a mobile home park on Country Club Road before moving into to a brand new duplex in Covenant Heights in August, 2005. Juan saw an ad in the newspaper about Hope Community Builders and through a 2-year process, his family became homeowners. He and Ofelia have a son, Carlos who is in 6th grade at Thomas Harrison Jr. High and a daughter Marta, a 2nd grader at Pleasant Valley Elementary School. Juan and Ofelia have a colorful history. Their families were part of a 300-year family feud in Mexico. They have put all that behind them and are enjoying the view from their beautiful home on Joppa Court.

Next door neighbors to Juan and Ofelia live Ofelia’s sister Hilda and husband, Rafael Cortez. Rafael and Hilda have lived in Harrisonburg 16 years. Before moving into their new home in August, Rafael and Hilda lived near the HCB office on Rockingham Drive. Hilda visited Asrat Gebre often, asking many many questions before they became homeowners. She is grateful for Asrat and Duane Bontrager’s assistance in the home buying process. They have made it a positive experience for the Cortez family. Rafael and Hilda have two sons. Dan Richard goes to school in Chantilly, VA and Bryan attends Thomas Harrison Middle School.

HCB has retained the services of GreenVision Consulting of Richmond to certify its new homes with an “energy star” designation. This requires that all new homes be inspected at all levels of construction for energy efficiency and the use of construction materials which are environmentally friendly. Designation is based on a point system, including areas such as square footage, energy efficiency, water conservation and lot placement. New homebuyers will have a home that will be efficient, have lower running costs, and will benefit the environment.

HOPE COMMUNITY BUILDERS is a faith-based housing provider whose purpose is to empower residents of Harrisonburg/ Rockingham County and vicinity, by creating a community of fairness, justice, and hope through the provision of safe, decent and affordable housing. HCB Officers Conard Washington—Pres. Wayne Teel—V.P./Treas. Henry Whitelow – Secretary Asrat Gebre—CEO Staff Duane Bontrager Eric Beck HCB Board Members Don Allen Pat Blakey Sarah Sampson Cephornia Smith
	Hope Community Builders 450 Rockingham Drive, Harrisonburg, VA 22802-5315 Phone: 540.433.0152 Email: gebrea@adelphia.net