Causes: Christianity, Homeless & Housing, Housing Development, Construction & Management, Religion

Mission: Providing housing solutions of homeownership, community development and home repair to qualified applicants using volunteer and homebuyer sweat equity.

Programs: Construction program - the construction program supervises new house builds, rehabbed home builds, and owner occupied repair projects. In 2016,52 families were served by our efforts.

mortgage discounts - mortgages are discounted using an imputed interest rate that approximates the rate that an independent borrower and lender would have negotiated in a similar transaction. New mortgages equaling approximately 1.46 million were written and entered into in 2016, and were discounted to represent the present value of these zero interest loans. Imputed interest of 7.48% is used for mortgages in 2016.

restore program - the purpose is to generate a sustainable source of income for hfhml by diverting usable building materials, furniture, appliances, and landscaping from our landfill and selling those donated items to the public. In 2016, we estimate that over 5,200,000 pounds of materials were diverted from landfills.

family services - the objective of this program is to select and approve applicants for homeownership. Once approved, partner families are prepared financially, emotionally and socially for homeownership by this program. In 2016,1,213 pre-applications and 481 full applications were screened with 16 approved applications. Over 42 workshops were held in order to meet this objective.