The Case for Low-Income Homeowners

Shelter Report 2010:

The Case for Low-Income Homeowners

Habitat for Humanity International

CEO Jonathan Reckford

Senior Vice President of Advocacy, Government Affairs and General Counsel Liz Blake

Congressional Relations Associate Dan Petrie

Communications Associate Director Arlene Corbin Lewis

Contributing Writer Jennifer Duncan

Layout and Design Tonya D. Wright

Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action.

Habitat for Humanity International

121 Habitat St.

Americus, GA 31709

(229) 924-6935,

(800) HABITAT, fax (229) 928-8811

publicinfo@

Government Relations and Advocacy Office 1000 Vermont Ave. NW, Suite 1100 Washington, DC 20005 (202) 628-9171, fax (202) 628-9169 E-mail: hfhiadvocacy@

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Acknowledgements

Many thanks to the Habitat for Humanity staff who helped make this report possible, especially: Barb Daugherty, Susan Dunn-Lisuzzo, Lori Harris, Sue Henderson, Jane Katz, Beth Marcus, Stacey Millet, Ramya Punnoose, Christopher Ptomey, Steven Seidel, John Snook, Susan Stevenson, Theresa Waldrop and Teresa Weaver. For sharing homeowner stories: Pat Bacon, Rev. Pam Doty-Nation, Gib Edson, Diane Estrin, Ariane Kjellquist, Lew Kraus, Amy Lemmer, Harold Tessendorf, Tonya Thayer, Sharlene Weed and Betsy Whitney. For their wonderful photographs we would like to thank Steffan Hacker, Chenqa Maxwell, Ezra Millstein and Greg Pachkowski. We are also extremely grateful for the time and energy Susan Corts-Hill spent preparing and editing this year's report.

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Table of contents

Foreword: Meet Andrea LaGrone, homeowner.................................................................................................................................7 Executive Summary: The facts of success...........................................................................................................................................9 Chapter 1: Introduction.......................................................................................................................................................................13 Chapter 2: Making homeownership possible: then and now...........................................................................................................17 Chapter 3: Benefits of homeownership for low-income families ...................................................................................................23 Chapter 4: Tools for success for low-income families ......................................................................................................................37 Chapter 5: Conclusions and policy recommendations.....................................................................................................................49 Acronyms and Glossary.........................................................................................................................................................................55 Endnotes...................................................................................................................................................................................................59

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