Transforming lives through homeownership 足球外围app哪个靠谱
“The wealth of homeownership is much more than monetary, it is what it can do to provide value, 稳定, and community to families.”
Owning a home is life changing. It fosters fruitful communities and promotes prosperity by helping to strengthen economic 稳定 in families. In today’s real e状态 market, many homebuyers prioritize cost and end up compromising on criteria such as location, 家安全, 足球外围app哪个靠谱. 触手可及的家 (HWR)是一家非营利机构, community-based organization that aims to solve this problem and eliminate compromise for low-income home buyers, helping them maximize the benefits of homeownership.
由本地资助, 状态, and federal grants as well as individual and organizational private donations, HWR使用 community land trust practice to help new homebuyers build wealth and equity while providing energy efficient, 安全, 经济适用房. 用最简单的话来说, a community land trust practice makes homes more 负担得起的 by selling the home while retaining ownership of the land. HWR purchases homes through listings or referrals, updates and refurbishes the properties, and then sells the home to a qualified buyer while leasing the land to the homebuyer at a nominal fee. Eliminating land value from the mortgage creates permanent affordability of the property and preserves the property in the community. 自2001年以来, HWR has helped 200 families earning less than 80% Area Median Income (AMI) become homeowners through this model.
Because HWR believes homeownership should be 负担得起的 and accessible without compromising 安全 or energy standards, 他们已经签约了 CEE的新家园团队 since 2016 to support these standards. “触手可及的家 does a great job of helping create 负担得起的 housing, and we are happy to help make sure their buildings are energy efficient, 舒适的, and healthy for new homeowners,” says New 首页s program manager 菲尔·安德森.
For HWR and CEE, energy efficiency is a key factor when improving homes for purchase. “We want our homeowners to be successful, so we want to solve health, 安全, 足球外围app哪个靠谱 issues before they purchase,布伦达说。 Lano-Wolke, HWR’s executive director.
CEE has serviced 45 HWR homes, providing initial and final blower door testing for 安全 insulation, full energy audits through the 家庭能源小组 service, and recommendations for energy ratings and savings. 经过我们的检查, we offer a list of energy upgrades that help reduce energy costs for the homeowner and help the property reach the required HERS (for 家庭能源 Rating System(85分). Some examples of upgrades include furnace or water heater updates, wall or attic insulation, and various levels of air sealing.
“When the buyers sit down at closing, we show them what their annual savings will be because of the work we’ve done in the home. It’s often $800 to $1,000 a year thanks to the improvements CEE suggested,” says Brenda.
Since 2016 CEE的新家园团队 has serviced HWR homes for assessments, 能量测试, 最后的测试. When Brenda joined HWR in early 2021, she prioritized including the team's energy efficiency focus in every home sold. 每个家庭, CEE is involved in the entire remodeling process from initial inspection to the final blower door test, documenting the shift from initial HERS rating to final rating after improvements. “It is very valuable seeing what the home is like from the beginning to what we get it to, so it is important to have CEE involved from the very start,布伦达说。. “The team has been great to work with. 他们快, they accommodate our timeframe on the front and back end, and we really appreciate their flexibility and expertise.”
HWR currently works in 14 communities across Hennepin County, and just recently helped their 200th family. Their mission to transform lives through homeownership has made homebuying more accessible, 负担得起的, and equitable across Hennepin County. “The wealth of homeownership is much more than monetary; it is also what it can do to provide value, 稳定, and community to families,布伦达说。. CEE is proud uphold the HWR mission and provide the benefits of 安全, 负担得起的, and energy efficient homes to communities through HWR.