Housing Assistance Corporation Blog

Angel House Clients Build Life Skill Competencies

Posted by Chris Kazarian on Thu, Sep 28, 2017 @ 10:52 AM
Angel House-17.jpgHAC HCEC Manager Cheryl Kramer (fourth from left) with several of the Angel House clients who took her most recent financial literacy classes. 

Last fall, a client at Angel House took a series of financial literacy classes taught by HAC’s Housing Consumer Education Center (HCEC) Manager Cheryl Kramer. 

When Kramer brought that series – Creating a Budget, Rebuilding Your Credit, and Be a Successful Tenant – back to the shelter in June, that same client opted to take them again. Kramer said the client told her, “I’m so glad you’re back… Last fall I was focused on having my baby and not really focused on what you were teaching. I’m coming to the end of my time at Angel House and I really need to hear what you have to say.” 

It is one example of why these classes are so important, especially for the mothers at Angel House, who are dealing with the trauma of homelessness, overcoming addiction, and learning how to be a proper parent to their child. “Having the class available more than once, they’re able to build on what they learned the first time,” Kramer said. 

On average, 10 clients took part in each of the classes Kramer offered this summer. In August, she awarded 19 certificates of completion to the clients; some received multiple certificates because they took more than one of the classes. 

“One of the greatest values is that this is a concrete way for them to build their life skill competencies,” shelter director Lin Rohr said. “We do a lot of stuff on healing, recovery and parenting. This teaches them how to do a budget. If you spend everything you make in your first week, how are you going to eat?” 

Amanda, a 23-year-old client at Angel House, said the classes provided her with basic skills that she had overlooked or had no knowledge about. “I never knew anything about my credit,” she said. “And it made me open up my eyes about a lot of things like the money I spend on Dunkin’ Donuts alone.” 

“It’s amazing, isn’t it?” Rohr said. “If you spend $5 a day for coffee, that’s $35 a week.” 

Another client, Cassandra, admitted she has poor credit and was considering filing for bankruptcy. Kramer “showed me that is not my only option,” Cassandra said. “Now I’m almost amped up about it. I can fix it. It’s not too late.”

Cassandra is one of nine Angel House clients who plan on meeting with Kramer one-on-one to focus on their individual financial needs. “That is a huge thing she is offering,” Rohr said. “If they had to pay for that kind of outside support that is not doable for a lot of them. It’s a wonderful gift she [Kramer] is giving them.” 

In October, Kramer will return to Angel House to offer the classes to clients again. “It is part of the [Angel House] program now,” Kramer said. “When they come to that class, they are awake, they are vested and come with good questions… They are not just there because they have to be which makes it more fun to teach. And I make sure I’m giving them the info they want to hear and need to hear.”

HAC Receives CCYP Grant

For the second straight year, HAC has been the recipient of a grant from the CCYP's Giving Circle Fund of the Cape Cod Foundation. This grant will allow HAC to provide the following classes for free, for a limited time, on a first-come, first-served basis: 

Tags: HCEC, Family Shelter, Angel House, Cheryl Kramer, Lin Rohr, housing consumer education, financial literacy

HCEC Classes a Gift to Angel House Clients

Posted by Chris Kazarian on Fri, Feb 03, 2017 @ 11:17 AM
HCEC Angel House Edited-1.jpgHCEC Manager Cheryl Kramer (third from left) with several of the Angel House mothers who have benefitted from her financial literacy classes. 

Over the course of 45 minutes in the middle of November, Cheryl Kramer, HAC’s Housing Consumer Education Center (HCEC) manager, walked seven mothers staying at Angel House shelter in Hyannis, through the nuances of one’s credit and how best to rebuild it.

Kramer began with an explanation of credit scores. She then spoke about ways to build credit. And she followed with the importance of paying off debt, budgeting, types of credit cards and how to read a credit report.

She was offering simple, but practical advice for women who have been homeless and have struggled with addiction, and are now taking steps to move forward with their lives.

It was part of an ongoing effort by Kramer to bring three HCEC workshops – Creating a Budget, Rebuilding Your Credit and Be a Successful Tenant – to the shelter. She initially did so last summer and reintroduced the series of three classes to Angel House clients in October, November and December.

“You want to make sure your housing is protected for you and your family,” Kramer told the women during the November session on credit. “So first, pay your rent. Then your utilities. If you’re working, then you have to have transportation, whether you’re using the bus or getting a ride with a friend or you have your own car… If you can’t get to work, then you lose your job and then you lose your housing. It has a trickle-down effect.”

Planning for when the clients leave shelter, Kramer encouraged the women to find ways to reduce their financial burdens by utilizing local food pantries for groceries and agencies like HAC for assistance in purchasing Christmas gifts for their children.

After the November session, several of the mothers talked about how Kramer’s classes have impacted them. “I get worried because my daughter is due in January and where I kind of messed up my credit, I want to be able to financially support her,” Nicole said. “What Cheryl teaches us, it is very helpful and makes you feel hopeful that there is a way out.”

Jocelyn, another client, said the sessions have given her a roadmap to pay off her debt and build up her credit “so that I can eventually buy a house. I have three children so my goal is to eventually buy a house so I don’t have to keep moving around from place to place.”

And for Hayley, the classes are just another example of how Angel House has helped her. “It is teaching me how to be the best mother I can,” she said. “If it wasn’t for this place I wouldn’t have my son. I’m definitely grateful to be here because it gives me time to work on myself.”

In December, Cheryl Kramer attended the Citizens’ Housing And Planning Association (CHAPA) Homeownership Collaborative meeting in Boston, where she was presented a certificate recognizing HAC’s dedication and commitment to continually providing homebuyer education services to low- and moderate-income households since the Collaborative’s inception in 1996. To learn more about HAC's Housing Consumer Education Center offerings or to sign up for a class, click here

Tags: HCEC, Angel House, Cheryl Kramer, housing consumer education, financial literacy

HCEC Teaches Shelter Clients

Posted by Chris Kazarian on Wed, Sep 28, 2016 @ 01:56 PM
HCEC_Angel_House_Photo-1.jpgCheryl Kramer (front center) poses with her HCEC students from Angel House.

A funny thing happened at the end of May when HAC’s Housing Consumer Education Center (HCEC) manager Cheryl Kramer finished up a budgeting and credit education workshop at the Angel House shelter. “They wanted me to come back and teach our Be a Smart Tenant class,” she said.

It is just one sign that the mothers at Angel House are embracing steps to move forward in a positive direction with their lives. Wanting to assist in that effort, Kramer returned and taught the tenancy class which covers everything from renter’s insurance to working with landlords to how to handle an eviction.

In the middle of June, 12 mothers who took the Be a Smart Tenant workshop were handed certificates of completion from Kramer. Afterwards, they spoke about how it benefitted them as they prepare for their ultimate goal of moving out of shelter and into permanent housing. “I feel more confident about moving on from here,” said Victoria Chase.

While HAC has long offered these types of classes to the general public, it has only recently begun to bring them into its shelters. Clients at the NOAH Shelter and Angel House, which are both in Hyannis, are now benefitting from the workshops Kramer has been teaching for years.

Over the past five years, she has taught the Be a Smart Tenant class at both The Village at Cataumet in Bourne and Carriage House in North Falmouth. Last fall, she brought a workshop focusing on budgeting and rebuilding your credit to NOAH, following that up with two additional ones earlier this year.

The curriculum for that class teaches students the components of a budget, how to write a budget, how to review one’s budget, how to fix items in one’s credit report and how to improve and sustain a credit score.

“It has been amazing,” Kramer said of teaching these workshops to the region’s most needy. “The NOAH Shelter guests are so vulnerable, yet are so open to learning, as are the Angel House women. The women at Angel House are so vested and so interested in this. It is so evident they have a desire to learn to do things differently… they are not there because they have to be there. They are there because they want to be.”

Following the Angel House graduation in May, Kramer spoke about the importance of bringing these HCEC workshops to those in shelter, noting that it helps them succeed in securing housing and work. “To know you’ve helped them do something different for their future and for their family is just a fun process,” Kramer said of the rewards she has reaped from teaching in HAC’s homeless shelters.

Click here to learn more about the financial literacy classes offered through HAC's Housing Consumer Education Center. Thanks to a grant we received from the CCYP Giving Circle of The Cape Cod Foundation, we are offering three of those classes for free, for a limited time. 

Tags: HCEC, NOAH Shelter, Angel House, Cheryl Kramer, housing consumer education

Praise for HAC's First-Time Homebuyer Class

Posted by Chris Kazarian on Fri, Oct 24, 2014 @ 10:16 AM

DSC 5799 resized 600

Preparation often sets the stage for success. And that is exactly where Brewster’s Derick Duarte found himself after taking HAC’s first-time homebuyer class in May. 

“I honestly had no idea the basic steps involved with buying a home,” Derick Duarte admitted.

That changed thanks to the assistance of Cheryl Kramer, the manager for HAC’s Housing Consumer Education Center, who led the four-week class Duarte took with his fellow Cape Codders earlier this year.

The class, Kramer said, “helps people think about what they are doing and who they want to work with in the process of purchasing their home.”

For Duarte it set the foundation for what to expect when purchasing a home on Cape Cod. “I knew what was coming, what I had to do and when I had to do it,” he said. “It was so much less stressful than if I hadn’t taken the class and didn’t know what was going on.”

He credited the sessions for giving him insight into choosing a real estate agent; the amount he would need for a down payment on a home; working with a mortgage broker; and the negotiation process for making an offer on a home.

Duarte learned about the class from a friend and elected to take it because “I was at a point in my life where I wanted to buy a home.”

A 41-year-old technician for Comcast and father of two – Cheyenne, 14, and Tyler, 12 – Duarte had been living and renting in Brewster for the past decade. “My rent now has gotten to the point where I’m paying someone else’s mortgage,” he said. “It doesn’t make sense if I keep paying rent. I’d rather own something I can pass on to my kids and we can customize and make our own.”

In August, Duarte was at the doorstep of making that dream a reality. He had an offer accepted on a home in Brewster which he finally moved into last month. “I’m thrilled,” he said. “I never thought in a million years I’d be able to afford a home in Brewster, but with the help of your homebuyer course and my agent it has been a painless process.

“I’ve talked to friends who have bought homes and their stress levels were through the roof because they didn’t know what to expect or what was going on,” he continued. “Every step of the process went as expected and I knew what was coming next.”

Click this link for information on HAC’s first-time homebuyer classes for next year.

Tags: Homebuyer Education, home ownership, HAC, Derick Duarte, Cheryl Kramer