Housing Assistance Corporation Blog

HAC Welcomes New Director of Education and Engagement

Posted by Chris Kazarian on Fri, Jun 29, 2018 @ 05:51 PM

 

Cheryl-2

In April, HAC welcomed Cheryl Codair to the agency, tapping her expertise to expand its financial literacy classes.

Codair was hired as HAC’s new director of education and engagement. She is responsible for managing the workshops offered through HAC’s Housing Consumer Education Center (HCEC) which includes Be a Successful Tenant; Community Resources; First-Time Homebuyer Education; HomeSafe Post Purchase Series; Housing Search; Money Matters; and Rebuilding Your Credit.

“I am delighted to be a part of HAC’s professional family,” said Codair, who lives in Orleans with her two daughters. “I wanted to work on a team with strong leadership and to serve our community in a meaningful way.”

She is particularly drawn to HAC’s housing-focused mission. “I do believe that living where you’re working builds a strong, vibrant community,” she said. “And it begins with affordable, year-round housing.”

Codair earned her bachelor of science degree in nursing from the University of Vermont. She comes to HAC with extensive experience in a variety of fields including health care, real estate, software, and education. Most recently, she served as the program director for the Cape Cod Institute.

Anne Van Vleck, HAC’s Chief Development Officer, said Codair has a unique skillset that will serve her well in this position. “We weren’t sure we could find somebody who could do all aspects of the job, from fundraising to sponsorships to relationship building with educational partners to program design and curriculum development,” she said. “Cheryl brought all of those skills to the table. She has a background in all of those areas.”

Among her duties, Codair will be responsible for overseeing an effort to make HAC’s educational offerings more accessible by holding them in other sections of Cape Cod and the Islands. Traditionally, those classes have been held at HAC’s Hyannis office at 460 West Main Street and at its family shelters.

Codair expressed excitement with her new role, especially as it will give clients attending HAC workshops the tools and resources to achieve housing stability and move towards self-sufficiency. “The core education piece is important to be able to set up your financial goals. Maybe it is just to get a better apartment or maybe it is to achieve homeownership,” she said. “It is having that stable place that a family needs to experience that next level of joy.”

To register or to learn more about HAC's financial literacy classes, click this link. To contact Cheryl, email her at ccodair@haconcapecod.org or call her at 508-771-5400, ext. 267.

Tags: Cheryl Codair, HCEC, financial literacy, housing consumer education, education, first-time homebuyer, First-Time Homebuyer workshop, self-sufficiency, Anne Van Vleck, Homebuyer Education

Lovely Eastham Condo

Posted by Chris Kazarian on Thu, Apr 12, 2018 @ 12:38 PM

 

70 Dory Front for use

This one-bedroom, one-bath Eastham condo at 70 Dory Lane is being offered at $154,399 with a deed restriction. Featuring 750-square feet of living space and a garage, it’s perfect for a first-time homebuyer on Cape Cod.

The $123 monthly condo fee covers snow removal and landscaping.

Eligible applicants must be first-time homebuyers, with some exceptions; have a household income at or below 80% of the Area Median Income (AMI) for Barnstable County; and have less than $75,000 in assets.

Click this link for an application. To see more affordable listings for sale, visit Cape Community Real Estate's website here.

Tags: first-time homebuyer, affordable homeownership, Cape Community Real Estate, real estate listings, Nonprofit Real Estate, Gael Kelleher, Betsie Rumbaugh, affordable housing, workforce housing, homeownership

Ideal East Falmouth Location

Posted by HAC Staff on Sun, Feb 18, 2018 @ 07:11 AM

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Enjoy first-floor living in this one-bedroom, one-bath condo at 110 Altons Lane, Unit 10B. The unit has recently been updated and includes a gas fireplace, hardwood floors, a new kitchen with granite countertops, and a stainless steel appliance package. 

This condo is centrally located, a short drive from Mashpee Commons, downtown Falmouth and nearby beaches. It is currently listed at $159,947, which comes with a deed restriction, and a condo fee of $360 per month.

Those interested must be first-time homebuyers, with some exceptions; earn at or below 80% of the Area Median Income (AMI) for Barnstable County; and have no more than $75,000 in household assets. Click this link to apply. 

Our real estate department, Cape Community Real Estate, has several additional affordable listings, from Mashpee to Wellfleet, which you can find by clicking here.

If you have questions about this or any other property, contact HAC Real Estate Assistant Betsie Rumbaugh at brumbaugh@haconcapecod.org or at 508-771-5400, ext. 285. 

Tags: real estate listings, Nonprofit Real Estate, Cape Community Real Estate, Falmouth, affordable homeownership, first-time homebuyer

Preparing Residents to Become Homeowners on Cape Cod

Posted by Chris Kazarian on Thu, Nov 02, 2017 @ 03:12 PM
Homebuyer17-3.jpgHAC Housing Counselor Karin Bar teaches a First-Time Homebuyer workshop in September. The classes are offered in four-day or two-day sessions as well as online for those unable to attend in person. 

On the last Thursday of September, 36 people sat quietly in the conference room at HAC’s office at 460 West Main Street in Hyannis.

Individually, they may have been different, but they all shared at least two similarities – they each rent a home or an apartment on Cape Cod. And they all hope to one day become a homeowner.

On this night, HAC Housing Counselor Karin Bar provided guidance on how they can achieve those dreams as part of the agency’s First-Time Homebuyer Workshop. HAC offers the class eight times a year; in 2016, 282 people, representing 196 households, took the class to prepare them for the home buying process.

“They are always full and in demand,” said Bar, who has been teaching the classes for the past three years.

There are a number of reasons people take the classes. Certain loan programs, including those offered by MassHousing, Fannie Mae, Massachusetts Housing Partnership, and the United States Department of Agriculture, require it.

“To get down payment assistance, it’s a requirement,” Bar added.

It’s also necessary for anyone who wants to purchase an affordable or deed-restricted home.

Homebuyer17-1.jpgJohn Hughes (left) of Falmouth and Ernesto Garcia of South Yarmouth review materials during a First-Time Homebuyer workshop held in October. 

Topics covered during the workshop include budgeting, credit, and loan programs available to homebuyers. Clients also have access to local experts, from Realtors to real estate attorneys to insurance agents to home inspectors, who walk students through each step one must take to fulfill the American dream.

“I think this program is a great tool for when you’re ready to buy a home,” said John Hughes of Falmouth, a financial specialist with the Mashpee Wampanoag Tribe’s Gaming Commission. He had originally taken the course in 2015 and was back for the course in September so he could maintain his certification to keep him eligible for loan programs aimed at first-time homebuyers.

As to why he wants to become a homeowner, he said, “for stability.”

Ernesto Garcia, who rents an apartment with his fiancée in South Yarmouth, is less sure about purchasing a home, but the classes helped clarify the process. “If you have any doubts, what they teach makes it clearer,” he said.

Wanting to become a homeowner is one of the biggest decisions people will make in their lives. HAC’s First-Time Homebuyer workshop is aimed at not only taking the stress out of the equation, but making it enjoyable for participants.

“This is like the maternity ward… This is fun. People are excited and thinking about buying a house,” Bar said of the workshop. “At the end of every class series, we have people fill out an evaluation form and there has never been anyone who says it wasn’t worth it.”

Register for HAC's First-Time Homebuyer Workshop

Those interested in signing up for a First-Time Homebuyer class can do so by clicking this link. HAC also offers a number of other financial literacy classes including Rebuilding Your Credit; Budgeting; Be a Successful Tenant; Community Resources; and Home Forever. Click here to see a full class listing offered by HAC.  

Tags: First-Time Homebuyer workshop, Karin Bar, homeownership, affordable homeownership, Homebuyer Education, first-time homebuyer, housing consumer education, HCEC

Affordable Condo in Mashpee

Posted by HAC Staff on Fri, Oct 06, 2017 @ 12:17 PM

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Call this 1-bedroom, 1-bath condominium yours for only $169,000. Located in a quaint, quiet neighborhood in Main Street Village, this condo is in a four-unit building on the upper level.

The condo, which comes with a resale restriction, has two deeded parking spaces, a detached garage, ample basement and closet space, and gas-forced hot water heat.

Eligible applicants must be first-time homebuyers. Incomes may not exceed 120% of the Area Median Income (AMI) for Barnstable County which is equivalent to $75,800 for a one-person household and $86,600 for a two-person household. Household assets must be less than $75,000.

Click here to download an application for this home. And click here to see more affordable homes for sale on Cape Cod. If you have questions about this or other homes, contact HAC Real Estate Assistant Betsie Rumbaugh at ccre@haconcapecod.org or 508-771-5400, ext. 285.

Tags: homeownership, Mashpee, Cape Community Real Estate, Betsie Rumbaugh, Affordable Housing on Cape Cod, affordable homeownership, first-time homebuyer