Sponsored by the Catholic Parishes in Waterloo
in cooperation with Iowa Heartland Habitat for Humanity
Saturday, April, 2009
8:30am-3:00pm • Includes lunch
(Work any part of the day that works for you)
The Catholic Parishes in Waterloo work with Iowa Heartland Habitat for Humanity to build new homes with needy families in our community. We need men ... women ... young adults ... seniors ... anyone willing to spend a day or part of a day helping needy families construct or finish a new home.
You don't need experience, expertise or equipment ... Habitat for Humanity supplies everything. All you need is a willingness to share your time and talent with others.
...on the second Saturday of every month
(8:30am to 3:00pm • Includes lunch)
...on Tuesdays during the week
(8:30am to 3:00pm)
Contact the Habitat Coordinator in your parish:
Blessed Sacrament Parish Queen of Peace Parish
Mike Schreck Ken Foss
Sacred Heart Parish St. Edward Parish
Dave Cushing John Baker
Habitat for Humanity is a nonprofit, ecumenical Christian housing organization which is dedicated to building simple, decent, affordable housing in partnership with people in need.
Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need. Habitat has built more than 280,000 houses around the world, providing more than 1,000,000 people in more than 3,000 communities with safe, decent, affordable shelter. Habitat for Humanity International was founded in 1976 by Millard Fuller along with his wife Linda.
Iowa Heartland Habitat for Humanity has been building or rehabbing homes since 1990, building in our designated service area of Black Hawk and Bremer Counties. We currently have mortgage assets of more than $2 million.
Our five-year Strategic Plan is to consistently build ten homes per year by 2009 and to serve close to 100 families. A Board of Directors of twelve or more local community volunteers meets regularly to oversee the governance of the organization. Currently five paid staff work to manage the operations and the 7 – 10 volunteer program teams that are actively involved with the local mission of Habitat for Humanity.
Through volunteer labor from local individuals, crews and partner families; generous donations of money and materials from local individuals, churches, businesses and organizations; and the monthly mortgage payments from Habitat homes; Habitat for Humanity builds new homes on vacant lots and rehabilitates older homes into simple, affordable homes for qualified Habitat families. The homes are sold to the families with a zero interest mortgage (no profit to the Habitat for Humanity affiliate) that is no more than 30 percent of their annual income. A Second Mortgage on the home insures that the family will not sell the home for a profit or immediately secure a home equity loan on their new home.
Iowa Heartland Habitat for Humanity is the bank, receives the mortgage payments and keeps record of principal and escrow accounts for each of the mortgages. Currently, Iowa Heartland Habitat for Humanity homes are costing on average $65 - $78,000 depending on the number of bedrooms the family needs and the cost of materials. Habitat families pay for their homes and must work at least 300 "sweat equity" hours on helping to build their own homes and on other Habitat projects. Families must also complete classes in financial and budget training, in home ownership and in being a good neighbor. The time from application to move in is about 18 to 24 months.
Habitat for Humanity is unique because families are pre-approved for Habitat housing. Families fill out an application and a volunteer Family Selection Team qualifies the homeowners based on: