Monday, August 8, 2016

THDA Housing Production Rankings: Another Year, Another Success!

The Homebuyer Peer Education Institute (HBEI) wrapped up another successful year of training. This year, United Housing received the following recognition under THDA’s HBEI:

·       Fourth in the state: ‘Total ALL HBEI Rankings’
§  118 customers served and more than $13.5 million total loans funded

·       Third in the state: ‘Total Urban HBEI Rankings’
§  80 customers served and $8.2 million total loans funded

·       Ninth in the state: ‘Total Rural HBEI Rankings’
§  38 customers served and $5.3 million total loans funded



 This puts UHI in the top 7% for housing production in the state of Tennessee. Way to go, HBE Counselors, Dept. and trusty volunteers! And a big congrats to the clients, who make what we do worthwhile and help improve our city at the same time.


Wednesday, May 4, 2016

UHI + The Welcome Wagon


New Funder Spotlight: Thomas W. Briggs Foundation

In an age before Google, the Welcome Wagon must have been an encouraging sight. For those who have heard of the "Welcome Wagon," the work of the company behind new United Housing funder, the Thomas W. Briggs Foundation, might already be familiar. Started in Memphis in 1928, Welcome Wagon International began simply as The Welcome Wagon Company. By its peak the company provided "more than one million home visits per year welcoming new families to their communities and visiting others during special occasions" and hostesses gave new families baskets containing information about the community to which they had just moved, retail coupons and suggested civic organizations to join (The Thomas W. Briggs Foundation).


Welcome Wagon International was the company of Briggs; it had a national US presence, then later moved to Canada. The Thomas W. Briggs Foundation was founded in 1957 and funded in 1964 using proceeds from Briggs' trust. Today, the organization has a mission to "support[s] Memphis-area arts, civic, education, social service and youth organizations" (The Thomas W. Briggs Foundation). 

UHI is honored to be the foundation's latest grantee in the focus area of Social Services, and we welcome and thank The Thomas W. Briggs Foundation for their generous investment of $5000 in Homebuyer Education and Financial Counseling (HBE). This money will sustain the HBE program, enabling UHI to continue to serve an average of 900 families a year through one-on-one financial counseling and free Homebuyer Education workshops. Stay tuned for more on HBE, or go here to learn more now.

For more on The Thomas W. Briggs Foundation, visit their website here.




Monday, March 28, 2016

Homebuyer Education Coordinator Kendra Love Chosen for THDA Homebuyer Education Advisory Board!




A HUD-certified Homebuyer Education (HBE) counselor, Kendra Love has been working at UHI for seven years. Being the Homebuyer Education Coordinator entails one-on-one counseling and teaching dozens of students each month in two eight-hour HBE workshops. UHI is the leading housing counseling agency in Memphis and fourth in the state of Tennessee for production, according to Tennessee Housing Development Agency’s (THDA) Homebuyer Education Initiative Peer Session.  With UHI and Kendra having so much good experience teaching and working with HBE customers, it is no wonder that Kendra has recently been named to the THDA Homebuyer Education Advisory Board. The THDA  Homebuyer Education Advisory Board was formed as a committee to give housing and financial educators a channel from which to consult THDA in their efforts to support sustainable housing choices, and strong communities and neighborhoods in Tennessee.

In the past, Kendra has been involved with THDA through trainings and her attendance at Homebuyer Education Initiative Peer Review Sessions. Based on her knowledge of the housing education industry, combined with her dedication and commitment to the profession, Kendra was selected to represent UHI and West Tennessee. She will be an asset to the advisory board and help amplify the homebuyers' collective voice for the West Tennessee region. 

Kendra's duties as a board member will include working with other HBE providers and THDA organizations from all over the state of Tennessee. They will meet a minimum of three times per year, with their discussions focusing on housing education. It is the hope of THDA that the Board will "encourage partnerships and the free flow of ideas and recommendations on better ways to serve our THDA stakeholders and the residents of Tennessee," according to a THDA communication. 

We are honored to be at the table, but not surprised that Kendra is recognized for her excellent work, dedication, and commitment to Homebuyer Education! 


Monday, March 21, 2016

Inaugural Bankers Breakfast a Success!


Networking opportunities abounded for local bankers who were in attendance at our Inaugural Bankers Breakfast. 
AT UHI, we feel it is important to acknowledge folks for their contributions and passion for investing in our work. Recently, we had the chance to thank a group of Memphis businesses and business people who make a real impact on what we do: community-oriented bankers. You can see how great it went here. Our guests enjoyed a nice breakfast spread while Board Members Keith Turbett, Teresa Cheeks-Wilson, and Mike Fearnley--and founder and Executive Director Tim Bolding--shared a little about the impact United Housing has on economic development in Memphis.

We gave out ten awards; recipients included Landmark Community Bank, Paragon, Pinnacle, Community Mortgage, Iberia, Mortgage Investors Group, and Prime Lending. We also recognized an individual banker from Landmark--David May--for his extensive community development work. Our team saw it as an opportunity to give much-deserved recognition to this community for their hard work in Memphis. It was also a good time to let them know they can join UHI committees (any committee, not just Finance) and that they are likely to get to see their dollars at work on-the-ground in revitalized Memphis neighborhoods. And since UHI is founded on the principle that nonprofits should generate social enterprise-based fees-for-service, we also proudly plugged our current programs so that the next group of bankers can invest in them the next year.

All in all the Breakfast was a huge success, with people expressing interest in coming to do a site visit to learn more and to join committees. Here's to the start of something beautiful in 2016!


Thursday, February 25, 2016

To Rent or to Buy? Less of a Dilemma with New UHI Loan Package

That is the question. Turns out in Shelby County renting can be expensive compared to owning according to SmartAsset as reported by the Memphis Business Journal.

Key Points:

  • Shelby County is the 6th best place to buy in the state, according to SmartAsset and calculated using an average mortgage rate of 4.5%.
  • "The average monthly mortgage payment in Shelby County was $488 compared to an average monthly rental payment of $1,219."


Home for sale at Wolf River Bluffs
Owning a home in Shelby County pays off. Banks and mortgage lenders made 9,368 mortgages in Shelby County last year, up 11% from 2014 according to the Chandler Reports Review. Lenders United Housing works closely with, like Community Mortgage, Magna Bank (now Pinnacle), and Iberia Bank make up the bulk of the mortgages made last year.

While mortgage demand may be growing, there are still many families that are without access to a mortgage. Credit is still a major barrier for many Memphis families, as well as down payment necessary to close a conventional mortgage. After the 2008 crash, millions of families were pushed out of their homes and into rental situations. According to the Commercial Appeal, "about 137,000 metro-area residents are estimated to work two or more jobs, compared to an estimated 40,000 in 2007..." just to be able to afford rent. "Single parents, seniors and the disabled were among the hardest hit along with workers in the food-service industry," and to add to it, the affordable homes were bought in bulk by outside investors for flipping or for rental property - $1 billion worth of homes in Memphis suburbs since 2010, according to the CA.

United Housing offers financial education and counseling as well as a financial product that will help individuals make the leap into homeownership and out of a costly rental situation. Owning a home for less than rent is easier than you may think. Give us a call at 901-272-1122 to sign up for a Homebuyer Education class, credit counseling or for more information on the homes we have for sale at our Wolf River Bluffs subdivision at James Rd. and McLean Blvd. Tell a friend!

The homes are brand new and energy-efficient, with increased indoor air quality through EcoBUILD certification standards. The solar panels will give you an average of $30 savings in energy costs. You can be a homeowner in Shelby County and save money monthly!



Wednesday, January 27, 2016

Employee Spotlight: The Demo Diva and the Operation Home Program

United Housing employee Cherry Brooks, the self-proclaimed “Demo Diva,” has been sorting through houses by the fistful to find ways to alleviate blight in Memphis neighborhoods. Using the National Community Stabilization Trust (NCST) program called The ReClaim Project, distressed properties are donated to nonprofits that are willing and able to take some action on getting the homes either occupied or taken down.

Cherry Brooks, Demo Diva and Housing Support at United Housing

NCST is a nonprofit focused on accelerating neighborhood revitalization across the United States by collaborating with local community development corporations and national stakeholders. ReClaim focuses in markets with low-value, non-performing assets. Memphis is one of these left behind markets and continues to get hit by the housing crisis and economic recession. Property values are not increasing making it difficult for neighborhoods to bounce back.

“So many of these homes have to be knocked down, they are in such bad shape,” Brooks said sifting through piles of photos of homes with no doors, rotten structures, falling roofs, and water damage beyond repair. A vacant lot donated to the next door neighbors—often schools, churches, or homeowners—will help to maintain the lots and is one strategy for some of the homes.   “I drive around these neighborhoods, and look around. Find out if a school or church or store would want to maintain the lot, put in a garden or park. If I’m in Frayser I’ll recommend Frayser CDC for the property, especially if it can be saved and renovated,” Brooks says.

Not all of the homes need to be torn down. Some homes can be saved and repaired. “I just showed you the good ones,” Brooks said. The “good ones” can be donated to the neighborhood’s nonprofit community development corporation to be rehabbed and rented or sold to an individual or family. Brooks adds, “But most of them are just not worth the expense.”

Those rare property gems that are salvageable are ripe to become homes for veterans – the population NCST is focusing on getting housed. The donated properties can be “sold at a discount to qualified veterans or service members or made available as mortgage-free homeownership opportunities for disabled or very low-income veterans.”

United Housing is currently developing a new program called Operation Home in partnership with veteran organizations in Memphis like Catholic Charities' St. Sebastian Veteran Services  program, where they transition homeless veterans into stable housing. Operation Home has helped five veterans so far. The goal of Operation Home is to help 25 more veterans and their families become housed using NCST’s donated properties and ReClaim project. Properties that can be saved and renovated using energy-efficient, universal design, can provide accessibility standards for individuals in a wheelchair. Our goal is to supplement treatment plans from partner veteran organizations by providing a very crucial missing piece in the housing options and financial education of veterans in Memphis.

"I have 45 properties right now I am requesting through NCST," Brooks adds, "let's hope we can get some of these back in shape."


Thursday, January 14, 2016

Renewable Energy in Memphis


Solar panels at Wolf River Bluffs.

Local solar panel enthusiast, Fergus Nolan, has written a short piece on Facebook on United Housing's Wolf River Bluffs. 

If you roll northwards on McLean, you dead-end at James St in Frayser. Clustered around the intersection, there's an interesting project by United Housing, a non-profit which works with low-income housing. These houses are very cool, built to pretty good standards of insulation, with economical on-demand water heaters, and each has a set of eight solar panels on the garage roof.
The panels were made in Memphis by Sharp America, who have since stopped making solar panels in Memphis. The economics of the panels are attractive. The eight panels probably have a rating of just under 2000 watts, which means that, with an average of 6 hours of productive daylight, you'd expect to get something approaching 12 KWH (12 units on your utility bill) per day. This is worth about $1.20 off your bill per day, maybe an average of 35 bucks or so, and this is higher in the summer months when the AC is on. 
There are still some tax incentives, in the shape of a credit, for installations like this, and you may qualify for some installation grants also. If you get a TVA/MLGW grid tie, you might be able to sell the energy to the utility for a higher price.
To build an installation like this yourself, you'd need approximately $2000 worth of panels, a solar controller in the $500 to $800 range and an inverter, to convert the 24V DC to alternating current, like you get off the mains. A 2000 watt inverter might start around $400 to 500. Then there is a mess or wiring, connectors and mounts, and you will need to hire an electrician if you want to hook it up to the grid, or contact the utility and jump through their hoops.
A grid this size won't power your home, but every watt you generate is a pile of coal they don't get to buy from Duke and burn at the Allen Fossil Plant, and thirty-something bucks per month is better than a poke in the eye with a sharp stick.
Payback looks to be in the order of 10 years and the panels come with a 25 year guarantee. There are a few little perks, such as the 'parasol effect' where the panels block 20% or so of the sun's heat. Mostly, doing a starter installation like this puts you in a good place to add more. Prices for panels have been in a historical decline, and fossil fuel will inevitably go up, so, at some point, you'd expect to be able to build up your home solar farm at incrementally lower costs. And, if you carefully research all the available grants and tax incentives, you may be able to trim these costs significantly.
The van in the pics is my solar-powered freezer truck, also with 1 KW of Memphis-built solar panels. This is how I have avoided tangling with bureaucracy as it is an off-grid installation. For anyone who has mobile power needs, the fact that automotive energy is much more expensive than grid power, and much of the available devices are awfully fuel-inefficient, gives a much better ROI calculation. Payback on the solar part of the truck conversion was less than a year. Opportunities for renewable energy are all around us. There is plenty of low-hanging fruit for homeowners and business folk who need to make our energy investments go to the bottom line.
United Housing has shown the way. These are neat and efficient houses that look very livable, probably much better than these leaky old Midtown houses. BTW is you know any low-income folks, it looks like some of the houses are still for sale.


Mr. Nolan is a member of local Facebook Advocacy group, Midtown Sustainability Alliance. He operates a small business based here in Memphis.


Learn more about Wolf River Bluffs on our website.





Monday, January 4, 2016

Operation Home: A New Home for a New Year


Center: US Veteran Shiloh Reynolds and Stephanie Dancy with their infant son, Shiloh, Jr., surrounded by United Housing, Catholic Charities, and St. Sebastian staff who helped them become homeowners.

Special Note: This post is written in collaboration with Alan Butson, Program Director for St. Sebastian Veteran Services, and with interview with Wayne Horton, St. Sebastian Peer Support Navigator. Watch this blog for further information in the St. Sebastian Newsletter.

The holidays are always a time of hope and of giving. For some, it can be hard. But this holiday season, Shiloh Reynolds, a ten year, honorably discharged, veteran of the U.S. Army who served in Iraq during Operation Iraqi Freedom, has found hope in home. This New Year, UHI would like to formally welcome our newest homeowners, US Veteran Shiloh Reynolds, his partner, Stephanie Dancy, and their infant son, 8-month old Shiloh, Jr. They will close on their home in January 2016 but were able to move in early to be home for the holidays. 

Thanks to the combined work of folks here at UHI, and from Catholic Charities of West Tennessee (CCWTN) and Orange Mound Community Development Corporation (OMCDC)--matched with the determination of the young family—they are now in their very own home where they celebrated their baby’s first Christmas.

Reynolds reached out to Catholic Charities' St. Sebastian Veteran Services (SSVS) program for housing assistance for himself and his family, his son, and his partner Stephanie Dancy. After being homeless and living in an emergency shelter for over a week, Mr. Reynolds and Ms. Dancy worked diligently with their case manager – Deloris Little to find viable housing options in Shelby County.

In just over two months, Mr. Reynolds has gone from being literally homeless, to a recipient of a fully renovated home given away by United Housing Inc., a CCWTN partner. Reynolds and his family closed on their home just in time for the holidays. Working on financial planning with United Housing's Priscilla Reed, the Reynolds are ready for the responsibility of the taxes, insurance and upkeep of the home and in fifteen years it is theirs – free and clear!

Mr. Reynolds and his family are just one of the 196 Veteran households in Shelby County who have received services from the SSVS program over the past year, and one of the 368 new homeowners that have worked with United Housing this year. Shiloh gives back, by volunteering with Supportive Services for Veteran Families on Fridays to assist veterans who are receiving furniture donations.

United Housing has been helping people provide stable housing for their families since 1994. In that time, we have helped more than 4000 buy or keep their home. Over the recent holidays, we could not be happier to offer our programs and services to veterans such as Shiloh, and by becoming a UHI customer, he is the latest addition to this resilient, determined, and dedicated group. The New Year is bright and full of hope for this young family and their New Home for the New Year!

Thursday, December 31, 2015

Top 5 from 2015

The year 2016 is around the corner, making it the perfect time to look back on the milestones and successes that made 2015 a wonderful year for United Housing and our customers. These blog posts--in no particular order--represent some of the areas we will build upon next year.
Happy New Year!

  1. Nadia Aguirre joined our staff and we will now have increased outreach capabilities for Spanish speakers.
  2. Priscilla Reid became Lending Manager, ushering in a new direction towards lending in-house. She is pictured in the blog post with Sarah Williams, who took out the first Home RePAIR loan done completely in-house and funded by United Housing. 
  3. United Housing & St. Therese teamed up to provide a home for women. More on St. Therese here.
  4. UHI partnered with the folks at the Shelby County Trustee's office to bring the Neighbor to Neighbor fair to Frayser.
  5. We became one of the first Memphis organizations to team up with ioby, a crowdfunding platform that focuses on community development-related projects. Thanks to matching funds, our ioby campaign successfully raised over $3000! More on ioby in Memphis here.
We hope you have enjoyed taking a look back with us through some of our most exciting and memorable stories of 2015. Each story here represents new hope for the people involved, as they proactively work to secure a stable home for themselves and their families. These and others are the kind of stories you can see when you join us in 2016. Happy New Year to you and yours! 



Tuesday, December 1, 2015

Homebuyer Profiles: Dionna Pruitt

Make a difference by giving to UHI this Giving Tuesday!

In Fiscal Years 2014 & 2015, UHI helped over 750 individuals and families become homeowners. Here is a story of one family who became homeowners during our administration of the Memphis Shelby County Helping Homebuyers Program:

Dionna Pruitt was already planning to buy the home she was leasing when her Loan Officer from Community Mortgage called her one afternoon; she felt the new downpayment assistance program, Memphis-Shelby County Helping Homebuyers Program (MSCHHP) would be perfect for Dionna. MSCHHP--a $15,000 down payment assistance loan--is forgivable after five years of residence. Dionna was then able to take the Homebuyer Education class at United Housing with Homebuyer Educator Kendra Love; she found the course to be “very informational” and enjoyable due to its discussion-based format.

Of her homebuying experience with MSCHHP, Pruitt says that the program “gave me the opportunity to start over and move forward quickly” with her four children after her divorce. She already knew her neighbors from living in the neighborhood for two years before purchasing the home in Southeast Memphis. The house is a perfect home for her and her three youngest children, with one son off at college and only coming home for visits. Dionna is very happy with the MSCHHP program and enjoys her “new” neighborhood; she takes part in neighborhood activities as a member of the neighborhood association.

 Give today and help more homeowners like the Pruitts!


Monday, November 16, 2015

What is Giving Tuesday?



On Tuesday, December 1, United Housing is participating in #GivingTuesday, a global day dedicated to giving. 

Last year, more than 30,000 organizations in 68 countries came together to celebrate #GivingTuesday. Since its founding in 2012, #GivingTuesday has inspired giving around the world, resulting in greater donations, volunteer hours and activities that bring about real change in communities. We invite you to join the movement this December.



Why give to UHI?

Through our services, more than 300 people have become successful homeowners per year, leading to more stable homes and neighborhoods. You might already know that United Housing increases access to homeownership, helping more individuals become homeowners. But did you know how that affects our city, making Memphis and the Mid-South a better place?

Your dollars will go further with UHI.
Investment leverages private capital. UHI leverages your dollar $500 to $1 through stimulating the economy via real estate and the lending market.

UHI builds and rehabs housing for other nonprofits, including SRVS and Meritan, who provide medical residential housing to seniors and people living with disabilities.
UHI has provided more than 60 individuals with disabilities a safe, accessible place to live through partnerships with SRVS and Meritan, Inc. – mostly through accessible construction – like wheelchair ramps, accessible bathrooms, and entrance and exits.

UHI strengthens Memphis neighborhoods.
We are a stabilizing force in the local economy – we’ve been here for more than 20 years, helping more than 4,000 families save or buy a home. Our organization has had a $400 million impact on Memphis and Mid-South.

UHI is focusing on US Veterans.
Recently, United Housing helped five veterans have a safe and affordable place to live through Operation Home. Help us assist more veterans and give to UHI today!

Where Should I Give?

You can give to UHI by visiting http://www.uhinc.org/home-24/2012-10-31-17-32-37. #GivingTuesday is held annually after Thanksgiving (in the U.S.) and the widely recognized shopping events Black Friday and Cyber Monday. The day helps kick off the holiday giving season and inspires people to collaborate in improving their local communities and to give back in impactful ways to the charities and causes they support. Also, qualifying employees can have their employers match their giving! Check back on our pages after November 17 to see if your employer will match.

Those who are interested in joining United Housing’s #GivingTuesday initiative can visit

For more details about the #GivingTuesday movement, visit the UHI page on #GivingTuesday website (www.givingtuesday.org), Facebook page (https://www.facebook.com/GivingTuesday) or follow @GivingTuesand the #GivingTuesday hashtag on Twitter.


Monday, October 19, 2015

Meet Nadia Aguirre, Assistant Loan Processor


At United Housing, we make choices that leverage resources, allowing us to serve more people in the area of homeownership. With our lending department’s expansion and additional focus on identifying and assisting Spanish-speaking homeowners and clients, we were able to hire a loan processor who is fluent in Spanish. United Housing is pleased to add Nadia Aguirre to the lending department as assistant loan processor. Nadia is bilingual in English and Spanish, which will allow our organization to reach a wider range of individuals in our city.



“We’re excited about the future of our expanding lending department and United Housing as a whole,” said Executive Director Tim Bolding. “Nadia’s extensive background in the lending industry makes her a valuable asset to our team, and our ability to provide bilingual assistance to our clients is a huge advancement for United Housing.”

Nadia at our booth during the 2015 Frayser Fall Festival

Nadia’s experience in the field makes her an instant asset and fit for United Housing. For eight years, she was a financial counselor with Financial Counselors of America, where she served as a bilingual specialist and assisted with credit repair consolidation budgeting, mortgage modification, homebuyer education (HBE) debt management and drafted proposals for the Hardest Hit Fund.

A native of Mexico, Nadia attended the Chihuahua Institute of Technology in Chihuahua, Mexico, and Colegio Centro Cristiano in Santa Ana, El Salvador. Additionally, she is certified by NeighborWorks America in foreclosure prevention, HBE intervention and credit management. 

In her role as assistant loan processor with United Housing, Nadia is responsible for helping both English- and Spanish-speaking individuals throughout the loan approval process, which includes collecting and verifying applicant information, interviewing individuals who need assistance with loans and preparing loan documents.

“I’m very excited and happy to join such a great organization and environment,” said Nadia. “I look forward to assisting people of all backgrounds who have lending needs.”

We are thrilled to have Nadia join our team, and know her addition will greatly benefit customers both now and in the future. Check out the People on the Move highlight in the Memphis Business Journal for more on her new role. For more information on how we can help, call (901) 272-1122 or visit http://bit.ly/14F0Fx0.


Friday, October 9, 2015

Priscilla Reed Embraces New Role with United Housing

As the Lending Department at United Housing continues to expand, we're pleased to announce that Priscilla Reed has accepted a new position as Lending Manager. Previously, Priscilla served as our Special Projects Coordinator, assisting clients in foreclosure prevention and financial literacy. 

A former underwriter with experience in the private sector, Priscilla relishes the opportunity to work one-on-one with people who are dedicated to repairing their homes. She also holds certification from NeighborWorks America as a financial capability counselor, reflecting on her tremendous client-focused coaching skills. 

Sarah Williams (front left) signs her Home RePAIR loan with Priscilla Reed (right). This was the first Home RePAIR loan done completely in-house and funded by United Housing. 



"I'm excited to have the opportunity to teach more people about the benefits of financial planning," said Priscilla. "It's our goal to bring a high level of financial literacy and planning to a wider audience. The strategy includes outreach and marketing, so that more people in Memphis and the Mid-South will know what they can do through United Housing."

Priscilla's first order of business as Lending Manager is administering Home RePAIR, an in-house home loan program. Qualifying clients can take out a 1.5% loan of up to $15,000 to cover the span of 10 years in order to upgrade their homes. RePAIR lending is an important part of United Housing's strategy to help people who may not otherwise have access to financial professionals. Learn about UHI client Preston Gilliam's experience with the RePAIR program here: http://bit.ly/1RbIJ04. 

With the addition of the Lending Department, United Housing now offers three major areas of financial improvement for clients: homebuyer education, foreclosure mitigation counseling and lending through Home RePAIR. As our staff evolves, we will better reflect our focus on lending to enable us to assist more people. Because of this, more people will have access to loans to repair their homes, which in turn will make neighborhoods and communities stronger and more stable. 

Please join us in congratulating Priscilla on her new role! The Memphis Business Journal highlighted her in a recent People on the Move feature. She is ready and eager to help you with your lending needs. For more information on how we can help, call (901) 272-1122 or visit http://bit.ly/14F0Fx0.

Monday, October 5, 2015

Lukas Alfen Making a Mark in Memphis

This past summer, United Housing hosted Lukas Alfen, an eighth grade Science teacher at Woodstock Middle School through Teach for America - Memphis, as an intern. During his internship, Lukas helped develop a process for getting financial education to teachers through financial literacy tools that are used across the country. These tools help teachers share with their students how to mitigate bad spending habits and bad credit scores through financial education at an early age. 

In honor of today being World Teacher's Day, we caught up with Lukas to hear about his teaching journey and investment in the community. 



How long have you been teaching at this school?
I am in my second year at Woodstock Middle School as part of my two-year service commitment for Teach for America. Prior to beginning at Woodstock, I taught summer school at Memphis Business Academy in Frayser. 
 
What led you to the Teach for America program?
I joined the program because of my work as a teaching assistant during my undergraduate studies at Syracuse University. While there, I saw the impact a dedicated teacher can have on mindset and achievement of their students. I noticed how the strong relationships built in school helped facilitate success for students outside the classroom walls. I also felt that Teach For America would give me the opportunity to experience life in a unique part of the country, different from the Northeast.

What is the best part about teaching? Most challenging?
The best part about teaching is getting to know my students. Having conversations and hearing their opinions gives me a clearer perspective on not only myself, but my goal here in Memphis as well. Each student is so full of potential that I need to ensure I am intentional in directing their energy in ways that will prepare them for success in grade school and beyond.

The most challenging part about teaching for me is finding the time to accomplish all of the goals I have for my classroom. There are only so many hours in a day to teach students, prepare lessons, measure data and support extracurricular activities, that finding any down time is almost impossible.

Have you been able to use what you learned at United Housing this summer in your classroom this fall?
Working at United Housing has helped me better understand Memphis as a city and a community. The need to drastically improve the financial literacy skills of children in Memphis quickly became apparent. Because of this, I have committed myself to teaching the importance of learning financial education and money management skills early on to help open up opportunities in adulthood.

What inspires you to give back to your community?
My students inspire me each and every day. The teachable moments I have with them make all the work worthwhile. Going into a profession for the money was never something I wanted to do, as I would rather make a career in which my value would be measured in the impact I had on others.

Monday, September 28, 2015

Family takes advantage of United Housing's Home RePAIR program

After hearing about United Housing's Home RePAIR program on The Bev Johnson Show on 1070 WDIA, Preston and Barbara Gilliam knew right away it was exactly what they needed. The couple quickly contacted United Housing for an application, and within days they were notified of approval of the 1.5% loan to help repair damages to their home's roof and ceiling.

"We could not be happier about the work performed on our home," said Preston. "Mr. William Hampton and his Network Construction organization went above and beyond; the workers were courteous, respectful and did a wonderful job."

Preston and Barbara Gilliam - guests on The Bev Johnson Show on 1070 WDIA.
Many people need home repairs, but don't know who to call, which is why the Gilliams took the opportunity to be guests on The Bev Johnson Show's "Ask the Expert" segment. They wanted to share with others how smooth and organized the process was for them, so that others, who may not necessarily have cash on hand, can still upgrade their homes. In addition to visiting the studio to show gratitude to Bev Johnson for airing this helpful information, the Gilliams also wrote a thank you letter to United Housing. 

"We want to thank United Housing for having this loan program and taking us through the process," they wrote. "From start to finish, every step of the process was handled in a professional manner, and we are very pleased with the outcome."

United Housing's program and services ensure quality repair work and good inspections in order to keep people's homes maintained and in good condition. 

"Receiving the thank you letter was a treat for our staff," said Tim Bolding, Executive Director of United Housing. "Through our work, we can help provide real solutions to housing problems and help customers live in safe and healthy homes. If we can get more people's homes repaired, then neighborhoods will continue to be positively impacted."

For more information on how we can help fix your housing needs, call (901) 272-1122 or visit our website.
 

Tuesday, September 8, 2015

September is National Mortgage Professional Month

When The Community of St. Therese of Lisieux reached out to United Housing in need of a space for women to rebuild their lives after being on the streets, Landmark Community Bank helped make this happen and three women are now living in a safe home in Memphis. We'd like to highlight one mortgage professional in particular who played an important role in this project. 


Landmark Community Bank Senior Vice President Bryan Jones says the bank selects opportunities to support local nonprofits each year. With this project specifically, Jones provided a low-cost loan through a state-level community reinvestment program, titled the Community Investment Tax Credit Program. 

"This initiative has such a direct impact on Memphians who desperately need the help and want to get back into society," Jones said. "We're blessed to have organizations like United Housing and the Lisieux Community in our midst, and Landmark Bank was honored to play a small role in connecting the dots and offering the financing that provided a stable home."

The house has a capacity for five women to participate in a two-year program. Everyone involved has felt the impact, and two of the community participants are starting at Southwest Community College. Thank you to Landmark Community Bank, and to Bryan Jones for positively influencing the lives of others through your work as a mortgage professional. 

United Guaranty, a mortgage insurance company headquartered in Greensboro, N.C., has designated September as National Mortgage Professional Month. Submitted in July 2015, The Registrar at National Day Calendar officially declared it soon after. The goal of this month is to honor all of the mortgage professionals who play a role in helping people finance the dream of homeownership.