Individual retirement account distributions
Don’t need your retirement savings as much as you once thought? Find out how a qualified charitable distribution from your IRA can benefit you and support Habitat at the same time.
Don’t need your retirement savings as much as you once thought? Find out how a qualified charitable distribution from your IRA can benefit you and support Habitat at the same time.
With support from the Hilti Foundation, Habitat for Humanity’s Terwilliger Center for Innovation in Shelter is working to expand low-income families’ access to innovative housing products, services and financing through market-based solutions.
An estimated 1.6 billion people are living in inadequate shelter globally – a crisis that has been exacerbated by a lack of attention to, and investment in, informal housing markets. With support from the Hilti Foundation, Habitat for Humanity’s Terwilliger Center for Innovation in Shelter is working to expand low-income families’ access to innovative housing products, services and financing through market-based solutions.
Since 2017, the Terwilliger Center has helped millions of people access improved housing solutions. These are families like Ed and Gina in the Philippines, who used the little money they had to hire an informally trained mason and selected inexpensive, ineffective materials. Ed and Gina made improvements to their home bit by bit — save a little, build a little – and after many years they had a place to call their own. But when Super Typhoon Odette struck, their home was significantly damaged. Now, with support from the Terwilliger Center, they are building back stronger than ever equipped with more knowledge and better materials, like EcoBricks produced by Green Antz.
The lack of affordable housing across the U.S. continues to threaten the livelihoods of essential workers. Habitat for Humanity Roaring Fork Valley and partners created Basalt Vista, a sustainable housing development to help 27 families stay and continue serving the community.
As an eighth-grade social studies teacher at Aspen Middle School, Lyssa loves her job. “I’m a teacher through and through,” she says. Lyssa has lived and worked in the Colorado mountain community for more than a decade and never wanted to change her career. Faced with exorbitant housing and rental prices in the Roaring Fork Valley, however, she felt that staying there seemed impossible.
Lyssa had to consider what was manageable for her and her husband, Jeremy, and their two children, 6-year-old Arlo and 4-year-old Willa. And it wasn’t just their family facing the prospect of leaving. Lyssa saw firsthand that a dire lack of affordable housing in the valley was the driving force behind the school district’s challenge to recruit and retain teachers. “It’s impossible to find any housing on a teacher salary,” Lyssa says. “Our valley loses a lot of teachers because of housing.”
Lyssa loves her job as a middle school teacher.
Lyssa hated the choice she faced: change her career or move to a more affordable area. Her young family lived in a two-bedroom rental apartment that was owned by the Aspen School District and offered to teachers at subsidized rents for up to five years. Their lease was soon ending, and their family was already outgrowing the small space.
If they moved away, they’d not only have to restart their lives, but they’d be leaving two critical jobs vacant. Jeremy works as an information technology professional for the Pitkin County government. Lyssa says county workers, much like teachers, are experiencing a “mass exodus” due to housing unaffordability.
Lyssa and Jeremy feared they would need to leave the valley until they heard about Habitat for Humanity Roaring Fork Valley’s new Basalt Vista neighborhood, a 27-home community devoted to bringing affordable homeownership opportunities to schoolteachers and county workers. Lyssa and Jeremy, who qualified for the program through Jeremy’s Pitkin County job, perfectly fit the bill. In September 2020, the couple moved into Basalt Vista and exhaled with relief that they would be staying in the Roaring Fork Valley.
Habitat had forged key local partnerships to create the multifamily development. The Roaring Fork School District donated an estimated $3 million of land, and Pitkin County gave $4 million to go toward building costs. The partnerships opened doors for Habitat, the school district and the county to design a neighborhood where county workers and in-district teachers could thrive in the same community where they work.
Local companies Holy Cross Energy and Community Office for Resource Efficiency also made critical contributions to ensure the community was built with energy efficiency top of mind. The net-zero homes are equipped with solar panels, Energy Star appliances, electric vehicle charging stations, and an air-source heat pump which can efficiently heat or cool the house, says Gail Schwartz, Habitat Roaring Fork Valley president. As a result of these features, homeowners spend as little as US$14 a month on their electric bills.
Basalt Vista is set at the foothills of a beautiful, imposing mountain lined with biking and hiking trails. Across the street from the community sits Basalt High School, which makes for a quick commute for some of the teachers living in the new neighborhood.
All 27 of Basalt Vista’s homes include a teacher or county worker in residence, creating a cheerful, energetic neighborhood that allows critical workers to live close to where they work and fosters togetherness. Arlo and Willa love playing outside with friends after school.
“It’s a little community of teachers and county workers that are very grateful to be there,” says Katie, a Spanish teacher at nearby Basalt Elementary School. The three-minute drive to Katie’s school beats the hourlong commute along treacherous roads that she endured before moving to Basalt Vista. Beyond saving time and money on gas, she says living near her school allows her to feel “more rooted in the community.”
Katie moved to Basalt Vista in February 2022 after 14 years of bouncing between different rentals in the area. Though affordable homeownership seemed elusive to the longtime teacher, she never wavered on her decision to teach. “Kids are way too important to me,” she says.
Katie enters her new, affordable home in Basalt, CO.
An absence of affordable housing across the U.S. continues to threaten the livelihoods of essential workers like Lyssa and Jeremy and Katie. Through Basalt Vista, Habitat Roaring Fork Valley and partners have created a housing solution to help 27 families stay in the area and continue serving the community.
Katie often stands on her porch and reflects on becoming a homeowner. “My home is very important. It’s my sanctuary,” Katie says. “What does this house mean for me? It changed my life.”
Neil and Erica — one of 21 families to build their homes alongside volunteers at the 36th Jimmy & Rosalynn Carter Work Project — share how three years of homeownership changed their family. “My kids are going to have a home that’s their home for as long as we want,” Erica says.
After Hurricane Maria devastated Puerto Rico in 2017, Antero and Luz worked to repair their damaged home the best they could, even patching their own roof. Now, with the support of Habitat and AbbVie, they have a safe and secure home where their family can gather again.
Antero and his wife, Luz, moved into their home in the Adjuntas municipality of Puerto Rico nearly 30 years ago. Together, they shared countless memories under its roof and raised their three children inside its walls. But when Hurricane Maria barreled across the island in 2017, the couple’s treasured family home was almost destroyed.
“The building was standing. Thank God,” says 62-year-old Antero, in his native Spanish, as he recalls inspecting his home after the hurricane. “Later, I continued checking and searching, and I noticed the severe damage to the interior. And the roof was so weakened it could no longer withstand even a breeze.”
Antero and his family worked to secure the home as best they could, despite having to spend the six months following the storm without electricity or water. Their kitchen cabinets had gotten wet and began attracting moths. Antero, a wood artisan by trade, tried tying down the metal sheeting on the roof with cables to keep the rain out. It didn’t work for long. “I was working, but financially I wasn’t very well. There were days without work, the pay was meager, and buying materials was very difficult,” he says.
After the storm, communication was challenging, especially in rural areas, like Antero and Luz’s neighborhood in Adjuntas. Vans with loudspeakers drove through severely damaged areas sharing information about Habitat’s home repair program.
The couple believed Habitat could be the answer to their prayers and applied. Sixty-four-year-old Luz says she felt like, “the happiest woman in the world,” when she heard they’d been approved. When the repairs took place, it had been more than three years since the couple’s home was damaged by the storm.
“We no longer have leaks. When I saw how the house was and seeing it now, it’s like a load that has been taken off. We even enjoy downpours now because we know we’ll stay warm and dry.”— Antero, homeowner who partnered with Habitat Puerto Rico to make repairs to his home
Five years ago, AbbVie, a research-based global biopharmaceutical company that has operated on the island for nearly 50 years, donated $50 million to Habitat to help families and communities recover from the devastation of hurricanes Irma and Maria in 2017 and strengthen access to housing in Puerto Rico. With AbbVie’s support, Habitat has partnered directly with hurricane-affected families, like Antero and Luz, to address their shelter needs. Besides home repair work, Habitat’s holistic program also supports workforce development, securing land tenure and fostering long-term improvement to shelter and land resilience issues.
During their repairs, Antero and Luz’s home received a new roof and kitchen cabinetry, waterproofing of the concrete roof, replacement of an aluminum door and interior wood doors, general electric work, and repair of their balcony and stairs as well as interior and exterior paint. Antero also used his skills as an artisan to help personalize some of the repairs, including purchasing and installing trim for the windows, and he installed a new gas stove.
“We live more confidently now,” says Antero. “We no longer have leaks. When I saw how the house was and seeing it now, it’s like a load that has been taken off. We even enjoy downpours now because we know we’ll stay warm and dry.”
The couple loves being able to have family over again and looks forward to spending many more joyous occasions with their children and two grandchildren. “Home is happiness,” Antero says.
Join an upcoming live webinar to learn more about the Habitat AmeriCorps program and how to apply.