Massachusetts Affordable Housing Alliance Inc
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1 Massachusetts Affordable Housing Alliance Inc General Information 1803 Dorchester Avenue Dorchester, MA (617) Website Organization Contact Thomas Callahan Year of Incorporation
2 Statements & Search Criteria Mission Statement Massachusetts Affordable Housing Alliance (MAHA) educates and mobilizes individuals and communities across Massachusetts to break down barriers to affordable and sustainable homeownership. Background Statement MAHA was formed in the fall of 1985 to work for solutions to the problem of rapidly increasing housing costs across the state, through both community organizing and community education programs. In 1987, MAHA began its first efforts to organize a Home Buyers Union (HBU) -- a grassroots group made up of urban low and moderate-income (LMI) tenants who wanted to become first-time home buyers. One of our first campaigns was in response to the 1989 Federal Reserve Bank of Boston study that documented racial disparities in mortgage lending. The two-year long community campaign resulted in a below-market, affordable mortgage program for low and moderate-income first-time buyers, now known as the ONE Mortgage (formerly SoftSecond). This same campaign, led by MAHA together with the Community Investment Coalition, resulted in the formation of the Massachusetts Housing Investment Corporation (MHIC), Massachusetts Community and Banking Council (MCBC), nine new bank branches and 40 new ATMs in low and moderate-income neighborhoods, and the creation of a low-cost Basic Banking program. MAHA's affordable mortgage campaign sought to reverse almost two decades of disinvestment in such Boston neighborhoods as Dorchester, Mattapan and Roxbury. Today, the ONE Mortgage program remains the state's most affordable mortgage product. It has made it possible for more than 20,000 lower income families to buy their first home in Massachusetts. And the program has made an impact on racial disparities in mortgage lending. Since 2004, fifty-one percent of ONE/SoftSecond borrowers have been persons of color. From 2000 to 2007 during the height of the sub-prime lending crisis, MAHA led another landmark campaign, one that resulted in the passage of first-in-the-nation community reinvestment requirements for independent mortgage companies. MAHA also worked closely with the Massachusetts Association of Community Development Corporations (MACDC) in the late 1990s to pass legislation that resulted in disclosure from property and casualty insurance companies and a mandated community investment fund from both life and property and casualty insurers. And in 2016 MAHA led the formation of for a Better Boston, a broad-based coalition of nonprofit organizations that organized a successful referendum campaign with 74% of Boston voters saying yes to the Community Preservation Act. CPA funds will mean $20 million each year in Boston for affordable housing, parks, and historic preservation. 2
3 Impact Statement Accomplishments Reached agreement with Santander for $265 million in ONE Mortgage lending over the next five years Reached agreement with One United Bank, the nation's largest Black-owned bank, to join the ONE Mortgage program Graduated 2,033 people from pre- and post-purchase classes throughout the state in FY17 Staffed the continuation of the for a Better Boston effort to ensure equity and transparency as Boston implements the Community Preservation Act including hosting the first citywide forum in Franklin Park to discuss community representation on the Community Preservation Committee Reached more than 3,000 voters in Boston municipal elections to received pledges to vote. Since 2003, our pledged voters turn out at a rate 20 percentage points higher than city-wide turnouts. Goals Negotiate with public officials and developers for higher percentages of affordable homes in Dorchester and other neighborhoods Ensure "lion's share" of Boston CPA funds is used to address affordable housing and city provides comprehensive reports on how the money is spent including a focus on underserved neighborhoods Expand commitments to the ONE Mortgage program Graduate more than 2,000 homebuyers and homeowners across the state Activate more than 1,500 residents to take action on an issue priority Establish new MAHA Homes real estate venture as earned income strategy Needs Statement MAHA has steadily increased its visibility throughout eastern Massachusetts graduating homebuyers from 211 different communities in the past two years and working with activists in both urban and suburban settings across the region. But it is a big region (population of over 4 million) and we need resources to better reach low and moderate income people through partnerships and increased outreach. Sponsor a homebuyer class for $2,500. Sponsor a homebuyer for $250. Sponsor a Get Out The Vote effort for $10,000. Support a community organizer for one year for $60,000. For one month at $5,000. Help make our homeownership classroom truly interactive with smart boards and instant feedback remotes for $25,000. Volunteer at our 10th annual Taste of Dorchester (April 26, 2018). 3
4 CEO/Executive Director Statement Homeownership remains the centerpiece of the American Dream and, in Massachusetts, MAHA has been the keeper of the flame for low and moderate income residents and households of color. No organization in Massachusetts in the last 32 years has done more to break down barriers to affordable and sustainable homeownership. Our model of education and organizing is unique and has worked to empower local residents and engage financial institutions in the economic vitality of lower income neighborhoods for nearly 30 years. We have challenged AND partnered with banks, insurers, and mortgage companies. We will continue to lead the non-profit community on issues of community reinvestment across the Commonwealth. We are proud that the mortgage program negotiated by MAHA members in 1989 is still around and has made a successful transition in this post-mortgage lending crisis world. The program has been adapted - two mortgages are now one - but the focus on affordability remains the same. We also remain committed to closing the disturbingly large racial homeownership gap in our state. Massachusetts ranks 49th in the gap between our white homeownership rate (69%) and our combined rate for Black, Latino, and Asian households (31%). The ONE Mortgage program is the only significant mortgage program in Massachusetts that is closing that gap. And MAHA remains committed to engaging more lenders and reaching more underserved borrowers in the coming years. Board Chair Statement In 2004, I bought my home in Brockton thanks to MAHA and its mortgage program. It was a dream come true and made me want to give back and help others achieve that same dream. I started volunteering with MAHA and joined the board in 2007 and was elected president in December Homeownership is personal. Growing up in Barbados, I watched and lived through the horror of losing our family home due to my father's gambling problem. He literally gambled our house away. I vowed that someday, I would buy my own home and after moving to Boston, going to school and getting a good job and finding MAHA, I was able to do just that. What came after was a surprise. My oldest daughter was able to use the same mortgage program that I did to buy her own home with her husband and two children just a few years later. She accomplished this in her 20's, years earlier than I was able to but she credits my example as a prime motivator for her. It is great to watch my grandsons grow up in a home of their own - and they so enjoy visiting "Nan" and running around my home. -Esther Maycock-Thorne Service Categories Alliances & Advocacy Voter Education/ Registration Citizen Participation Geographic Areas Served 4
5 Our Homebuyers Union (HBU) targets Boston residents, particularly those in Roxbury, Dorchester, Mattapan and Hyde Park. The Homeownership Action Network (HAN) works with homeownership agencies across Massachusetts and their first-time homebuyer class graduates. MAHA's homeownership education programs serve people from 221 different zip codes within the 495 belt in the Metro Boston, Northeast, Southeast and MetroWest regions. Please review online profile for full list of selected areas served. 5
6 Programs Homebuyer and Homeowner Education and Counseling Description MAHA's "Homeownership University" features three courses: Introduction to Homebuying; Homeowner 201; and Condo owner 202. We also provide one-on-one pre-purchase counseling and foreclosure prevention services for ONE/SoftSecond homeowners. Introduction to Homebuying is a comprehensive 12-hour class that has presentations from a lender, home inspector, real estate agent, insurance agent, and attorney. MAHA has graduated 14,861 people from 480 classes since Our post-purchase classes, launched in 1996, are unique in the industry and include presentations on budgeting, understanding your home, landlord/tenant issues, and crime and fire safety. MAHA has negotiated HomeSafe discounts for graduates from ten leading property insurance companies including Liberty Mutual, Travelers, MetLife, Arbella, Safety and others. Since 1996, we have graduated 11,181 people from 571 classes. Budget Category Population Served Program Short Term Success Housing, General/Other Housing Counseling Adults, Families, Minorities In 2018, we expect to graduate 2,000 people from our Homeownership University classes with 850 graduates from our Introduction to Homebuying class. At least 25% of these prepurchase graduates will buy a home within 12 months of graduation and will have lower rates of delinquency and foreclosure than the average Massachusetts homeowner. Our post-purchase grads will access homeowners insurance discounts and will have lower insurance loss ratios than Massachusetts homeowners as a whole. Program Long term Success Our long-term goal is to narrow the racial homeownership gap in Massachusetts by educating and counseling Black and Latino homebuyers and to help these same homebuyers achieve sustainable homeownership. We track delinquency and foreclosure rates of affordable mortgage programs and publicly available homeownership rates. 6
7 Program Success Monitored By Examples of Program Success We will track success rates by measuring how many graduates request their homebuying certificate in order to access a mortgage program or downpayment assistance program. We track delinquency statistics on a quarterly basis through the Massachusetts Housing Partnership and we periodically request loss ratio data from participating HomeSafe insurance companies MAHA has graduated over 29,000 people from our classes since 1991, the most of any non-profit in the state. Based on data from the city of Boston and the Massachusetts Housing Partnership, our graduates have lower delinquency and foreclosure rates than homeowners in general. 7
8 Statewide Homebuyers Action Network (HAN) Description HAN brings MAHA s unique model of engaging and organizing homebuyers to homeownership classes throughout the state. Through partnerships with 18 homebuyer counseling organizations that have joined HAN, we reach a far greater number of homebuyers, engage many more people, and have a larger impact. HAN is enabling us to build a broader base in Boston by giving our own graduates more ways to participate and communicate online. We are challenging our members to engage their friends and families through our new website and Facebook, as well as our more traditional organizing channels. We are also involving graduates of other homebuyer counseling groups in Boston who are signing up for HAN at their classes. In addition, we are building a statewide network by signing up new groups that work with key constituencies. We are able to communicate and involve graduates of HAN partner groups in all corners of Massachusetts who sign up to join our online information and alert list. Budget Category Population Served Program Short Term Success Program Long term Success Housing, General/Other Home Barrier Removal Other Economic Level, Families, Minorities Two additional non-profit homebuyer counseling organizations join HAN, bringing the total to 20. We form a HAN Steering Committee to discuss emerging issues, priorities for joint action, and campaign strategies. MAHA mobilizes a minimum of 1,500 people to take action in support of our campaigns in MAHA and HAN members reach a lending agreement with at least two additional lenders in The state allocates adequate money to leverage bank investments in affordable mortgages throughout FY2016. MAHA mobilizes a minimum of 1,500 people annually to take action in support of our campaigns. All HAN member organizations are actively involved in advocating for both public and private sector affordable homeownership initiatives. MAHA members reach agreements with at least 3 new mortgage lenders. The state allocates sufficient money each year to leverage bank investments in affordable mortgage lending. MAHA increases the number of affordable mortgages made available from 800 to 1,200 per year. 8
9 Program Success Monitored By Examples of Program Success As with its grassroots project, MAHA uses both quantitative and qualitative evaluation tools to track successes and areas for improvement. Our strategy involves analysis of both policy outcomes and organization building metrics. 1. MAHA organizers track organizational involvement. This includes: the number of organizations that have formally joined HAN, the number of home buyer counselors who regularly send HAN interest postcards with the names and contact information for their interested graduates, the number of organizations that participate in grassroots lobbying campaigns (such as for a new lending commitment, or state funding for the SoftSecond Program) 2. MAHA tracks the number of individuals who participate in online campaign activities. 3. MAHA tracks progress toward new lending agreements and state funding for homeownership programs, and analyses the role that joint action by our HAN members plays in each campaign. Friday, June 13, 2014 Governor Deval Patrick today stood with MAHA President Esther Maycock-Thorne and recent MAHA homeowner Angelina Goncalves to announce new support for homeownership opportunities for first-time homebuyers, including access to reduced-cost mortgages through various lenders. The announcement comes as 26 mortgage lenders and over 1,000 first time homebuyers have signed on and utilized the MA Homeownership Compact, a commitment among lenders to originate mortgage loans to first-time home buyers. Just a few weeks ago, Angelina Goncalves and her fiance bought their first home in Dorchester through Santander Bank using the ONE Mortgage program. "When I came to Boston from Cape Verde at the age of eighteen, I had two dreams - to graduate from college and to own my own home." Angelina graduated from UMass Boston with a degree in finance and bought a two family home in March, less than a year after graduating from a MAHA homebuyer class. 9
10 Grassroots Organizing for Secure Families, Stable Neighborhoods Description MAHA staffs a grassroots Homebuyers Union (HBU) in Boston whose members work together to challenge banks and elected officials to increase investment in affordable home-ownership. We win housing resources and community investment agreements through the recruitment, education, mobilization, and leadership development of our members. We teach the information and skills people need to lead campaigns, gain allies, work with the legislature, and negotiate investment agreements with bankers and other financial services leaders. Through meetings, phone banks, postcard and letter writing campaigns, and large scale community actions involving more than 1,000 people, we connect our constituency to the elected officials and industry executives who make decisions. We increase our efficacy by registering new voters, educating people on where candidates stand on key housing issues, and turning these educated voters out to the polls. Budget Category Population Served Program Short Term Success Program Long term Success Housing, General/Other Barrier-Free Housing Families, Adults, Minorities MAHA mobilizes a minimum of 1,000 people to take action in support of our campaigns in new members participate in MAHA meetings and phone banks. 60 members receive 1:1 and small group leadership training in campaign skills. All banks that currently have lending agreements with MAHA continue to participate in the state s most affordable mortgage program. MAHA members reach a lending agreement with at least two additional lenders in The state allocates adequate money to leverage bank investments in affordable mortgages throughout FY2016. MAHA mobilizes a minimum of 1,000 people annually to take action in support of our campaigns new members participate in MAHA meetings and phone banks each year. 60 active members receive leadership training each year. MAHA members reach agreements with at least 3 new mortgage lenders. The state allocates sufficient money each year to leverage bank investments in affordable mortgage lending. MAHA increases the number of affordable mortgages made available through MAHA negotiated agreements from 800 to 1200 per year. 10
11 Program Success Monitored By Examples of Program Success MAHA uses both quantitative and qualitative evaluation tools to track successes and areas for improvement. Our strategy involves analysis of both policy outcomes and organization building metrics. 1. Twice each year MAHA organizers review: the total number of volunteers who have participated during the last 6 months, the number of NEW volunteers who participated, the number of people who ve been trained in new skills, and the number that have taken on new roles. 2. MAHA sets goals for voter registration and mobilization each fall. We track the number of voters registered, the number contacted through our classes and phone banks, the number who pledge to vote, and the number of our pledges that go to the polls. election. 3. MAHA continually tracks progress toward new lending agreements. We monitor each bank s closings under our agreements and intervene if a lender falls behind. Thadine Brown attended her first MAHA meeting in When it was her turn to speak, she told her home buying story. She talked about her daughter who had recently lost her dad, and the heavy responsibility she felt as a single parent. She told us the SoftSecond program had helped save her life by enabling her to have a home where she and her daughter felt safe and secure. Thadine later told her story to 1,000 people at a MAHA action. She ended by addressing the bankers and politicians who were present, saying It is important that you understand that in our communities being able to afford a home gives us a sense of hope and purpose. I ask that you do not take that away. When we met Thadine, she was brimming with passion and the qualities to be an effective organizer and advocate for her community. MAHA introduced her to other leaders who were learning and working together. She has remained actively involved, joined MAHA s Board of Directors in 2012 and was elected clerk in
12 for a Better Boston Description Immediately after the passage of the Community Preservation Act in Boston in 2016, MAHA and its allies agreed to keep the broad based for a Better Boston effort together. We will work in coalition to ensure Boston's CPA process is inclusive, transparent, and address racial and economic inequities in the city. Budget Category Population Served Program Short Term Success Program Long term Success Program Success Monitored By Examples of Program Success Civil Rights, Social Action & Advocacy, General/Other Adults, Families, Minorities YBB organized the successful 2016 referendum campaign that resulted in 74% of Boston voters supporting the adoption of the Community Preservation Act. We will be working to ensure diversity and community representation on the Community Preservation Committee which will recommend spending. And we will organize support for grassroots proposals in all three funding areas and ensure that funding decisions seek to address long-standing racial and economic disparities. Our 15 member for a Better Boston steering committee is committed to monitoring the success of CPA implementation in Boston. Christine Poff, former executive director of the Franklin Park Coalition, was named as the city's first Community Preservation director. Christine is well-known in Boston neighborhoods as someone deeply committed to inclusion and diversity. She has been an excellent partner with YBB during the first several months of implementation. 12
13 Management CEO/Executive Director Executive Director Term Start May Mr. Thomas Callahan Experience Thomas Callahan is the executive director of the Massachusetts Affordable Housing Alliance (MAHA). He has worked for community organizations over the past 35 years, including the last 30 at MAHA. He previously served as coalition coordinator at Tenants United for Public Housing Progress, a citywide organization in Boston organizing in public housing developments, and community organizer at Massachusetts Fair Share, a statewide multi-issue citizen action group. Tom serves on the boards of the Massachusetts Community and Banking Council, Community Labor United and the Massachusetts Property Insurance Underwriting Association (Fair Plan). He is a native of North Adams, MA, a current resident of Milton and a graduate of Fairfield University in Fairfield, CT. Tom also was a 1998 Fannie Mae Fellow at Harvard's Kennedy School Program for Senior Executives in State and Local Government and a 2014 participant in the Boston-Haifa Learning Exchange sponsored by the Jewish Community Relations Council. Tom serves as a consumer representative to the National Association of Insurance Commissioners and previously was the chair of the Consumer Affairs Task Force of The Appraisal Foundation as well as assistant secretary and a member of its executive committee. In Milton, Tom is on the Fair Housing Committee and Affordable Housing Trust Fund as well as being an elected town meeting member since Former CEOs Name Term Lewis Finfer Sept June 1991 Senior Staff Ms. Hillary Pizer Title Experience/Biography Associate Executive Director Hillary has been with MAHA since She previously worked at Clean Water Action and Massachusetts Fair Share on environmental issues. At MAHA, Hillary is the lead organizer for the grassroots Homebuyers Union and the statewide Homeownership Action Network. She has staffed campaigns that have led to more than $2.5 billion in mortgage lending to lower income households in Massachusetts. 13
14 Ms. Regina Cook Title Experience/Biography Assistant Director of Administration Regina works with the executive director and board executive committee on financial reporting and oversight. In addition, Regina jointly supervises the homeownership education and counseling department and assists that team in meeting their goals and objectives. Regina is also a faithful member for 12 years at the Zion Temple Holy Church in Dorchester in which she serves on the financial board. She is a native of North Carolina. Staff Information Full Time Staff Part Time Staff Volunteers Contractors Retention Rate % Staff Demographics - Ethnicity African American/Black 4 Asian American/Pacific Islander 0 Caucasian 3 Hispanic/Latino 2 Native American/American Indian 0 Other 0 Staff Demographics - Gender Male Female Unspecified Formal Evaluations CEO Formal Evaluation CEO/Executive Formal Evaluation Frequency Senior Management Formal Evaluation Senior Management Formal Evaluation Frequency NonManagement Formal Evaluation Annually Annually 14
15 Non Management Formal Evaluation Frequency Annually Plans & Policies Organization has a Fundraising Plan? Organization has a Strategic Plan? Years Strategic Plan Considers Under Development Date Strategic Plan Adopted Aug 2011 Does your organization have a Business Continuity of Operations Plan? Management Succession Plan? Organization Policy and Procedures Nondiscrimination Policy Whistleblower Policy Document Destruction Policy Directors and Officers Insurance Policy Is your organization licensed by the Government? Registration Permit? 5 No Under Development No No Risk Management Provisions Workers Compensation and Employers' Liability Commercial General Liability Directors and Officers Policy General Property Coverage Special Event Liability Affiliations Affiliation Year Consumer Federation of America - Member 2006 National Industry Standards for Homeownership Education and Counseling
16 Board & Governance Board Chair Board Chair Ms. Symone Crawford Company Affiliation MAHA Homebuyers Union member Term Jan 2017 to Dec Board Members Name Affiliation Status Acia Adams-Heath MIT Voting Lucille Andrew Marius Attorney Voting Kenzie Bok BHA Voting Thadine Brown Community Volunteer Voting Jim Campen Retired Voting Ashley Carvalho Massport Voting Symone Crawford Community Volunteer Voting Esther Dupie Partners Health Care Voting Karen Glass Commonwealth of Massachusetts Voting Calvin Law Success Real Estate Voting LaTanya Ramsey Parexel Voting Craig Ransom NE Regional Council of Carpenters Voting Robert Sheridan Retired Voting Sonia Singh City of Boston Voting Carlos Vargas Vargas & Vargas Insurance Voting Board Demographics - Ethnicity African American/Black 9 Asian American/Pacific Islander 2 Caucasian 4 Hispanic/Latino 0 Native American/American Indian 0 Other 0 0 Board Demographics - Gender Male Female Unspecified
17 Board Information Board Term Lengths Number of Full Board Meetings Annually Board Meeting Attendance % Written Board Selection Criteria? Written Conflict of Interest Policy? Percentage Making Monetary Contributions Percentage Making In-Kind Contributions Constituency Includes Client Representation % Under Development 100% 100% Standing Committees Executive Advisory Board / Advisory Council 17
18 Financials Fiscal Year Fiscal Year Start Apr 01, 2017 Fiscal Year End Mar 31, 2018 Projected Revenue $985, Projected Expenses $965, Endowment? No Spending Policy N/A Credit Line? Reserve Fund? Months Reserve Fund Covers 3 Detailed Financials Revenue and Expenses Fiscal Year Total Revenue $994,114 $2,161,340 $1,167,037 Total Expenses $1,059,246 $1,065,263 $945,664 Revenue Sources Fiscal Year Foundation and Corporation Contributions Government Contributions $0 $0 $0 Federal State Local Unspecified Individual Contributions $399,306 $808,692 $748,023 Indirect Public Support $27,072 $29, Earned Revenue $474,994 $410,022 $441,375 Investment Income, Net of Losses $1,189 $17,104 $50,431 Membership Dues Special Events $84,866 $88,675 $55,058 Revenue In-Kind Other $6,687 $807,464 ($127,850) 18
19 Expense Allocation Fiscal Year Program Expense $863,175 $838,950 $744,649 Administration Expense $130,167 $160,619 $128,674 Fundraising Expense $65,904 $65,694 $72,341 Payments to Affiliates Total Revenue/Total Expenses Program Expense/Total Expenses 81% 79% 79% Fundraising Expense/Contributed Revenue 13% 7% 9% Assets and Liabilities Fiscal Year Total Assets $4,580,895 $1,281,764 $3,825,456 Current Assets $604,298 $552,485 $860,266 Long-Term Liabilities $1,611,665 $559,072 $695,943 Current Liabilities $37,333 $354,359 $347,393 Total Net Assets $2,931,897 $368,333 $2,782,120 Short Term Solvency Fiscal Year Current Ratio: Current Assets/Current Liabilities Long Term Solvency Fiscal Year Long-Term Liabilities/Total Assets 35% 44% 18% Top Funding Sources Fiscal Year Top Funding Source & Dollar Amount Second Highest Funding Source & Dollar Amount Third Highest Funding Source & Dollar Amount Capital Campaign Currently in a Capital Campaign? Capital Campaign Anticipated in Next 5 Years? No No Comments Foundation Staff Comments Financial summary data in the charts and graphs above are per the organization's IRS Form 990s. Contributions from foundations and corporations are listed under individuals when the breakout was not available. Created Copyright 2018 The Boston Foundation 19
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