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Archive for July, 2011

26 JULY 2011 | LEND FREELY

26 Jul , 2011

I didn’t say that.  The bible did.  Psalm 112:5:

“Good will come to those who are generous and lend freely, who conduct their affairs with justice.”

Because of the generosity of our donors, we will be able to lend freely (0% interest) to 25 families in Wake County this year to help them achieve their dream of a simple, decent place to call home.  I notice that the scripture says “lend freely”, not “lend recklessly”.  Habitat has a great track record in lending with a less than 2% foreclosure rate.  Last month, our mortgage payments were 88% current.  We are very proud of our homebuyers and the commitment they make, despite difficult financial circumstances, to meet their mortgage obligations.

I was blessed with the opportunity to meet Martin Eakes last week.  Martin is the founder of Durham’s Self Help Credit Union and the Center for Responsible Lending.  He is a tireless advocate for the poor and seeks justice in the way that financial dealings are conducted.  Martin has great contempt for the assertion that our current economic situation was caused by people buying houses who couldn’t afford them.   Martin is passionate about addressing the widening “wealth gap” that families of color in the U.S. face.  Homeownership is a key component of wealth building for families.

A recent study by the Pew Research Center shows the disturbing trends in family wealth.  Here’s a thumbnail of the Pew study:

The median wealth of white households is 20 times greater than that of black households and 18 times greater than that of Hispanic households, according to a Pew Research analysis of newly-available data from a 2009 government survey. These ratios are the largest in the quarter century since the government first published such data. From 2005 to 2009, median wealth fell by 66% among Hispanic households, 53% among black households and 16% among white households.

You can read the complete study here.

I’m proud that Habitat is in a position to lend freely to those in most need and that our lending gives families a chance to build wealth in addition to having a safe, decent, affordable place to live.  How do we address this widening gap?  I’m eager for your thoughts.

5 JULY 2011 | CHRISTIAN COMMUNITY DEVELOPMENT

5 Jul , 2011

I went to lunch last Tuesday, with my 22 year old twin sons.  While I stepped away to the restroom, the check arrived, and to my pleasant surprise, my son Micah picked up the check!

My take-away on this is that things do change in significant ways over time.  I’ve bought Micah many meals over the years and to have him pay for one signifies a major change that is a generation long in coming.

I attended a meeting at Hope Community Church in Cary hosted by their local missions pastor Byron McMillan that same evening.  There were representatives there from the Christian Community Development Association (CCDA), which is a national network of practitioners of community development from a distinctly Christian perspective.

So what is “Christian Community Development”?  CCDA has developed eight components that are essential to authentic Christian community development.  They are:

  • Relocation (living among the people)
  • Reconciliation
  • Redistribution (just distribution of resources)
  • Indigenous Leadership Development
  • Listening to Community
  • Church-Based
  • Holistic Approach
  • Empowerment

To see the full treatment of these concepts, go to CCDA’s website at: http://www.ccda.org/philosophy

Habitat Wake is a Christian organization that is working intensively in SE Raleigh’s Long Acres community hoping to spark and encourage lasting change in this proud neighborhood that has recently been declining.  As Christians, we believe that we are called to partner with any and everyone regardless of their faith in these efforts.

Believing that change will come is a big first step.  Just like having my son pay for lunch, I expect that the full revitalization of a community in need like Long Acres, will be a generation in coming and that by applying the concepts above it will be a genuine and lasting change.  Exciting things are already happening in Long Acres.  Go to our volunteer page to see opportunities to get involved with everything happening at Habitat Wake.


Habitat for Humanity of Wake County
2420 Raleigh Boulevard
Raleigh, NC 27604-2235
Phone 919.833.1999
Fax 919.833.8256
Habitat for Humanity of Wake County ReStore

Store hours:

  • Tuesday - Friday: 10:00 a.m. - 6:00 p.m.
  • Saturday: 9:00 a.m. - 5:00 p.m.
  • Closed Sundays and Mondays