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ACT Lawrence Inc.

 530 Broadway 3rd Floor
 Lawrence, MA 01841
[P] (978) 685-6274
[F] (978) 683-6367
Ana Luna
 Printable Profile (Summary / Full)
EIN 04-3408855

LAST UPDATED: 05/24/2018
Organization DBA --
Former Names Arlington Community Trabajando (2015)
Organization received a competitive grant from the Boston Foundation in the past five years No



Mission StatementMORE »

ACT Lawrence is a Latina-led non-profit Community Development Corporation (CDC). Our mission is to work to achieve social and economic justice by empowering low to moderate-income populations in Lawrence, Massachusetts, and through shared values of inclusiveness and collaboration, to reclaim a voice for Lawrence and advocate self-determination for its residents through community development initiatives such as affordable housing, financial coaching, and youth leadership programs.

Mission Statement

ACT Lawrence is a Latina-led non-profit Community Development Corporation (CDC). Our mission is to work to achieve social and economic justice by empowering low to moderate-income populations in Lawrence, Massachusetts, and through shared values of inclusiveness and collaboration, to reclaim a voice for Lawrence and advocate self-determination for its residents through community development initiatives such as affordable housing, financial coaching, and youth leadership programs.

FinancialsMORE »

Fiscal Year Jan 01, 2016 to Dec 31, 2016
Projected Income $121,438.00
Projected Expense $201,965.00

ProgramsMORE »

  • Arlington Breakfast Club
  • Financial Coaching
  • Foreclosure Prevention Counseling
  • Homebuyer Workshops
  • Youth Leadership Program

Revenue vs. Expense ($000s)

Expense Breakdown 2014 (%)

Expense Breakdown 2013 (%)

Expense Breakdown 2012 (%)

For more details regarding the organization's financial information, select the financial tab and review available comments.


Mission Statement

ACT Lawrence is a Latina-led non-profit Community Development Corporation (CDC). Our mission is to work to achieve social and economic justice by empowering low to moderate-income populations in Lawrence, Massachusetts, and through shared values of inclusiveness and collaboration, to reclaim a voice for Lawrence and advocate self-determination for its residents through community development initiatives such as affordable housing, financial coaching, and youth leadership programs.

Background Statement

Residents of the Arlington District in Lawrence, MA formed ACT Lawrence (formerly Arlington Community Trabajando) in the fall of 1996. The catalyst for the establishment of our organization was the Malden Mills fire, which threatened to leave over 50% of the residents unemployed, and the October 1996 Spicket River Floods, which caused severe damage to homes along the river. At that time, The Arlington Neighborhood was (and still is) the poorest neighborhood in Lawrence, one of the poorest cites in the Northeast. In many ways this systemic poverty and all its associated challenges resulted in the neighborhood becoming isolated from the rest of the city, which continues to some extent today.

In the aftermath of the fire there was strong support (mostly from other parts of the city and beyond) for razing the entire Arlington neighborhood and reconstructing it in the nature of a 1960’s great society urban renewal project. This effort was strongly opposed by the residents of the neighborhood, though few outside the neighborhood seemed to give much consideration to the sentiment. In January of 1996, with the assistance of a local priest from a small church in the heart of the neighborhood, a group of Arlington Community residents held a meeting to start giving the residents a voice. Today, many of the original members of the early group of tireless and committed leaders work along with many new members who have committed to preserving and improving the neighborhood from within and reconnecting the neighborhood to the rest of the city.

ACT Lawrence is a growing community development corporation (CDC) with 19 years of experience of making Lawrence a more livable city. Since its inception, ACT has worked consistently in the heart of the Arlington neighborhood and it continues to be a strong advocate for empowering and improving the quality of life for its residents. ACT Lawrence is also a HUD approved housing counseling agency and certified regionally through the Massachusetts Homeownership Collaborative via (CHAPA), Citizens’ Housing and Planning Association, as well as Massachusetts Association of Community Development Corporations (MACDC), an association of mission-driven community development organizations dedicated to working together and with others to create places of opportunity. All of ACT Lawrence’s community programs support extremely low to moderate-income individuals and disadvantaged, often very high-risk youth living in the City of Lawrence.

Impact Statement

ACT Lawrence's top accomplishments from this past year:
  1. Expanded target area to include all of Lawrence and implemented name change from Arlington Community Trabajando to ACT Lawrence.
  2. Department of Housing & Community Development designated ACT Lawrence as certified Community Development Corporation, CDC and allocated $50,000 in Community Investment Tax Credit.
  3. Formed strategic planning committee composed of ACT staff, board members and area residents. The committee has been working designing a data collection plan & community improvement plan, resident involvement strategy and stakeholder interviews and surveys.
  4. Expanded our Financial Capability & Opportunity Center to provide financial coaching, jobs, benefits referrals, workshops and training. Supported 1375+ people First Time Homebuyer and Post Purchase Education Programming, Jobs referrals for adults, leadership training, youth Jobs and family support.
  5. Launched the Arlington Neighborhood Breakfast Club; as part of our resident involvement strategy to support and help organize area residents to make meaningful changes in the community. The meetings have been focused on identifying public safety concerns, clean-ups and community issues. The next phase will focus on implementing solutions to the identified issues and forming committees.
ACT Lawrence's top goals for this upcoming year:  
  1. To expand our budget, specifically increasing donations from individual and corporate donors and our earned income, while decreasing our reliance on government funding
  2. To integrate our programs (ex: the youth program with the financial counseling program) in order the increase the breadth and scope of our programs and provide the utmost opportunities for all of our clients
  3. To continue supporting and growing the Arlington Breakfast Club while beginning to structure a rent stabilization campaign that Lawrence residents could lead and participate in to increase their political voice
  4. To begin collaborating with new or old partners to revitalize our housing development program
  5. To increase our partnerships and collaborations with other Lawrence or surrounding area organizations and neighborhood associations and look for more grant partner opportunities

Needs Statement

ACT Lawrence's 5 Most Pressing Needs:
  1. $60,000 in order to obtain a larger office space, allowing for additional staff growth
  2. $40,000 in order to hire an additional staff member for our financial coaching program
  3. $30,000 in order to hire an additional staff member for our youth leadership program
  4. $40,000 in order to hire an additional staff member for our housing counseling program
  5. More individual and corporate donors/sponsors and more earned income

CEO Statement


Board Chair Statement


Geographic Area Served

ACT Lawrence serves the geographic region of Lawrence, Massachusetts of Essex County, with a special focus on the Arlington district neighborhood in Lawrence.

Organization Categories

  1. Human Services - Financial Counseling
  2. Community Improvement, Capacity Building - Economic Development
  3. Youth Development -

Independent research has been conducted on this organization's theory of change or on the effectiveness of this organization's program(s)

Under Development


Arlington Breakfast Club

Arlington's newest neighborhood association, which takes an alternative, hands-on approach to the traditional model so that every community member truly has a say in the conversation about their neighborhood. Meetings are held in both Spanish and English, and free breakfast is provided. The Arlington Breakfast Club gives community members a voice and fosters resident action and leadership.
Budget  --
Category  Community Development, General/Other
Population Served General/Unspecified
Program Short-Term Success  Currently, the Arlington Breakfast Club is initiating a Creative Space Activation plan, which will reactivate and beautify specific trouble areas in the neighborhood. 
Program Long-Term Success  Arlington neighborhood members will have a stronger sense of community, a louder voice in the City of Lawrence, and will work together to create real, impactful change that will allow them to better their community.
Program Success Monitored By  Surveys, feedback
Examples of Program Success  .

Financial Coaching

A free financial coaching program that matches each client with a trained financial coach, utilizing the Financial Capability Center at Merrimack College. The coaches will work with their clients to help them reach their financial goals, whether it be increasing savings, reducing debt, improving credit scores, creating and sticking to a budget, and more. The program is 11-weeks long and runs from mid-September to early December, with monthly workshops and on-demand private coaching sessions. 
Budget  --
Category  Education, General/Other
Population Served Poor,Economically Disadvantaged,Indigent
Program Short-Term Success 

The participants will learn how to overcome barriers to home ownership, develop savings plans, and improve and manage their credit and budget skills. The coaches will also assist the youth and those that are not ready to purchase a home and to prepare an action plan that leads to either opening a business or going to college.

Program Long-Term Success 

The Financial Opportunity Center (through which our program runs) annually serves 1500 people in need of housing, new immigrant populations, extremely low income people and the youth. It further supports extremely low-income youth previously incarcerated by providing access to jobs, training and links to the community.

Program Success Monitored By  Feedback and surveys
Examples of Program Success 

"I was referred to ACT by a friend when I was five months behind on my mortgage. After 3 counseling sessions, we submitted a loan modification request to my bank. A few months later, my modification was approved. Now, I am saving $1,000 a month. I am so happy to avoid foreclosure and save thousands of dollars in future mortgage payments."

-- Francisco C.

Foreclosure Prevention Counseling

Helps families avoid foreclosure via individual counseling and lender negotiations to modify mortgages. 
Budget  --
Category  Housing, General/Other Housing Counseling
Population Served Poor,Economically Disadvantaged,Indigent Families
Program Short-Term Success  .
Program Long-Term Success  The counseling works to decrease the number of foreclosures in the Arlington district and the City of Lawrence as a whole.
Program Success Monitored By  .
Examples of Program Success  .

Homebuyer Workshops

Provides first-time homebuyer education workshops to prepare homebuyers to become savvy homeowners. Future homebuyers will set goals and action plans to overcome barriers to homeownership including credit, savings plans, and avoiding predatory lending.
Budget  --
Category  Housing, General/Other Housing Counseling
Population Served Adults Families Poor,Economically Disadvantaged,Indigent
Program Short-Term Success  Those who take these workshops leave with action and budget plans to assist them in saving up for their home and improving their credit score. 
Program Long-Term Success  From completing our workshops, clients will have gained the knowledge and skills to either purchase or begin saving up for the purchase of a new home.
Program Success Monitored By  A coach is assigned to each client to follow up with them and ensure they are following their action plan and meeting their goals
Examples of Program Success  /

Youth Leadership Program

Our program employs youth ages 14-22 for 15-20 hours per week during a 6-week period in July and August for a total of 120 hours of summer activities. This is done through a series of workshops that develop leadership skills by performing weekly projects that demonstrate what they have learned. The youth benefit from all workshops ACT Lawrence provides including; financial capability, resume writing, interview skills, public speaking, community organizing, outreach and implementing neighborhood improvement projects.

The youth also engage in arts activities at the Lawrence Art House, where they work on self-expressive arts activities and assist younger children with their projects. The youth are motivated through weekly incentives and competitions guided by the program coordinators. These competitive, yet fun activities offer real-life applications in leadership skills while learning to guide and supervise others. Soon, we plan to expand to a year-round program.

Budget  --
Category  Youth Development, General/Other
Population Served Adolescents Only (13-19 years) College Aged (18-26 years)
Program Short-Term Success  By the end of the six week program, each youth member will come away with a folder of all they have accomplished during their time, including a polished resume and personal budgets, along with their newly developed leadership skills.
Program Long-Term Success  Creates community leaders while preparing youth for first jobs
Program Success Monitored By  Surveys and feedback from previous youth program members
Examples of Program Success   .

CEO/Executive Director/Board Comments



CEO/Executive Director Mrs Ana Luna
CEO Term Start Mar 2003
CEO Email
CEO Experience Ana Luna, Executive Director of ACT, holds a Masters in Public Policy from Tufts University and has been serving the city of Lawrence for more than 18 years. She directs and manages programs in the areas of affordable housing development, first time homebuyer education, foreclosure prevention, family financial literacy and youth leadership development.
Co-CEO --
Co-CEO Term Start --
Co-CEO Email --
Co-CEO Experience --

Former CEOs and Terms

Name Start End
-- -- --

Senior Staff

Name Title Experience/Biography
-- -- --


Award Awarding Organization Year
-- -- --


Affiliation Year
-- --
Member of state association of nonprofits? Yes
Name of state association Massachusetts Association of Community Development Corporations

External Assessments and Accreditations

External Assessment or Accreditation Year
-- --


   The City of Lawrence, Merrimack College and ACT Lawrence partnered to help families become financially literate and savvy to build assets through financial coaching. The City of Lawrence funds down-payment assistance program to help families purchase homes with minimal out of pocket savings.  The Merrimack College's business and finance departments faculty, will train students to become financial coaches.  Together, we plan to increase low-income family's savings to help them achieve financial goals and their stability.

   Faculty mentors from the business school work pro-bono to train and support our financial coaches.  Our collaboration addresses increased requests for financial coaching to help low income families not only improve financial skills, but also improve behaviors and fears toward the financial system. 

CEO/Executive Director/Board Comments


Foundation Comments


Staff Information

Number of Full Time Staff 4
Number of Part Time Staff 4
Number of Volunteers 80
Number of Contract Staff 2
Staff Retention Rate % --

Staff Demographics

Ethnicity African American/Black: 0
Asian American/Pacific Islander: 0
Caucasian: 2
Hispanic/Latino: 8
Native American/American Indian: 0
Other: 0
Other (if specified): --
Gender Female: 9
Male: 1
Not Specified 0

Plans & Policies

Organization has Fundraising Plan? No
Organization has Strategic Plan? Under Development
Years Strategic Plan Considers --
Management Succession Plan No
Business Continuity of Operations Plan No
Organization Policies And Procedures Under Development
Nondiscrimination Policy Yes
Whistle Blower Policy No
Document Destruction Policy --
Directors and Officers Insurance Policy --
State Charitable Solicitations Permit --
State Registration --

Risk Management Provisions


Reporting and Evaluations

Management Reports to Board? Yes
CEO Formal Evaluation and Frequency Yes Bi-Annually
Senior Management Formal Evaluation and Frequency Yes Bi-Annually
Non Management Formal Evaluation and Frequency Yes Annually


Board Chair Dr Ana Christina Silva Ph.D
Board Chair Company Affiliation Merrimack College
Board Chair Term Jan 2016 - 2019
Board Co-Chair --
Board Co-Chair Company Affiliation --
Board Co-Chair Term -

Board Members

Name Company Affiliations Status
Sabrina Boggio Women's Path to Employment --
Julie Duran Coco and Early --
Luis Saenz de Viguera Erquiaga Merrimack College --
Francisco Espaillat Metro Credit Union --
Jose Godinez Ph.D Merrimack College --
James Jennings Tufts University Exofficio
Rafaela Pichardo Mary Immaculate Church of the Assumption --

Constituent Board Members

Name Company Affiliations Status
-- -- --

Youth Board Members

Name Company Affiliations Status
-- -- --

Advisory Board Members

Name Company Affiliations Status
-- -- --

Board Demographics

Ethnicity African American/Black: 1
Asian American/Pacific Islander: 0
Caucasian: 1
Hispanic/Latino: 6
Native American/American Indian: 0
Other: 0
Other (if specified): --
Gender Female: 4
Male: 4
Not Specified 0

Board Information

Board Term Lengths --
Board Term Limits --
Board Meeting Attendance % --
Written Board Selection Criteria Under Development
Written Conflict Of Interest Policy Yes
Percentage of Monetary Contributions 100%
Percentage of In-Kind Contributions --
Constituency Includes Client Representation Yes

Standing Committees


CEO/Executive Director/Board Comments


Foundation Comments



Revenue vs. Expense ($000s)

Expense Breakdown 2014 (%)

Expense Breakdown 2013 (%)

Expense Breakdown 2012 (%)

Fiscal Year Jan 01, 2016 to Dec 31, 2016
Projected Income $121,438.00
Projected Expense $201,965.00
Form 990s

2014 Form 990

2013 Form 990

2012 Form 990

Audit Documents

2014 Audit

2013 Review

IRS Letter of Exemption

IRS Letter of Determination

Prior Three Years Total Revenue and Expense Totals

Fiscal Year 2014 2013 2012
Total Revenue $121,438 $294,629 $112,516
Total Expenses $201,965 $209,653 $105,630

Prior Three Years Revenue Sources

Fiscal Year 2014 2013 2012
Foundation and
Corporation Contributions
$6,000 -- --
Government Contributions $0 $224,116 $88,943
    Federal -- -- --
    State -- $132,224 $88,943
    Local -- $12,000 --
    Unspecified -- $79,892 --
Individual Contributions $102,032 $10,182 $5,789
Indirect Public Support -- -- --
Earned Revenue $12,397 $60,137 $17,784
Investment Income, Net of Losses -- -- --
Membership Dues -- -- --
Special Events -- -- --
Revenue In-Kind -- -- --
Other $1,009 $194 --

Prior Three Years Expense Allocations

Fiscal Year 2014 2013 2012
Program Expense $174,557 $184,230 $90,841
Administration Expense $27,408 $25,133 $14,789
Fundraising Expense -- $290 --
Payments to Affiliates -- -- --
Total Revenue/Total Expenses 0.60 1.41 1.07
Program Expense/Total Expenses 86% 88% 86%
Fundraising Expense/Contributed Revenue 0% 0% 0%

Prior Three Years Assets and Liabilities

Fiscal Year 2014 2013 2012
Total Assets $28,228 $91,900 $54,059
Current Assets $26,153 $90,598 $42,435
Long-Term Liabilities $0 $0 $0
Current Liabilities $24,621 $7,768 $30,237
Total Net Assets $3,607 $84,132 $23,822

Prior Three Years Top Three Funding Sources

Fiscal Year 2014 2013 2012
1st (Source and Amount) -- --
-- --
-- --
2nd (Source and Amount) -- --
-- --
-- --
3rd (Source and Amount) -- --
-- --
-- --

Financial Planning

Endowment Value --
Spending Policy --
Percentage(If selected) --
Credit Line Yes
Reserve Fund No
How many months does reserve cover? --

Capital Campaign

Are you currently in a Capital Campaign? No
Capital Campaign Purpose --
Campaign Goal --
Capital Campaign Dates -
Capital Campaign Raised-to-Date Amount --
Capital Campaign Anticipated in Next 5 Years? --

Short Term Solvency

Fiscal Year 2014 2013 2012
Current Ratio: Current Assets/Current Liabilities 1.06 11.66 1.40

Long Term Solvency

Fiscal Year 2014 2013 2012
Long-term Liabilities/Total Assets 0% 0% 0%

CEO/Executive Director/Board Comments


Foundation Comments

Financial summary data in charts and graphs are per the organization's IRS Form 990s. Contributions from foundations and corporations are listed under individuals when the breakout was not available.

Please note, this organization changed its name with the IRS in early 2015 from Arlington Community Trabajando, Inc. to ACT Lawrence, Inc. 


Other Documents

No Other Documents currently available.


The Impact tab is a section on the Giving Common added in October 2013; as such the majority of nonprofits have not yet had the chance to complete this voluntary section. The purpose of the Impact section is to ask five deceptively simple questions that require reflection and promote communication about what really matters – results. The goal is to encourage strategic thinking about how a nonprofit will achieve its goals. The following Impact questions are being completed by nonprofits slowly, thoughtfully and at the right time for their respective organizations to ensure the most accurate information possible.

1. What is your organization aiming to accomplish?


2. What are your strategies for making this happen?


3. What are your organization’s capabilities for doing this?


4. How will your organization know if you are making progress?


5. What have and haven’t you accomplished so far?