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Habitat for Humanity Greater Boston, Inc.

 240 Commercial Street, 4th Floor
 Boston, MA 02109
[P] (617) 423-2223
[F] (617) 423-1044
http://www.habitatboston.org
[email protected]
Lark Palermo
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INCORPORATED: 1987
 Printable Profile (Summary / Full)
EIN 04-2994233

LAST UPDATED: 05/17/2018
Organization DBA --
Former Names --
Organization received a competitive grant from the Boston Foundation in the past five years Yes

Summary

Mission StatementMORE »

Habitat for Humanity Greater Boston builds strength, stability, and self-reliance through shelter. We bring people together to build homes, communities, and hope by revitalizing neighborhoods, building sustainable and affordable housing solutions, and empowering families through successful homeownership. Since 1987, we have partnered with families with limited incomes and volunteers to build affordable homes and strengthen communities in the Greater Boston area.

Habitat Greater Boston is a Massachusetts nonprofit corporation and an independent affiliate of Habitat for Humanity International.

Mission Statement

Habitat for Humanity Greater Boston builds strength, stability, and self-reliance through shelter. We bring people together to build homes, communities, and hope by revitalizing neighborhoods, building sustainable and affordable housing solutions, and empowering families through successful homeownership. Since 1987, we have partnered with families with limited incomes and volunteers to build affordable homes and strengthen communities in the Greater Boston area.

Habitat Greater Boston is a Massachusetts nonprofit corporation and an independent affiliate of Habitat for Humanity International.


FinancialsMORE »

Fiscal Year July 01, 2017 to June 30, 2018
Projected Income $3,637,188.00
Projected Expense $3,632,364.00

ProgramsMORE »

  • Family Services
  • Habitat for Humanity ReStore
  • Home Construction
  • Neighborhood Revitalization (NR)

Revenue vs. Expense ($000s)

Expense Breakdown 2016 (%)

Expense Breakdown 2015 (%)

Expense Breakdown 2014 (%)

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


Overview

Mission Statement

Habitat for Humanity Greater Boston builds strength, stability, and self-reliance through shelter. We bring people together to build homes, communities, and hope by revitalizing neighborhoods, building sustainable and affordable housing solutions, and empowering families through successful homeownership. Since 1987, we have partnered with families with limited incomes and volunteers to build affordable homes and strengthen communities in the Greater Boston area.

Habitat Greater Boston is a Massachusetts nonprofit corporation and an independent affiliate of Habitat for Humanity International.


Background Statement

Through volunteer labor and tax-deductible donations of money, land, and materials, Habitat Greater Boston builds simple, decent houses. Families are selected based on their level of need, willingness to partner, and ability to repay a mortgage. They complete 300 hours of sweat equity by helping to construct their future home or working in other capacities alongside staff, volunteers, and sponsors. They also participate in homeowner education classes, like financial management and estate planning. Qualified families purchase Habitat homes with no down payment and pay an interest-free mortgage to Habitat, which enables them to afford owning their own home.

Habitat Greater Boston is a 501 (c)(3) charitable organization. Our projects are funded primarily by private donations from individuals, community groups, corporations, charities, foundations, schools, and religious organizations.


Impact Statement

Our primary goal is to provide affordable homeownership opportunities for qualified low-income families in the Greater Boston area. We also aim to provide meaningful volunteer opportunities for individuals and groups to help build houses alongside skilled construction professionals and partner families (soon-to-be Habitat homeowners). Our ReStore accepts donations of building materials, appliances, and furniture, reducing the amount of waste in landfills. The sale of these items provides revenue to pay for additional Habitat home construction. Habitat Greater Boston is dedicated to building energy-efficient homes, through extra insulation, high-efficiency gas heating, on-demand hot water heaters, low-flow shower heads, and solar electricity, with the dual goals of lowering Habitat homeowners' utility bills and reducing our impact on the environment.

As of spring 2018, Habitat Greater Boston has constructed or rehabbed homes that house more than 400 people. We have 14 homes in the pipeline for construction. We have obtained grants for solar power and installed systems on 10 Habitat homes with three more installations in the pipeline.


Needs Statement

Funding: As a nonprofit, Habitat Greater Boston relies on charitable gifts and donations from individuals, corporations and foundations.

Donations to the ReStore: Habitat operates a store in West Roxbury that accepts donations of gently used household items, furniture, appliances and building materials. These products are sold to the public at a substantial discount in order to generate funds for Habitat projects.

Corporate Supporters and Volunteer Groups: Habitat homes are built in partnership with the families selected to live in them, as well as hundreds of volunteer groups from corporations, schools and faith-based communities. A group build allows your business or organization to support the Habitat mission both financially and through hands-on effort. We request a donation to help raise funds needed to cover construction costs of preparation, materials, and supervisors to make sure that your build day is a success.

Connections with other self-help programs: Habitat for Humanity believes low-income families need a hand up, rather than a handout. We want to partner with other like-minded organizations to help families learn how to help themselves, leading to long-term sustainable improvement in their lives.


CEO Statement

Habitat for Humanity captured my imagination the very first time I heard about the organization and its work. One is constantly bombarded by worthy requests for time and treasure, but there was something especially compelling in the Habitat message. Perhaps it was the opportunity to combine personal charity with personal action and to see tangible results taking shape in the form of decent, attractive homes in our communities and neighborhoods. No doubt the aspect of community and teamwork implicit in the prospect of building a house with like-minded volunteers was part of it, an idea made that much more powerful in that Habitat volunteers work alongside the very families who will occupy those homes.

Providing decent, affordable homeownership opportunities to working people helps to break generational cycles of poverty and gives their children the stability to learn, grow, and be healthy. Whether by charitable donation, or volunteering, or both, the gift of homeownership is a gift which does not end with completion of a house; it is essentially a legacy. Habitat Greater Boston remains part of that legacy by working with families to give them the skills of homeownership and financial management. As they pay off their mortgages (at 0% interest) to Habitat Greater Boston we continue to be a resource for them whenever they encounter difficulties or financial hardship.

Board Chair Statement

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Geographic Area Served

In a specific U.S. city, cities, state(s) and/or region.
In a specific U.S. city, cities, state(s) and/or region.
GREATER BOSTON REGION, MA
GREATER BOSTON REGION, MA
City of Boston- Citywide (please select all areas as well)
City of Boston- Allston/ Brighton
City of Boston- Back Bay
City of Boston- Beacon Hill/ West End
City of Boston- Charlestown
City of Boston- Chinatown/ Leather District
City of Boston- North Dorchester
City of Boston- South Dorchester
City of Boston- Downtown
City of Boston- East Boston
City of Boston- Fenway/ Kenmore
City of Boston- Hyde Park
City of Boston- Jamaica Plain
City of Boston- Mattapan
City of Boston- Mission Hill
City of Boston- North End
City of Boston- Roslindale
City of Boston- Roxbury
City of Boston- South Boston
City of Boston- South End/Bay Village
City of Boston- Harbor Islands
City of Boston- West Roxbury
We serve the following Greater Boston areas: Arlington, Belmont, Boston, Brookline, Cambridge, Chelsea, Dedham, Dover, Everett, Lexington, Lincoln, Malden, Medford, Melrose, Needham, Newton, Revere, Somerville, Stoneham, Waltham, Watertown, Wellesley, Weston, Winchester, Winthrop, and Woburn.

Organization Categories

  1. Housing, Shelter - Housing Development, Construction & Management
  2. Community Improvement, Capacity Building - Community & Neighbourhood Development
  3. Public & Societal Benefit -

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

Yes

Programs

Family Services

Habitat Greater Boston selects low-income families for the Habitat program in partnership with its Family Selection Committee. Selected families are required to attend a series of 10 homeowner education classes covering financial management, budgeting, legal matters, and home maintenance topics to prepare them for homeownership. Habitat tracks families' required contribution of 300 "sweat equity" hours, during which they work at a construction site and at our ReStore. After the family purchases their home, the Family Services department maintains close relationships with them and assesses the success of the Habitat program by measuring economic, health, educational progress.
Budget  $900,000
Category  Housing, General/Other Affordable Housing
Population Served Poor,Economically Disadvantaged,Indigent Families
Program Short-Term Success  Low-income families have the opportunity to own an affordable home in the Boston area.
Program Long-Term Success  Low-income families are able to pay an affordable mortgage over 20-30 years and stay in their home. Habitat works with families if they experience job loss or change in family status (such as divorce) by creating payment plans and other tools to ensure they can continue to make their mortgage payments. Habitat's mortgage delinquency rate is 4%.
Program Success Monitored By  We monitor mortgage delinquencies and late payments monthly and track our annual average mortgage delinquency rate.
Examples of Program Success  Kadia and her mother Eleene moved into their Habitat home almost 20 years ago. Since then, Eleene retired and Kadia has had several changes in her job. They kept in touch with Habitat's Family Services staff during these transitions and together, created a payment plan to ensure they continued to make payments on their mortgage. In early 2018, they paid off their mortgage and now own their own home!

Habitat for Humanity ReStore

The ReStore sells donated household items, appliances, kitchen cabinets, and furniture to the general public to raise funds for building Habitat homes. Each donation that comes through our door is a promise to our partner families that they will have an affordable home in a happier, healthier, greener world. Our donors recycle, our shoppers reuse, and the landfills aren’t overflowing with durable, nonperishable materials… all in support of Habitat’s mission.
Budget  600,000
Category  Housing, General/Other Affordable Housing
Population Served Families Poor,Economically Disadvantaged,Indigent
Program Short-Term Success 

Habitat for Humanity Greater Boston's ReStore is a nonprofit home improvement store and donation center that sells new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail price. The ReStore provides a great resource to the local community to shop for great household bargains, to donate household items, and to volunteer with Habitat locally to help local families.

When a gently used building material or household product is donated to Habitat ReStore and then sold at a discount to a community member that needs it, that item is recycled and kept out of the landfill.

Proceeds are used to help build strength, stability, self-reliance and shelter in local communities in Greater Boston.

Program Long-Term Success  Proceeds from ReStore sales are used to help build strength, stability, self-reliance and shelter in local communities in Greater Boston. Over the long term, ReStores change how we shop by encouraging local residents to donate used furniture and materials instead of throwing out these items, and it helps save people money by providing an outlet for purchasing used but high quality merchandise at an affordable price. 
Program Success Monitored By  Program success is monitored by Habitat for Humanity Greater Boston's CEO and Board of Directors. Our ReStore director regularly monitors sales, volume of donations, and volunteers, to track increases and overall success.  
Examples of Program Success 
Success 1. Increase in donations and volunteerism. An example of a recently-hit benchmark is that our ReStore officially surpassed one million dollars in sales in the spring of 2018.
 
Success 2. Relationships built with community members, local businesses, schools, and community organizations. An example of this is that we have an increasing number of furniture vendors and trade shows that contact us regularly to donate merchandise to our ReStore. They see the value in our mission and in turn, we obtain high-quality merchandise to sell to the public with proceeds helping us build more Habitat homes.
 

Home Construction

 Habitat Greater Boston builds homes with volunteer labor and donated materials in partnership with low-income families. Homes are built to be as energy-efficient as practical, which lowers homeowners' utility bills while reducing our impact on the environment.

Budget  $1,600,000
Category  Housing, General/Other Housing Development, Construction & Management
Population Served Poor,Economically Disadvantaged,Indigent Families
Program Short-Term Success  Habitat constructs 3-5 homes a year for low-income families. Every year, more families experience the benefits of a safe, stable, affordable home where they are able to build equity and create connections with their community.
Program Long-Term Success  Over the term of a Habitat mortgage, low-income families build hundreds of thousands of dollars of equity through no-interest mortgage payments on their home. Additionally, research shows that children who grow up in a stable home (as opposed to moving every few years from apartment to apartment) are more likely to succeed in school. 
Program Success Monitored By 

Every three years, Habitat Greater Boston conducts a survey of Habitat Greater Boston homeowners. The main goal of the survey is to evaluate how our homeowners’ lives have changed since moving into their Habitat homes. First, we define the basic characteristics of our homeowner population. Second, we measure homeowners’ satisfaction with Habitat’s program and identify areas in which we could improve our outcomes. Third, we aim to evaluate how homeowner’s perceptions of their lives had changed since buying a home. More specifically, we intend to investigate claims of increased stability, financial knowledge, success for children in school, investment in community, pride in homeownership, and self-confidence/life satisfaction. Lastly, we compare the results of our survey with those of our past surveys to track improvements in our program.

Examples of Program Success  Jean-Alix and Elisemene Volmar used to live in a two-bedroom apartment with their two children and Elisemene's mother Vierge, who slept in the living room. Jean-Alix is a dishwasher at a local restaurant and Elisemene works two jobs as a nursing assistant in two assisted living facilities. Even with three jobs, they couldn't save enough to buy a home for their family because each year their rent increased more than their income. In November of 2017, this immigrant family from Haiti purchased a newly renovated 4-bedroom home in Dorchester, MA and are now building equity through their no-interest mortgage payments. 

Neighborhood Revitalization (NR)

Habitat Greater Boston’s Neighborhood Revitalization program stems from our belief that homeownership is vital to community revitalization. Making homes safe and accessible and making necessary repairs increases people's pride in their homes, leading to pride in their communities, and stronger communities, overall. Habitat partners with community organizations and with corporations like Lowe's to make structural improvements and increase community connections in neighborhoods where Habitat is building homes. 
Budget  $100,000.00
Category  Housing, General/Other Affordable Housing
Population Served Poor,Economically Disadvantaged,Indigent Families
Program Short-Term Success  Our most recent NRI project in Codman Square mobilized almost 100 volunteers to rebuild three porches/decks that had been unsafe for residents, repaint and beautify two open spaces, and add safe, energy-efficient lighting to a local church.
Program Long-Term Success  NRI seeks to build pride and neighbor connections in communities, which makes communities safer, healthier and more vibrant. 
Program Success Monitored By  Much of our NRI work is funded through grants from corporations such as Lowe's, the Robert Wood Johnson Foundation and other large sponsors. These organizations require regular reporting of successes. 
Examples of Program Success  Our deck rebuilding projects involved many people: teams of Lowe’s employee volunteers, Habitat construction staff, local contractors, Habitat families and the families living in the homes we were repairing, all working together! There was a great deal of mutual respect and appreciation fostered through the experience of such an important and skilled task as rebuilding an entire deck. The "before" and "after" pictures we took of these decks, with the families on them, clearly show how proud the families were to have safe, freshly-painted decks for all to see.

CEO/Executive Director/Board Comments

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Management


CEO/Executive Director Ms. Lark Jurev Palermo
CEO Term Start Nov 2005
CEO Email [email protected]
CEO Experience Ms. Palermo has an extensive background in housing, nonprofit management, law and real estate development. Prior to joining Habitat, she was General Counsel at The Community Builders, a nonprofit affordable housing development company headquartered in Boston. She is the former Commissioner of the Division of Capital Asset Management, the Massachusetts state agency responsible for all state real estate transactions and building projects such as courthouses, state and community colleges, recreational facilities and hospitals. From 1986 to 1992, Ms. Palermo was a partner in the real estate department of WilmerHale, LLP. She is the former chair of the Board of Trustees of the Massachusetts College of Art and Design, a member of King’s Chapel and she received her B.S. in Communications from Boston University and her J.D. from Suffolk University Law School.
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
Mr. Mark Auterio ReStore Director --
Ms. Theresa Lakin External Relations Manager --
Mr. Gerry Patton Director of Construction --
Ms. Esther Powell Director of Family Services --

Awards

Award Awarding Organization Year
Malachi 3:10 Award Habitat for Humanity International 2017
Greenovate Award for Buildings & Energy City of Boston 2016

Affiliations

Affiliation Year
-- --
Member of state association of nonprofits? Yes
Name of state association CHAPA

External Assessments and Accreditations

External Assessment or Accreditation Year
Charity Navigator --

Collaborations

--

CEO/Executive Director/Board Comments

--

Foundation Comments

--

Staff Information

Number of Full Time Staff 12
Number of Part Time Staff 16
Number of Volunteers 2,500
Number of Contract Staff 0
Staff Retention Rate % 90%

Staff Demographics

Ethnicity African American/Black: 0
Asian American/Pacific Islander: 2
Caucasian: 18
Hispanic/Latino: 2
Native American/American Indian: 0
Other: 0
Other (if specified): --
Gender Female: 9
Male: 19
Not Specified 0

Plans & Policies

Organization has Fundraising Plan? Under Development
Organization has Strategic Plan? Yes
Years Strategic Plan Considers 4
Management Succession Plan Under Development
Business Continuity of Operations Plan No
Organization Policies And Procedures Yes
Nondiscrimination Policy Yes
Whistle Blower Policy Yes
Document Destruction Policy Yes
Directors and Officers Insurance Policy Yes
State Charitable Solicitations Permit Yes
State Registration Yes

Risk Management Provisions

--

Reporting and Evaluations

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

Governance


Board Chair Mr. Robert E Kenney
Board Chair Company Affiliation Kenney Development Company, Inc.
Board Chair Term Nov 2017 - Nov 2020
Board Co-Chair --
Board Co-Chair Company Affiliation --
Board Co-Chair Term -

Board Members

Name Company Affiliations Status
Mr. Rodger Brown Preservation of Affordable Housing Voting
Ms. William DiSchino Barkan Management Company Voting
Mr. Mike Fish Dellbrook | JKS Voting
Mr. Robert E. Kenney Kenney Development Company, Inc. Voting
Mr. Jordan P Krasnow Esquire Goulston & Storrs Voting
Ms. Susan Winston Leff Retired Voting
Mr. Michael E Liu AIA The Architectural Team Voting
Ms. Lark Jurev Palermo Habitat for Humanity Greater Boston Exofficio
Mr. Anthony Papantonis Nauset Construction Voting
Ms. Kimberly Sherman Stamler Related Beal Voting
Ms. Catherine Thompson Thompson Hennessey & Partners Voting

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: 1
Caucasian: 9
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): --
Gender Female: 4
Male: 7
Not Specified 0

Board Information

Board Term Lengths 3
Board Term Limits 3
Board Meeting Attendance % 90%
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 No

Standing Committees

  • Executive
  • Governance and Nominating

CEO/Executive Director/Board Comments

--

Foundation Comments

--

Financials


Revenue vs. Expense ($000s)

Expense Breakdown 2016 (%)

Expense Breakdown 2015 (%)

Expense Breakdown 2014 (%)

Prior Three Years Total Revenue and Expense Totals

Fiscal Year 2016 2015 2014
Total Revenue $3,283,542 $2,839,982 $2,959,161
Total Expenses $3,238,752 $2,758,851 $3,074,624

Prior Three Years Revenue Sources

Fiscal Year 2016 2015 2014
Foundation and
Corporation Contributions
-- -- --
Government Contributions $0 $0 $0
    Federal -- -- --
    State -- -- --
    Local -- -- --
    Unspecified $0 $0 $0
Individual Contributions $1,624,168 $1,602,339 $1,375,950
Indirect Public Support $0 $0 $0
Earned Revenue $1,413,768 $1,005,486 $1,344,046
Investment Income, Net of Losses $20,979 $32,967 $8,510
Membership Dues $0 $0 $0
Special Events $223,634 $199,190 $230,655
Revenue In-Kind -- -- --
Other $993 $0 $0

Prior Three Years Expense Allocations

Fiscal Year 2016 2015 2014
Program Expense $2,785,627 $2,388,584 $2,653,832
Administration Expense $145,305 $191,453 $257,179
Fundraising Expense $307,820 $178,814 $163,613
Payments to Affiliates -- -- --
Total Revenue/Total Expenses 1.01 1.03 0.96
Program Expense/Total Expenses 86% 87% 86%
Fundraising Expense/Contributed Revenue 17% 10% 10%

Prior Three Years Assets and Liabilities

Fiscal Year 2016 2015 2014
Total Assets $9,698,003 $11,870,748 $12,009,944
Current Assets $6,519,410 $8,772,037 $8,790,085
Long-Term Liabilities $3,367,949 $3,534,763 $3,744,164
Current Liabilities $114,748 $140,424 $151,350
Total Net Assets $6,215,306 $8,195,561 $8,114,430

Prior Three Years Top Three Funding Sources

Fiscal Year 2016 2015 2014
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 Yes
How many months does reserve cover? 6.00

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 2016 2015 2014
Current Ratio: Current Assets/Current Liabilities 56.82 62.47 58.08

Long Term Solvency

Fiscal Year 2016 2015 2014
Long-term Liabilities/Total Assets 35% 30% 31%

CEO/Executive Director/Board Comments

--

Foundation Comments

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

Documents


Other Documents

No Other Documents currently available.

Impact

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?

Our primary goal is to provide affordable homeownership opportunities for qualified low-income families in the Greater Boston area. We also aim to provide meaningful volunteer opportunities for individuals and groups to help build houses alongside skilled construction professionals and partner families (soon-to-be Habitat homeowners). Our ReStore accepts donations of building materials, appliances, and furniture, reducing the amount of waste in landfills. The sale of these items provides revenue to pay for additional Habitat home construction. Habitat Greater Boston is dedicated to building energy-efficient homes, through extra insulation, high-efficiency gas heating, on-demand hot water heaters, low-flow shower heads, and solar electricity, with the dual goals of lowering Habitat homeowners' utility bills and reducing our impact on the environment.

2. What are your strategies for making this happen?

Our goal is to build 5-10 homes each year in partnership with low-income families selected for the Habitat program. Families are selected based on need, willingness to partner with Habitat, and ability to repay an affordable mortgage. Because Habitat provides no-interest financing to families to purchase their homes, every payment goes to principal, which helps them to build equity in their home immediately. In addition to partner families, many other individuals, corporate teams, schools, and faith communities volunteer at our construction sites and at our ReStore. We are dedicated to preserving the environment by building "green" homes and by reselling items at the ReStore.

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

For over 30 years, Habitat Greater Boston has worked with public and private partners to end substandard housing and increase affordable homeownership opportunities. Through a highly-skilled and dedicated staff of 30 and Board of Directors representing leaders in the real estate, construction, law, architecture, property management and affordable housing industries, Habitat Greater Boston is well positioned to continue making an impact in the community.

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

We measure our progress through the number people housed in Habitat homes, the numbers of volunteers engaged in the effort, and the number of donors and donations made in support of our work

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

As of spring 2018, Habitat Greater Boston has constructed or rehabbed homes that house more than 400 people. We have 14 homes in the pipeline for construction. In 2016, 1,244 donors made 1,804 gifts to Habitat Greater Boston. We have obtained grants for solar power and installed systems on 10 Habitat homes. Three installations are planned for the spring 2019.