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South Shore Habitat for Humanity Inc.

 20 Mathewson Drive
 Weymouth, MA 02189
[P] (781) 3377744 x 14
[F] (781) 3373775
Beth Lyons
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 Printable Profile (Summary / Full)
EIN 22-2701789

LAST UPDATED: 01/16/2018
Organization DBA --
Former Names --
Organization received a competitive grant from the Boston Foundation in the past five years No



Mission StatementMORE »

South Shore Habitat for Humanity is a faith-based, 501(c)3 non-profit organization dedicated to delivering simple, decent, affordable homes in partnership with families in need.

Mission Statement

South Shore Habitat for Humanity is a faith-based, 501(c)3 non-profit organization dedicated to delivering simple, decent, affordable homes in partnership with families in need.

FinancialsMORE »

Fiscal Year July 01, 2017 to June 30, 2018
Projected Income $4,111,305.00
Projected Expense $3,014,534.00

ProgramsMORE »

  • Community Outreach Program
  • Family Housing Program
  • Mortgage Program

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.


Mission Statement

South Shore Habitat for Humanity is a faith-based, 501(c)3 non-profit organization dedicated to delivering simple, decent, affordable homes in partnership with families in need.

Background Statement

South Shore Habitat for Humanity was founded in Norwell in 1986 as an affiliate of Habitat for Humanity International. We serve 35 cities and towns south and southwest of Boston. Together with our volunteers and donors, we have provided affordable housing for 100 adults and 200 children and have delivered 58 homes to local families. Additionally, we have provided funding and services to 213 families in El Salvador, our sister international affiliate.

Impact Statement

Our goal is to help low income families build strength, stability and self-reliance through affordable home ownership. Every day, more and more families find themselves in a struggle to keep a decent roof over their heads. Caught in punishing cycles of unpredictable rent increases, overcrowded conditions, or lack of access to land and affordable financing, these families live with a constant burden of uncertainty, stress and fear.

South Shore Habitat for Humanity knows that safe, decent and affordable shelter plays a critical role in helping families to create a new cycle, one filled with possibilities and progress. Affordable homeownership frees families and fosters the skills and confidence they need to invest in themselves and their communities. The outcomes can be long-lasting and life-changing.

With a little help, Habitat homeowners are able to achieve the strength and self-reliance they need to build better lives for themselves and their families. They are empowered to overcome the barriers that so often stand between their families and better, healthier, more financially stable lives. Homeowners not only purchase the homes, but the provide sweat equity and physically build their own homes.

We are please about our top 3 accomplishments:

1. Capacity Building Grant - South Shore Habitat for Humanity received a competitive grant through Habitat for Humanity International to increase organizational capacity. The funds were granted to help off set the cost of a Manager for our 1st ReStore.

2. Opening our 1st ReStore - 357 Columbia Road, Hanover. ReStores are community donation centers open to the public to shop, donate, and volunteer. There are 4 purposes to ReStore:

Objective 1: Provide to the public quality new and used building materials, home improvement materials, furniture, appliances, and decor supplies at prices far below retail. This service will allow ReStore patrons to make home improvements at a lower cost.

Objective 2: Protecting the environment. We accept items and building materials which would ultimately end up in landfills. Instead, these items will be reused and recycled. Much like our mission of eradicating the cycle of poverty housing, we want to break the cycle of environmental degradation by limiting waste and reducing the volume of material going to landfills.

Objective 3: Provide a significant, consistent and sustainable revenue stream for our affiliate. After an initial start-up and growth phase, the ReStore will generate substantial unrestricted funding to be used to expand its capacity to provide more decent, low-cost housing to more local families.

Objective 4: Provide an opportunity for increased volunteerism and workforce development. Our home building projects limit the number of volunteers who can work on-site each day. This often makes it difficult for larger companies who want to provide volunteers. The ReStore will increase our ability to engage youth. Volunteers must be 16 to work on-site, but can volunteer at a younger age at the ReStore.

Goals for Current Year:

1. Increase Development Resources & Staffing

2. Increase Revenue Generated at the ReStore over FY17

3. Increase Housing Production Pipeline

4. Board Development - Clearly define a board culture and expectations and attract new members

5. Upgrade technology, including phones and website to integrate development and volunteer engagement

Needs Statement

1. Increased Revenue - Specifically - raising $1.8M to build a new 6-unit subdivision in Duxbury

2. Increase Volunteers - Offset staffing and expenses by increasing skills based volunteering

3. Identify and qualify new homeowner applicants

4. Identify and secure new in-kind material and service provider vendors to provide materials for increased production pipeline.

CEO Statement

We are proud to inform you that SSHFH has earned a Four Star rating from Charity Navigator for the third consecutive year, placing us in the top 5% of charities evaluated nationwide. We strive throughout the year to manage our administrative and fundraising costs to ensure your donations are being used wisely. In fact, 87% of every dollar donated in FY17 went directly toward our programs for housing. It is our intention to deliver 12 new homes by 2020. This endeavor will put us on pace to deliver an additional 57 homes in little over a decade. That is impact!

Board Chair Statement

I am proud to work with South Shore Habitat for Humanity because I believe we are the primary builder of affordable family homes on the South Shore. We build simple, safe, affordable family homes with a combination of donated labor, donated materials, often donated land and with financial support primarily from private sources. To date we have built 58 homes for families who would be unable to afford a home of their own without the “hand-up” that we gave them. We pride ourselves on giving our partner families a “hand up not a hand out” by requiring them to provide up to 500 hours of donated labor per home and by selling them the home at a very affordable price, and we typically provide the financing for them at a 0% interest rate.

We strive to help families in need stabilize their lives by helping them obtain a permanent home at a cost which they can afford. While we are only able to help a modest number of families on an annual basis, we are ramping up our production with the goal to complete 12 additional homes by 2020. The homes we build are life changing for the families that buy them.

Geographic Area Served

South Shore Habitat for Humanity serves 35 cities and towns including the following: Abington, Avon, Braintree, Bridgewater, Brockton, Canton, Cohasset, Duxbury, Easton, East Bridgewater, Hanover, Halifax, Hanson, Hingham, Holbrook, Hull, Marshfield, Medfield, Medway, Millis, Milton, Norwell, Norwood, Pembroke, Quincy, Randolph, Rockland, Scituate, Sharon, Stoughton, Walpole, Westwood, West Bridgewater, Weymouth, and Whitman.

Organization Categories

  1. Housing, Shelter - Housing Development, Construction & Management
  2. Human Services - Human Services
  3. Community Improvement, Capacity Building - Community & Neighbourhood Development

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



Community Outreach Program

Community Outreach Program: This program provides members of the community with the opportunity for volunteerism and civic engagement. We promote neighborhood stabilization and community reinvestment empowering individuals and families to become vital contributors to their community through homeownership and volunteerism. South Shore Habitat for Humanity relies on individual volunteers from all walks of life to build our homes. While we do use specialized contractors for certain aspects of construction, 90% of the building is done by volunteers. Volunteers physically build our homes, but more importantly, they serve as stewards for our mission. Our philosophy is to provide a hand-up, not a hand-out. We believe in the community coming together – Neighbors Helping Neighbors – to end the cycle of poverty housing and to change the lives of those we serve.

Budget  $171,633.00
Category  Community Development, General/Other Community Renewal
Population Served Families Children and Youth (0 - 19 years) Other Economic Level
Program Short-Term Success 
Volunteer Engagement
Giving Back
Program Long-Term Success 
Committed Volunteers
Program Success Monitored By  Annual Giving
Examples of Program Success  # of Volunteers

Family Housing Program

Family Housing Program: This program educates families on financial literacy and homeownership. We offer our families the opportunity to build their own simple, decent and affordable home. Family Partners take pre and post-closing financial education classes, including financial literacy, home maintenance, and a wide range of other courses designed for homeownership. Family Partner's must be willing to work in partnership with Habitat through positive and active involvement through sweat equity. Family Partners must be willing to complete 250 to 500 hours of sweat equity by attending classes and workshops, volunteering at the Habitat ReStore, participating in events, and building on other homes as well as their own.

Budget  $759,483.00
Category  Housing, General/Other Affordable Housing
Population Served Families Children and Youth (0 - 19 years) Adults
Program Short-Term Success  Our short term goal is attained when the home is completed and delivered for purchase by the homeowner. Success is measured one home, one family at a time. South Shore Habitat for Humanity is proud to state that 80% of the homes built by South Shore Habitat are still owned and occupied by the original owners. Habitat families invest in their future by purchasing a home, but they invest in their community by staying in their homes.
Program Long-Term Success 

Our long term goal is to increase the number of affordable housing units available for local families in need and to promote neighborhood stabilization and community reinvestment. The South Shore has a deficit of 44,000 units of housing, and the need for affordable housing is critical.

Providing a Solution to the Housing Crisis: Providing simple, decent, affordable homes in partnership with families in need.

  • An estimated 12 million renter and homeowner households now pay more than 50 % of their annual incomes for housing.

A Habitat mortgage is at or below 30% of a families gross income.

  • A family with one full-time worker earning the minimum wage cannot afford the local fair-market rent for a two-bedroom apartment anywhere in the United States.

A Habitat home is approximately 1,200 square feet and typically has 3 bedrooms and 1 ½ bathrooms.

  • The lack of affordable housing is a significant hardship for low-income households preventing them from meeting their other basic needs, such as nutrition and healthcare, or saving for their future and that of their families.

A Habitat home enables low-income families to provide for their families and ensure that they are living in a safe and healthy environment.

(Statistics provided by the Department of Housing and Urban Development)

Program Success Monitored By  Payment of Mortgage
Examples of Program Success 

Approximately 95 million Americans or one third of the nation have housing problems, almost 16 million of these people pay 30% or more of their gross annual income for their housing costs, and one in seven pay 50% or more. The number of low-income families that lack safe and affordable housing is directly related to the number of children who suffer from asthma, viral infections, anemia, and stunted growth. There are 10,000 children hospitalized each year due to asthma attacks from cockroach infestations, and more than 180 children die in house fires attributable to faulty electrical and heating systems. Children residing in substandard housing situations also have an increased risk of health and mental illness issues into their adulthood. Now, 1 out of 7 children in Massachusetts, live in poverty. There is a direct correlation between a person’s housing situation and health issues.

We will be conducting a survey of our 58 families. Statistics to follow.

Mortgage Program

Mortgage Program: This program typically provides families with a 30-year/zero interest mortgage loan and on-going servicing of their mortgage. South Shore Habitat has approximately 40 mortgages in its full portfolio.

Budget  $197,644.00
Category  Housing, General/Other Housing Support
Population Served Families Adults General/Unspecified
Program Short-Term Success  Short term success is based on the on-time payment of monthly mortgage and taxes.
Program Long-Term Success  38/58 homes are still owned and occupied by the original owners. Additionally 4 families have paid off their mortgages.
Program Success Monitored By  Mortgage Payment Decrease
Examples of Program Success  Stats for Homeowners

CEO/Executive Director/Board Comments



CEO/Executive Director Ms. Martine L. Taylor
CEO Term Start Sept 2010
CEO Email
CEO Experience

Martine Taylor joined South Shore Habitat for Humanity (SSHH) in August of 2010. Prior to joining SSHH Martine worked for Project Hope, a multi-service agency that provides low-income women access to education, jobs, housing and emergency services in Boston where she served as a consultant for the Development and Operations Departments. Martine was responsible for client relations, strategic planning, special event planning, and organizational development. Prior to joining Project Hope, Martine worked as the Director of Strategic Development for Richard White Sons, Inc., a prominent New England construction management and general contracting firm. Martine focused on expanding the existing client base and developing new business. In addition, she assisted the firm in assessing short and long term strategic goals to foster company growth and expansion.

Most of her career has been spent in the non-profit sector. For ten years, she served as the Executive Director for Rebuilding Together Boston (RTB), an affiliate of a national non-profit organization that renovates homes of low-income homeowners and non-profit facilities. RTB’s initiatives focus on providing safety, security, and independence to their recipients, while preserving home ownership and reducing the risk of homelessness. As Executive Director, Martine was responsible for the overall development, management, and execution of all programs and services offered by Rebuilding Together Boston. During her tenure with RTB she served as the New England representative and Secretary of the National Affiliate Council (NAC), has served on the National Conference Planning Committee, and National Committee on Advocacy and Public Policy. During Martine’s term on the NAC she was instrumental in helping the National Organization (RT) develop the Standards of Excellence and a new Affiliate Partnership agreement.

Martine has served as the Director of the Christian Youth Conference in Ocean Park, ME, was the former Director of the Massachusetts Youth Leader Core, a state-wide youth development program for high school youth, and is actively involved in her church, The First Baptist Church in Needham, MA where she has served as Trustee and is now currently Vice Chair of the Deaconate.

Martine has a Bachelor of Science Degree in Family Studies, with a concentration in Family Relations from the University of New Hampshire.

Co-CEO --
Co-CEO Term Start --
Co-CEO Email --
Co-CEO Experience --

Former CEOs and Terms

Name Start End
Mark O'Reilly Sept 2007 May 2010
Jerry McDermott Jan 2006 Aug 2007

Senior Staff

Name Title Experience/Biography
Noreen Browne Director of Program Services Noreen Browne is a real state professional with more than 20 years of experience in real estate sales and development, marketing, and asset management. She is currently the Director of Program Services for South Shore Habitat for Humanity in Weymouth. She is responsible for family recruitment and selection, coordination of closings, loan origination, location of future projects and real estate transfers. Prior to working for SSHH she was the Sales Operations Manager for Northland Residential Corporation. Noreen graduate from American University and received a Paralegal certificate from Bentley College. She is a licensed real Estate Broker, a certified new Home Sales Professional and a Certified Manager of Community Associations.
Richard McGowen Director of Operations

Dick has been a volunteer with South Shore Habitat for Humanity since 2006. He became the Chair of the Finance Committee in early 2007 and joined the Board of Directors in the fall of 2007 as the Vice President of Administration. Dick was asked to serve as Interim Executive Director from May to August of 2010 while a search was conducted for an Executive Director. In September 2010, Dick joined the staff as the Director of Operations where he is responsible for Construction, Fiscal, and IT management, as well as Human Resources.

Prior to taking early retirement, Dick spent 24 years in the insurance industry with Canton based One Beacon Insurance Company, a $2 Billion Property and Casualty insurer. Dick was Director of Finance and Administration for the IT Division where he led a team that successfully implemented process automation and improvement in the areas of planning, budgeting, forecasting, cost allocations, management reporting and contract management. In addition, he provided oversight for a $200 million dollar budget and overall financial operations. Prior to that he served as the Manager of Financial Systems for Corporate Finance where they provided systems support and implemented a number of automation initiatives that improved productivity and reduced ongoing expenses.

Along with a wealth of management experience and demonstrated leadership skills, Dick has a successful track record in project management, financial oversight and process improvement. In his spare time, he enjoys woodworking and landscaping projects and he has hands on experience building houses.

Dick has a B.A. from Stonehill College.

Evelyn L. Nelson Vice President of Development

Evelyn Nelson ‘Evy” to her many friends and colleagues, is South Shore Habitat for Humanity’s Vice President of Development. As a former executive Evy began donating her time to Habitat after she semi-retired from a career in software sales. In her self-funded role as Vice President of Development she works to create efficient processes that have expanded Habitat’s reach and aided in the development of a comprehensive program that helps prepare partner families for homeownership.

An active community member and social activist, she has also made significant financial contributions to other local charities including Jett Foundation, where she serves on the Board of Directors as Vice –Chair.

Evy has been a volunteer with Habitat for Humanity since 2011 and currently oversees the development group and all fundraising activities. Through her leadership and tireless work with volunteers, local corporations and the construction industry, she has directly supported the fundraising efforts over the last seven years. These efforts have positioned the organization for tremendous growth and success and, more importantly, provided the valuable strategic leadership needed to position the organization for the successful attainment of both the strategic and operational plan for expansion throughout the 35 cities and towns served.


Award Awarding Organization Year
CEO/Women of Fire - Martine Taylor Banker and Tradesman 2017


Affiliation Year
Affiliate/Chapter of National Organization (i.e. Girl Scouts of the USA, American Red Cross, etc.) - Affiliate/chapter 2017
Associated Grant Makers 2017
Massachusetts Nonprofit Network 2017
Association of Fundraising Professionals - Member --
Housing Partnership Network --
National Affordable Housing Management Association --
National Affordable Housing Trust (NAHT) --
National Association of Home Builder --
Member of state association of nonprofits? Yes
Name of state association Massachusetts Nonprofit Network

External Assessments and Accreditations

External Assessment or Accreditation Year
Charity Navigator 2016



CEO/Executive Director/Board Comments


Foundation Comments


Staff Information

Number of Full Time Staff 11
Number of Part Time Staff 1
Number of Volunteers 1,000
Number of Contract Staff 0
Staff Retention Rate % --

Staff Demographics

Ethnicity African American/Black: 0
Asian American/Pacific Islander: 0
Caucasian: 12
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): --
Gender Female: 6
Male: 6
Not Specified 0

Plans & Policies

Organization has Fundraising Plan? Yes
Organization has Strategic Plan? Yes
Years Strategic Plan Considers 3
Management Succession Plan No
Business Continuity of Operations Plan No
Organization Policies And Procedures No
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

Accident and Injury Coverage
Automobile Insurance
Builders Risk
Commercial General Insurance
Commercial General Liability
General Property Coverage
Medical Health Insurance
Special Event Liability
Umbrella or Excess Insurance

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


Board Chair Mr. James Duff
Board Chair Company Affiliation Bridgewater Savings Bank
Board Chair Term Sept 2017 - Sept 2018
Board Co-Chair --
Board Co-Chair Company Affiliation --
Board Co-Chair Term -

Board Members

Name Company Affiliations Status
Peter Brown State Street Bank Voting
Mark Buchholz Boston Church of Christ Voting
Dustin DeMeritt Radius Financial Group Voting
James Duff Bridgewater Savings Voting
Jonathan Gabriel Foley Voting
Stephen Marshall Retired Voting
Mark McKinnon Commonwealth Bank Voting
Michael McMahon Hill and Partners Voting
Matthew Mulroney KPM Voting
Sharon Mutrie Bay Copy Voting
Glenn Tattrie South Shore Bank 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: 0
Asian American/Pacific Islander: 0
Caucasian: 11
Hispanic/Latino: 0
Native American/American Indian: 0
Other: 0
Other (if specified): 0
Gender Female: 1
Male: 10
Not Specified 0

Board Information

Board Term Lengths 3
Board Term Limits 2
Board Meeting Attendance % 95%
Written Board Selection Criteria Yes
Written Conflict Of Interest Policy Yes
Percentage of Monetary Contributions 100%
Percentage of In-Kind Contributions 100%
Constituency Includes Client Representation No

Standing Committees

  • Building
  • Executive
  • Finance
  • Governance and Nominating
  • Human Resources / Personnel

CEO/Executive Director/Board Comments


Foundation Comments



Revenue vs. Expense ($000s)

Expense Breakdown 2016 (%)

Expense Breakdown 2015 (%)

Expense Breakdown 2014 (%)

Fiscal Year July 01, 2017 to June 30, 2018
Projected Income $4,111,305.00
Projected Expense $3,014,534.00
Form 990s

2016 Form 990

2015 Form 990

2014 Form 990

Audit Documents

2016 Audited Financials

2015 Audited Financials

2014 Audited Financials

IRS Letter of Exemption

IRS Letter of Determination

Prior Three Years Total Revenue and Expense Totals

Fiscal Year 2016 2015 2014
Total Revenue $1,665,086 $1,715,548 $1,395,286
Total Expenses $1,692,846 $1,599,481 $1,359,967

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 $1,114,138 $1,065,741 $694,096
Indirect Public Support $0 $0 $0
Earned Revenue $244,207 $320,000 $354,461
Investment Income, Net of Losses $1 $1 $1
Membership Dues $0 $0 $0
Special Events $212,028 $204,894 $204,389
Revenue In-Kind -- -- --
Other $94,712 $124,912 $142,339

Prior Three Years Expense Allocations

Fiscal Year 2016 2015 2014
Program Expense $1,445,401 $1,334,913 $1,115,285
Administration Expense $60,155 $64,946 $65,492
Fundraising Expense $187,290 $199,622 $179,190
Payments to Affiliates -- -- --
Total Revenue/Total Expenses 0.98 1.07 1.03
Program Expense/Total Expenses 85% 83% 82%
Fundraising Expense/Contributed Revenue 14% 16% 20%

Prior Three Years Assets and Liabilities

Fiscal Year 2016 2015 2014
Total Assets $1,940,257 $1,809,183 $1,731,534
Current Assets $1,563,965 $1,743,810 $1,670,422
Long-Term Liabilities $0 $0 $0
Current Liabilities $196,469 $37,634 $76,052
Total Net Assets $1,743,788 $1,771,549 $1,655,482

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 N/A
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 2016 2015 2014
Current Ratio: Current Assets/Current Liabilities 7.96 46.34 21.96

Long Term Solvency

Fiscal Year 2016 2015 2014
Long-term Liabilities/Total Assets 0% 0% 0%

CEO/Executive Director/Board Comments


Foundation 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.


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?

Eradicating substandard housing.

2. What are your strategies for making this happen?

Creating affordable housing. Empowering individuals. Volunteer engagement.

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

Building affordable homes with 0% mortgage.

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


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

We have not yet served all 35 cities and towns.