CONCORD — Markeisha Douglas thought she was simply finishing up some paperwork on the closing of her new home Tuesday morning. What she got was a greeting from Warrick Dunn.
Public Notice – Housing Preservation Grant Application
For Immediate Release August 19, 2025
Public Notice – Housing Preservation Grant Application
This is to inform the public that Habitat for Humanity Cabarrus County, located at 8 Church Street S, Concord, NC 28025, intends to apply for grant funds from the United States Department of Agriculture (USDA) Rural Development under the Housing Preservation Grant (HPG) Program.
The purpose of the HPG Program is to provide grants to sponsoring organizations for the repair or rehabilitation of housing owned or occupied by low- and very-low-income rural residents. The proposed program will serve eligible households in the following service area: Cabarrus County, NC
Types of activities to be conducted under this program include but are not limited to: Roof replacement/repair, HVAC replacement/repair, modifications for accessibility, front porch/step replacement, for accessibility, minor electrical, sagging floors, ceilings, basic plumbing (hot water heaters, leaky fixtures, modified toilets), and removal of health and safety hazards.
Public comments are invited regarding this proposed application. All comments must be submitted in writing to Willmarie Austin, Director of Development at Habitat for Humanity Cabarrus County, 8 Church Street S Concord, NC 28025, or emailed to willmarie@habitatcabarrus.org . Comments will be accepted until September 4, 2025.
This public notice is being published to comply with USDA Rural Development requirements for the Housing Preservation Grant Program. Proof of publication of this notice will be included in our grant application.
About Habitat for Humanity of Cabarrus County:
Since 1989, Habitat Cabarrus has been dedicated to building strength, stability, and self-reliance through housing. The organization works alongside families, volunteers, and community partners to construct, rehabilitate, and preserve homes, ensuring that everyone has a decent place to live.
USDA Housing Preservation Grant- Habitat for Humanity Cabarrus County, NC
I. A complete discussion of the type and conditions for financial assistance for housing
preservation, including whether the request for assistance is for a homeowner
assistance program, a rental property assistance program, or a cooperative
assistance program.
Habitat for Humanity Cabarrus County proposes to use a total of $50,000 in USDA Housing
Preservation Grant (HPG) funds to support for the homeowner assistance program, with
critical home repairs for ten households located in rural communities of Cabarrus County,
North Carolina.
Habitat’s Home Repair Program provides affordable repairs to low-income homeowners in
Cabarrus County. The program’s target population is homeowners who struggle to afford
regular or critical home maintenance. The Home Repair program allows homeowners to
receive the repairs they need to continue to live safely in their homes and remain rooted in
their existing communities. Many residents served by this program are minorities, elderly
and/or disabled who earn less than 30% AMI. To be eligible for the program, the property must
be owner-occupied located in Cabarrus County and total household income must be 50% or
less of the AMI (80% for Veteran Households) and be current on property taxes. Homes
purchased in the last two years are not eligible.
Habitat Cabarrus is pursuing a partnership with USDA’s HPG program as part of the strategic
growth strategy for our home repair program designed to better meet community needs and
preserve affordable homeownership rehabilitation projects. Local housing and community
partners agree that there is a significant existing gap in services for low-income homeowners
whose homes need critical and substantial repairs as opposed to smaller modifications. In
response, Cabarrus Habitat’s implemented strategic vision for the Home Repair program is to
provide a comprehensive approach to the entire home.
While this approach requires significant investments in funding and staffing resources, it is a
promising strategy to meet multiple high-priority community goals. These goals include
promoting the health and well-being of elderly residents to ensure that they can age-in-place,
preserving Cabarrus County’s naturally occurring affordable housing, improving the energy
efficiency of our existing housing supply, and working to prevent further displacement of lowincome homeowners.
Before any work is done on an approved project, the homeowner will agree to pay HFHCC a
portion of the project costs. The amount to be paid by the homeowner will be a discounted
amount determined by family income level (percentage of Area Median Income) and the total
project costs.
Cabarrus County is excited for the opportunity to partner with USDA at this moment of growth
to better serve low-income homeowners living in rural communities, which are often under-
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
resourced for housing support compared to larger cities and suburban areas where more
programs and funding are typically available.
II. The process for selecting recipients for HPG assistance, determining housing
preservation needs of the dwelling, performing the necessary work, and
monitoring/inspecting work performed.
1. HFHCC receives a complete application- HFHCC will help qualified families on a first
come, first qualified basis. Under this system, applicants will receive points for falling into
certain categories of special need and income. The applications will be ranked according to
which receive the most points.
2. Screening of ApplicantsPriority Ranking System
Special Needs (for definitions, see below) Points
Disabled, Older Adult, or Veteran Head of Household (62 or older) 4
Disabled, Older Adult, or Veteran Household Member (not Head of
Household) 3
Single-Parent Household (with one or more children in the home) 3
Large Family (5 or more permanent residents) 2
Emergency (may submit without regard to application deadlines) 2
Child under six years of age with lead hazards in the home 2
Income (See Income Table above) Points
Less than 30% of County Median Income 10
30% to 50% of County Median Income 5
3. Preliminary Inspection- A Construction Team Member will visit the homes of potential
repair recipients to determine the need and feasibility of repairs/modifications.
4. Applicant Interviews- Approved applicants will be provided detailed information on
assistance, program repair/modification standards and the contracting procedures
associated with their project at this informational interview.
5. Work Write-up- Our Construction Team will visit the home again for a more thorough
inspection. All parts of the home must be made accessible for inspection, including the attic
and crawlspace, if any. The owner should report any known problems such as electrical short
circuits, blinking lights, roof leaks and the like. The Construction Team will prepare complete
and detailed work specifications (known as the “work write-up”). A final cost estimate will
also be prepared by the Construction Team and held in confidence until bidding is
completed.
6. Formal Agreement- After approval of the work write-up, the homeowner will sign a formal
agreement that will explain and govern the repair/modification process and an explanation of
the Promissory Note, which is considered a forgivable loan. This agreement will define the
roles of the parties involved throughout the process.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
7. Bidding- The work write-up and bid documents will be secured from contractors who are
part of the HFHCC’s approved contractor registry or by the HFHCC Construction Team. The
names of the invited contractors will be supplied to the homeowner upon request. Each will
need access to those areas of the house, in which work is to be performed, to prepare a bid.
8. Contractor Selection- Within 24 hours of receiving the bids, and after review of bid
breakdowns and timing factors, the winning bidder will be selected. All bidders and the
homeowner will be notified of (1) the selection, (2) the amount, (3) the amount of HFHCC’
cost estimate, (4) any support or contingency costs that will be included in the loan amount,
and (5) if other than the lowest bidder is selected, the specific reasons for the selection.
9. Execution of Loan and Contract- The loan will be executed as well as the
repair/modification contract prior to work beginning on the project. This contract will be
between the contractor and homeowner, with HFHCC signing as an interested third party.
10. Pre-construction Conference- Pre-construction meeting will be held at the home or via
phone. At this time, the homeowner, contractor, and program representatives will be present
to discuss the details of the work to be done. Starting and ending dates will be agreed upon,
along with any special arrangements such as weekend or evening work hours and disposition
of items to be removed from the home (such as old plumbing, etc.). The Homeowner
Agreement will be discussed and signed before the repair begins.
11. Construction- The contractor will be responsible for obtaining any required building
permits for the project before beginning work. The permit must be posted at the house during
the entire period of construction. The Construction Team will closely monitor the contractor
during the construction period to make sure that the work is being done according to the
work write-up (which is made a part of the rehabilitation contract by reference) and in a
timely fashion. Code Enforcement Officers will inspect new work for compliance with the
State Building Code as required. The homeowner will be responsible for working with the
contractor toward protecting personal property by clearing work areas as much as
practicable.
12. Change Orders- All changes to the scope of work must be submitted in writing as a
contract amendment (“change order”) and approved by all parties to the contract: the owner,
the contractor and two representatives of HFHCC. If the changes require an increase in the
loan amount, a loan modification stating these changes in the contract amount must be
completed by HFHCC and executed by the owner. If the changes result in a decrease in the
loan amount, an estoppel informing the homeowner of these changes in the contract amount
will be completed by HFHCC and conveyed to the owner.
13. Payments to Contractor- The contractor will be paid following inspection of and
satisfactory completion of all items on the work write-up and change orders, if any.
14. Post-construction Meeting- Following construction, the contractor and the Construction
Team will sit down with the homeowner one last time. At this meeting, the contractor will
hand over all owner’s manuals and warranties on equipment. The contractor and
Construction Team will go over operating and maintenance requirements for any new
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
equipment installed and discuss general maintenance of the home with the homeowner. The
homeowner will have the opportunity to ask any final questions about the work and the loan.
The Certificate of Satisfaction will be signed by the homeowner.
15. Closeout- Once each item outlined in section 13 has been satisfied and the homeowner
has signed a Certificate of Satisfaction, the job will be closed out (fully completed).
III. A description of the process for identifying potential environmental impacts in
accordance with § 1944.672 of this subpart, and the provisions for compliance with
Stipulation I, A-G of the PMOA (RD Instruction 2000–FF available in any Rural Development
office) in accordance with § 1944.673 (b) of this subpart. With the exception of Stipulation I,
D of the PMOA, this may be accomplished by adoption of Exhibit F–1 of this subpart
(available in any Rural Development office), or another process supplying similar
information acceptable to Rural Development. Habitat Cabarrus will follow all guidelines
from USDA as specified in § 1944.672 and RD Instruction 2000-FF to determine if an
environmental review is necessary for each project prior to beginning housing rehabilitation
work. This process may include:
• Utilize Federal Emergency Management Agency (FEMA) Floodplain Insurance Rate
Maps to determine if the property is located in a 100-year flood plain
• Utilize FEMA Standard Flood Hazard Determination resources to determine if the
property is located in a wetland.
• Utilize the following resources to determine if historic property guidelines apply:
o National Register of Historic Places NC
o State Historic Preservation Officer (SHPO)
o Records to determine age of property
• Other best practices/requirements specified by USDA for grant awardees
Please note that Coastal Barrier Resources Systems guidelines will not apply to properties in
Cabarrus County, NC. Habitat has prior experience with the Environmental Review process
for repair and new home construction projects and is prepared to use this process when
needed for projects supported by USDA HPG funds.
IV. The development standard(s) the applicant will use for the housing preservation work;
and, if not the Rural Development standards for existing dwellings, the evidence of its
acceptance by the jurisdiction where the grant will be implemented.
Habitat Cabarrus will apply a checklist of development standards for each project based on
standards created by Habitat for Humanity International and Habitat for Humanity Cabarrus
County Critical Home Repair Policy, intended to ensure a high standard of livability, safety
and quality. This comprehensive checklist covers all parts of the home, inside and out. These
are robust standards that meet state and local guidelines and best practices for repairs.
Please see grant attachments for the full Cabarrus County Comprehensive Repairs checklist.
V. The time schedule for completing the program.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Habitat plans to use the requested HPG funds from USDA to complete the proposed housing
preservation projects over a two-year period.
VI. The staffing required to complete the program.
Habitat Cabarrus has a highly experienced Home Repairs team who will lead the proposed
work.
Delores Bonner
Delores has managed all new residential construction projects for Habitat Cabarrus since
2018, including oversight of the Critical Home Repair Program. She evaluates applicant
needs, assigns contractors, and ensures compliance with program budgets. She also
partners with municipalities on state-funded repair programs, ensuring funds are maximized
for impact. Her technical certifications and general contractor license establish her as the
lead authority on construction quality, safety, and program delivery.
Skills- 35+ years of construction and project management. Licensed NC General Contractor;
certified in OSHA safety and EPA lead renovation. Direct management of Habitat Cabarrus
Critical Home Repair Program.
Andrea Doane
Andrea is the Critical Home Repair Coordinator at Habitat Cabarrus, handling applicant
intake, eligibility reviews, and administrative support for repair projects. She compiles
research, organizes documentation, and provides resource referrals to homeowners. Though
newer to the field, she contributes to the smooth operation of the program by ensuring
applications and project files are complete and organized. Her customer service background
supports strong communication with families during the repair process.
Skills- Critical Home Repair project administration. Application intake and eligibility
processing. Research, referrals, and applicant support.
Carol Knight
Carol currently serves as the Director of Finance for Habitat Cabarrus, where she manages
finance and compliance reporting for multiple state-funded repair programs.
Skills- Administration of state-funded Critical Home Repair grants (URP-21, URP-23, URP-24).
Aging in Place program certification. Contractor coordination, inspection follow-up, and
documentation management.
Erica Vaughan
Erica has over 25 years of nonprofit leadership experience, primarily in fundraising and
strategic initiatives. She has extensive experience building organizational capacity, securing
major gifts, and developing community programs. At United Way, she led multimillion-dollar
fundraising campaigns and managed community collaborations. Her expertise would
strengthen program sustainability, donor relations, and funding capacity for repair and
housing initiatives.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Skills- Strategic planning, project management, and team leadership. Experience in
fundraising, donor cultivation, and managing nonprofit budgets. Collaboration with
community organizations and event coordination.
Willmarie Davila Austin
Willmarie currently serves as the Director of Development at Habitat Cabarrus, managing the
homeowner application process and family support programs. She mentors families through
challenges and coordinates educational workshops on home maintenance, financial literacy,
and estate planning. Her background in community engagement and bilingual
communication makes her effective in reaching diverse families. She also has extensive
experience with volunteer coordination and building partnerships, critical for scaling home
repair efforts.
Skills-Bilingual (Spanish/English) with strong community development skills.
Heather Boyd
Heather has extensive experience in affordable housing, home repair, and disaster recovery
initiatives. She has managed homeowner services and repair programs for Housing
Assistance Corporation, Gateway Wellness Foundation and Henderson County Habitat,
including launching a Hurricane Helene Disaster Response Home Repair Program. As a
consultant, she has trained affiliates on compliance and home repair through NC Habitat for
Humanity and state agencies. Her certifications in housing counseling, financial capability,
and construction-related compliance make her highly skilled in both technical program
management and homeowner education.
Skills- 15+ years in affordable housing, lending, and repair programs. Certified HUD Housing
Counselor, USDA 502 Packager, and Lead Paint Assessor. Extensive grant management and
disaster recovery home repair program development.
VII. The estimated number of very low- and low-income minority and nonminority persons
the grantee will assist with HPG funds; and, if a rental property or cooperative
assistance program, the number of units and the term of restrictive covenants on their
use for very low- and low-income.
Habitat has a long history of completing repairs throughout Cabarrus County, including in
rural communities. We’ve reviewed previous client demographic data to give our best
estimate at this time of the projected demographics of clients to be supported by the
requested HPG funds. In FY24, the Critical Home Repair Program completed 71 repairs to 58
homeowners, of which 62% had a head of household who identified as Black or BIPOC, 33%
had income of less than 30% AMI, and 80% were women.
All HPG funds will be used for owner-occupied homes, not for rental properties or
cooperative assistance programs. Of the 10 homes for which Habitat Cabarrus is requesting
the support of HPG funds, we project the following populations served (data is for head-of
household and does not include additional individuals benefited):
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
• # of low-income minority households served: 3 (under 80% AMI)
• # of low-income non-minority households served: 2(under 80% AMI)
• # of very low-income minority households served: 3 (50% AMI)
• # of very low-income non-minority households served: 2 (50% AMI)
VIII. The geographical area(s) to be served by the HPG program.
Habitat Cabarrus will use the requested funds to serve qualified applicants living in rural
areas of Cabarrus County, North Carolina as defined by the USDA guidelines. This includes
communities such as Kannapolis, Harrisburg, Midland and unincorporated areas of the
County. Habitat already has a long-standing and active presence in these areas for both
repairs and new home construction, working in partnership with the community to create and
preserve affordable homeownership.
IX. The annual estimated budget for the program period based on the financial needs to
accomplish the objectives outlined in the proposal. The budget should include
proposed direct and indirect administrative costs; such as personnel, fringe benefits,
travel, equipment, supplies, contracts, and other cost categories, detailing those
costs for which the grantee proposes to use the HPG grant separately from non-HPG
resources, if any. The applicant budget should also include a schedule (with amounts)
of how the applicant proposes to draw HPG grant funds, i.e., monthly, quarterly, lump
sum for program activities, etc.
Habitat requests a total of $50,000. This includes indirect costs of $5,000. The remaining
$45,000 which be used for direct costs will be matched by an additional $469,000 from
Habitat and other funding sources. Therefore, the total program budget is approximately
$938,000 over two years. Major cost categories include about $840,000 for materials and
subcontracted labor for repairs, $92,000 for personnel (direct construction staff work on
site), and $6,000 for travel (fuel costs for travel within Cabarrus County).
Habitat anticipates spending to be roughly equal across eight quarters. We propose drawing
HPG funds quarterly at a rate of $6,250 per quarter for 8 quarters.
X. A copy of an indirect cost proposal when the applicant has another source of Federal
funding in addition to the Rural Development HPG program.
Habitat has not identified nor has plans to use additional sources of Federal funding to
support projects completed using HPG funds.
XI. A brief description of the accounting system to be used.
Habitat Cabarrus uses the QuickBooks Online accounting system, which provides a clear
delineation between administrative costs and construction contractor (non-administrative)
costs. The organization follows U.S. generally accepted accounting principles and uses the
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
accrual basis of accounting. The organization engages an experienced public accounting firm
to audit its financial statements each year, receiving a clean, unmodified opinion.
XII. The method of evaluation to be used by the applicant to determine the effectiveness
of its program which encompasses the requirements for quarterly reports to Rural
Development in accordance with 7 CFR 1944.683(b) and the monitoring plan for rental
properties and cooperatives (when applicable) according to 7 CFR 1944.689;
Habitat Cabarrus will evaluate the progress of its program and the efficient and appropriate
use of USDA funds on an ongoing basis and compile quarterly reports for internal and
external tracking and reporting. This evaluation will encompass the requirements laid out in 7
CFR 1944.683(b), including the following data:
• Client information including name, address, and demographic data such as income,
AMI and race
• The average amount of assistance provided to each household
• Total amount and costs for repairs, including the amount and use of HPG funds for
Housing Preservation and/or Replacement Housing, and non-USDA funds
• Information about project scope of work and major repairs made
• Type of assistance provided (interest subsidy, grant, loan, etc.)
• Results of implementing the environmental and historic preservation processes
XIII. The source and estimated amount of other financial resources to be obtained and
used by the applicant for both HPG activities and housing development and/or
supporting activities.
In addition to the requested funds, Habitat intends to obtain and use an additional $50,000
for direct costs related to HPG activities, giving a leverage rate of 50%. These funds will be
obtained as part of Habitat’s regular activities to secure operating funds for our annual
programs.
Restricted funding is generally obtained from sources such as local governments and private
donors, including individuals, businesses, foundations, and faith organizations. In addition,
unrestricted funding will also be used to support program activities. Unrestricted funding for
both HPG activities and other housing development and supporting activities is regularly
obtained from sources such as local governments, private donors, income from home sales
and mortgage payments, and Habitat for Humanity ReStore income.
XIV. The use of program income; if any, and the tracking system used for monitoring same.
Habitat’s home repair program has minimal program income, which consists solely of sliding
scale payments from clients. Habitat recently changed the sliding scale guidelines to remove
the nominal fee previously paid by those who earn less than 30% AMI, to ensure that
Cabarrus County’s most vulnerable residents can receive these services without any cost
barriers. The income is used to support Habitat services and operations. Habitat’s Director of
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Finance monitors program income using QuickBooks Online accounting system. Client
payments are invoiced by Habitat program staff at the time paperwork is signed and are due
to Habitat prior to work starting at the home. Program income is minimal to our overall budget
and is treated as unrestricted income.
XV. The applicant’s plan for disposition of any security instruments held by them as a
result of its HPG activities in the event of its loss of legal status.
In the event of its loss of legal status, the organization plans to dispose of any security
instruments held by assigning or transferring those instruments to the most appropriate
alternative party. In the case of instruments resulting from its HPG activities, these may be
assigned to the USDA as a primary funder if desired. Other possible assignees include the
government of Cabarrus County, other nearby Habitat for Humanity affiliates, or other
nonprofits doing similar work in the local area. If no suitable assignee can be identified, the
security instrument may be released or forgiven early.
XVI. Any other information necessary to explain the proposed HPG program.
Please see our supporting grant materials for additional information about Cabarrus
Habitat’s extensive experience in repairs, exciting growth plan, and readiness to partner with
USDA to preserve affordable homeownership for low-income residents in rural areas of
Cabarrus County, NC.
XVII. The outreach efforts outlined in 7 CFR 1944.671(b)
Housing Preservation Grant funds from USDA will allow Habitat Cabarrus to significantly
increase our impact in rural areas of Cabarrus County, and we will implement an outreach
plan that appropriately supports this opportunity. Habitat has long-standing and deep
connections with many faith-based organizations in rural communities that will provide an
avenue to advertise Housing Preservation opportunities and reach diverse communities.
These churches and faith groups actively volunteer with and fundraise for Habitat and have
been previously involved with our repair program. Habitat will also advertise opportunities
through various existing outreach channels as appropriate, which may include email, social
media, flyers and/or print media. Habitat has existing relationships with print and online
media outlets with County-wide audiences that include rural communities. If awarded funds,
Habitat is prepared to report on these outreach activities meeting all requirements pursuant
to 7 CFR 1944.671(b).
I. A complete discussion of the type and conditions for financial assistance for housing
preservation, including whether the request for assistance is for a homeowner
assistance program, a rental property assistance program, or a cooperative
assistance program.
Habitat for Humanity Cabarrus County proposes to use a total of $50,000 in USDA Housing
Preservation Grant (HPG) funds to support for the homeowner assistance program, with
critical home repairs for ten households located in rural communities of Cabarrus County,
North Carolina.
Habitat’s Home Repair Program provides affordable repairs to low-income homeowners in
Cabarrus County. The program’s target population is homeowners who struggle to afford
regular or critical home maintenance. The Home Repair program allows homeowners to
receive the repairs they need to continue to live safely in their homes and remain rooted in
their existing communities. Many residents served by this program are minorities, elderly
and/or disabled who earn less than 30% AMI. To be eligible for the program, the property must
be owner-occupied located in Cabarrus County and total household income must be 50% or
less of the AMI (80% for Veteran Households) and be current on property taxes. Homes
purchased in the last two years are not eligible.
Habitat Cabarrus is pursuing a partnership with USDA’s HPG program as part of the strategic
growth strategy for our home repair program designed to better meet community needs and
preserve affordable homeownership rehabilitation projects. Local housing and community
partners agree that there is a significant existing gap in services for low-income homeowners
whose homes need critical and substantial repairs as opposed to smaller modifications. In
response, Cabarrus Habitat’s implemented strategic vision for the Home Repair program is to
provide a comprehensive approach to the entire home.
While this approach requires significant investments in funding and staffing resources, it is a
promising strategy to meet multiple high-priority community goals. These goals include
promoting the health and well-being of elderly residents to ensure that they can age-in-place,
preserving Cabarrus County’s naturally occurring affordable housing, improving the energy
efficiency of our existing housing supply, and working to prevent further displacement of lowincome homeowners.
Before any work is done on an approved project, the homeowner will agree to pay HFHCC a
portion of the project costs. The amount to be paid by the homeowner will be a discounted
amount determined by family income level (percentage of Area Median Income) and the total
project costs.
Cabarrus County is excited for the opportunity to partner with USDA at this moment of growth
to better serve low-income homeowners living in rural communities, which are often under-
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
resourced for housing support compared to larger cities and suburban areas where more
programs and funding are typically available.
II. The process for selecting recipients for HPG assistance, determining housing
preservation needs of the dwelling, performing the necessary work, and
monitoring/inspecting work performed.
1. HFHCC receives a complete application- HFHCC will help qualified families on a first
come, first qualified basis. Under this system, applicants will receive points for falling into
certain categories of special need and income. The applications will be ranked according to
which receive the most points.
2. Screening of ApplicantsPriority Ranking System
Special Needs (for definitions, see below) Points
Disabled, Older Adult, or Veteran Head of Household (62 or older) 4
Disabled, Older Adult, or Veteran Household Member (not Head of
Household) 3
Single-Parent Household (with one or more children in the home) 3
Large Family (5 or more permanent residents) 2
Emergency (may submit without regard to application deadlines) 2
Child under six years of age with lead hazards in the home 2
Income (See Income Table above) Points
Less than 30% of County Median Income 10
30% to 50% of County Median Income 5
3. Preliminary Inspection- A Construction Team Member will visit the homes of potential
repair recipients to determine the need and feasibility of repairs/modifications.
4. Applicant Interviews- Approved applicants will be provided detailed information on
assistance, program repair/modification standards and the contracting procedures
associated with their project at this informational interview.
5. Work Write-up- Our Construction Team will visit the home again for a more thorough
inspection. All parts of the home must be made accessible for inspection, including the attic
and crawlspace, if any. The owner should report any known problems such as electrical short
circuits, blinking lights, roof leaks and the like. The Construction Team will prepare complete
and detailed work specifications (known as the “work write-up”). A final cost estimate will
also be prepared by the Construction Team and held in confidence until bidding is
completed.
6. Formal Agreement- After approval of the work write-up, the homeowner will sign a formal
agreement that will explain and govern the repair/modification process and an explanation of
the Promissory Note, which is considered a forgivable loan. This agreement will define the
roles of the parties involved throughout the process.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
7. Bidding- The work write-up and bid documents will be secured from contractors who are
part of the HFHCC’s approved contractor registry or by the HFHCC Construction Team. The
names of the invited contractors will be supplied to the homeowner upon request. Each will
need access to those areas of the house, in which work is to be performed, to prepare a bid.
8. Contractor Selection- Within 24 hours of receiving the bids, and after review of bid
breakdowns and timing factors, the winning bidder will be selected. All bidders and the
homeowner will be notified of (1) the selection, (2) the amount, (3) the amount of HFHCC’
cost estimate, (4) any support or contingency costs that will be included in the loan amount,
and (5) if other than the lowest bidder is selected, the specific reasons for the selection.
9. Execution of Loan and Contract- The loan will be executed as well as the
repair/modification contract prior to work beginning on the project. This contract will be
between the contractor and homeowner, with HFHCC signing as an interested third party.
10. Pre-construction Conference- Pre-construction meeting will be held at the home or via
phone. At this time, the homeowner, contractor, and program representatives will be present
to discuss the details of the work to be done. Starting and ending dates will be agreed upon,
along with any special arrangements such as weekend or evening work hours and disposition
of items to be removed from the home (such as old plumbing, etc.). The Homeowner
Agreement will be discussed and signed before the repair begins.
11. Construction- The contractor will be responsible for obtaining any required building
permits for the project before beginning work. The permit must be posted at the house during
the entire period of construction. The Construction Team will closely monitor the contractor
during the construction period to make sure that the work is being done according to the
work write-up (which is made a part of the rehabilitation contract by reference) and in a
timely fashion. Code Enforcement Officers will inspect new work for compliance with the
State Building Code as required. The homeowner will be responsible for working with the
contractor toward protecting personal property by clearing work areas as much as
practicable.
12. Change Orders- All changes to the scope of work must be submitted in writing as a
contract amendment (“change order”) and approved by all parties to the contract: the owner,
the contractor and two representatives of HFHCC. If the changes require an increase in the
loan amount, a loan modification stating these changes in the contract amount must be
completed by HFHCC and executed by the owner. If the changes result in a decrease in the
loan amount, an estoppel informing the homeowner of these changes in the contract amount
will be completed by HFHCC and conveyed to the owner.
13. Payments to Contractor- The contractor will be paid following inspection of and
satisfactory completion of all items on the work write-up and change orders, if any.
14. Post-construction Meeting- Following construction, the contractor and the Construction
Team will sit down with the homeowner one last time. At this meeting, the contractor will
hand over all owner’s manuals and warranties on equipment. The contractor and
Construction Team will go over operating and maintenance requirements for any new
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
equipment installed and discuss general maintenance of the home with the homeowner. The
homeowner will have the opportunity to ask any final questions about the work and the loan.
The Certificate of Satisfaction will be signed by the homeowner.
15. Closeout- Once each item outlined in section 13 has been satisfied and the homeowner
has signed a Certificate of Satisfaction, the job will be closed out (fully completed).
III. A description of the process for identifying potential environmental impacts in
accordance with § 1944.672 of this subpart, and the provisions for compliance with
Stipulation I, A-G of the PMOA (RD Instruction 2000–FF available in any Rural Development
office) in accordance with § 1944.673 (b) of this subpart. With the exception of Stipulation I,
D of the PMOA, this may be accomplished by adoption of Exhibit F–1 of this subpart
(available in any Rural Development office), or another process supplying similar
information acceptable to Rural Development. Habitat Cabarrus will follow all guidelines
from USDA as specified in § 1944.672 and RD Instruction 2000-FF to determine if an
environmental review is necessary for each project prior to beginning housing rehabilitation
work. This process may include:
• Utilize Federal Emergency Management Agency (FEMA) Floodplain Insurance Rate
Maps to determine if the property is located in a 100-year flood plain
• Utilize FEMA Standard Flood Hazard Determination resources to determine if the
property is located in a wetland.
• Utilize the following resources to determine if historic property guidelines apply:
o National Register of Historic Places NC
o State Historic Preservation Officer (SHPO)
o Records to determine age of property
• Other best practices/requirements specified by USDA for grant awardees
Please note that Coastal Barrier Resources Systems guidelines will not apply to properties in
Cabarrus County, NC. Habitat has prior experience with the Environmental Review process
for repair and new home construction projects and is prepared to use this process when
needed for projects supported by USDA HPG funds.
IV. The development standard(s) the applicant will use for the housing preservation work;
and, if not the Rural Development standards for existing dwellings, the evidence of its
acceptance by the jurisdiction where the grant will be implemented.
Habitat Cabarrus will apply a checklist of development standards for each project based on
standards created by Habitat for Humanity International and Habitat for Humanity Cabarrus
County Critical Home Repair Policy, intended to ensure a high standard of livability, safety
and quality. This comprehensive checklist covers all parts of the home, inside and out. These
are robust standards that meet state and local guidelines and best practices for repairs.
Please see grant attachments for the full Cabarrus County Comprehensive Repairs checklist.
V. The time schedule for completing the program.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Habitat plans to use the requested HPG funds from USDA to complete the proposed housing
preservation projects over a two-year period.
VI. The staffing required to complete the program.
Habitat Cabarrus has a highly experienced Home Repairs team who will lead the proposed
work.
Delores Bonner
Delores has managed all new residential construction projects for Habitat Cabarrus since
2018, including oversight of the Critical Home Repair Program. She evaluates applicant
needs, assigns contractors, and ensures compliance with program budgets. She also
partners with municipalities on state-funded repair programs, ensuring funds are maximized
for impact. Her technical certifications and general contractor license establish her as the
lead authority on construction quality, safety, and program delivery.
Skills- 35+ years of construction and project management. Licensed NC General Contractor;
certified in OSHA safety and EPA lead renovation. Direct management of Habitat Cabarrus
Critical Home Repair Program.
Andrea Doane
Andrea is the Critical Home Repair Coordinator at Habitat Cabarrus, handling applicant
intake, eligibility reviews, and administrative support for repair projects. She compiles
research, organizes documentation, and provides resource referrals to homeowners. Though
newer to the field, she contributes to the smooth operation of the program by ensuring
applications and project files are complete and organized. Her customer service background
supports strong communication with families during the repair process.
Skills- Critical Home Repair project administration. Application intake and eligibility
processing. Research, referrals, and applicant support.
Carol Knight
Carol currently serves as the Director of Finance for Habitat Cabarrus, where she manages
finance and compliance reporting for multiple state-funded repair programs.
Skills- Administration of state-funded Critical Home Repair grants (URP-21, URP-23, URP-24).
Aging in Place program certification. Contractor coordination, inspection follow-up, and
documentation management.
Erica Vaughan
Erica has over 25 years of nonprofit leadership experience, primarily in fundraising and
strategic initiatives. She has extensive experience building organizational capacity, securing
major gifts, and developing community programs. At United Way, she led multimillion-dollar
fundraising campaigns and managed community collaborations. Her expertise would
strengthen program sustainability, donor relations, and funding capacity for repair and
housing initiatives.
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Skills- Strategic planning, project management, and team leadership. Experience in
fundraising, donor cultivation, and managing nonprofit budgets. Collaboration with
community organizations and event coordination.
Willmarie Davila Austin
Willmarie currently serves as the Director of Development at Habitat Cabarrus, managing the
homeowner application process and family support programs. She mentors families through
challenges and coordinates educational workshops on home maintenance, financial literacy,
and estate planning. Her background in community engagement and bilingual
communication makes her effective in reaching diverse families. She also has extensive
experience with volunteer coordination and building partnerships, critical for scaling home
repair efforts.
Skills-Bilingual (Spanish/English) with strong community development skills.
Heather Boyd
Heather has extensive experience in affordable housing, home repair, and disaster recovery
initiatives. She has managed homeowner services and repair programs for Housing
Assistance Corporation, Gateway Wellness Foundation and Henderson County Habitat,
including launching a Hurricane Helene Disaster Response Home Repair Program. As a
consultant, she has trained affiliates on compliance and home repair through NC Habitat for
Humanity and state agencies. Her certifications in housing counseling, financial capability,
and construction-related compliance make her highly skilled in both technical program
management and homeowner education.
Skills- 15+ years in affordable housing, lending, and repair programs. Certified HUD Housing
Counselor, USDA 502 Packager, and Lead Paint Assessor. Extensive grant management and
disaster recovery home repair program development.
VII. The estimated number of very low- and low-income minority and nonminority persons
the grantee will assist with HPG funds; and, if a rental property or cooperative
assistance program, the number of units and the term of restrictive covenants on their
use for very low- and low-income.
Habitat has a long history of completing repairs throughout Cabarrus County, including in
rural communities. We’ve reviewed previous client demographic data to give our best
estimate at this time of the projected demographics of clients to be supported by the
requested HPG funds. In FY24, the Critical Home Repair Program completed 71 repairs to 58
homeowners, of which 62% had a head of household who identified as Black or BIPOC, 33%
had income of less than 30% AMI, and 80% were women.
All HPG funds will be used for owner-occupied homes, not for rental properties or
cooperative assistance programs. Of the 10 homes for which Habitat Cabarrus is requesting
the support of HPG funds, we project the following populations served (data is for head-of
household and does not include additional individuals benefited):
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
• # of low-income minority households served: 3 (under 80% AMI)
• # of low-income non-minority households served: 2(under 80% AMI)
• # of very low-income minority households served: 3 (50% AMI)
• # of very low-income non-minority households served: 2 (50% AMI)
VIII. The geographical area(s) to be served by the HPG program.
Habitat Cabarrus will use the requested funds to serve qualified applicants living in rural
areas of Cabarrus County, North Carolina as defined by the USDA guidelines. This includes
communities such as Kannapolis, Harrisburg, Midland and unincorporated areas of the
County. Habitat already has a long-standing and active presence in these areas for both
repairs and new home construction, working in partnership with the community to create and
preserve affordable homeownership.
IX. The annual estimated budget for the program period based on the financial needs to
accomplish the objectives outlined in the proposal. The budget should include
proposed direct and indirect administrative costs; such as personnel, fringe benefits,
travel, equipment, supplies, contracts, and other cost categories, detailing those
costs for which the grantee proposes to use the HPG grant separately from non-HPG
resources, if any. The applicant budget should also include a schedule (with amounts)
of how the applicant proposes to draw HPG grant funds, i.e., monthly, quarterly, lump
sum for program activities, etc.
Habitat requests a total of $50,000. This includes indirect costs of $5,000. The remaining
$45,000 which be used for direct costs will be matched by an additional $469,000 from
Habitat and other funding sources. Therefore, the total program budget is approximately
$938,000 over two years. Major cost categories include about $840,000 for materials and
subcontracted labor for repairs, $92,000 for personnel (direct construction staff work on
site), and $6,000 for travel (fuel costs for travel within Cabarrus County).
Habitat anticipates spending to be roughly equal across eight quarters. We propose drawing
HPG funds quarterly at a rate of $6,250 per quarter for 8 quarters.
X. A copy of an indirect cost proposal when the applicant has another source of Federal
funding in addition to the Rural Development HPG program.
Habitat has not identified nor has plans to use additional sources of Federal funding to
support projects completed using HPG funds.
XI. A brief description of the accounting system to be used.
Habitat Cabarrus uses the QuickBooks Online accounting system, which provides a clear
delineation between administrative costs and construction contractor (non-administrative)
costs. The organization follows U.S. generally accepted accounting principles and uses the
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
accrual basis of accounting. The organization engages an experienced public accounting firm
to audit its financial statements each year, receiving a clean, unmodified opinion.
XII. The method of evaluation to be used by the applicant to determine the effectiveness
of its program which encompasses the requirements for quarterly reports to Rural
Development in accordance with 7 CFR 1944.683(b) and the monitoring plan for rental
properties and cooperatives (when applicable) according to 7 CFR 1944.689;
Habitat Cabarrus will evaluate the progress of its program and the efficient and appropriate
use of USDA funds on an ongoing basis and compile quarterly reports for internal and
external tracking and reporting. This evaluation will encompass the requirements laid out in 7
CFR 1944.683(b), including the following data:
• Client information including name, address, and demographic data such as income,
AMI and race
• The average amount of assistance provided to each household
• Total amount and costs for repairs, including the amount and use of HPG funds for
Housing Preservation and/or Replacement Housing, and non-USDA funds
• Information about project scope of work and major repairs made
• Type of assistance provided (interest subsidy, grant, loan, etc.)
• Results of implementing the environmental and historic preservation processes
XIII. The source and estimated amount of other financial resources to be obtained and
used by the applicant for both HPG activities and housing development and/or
supporting activities.
In addition to the requested funds, Habitat intends to obtain and use an additional $50,000
for direct costs related to HPG activities, giving a leverage rate of 50%. These funds will be
obtained as part of Habitat’s regular activities to secure operating funds for our annual
programs.
Restricted funding is generally obtained from sources such as local governments and private
donors, including individuals, businesses, foundations, and faith organizations. In addition,
unrestricted funding will also be used to support program activities. Unrestricted funding for
both HPG activities and other housing development and supporting activities is regularly
obtained from sources such as local governments, private donors, income from home sales
and mortgage payments, and Habitat for Humanity ReStore income.
XIV. The use of program income; if any, and the tracking system used for monitoring same.
Habitat’s home repair program has minimal program income, which consists solely of sliding
scale payments from clients. Habitat recently changed the sliding scale guidelines to remove
the nominal fee previously paid by those who earn less than 30% AMI, to ensure that
Cabarrus County’s most vulnerable residents can receive these services without any cost
barriers. The income is used to support Habitat services and operations. Habitat’s Director of
RD Instruction 1944-N
Exhibit J
Effective Date 05/23/2025
Finance monitors program income using QuickBooks Online accounting system. Client
payments are invoiced by Habitat program staff at the time paperwork is signed and are due
to Habitat prior to work starting at the home. Program income is minimal to our overall budget
and is treated as unrestricted income.
XV. The applicant’s plan for disposition of any security instruments held by them as a
result of its HPG activities in the event of its loss of legal status.
In the event of its loss of legal status, the organization plans to dispose of any security
instruments held by assigning or transferring those instruments to the most appropriate
alternative party. In the case of instruments resulting from its HPG activities, these may be
assigned to the USDA as a primary funder if desired. Other possible assignees include the
government of Cabarrus County, other nearby Habitat for Humanity affiliates, or other
nonprofits doing similar work in the local area. If no suitable assignee can be identified, the
security instrument may be released or forgiven early.
XVI. Any other information necessary to explain the proposed HPG program.
Please see our supporting grant materials for additional information about Cabarrus
Habitat’s extensive experience in repairs, exciting growth plan, and readiness to partner with
USDA to preserve affordable homeownership for low-income residents in rural areas of
Cabarrus County, NC.
XVII. The outreach efforts outlined in 7 CFR 1944.671(b)
Housing Preservation Grant funds from USDA will allow Habitat Cabarrus to significantly
increase our impact in rural areas of Cabarrus County, and we will implement an outreach
plan that appropriately supports this opportunity. Habitat has long-standing and deep
connections with many faith-based organizations in rural communities that will provide an
avenue to advertise Housing Preservation opportunities and reach diverse communities.
These churches and faith groups actively volunteer with and fundraise for Habitat and have
been previously involved with our repair program. Habitat will also advertise opportunities
through various existing outreach channels as appropriate, which may include email, social
media, flyers and/or print media. Habitat has existing relationships with print and online
media outlets with County-wide audiences that include rural communities. If awarded funds,
Habitat is prepared to report on these outreach activities meeting all requirements pursuant
to 7 CFR 1944.671(b).
Habitat Cabarrus Hosts 14th Annual Golf Tournament at Rocky River Golf Club
CONCORD, NC – Habitat for Humanity of Cabarrus County is excited to announce its 14th Annual Golf Tournament, taking place at a new location and time of year! This year’s tournament will be held on Monday, June 9, 2025, at Rocky River Golf Club at Concord.
The event will feature an 18-hole Captain’s Choice tournament, bringing together local businesses, community leaders, and golf enthusiasts to raise funds for Habitat Cabarrus’ mission of building and repairing affordable homes. Registration begins at 8:00 a.m., with a shotgun start at 10:00 a.m. Participants will enjoy an on-the-go breakfast, lunch, and entry into contests, including Men’s and Women’s Longest Drive, Closest to the Pin, and Longest Putt.
Sponsorships, individual golfer spots, and foursome teams are still available, but space is filling up quickly.
Following the tournament, the 19th Hole Reception, sponsored by Uwharrie Bank, will take place in the clubhouse, featuring an awards ceremony, food, and a silent auction.
Supporting Affordable Housing in Cabarrus County
Proceeds from the tournament will directly support Habitat Cabarrus’ efforts to build and repair homes for families in need. Currently, two new home builds are in progress, and the organization has set a goal of completing 95 critical home repairs by June 30.
The Critical Home Repair Program provides essential repairs—such as roof replacements and HVAC system repairs—to help aging adults, veterans, and low-to-moderate-income families remain in safe, stable housing. As the need for these services grows, support from events like the annual golf tournament is more crucial than ever.
“This tournament is a great way for the community to come together, enjoy a fun day of golf, and make a real difference for families in Cabarrus County,” said Erica Vaughan, Executive Director. “Every sponsorship and registration helps provide safe, affordable housing to those who need it most.”
How to Get Involved
To register as a golfer or sponsor the event, visit https://www.habitatcabarrus.org/event/2025-golf-tournament/www.habitatcabarrus.org or contact Willmarie Austin at willmarie@habitatcabarrus.org.
About Habitat for Humanity of Cabarrus County:
Since 1989, Habitat Cabarrus has been dedicated to building strength, stability, and self-reliance through housing. The organization works alongside families, volunteers, and community partners to construct, rehabilitate, and preserve homes, ensuring that everyone has a decent place to live.
Since 1989, Habitat Cabarrus has been dedicated to building strength, stability, and self-reliance through housing. The organization works alongside families, volunteers, and community partners to construct, rehabilitate, and preserve homes, ensuring that everyone has a decent place to live.
For media inquiries, please contact:
Willmarie Austin
Director of Development
Habitat for Humanity of Cabarrus County
704-786-4001 ext. 104
willmarie@habitatcabarrus.org
Willmarie Austin
Director of Development
Habitat for Humanity of Cabarrus County
704-786-4001 ext. 104
willmarie@habitatcabarrus.org
Happy Thanksgiving from Habitat Cabarrus!
As we gather with loved ones this Thanksgiving, let’s take a moment to reflect on our neighbors and community. Not everyone may have the means to celebrate the holiday as they wish, and that’s okay. Life is a journey filled with seasons of comfort and challenge, but even amid difficulties, there are always blessings to acknowledge and moments of joy to cherish.
Let’s also take a moment to recognize those working through the holiday. While many of us enjoy a day of rest, countless members of our community will be hard at work to keep the world moving—making it possible for us to shop, eat, and celebrate. Let’s extend kindness and gratitude to them during this season.
This year, Habitat Cabarrus has been blessed to start construction on our 177th single-family home and is on track to complete over 400 Critical Home Repairs since our founding in 1989. These milestones remind us of the impact we can achieve when we come together to address the critical need for affordable housing.
It’s important to remember that affordable housing isn’t the enemy—it’s a solution. Our programs serve the very people who form the backbone of our community: those working in retail, healthcare, public service, hospitality, education, and more. These hardworking individuals often earn between 30% and 60% of the Area Median Income (AMI). For our homeownership program, we serve families earning up to 60% AMI, while our Critical Home Repairs program supports households earning up to 50% AMI. These income thresholds, provided annually by the Department of Housing and Urban Development, guide our mission to ensure safe and stable housing for those who need it most.
We are deeply thankful for you, our supporters. Whether you contribute your time, talents, or resources, you make an immeasurable difference in the work we do. Together, we are building not just homes, but hope and opportunity for families in Cabarrus County.
Wishing you and your loved ones a warm, joyful, and meaningful Thanksgiving.
With gratitude,
The Team of Habitat for Humanity of Cabarrus County
Habitat Cabarrus partners with Lowe’s to help Local Seniors ‘Age in Place’ by repairing homes
Concord, NC (October 20, 2023) –Habitat for Humanity Cabarrus County (Habitat Cabarrus) received a $31,166 Lowes grant to help fund more than 10 critical home repairs in Cabarrus County. More than 230 critical home repairs have been completed since 2020. Over 72% of those homeowners were seniors and 50% were disabled.
It was funding from this Lowe’s grant and collaboration with Mallard Creek Presbyterian Church’s mission team (Charlotte) that enabled Habitat Cabarrus to meet the repair needs (HVAC, roof and ramp) of Elmer and Hattie Mae who have been in their home for nearly 48 years. Elmer worked for Goodyear in Concord for 37 years, Hattie Mae worked as a CNA for 30+ years. In addition, Hattie Mae also served as a minister for the past 16 years.
In 2020, Hattie Mae had a series of five strokes, a heart attack and most recently a diagnosis of breast cancer in January 2023. For most people, just one of those diagnosis would have been devastating. For Hattie Mae and Elmer, they knew God had a purpose for her and their faith has kept them fighting. Now both in their 70s, Elmer and Hattie Mae need the love and support they have always shared with so many.
Elmer and Hattie Mae were referred to Habitat Cabarrus by the Department of Social Services and Cabarrus Health Alliance (Cabarrus County Health Department) for their repair needs.
“I am so grateful to Habitat Cabarrus for everything they’ve done for us,” said Hattie Mae.
Habitat Cabarrus is ‘Aging in Place’ certified by Habitat for Humanity International, so part of the Critical Home Repair program is to assess the home of those 62 years and older to ensure their home is safe for them. While making the assessment for Elmer and Hattie Mae, Habitat Cabarrus sited the need for grab bars and a wheelchair ramp to be installed for Hattie Mae since Elmer had been lifting her wheelchair up and down the stairs to go to her treatments.
The funding from Lowe’s is part of a two-year, $6 million donation to Habitat for Humanity International to support home repair and preservation efforts in owner-occupied homes. Through this
partnership more than 75 local Habitat affiliates will complete more than 480 projects this year to address critical health and safety issues in homes across the U.S. Since 2003, Lowe’s and Habitat have worked together to help more than 18,000 people build or improve a place to call home.
Habitat Cabarrus Receives $77,000 Grant from Wells Fargo to Expand Access to Affordable Homes in Cabarrus County
CONCORD, N.C. (May 8, 2023) –The Wells Fargo Foundation has awarded $77,000 in grant funding to Habitat for Humanity Cabarrus County (Habitat Cabarrus) for the third year in a row for a total of $237,000 in support of decent and affordable homes in Cabarrus County. Habitat Cabarrus is one of more than 230 Habitat for Humanity affiliates awarded grant funding nationwide through the 2023 Wells Fargo Builds program to help more, low to moderate income families access affordable homes.
The grant to Habitat Cabarrus along with the support of Wells Fargo volunteers will help fund four houses in the city of Concord in 2023.
“Wells Fargo is so much more than a financial donor to Habitat Cabarrus,” said Habitat Cabarrus CEO Bill Shelton. “The Wells Fargo volunteers have become part of the Habitat family. They support our future homeowners by attending home dedications and even one volunteer, Mike Robert, plans on joining our Weekday Warriors in the future. This is what a true community partnership looks like.”
“Wells Fargo is proud to continue our support of Habitat Cabarrus and their efforts to address affordable housing,” said Karen Lambert, Branch Banking Region Director for Wells Fargo in the Greater Charlotte Region. “Far too many people are facing housing instability and homeownership remains out of reach for millions of families. At Wells Fargo, we believe everyone should have a quality, affordable place to call home, which is the foundation for wellness, dignity, and economic opportunity.”
One of the future homeowners Willie, whose home will be partly funded by the grant is employed by Wells Fargo.
“As an employee of Wells Fargo and a future homeowner of Habitat Cabarrus, I’m grateful for not only the Wells Fargo Builds program but the Wells Fargo Community Giving program that allows me to volunteer 16 hours toward my Sweat Equity requirements,” said Willie. “It has been a challenge as a single mom, working full time and putting in 250 Sweat Equity hours with Habitat Cabarrus; but the program has been a blessing to me and my boys.”
In Cabarrus County, 25 percent of households spend over half of their income on housing.
This funding is part of a $7.5 million donation to Habitat for Humanity International through the 2023 Wells Fargo Builds program to build and repair more than 350 affordable homes nationwide.
Habitat for Humanity Cabarrus County receives a $90,000 grant from Lowe’s to improve home safety and health outcomes in Cabarrus County
Concord, N.C. (Dec. 10) — Habitat for Humanity Cabarrus County has received a $90,000 grant from Lowe’s to help complete 15 Critical Home Repair Projects in Cabarrus County. The funding is part of Lowe’s partnership renewal with Habitat for Humanity that includes a donation of $2.5 million to support 100 local Habitat organizations undertaking home repair and rehab projects across the U.S.
“We are excited to be a recipient of the Lowe’s Grant through Habitat for Humanity International. It gives us the opportunity to help older adults in Cabarrus County with essential repairs addressing their health and safety concerns,” said Carol Whittington, Habitat Cabarrus Critical Home Repair Coordinator.
Access to quality, affordable home repair and modification services continues to be out of reach for low to moderate income households across the nation. Habitat Cabarrus is addressing 15 projects that will include leaking roofs, heating and air concerns, and accessibility modifications. All project recipients are over the age of 62.
The Habitat Cabarrus Critical Home Repair Program addresses major safety concerns in homes by making necessary repairs at a subsidized rate. This allows homeowners to remain in their homes and preserve Cabarrus County’s dwindling affordable housing stock.
Lowe’s and Habitat began their partnership in 2003. Since then, Lowe’s has supported many of the global housing nonprofit’s efforts, including the Women Build Program and Habitat’s Neighborhood Revitalization program. Lowe’s has also supported Habitat’s Cost of Home national advocacy campaign and sponsored local Habitat builds and employee volunteer days, in addition to providing affiliate grants and donated products. Lowe’s commitment through 2022 will bring the company’s total contributions to Habitat to more than $84 million.
About Lowe’s
Lowe’s Companies, Inc. is a FORTUNE 50 home improvement company serving approximately 19 million customer transactions a week in the United States and Canada. With fiscal year 2021 sales of over $96 billion, Lowe’s and its related businesses operate or service nearly 2,200 home improvement and hardware stores and employ over 300,000 associates. Based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing and helping to develop the next generation of skilled trade experts. For more information, visit Lowes.com.
Wells Fargo donates $80,000 to Habitat Cabarrus to help more families in Cabarrus County access decent, affordable housing
CONCORD, NC (October 26, 2022) – Habitat for Humanity Cabarrus County (Habitat Cabarrus) is one of more than 230 Habitat for Humanity affiliates organizations awarded a grant from Wells Fargo as part of its nationwide initiative to help low-to-moderate income families construct and improve homes across the country. Habitat Cabarrus will receive $80,000 and use the funding to build four new homes in Cabarrus County, including in the cities of Kannapolis and Concord.
Habitat Cabarrus has built and closed on 176 homes since 1989 and manages the mortgages on 91 of them. Every future homeowner receives extensive financial training to give them the necessary tools to be successful long-term. At least one in every four Cabarrus County households spend over half of their income on housing and the number of Cabarrus County families who are struggling to afford rent is on the rise. Habitat Cabarrus is committed to building five new homes this fiscal year and complete 75 critical repairs to help its county residents move into affordable homes and keep current owner-occupied homes safe and livable.
“This is the second year we have been a recipient of Wells Fargo Builds funding,” said Habitat Cabarrus CEO Bill Shelton. “The Wells Fargo gifts totaling $160,000 not only impacts the lives of our current homeowners, but also the legacy of their families and future generations.”
Wells Fargo team members were on-site Thursday, October 20 volunteering their time on a Habitat home site. They worked side-by-side with the future homeowners in the Habitat program and a group of dedicated weekly volunteers known as “Weekday Warriors.”
The grant is part of a $7.75 million donation Wells Fargo is making to Habitat for Humanity International through Wells Fargo Builds, an initiative that provides philanthropic financial support and volunteerism to create sustainable affordable housing. More than 350 homes will be constructed or repaired with Habitat in over 40 states through the initiative this year. Wells Fargo Builds is part of Wells Fargo’s $1 billion philanthropic commitment to create more housing affordability solutions by 2025.
You or your business can join in a build today!
Samara Chapman Awarded Danna Conner Richardson Memorial Scholarship
Samara Chapman was awarded the $2,000 Dana Conner Richardson Memorial Scholarship recently, a scholarship presented annually by Habitat for Humanity Cabarrus County and the Richardson family in memory of Dana Conner Richardson, the late associate director for the organization.
“I knew a little about the scholarship and then Mr. Richardson explained it a lot more when I went to accept it,” said Chapman, who was presented the scholarship by Brent Richardson, husband of the late Dana Conner Richardson. “This means a lot to me, especially with the way she (Richardson) gave back to the community.”
10th Annual Habitat Cabarrus Golf Tournament Raises More Than $18,000
Another Habitat Cabarrus golf tournament is behind us and we wanted to take a moment to say how thankful we are for everyone that was involved. It was a beautiful, fun day with lots of fellowship, laughter, and some pretty good golf. In the process we were able to net over $18,000 to help our mission of decent, affordable housing for all in Cabarrus County.
The South Central Properties team walked away with the BIG PRIZE, claiming the 10th Annual Habitat Cabarrus Golf Tournament championship, which was played at the Club At Irish Creek. They carded a 57 in the captain’s choice tournament and won in a tiebreaker. The winning team was comprised of Will Lisk, Ben Yow, Patrick Smith and Walker Dabbs.
Habitat Cabarrus, Hard Work Open Door Of Opportunity For Grateful Single Mother Of Two
Ciera Butler has never been one to be ungrateful. For the past five years she was thankful to have a place she and her two young children could call home, even as she waged a constant battle against mold and insect infestations.
Those days are over though for the single mom.
She was presented the keys to her new Habitat For Humanity Cabarrus County home Thursday, bringing to fruition two years of hard, but joyful work toward her dream.
Play A Round Of Golf While Helping Habitat Cabarrus
Do you want to enjoy a round of golf and help Habitat Cabarrus with its mission of affordable, decent housing for everyone in Cabarrus County?
No problem. All you need to do is enter the 10th Annual Habitat Cabarrus Golf Tournament May 17 at The Club at Irish Creek in Kannapolis.
Habitat Cabarrus ReStore To Expand Hours Of Operation
KANNAPOLIS, N.C. (March 10, 2021) – The Habitat Cabarrus ReStore announced today it will expand its hours of operation beginning March 15, adding a full afternoon and an evening of shopping each week.
The ReStore will now be open from noon to 5 on Mondays and from noon to 7 p.m. on Wednesdays. The store will be closed Sundays and Monday and Wednesday mornings.
Habitat Cabarrus partners with UNC Charlotte on prototype home
CABARRUS COUNTY — UNC Charlotte is working with Habitat for Humanity Cabarrus County in producing a brand new type of home.
Architecture professor Marc Manack is heading up a project in which he and his students have been thinking of new ways to redesign a home for better efficiency and affordability.
Habitat for Cabarrus Resource Director Kimberly Jones spoke about the prototype at an affordable housing roundtable with U.S. Department of Housing and Urban Development Secretary Ben Carson in Kannapolis last month.
She dove further into the project with Professor Manack in a YouTube video Wednesday.
“We’re very appreciative you and your team took on this project and this challenge,” Jones said.
Single mother, KCS bus driver surprised by Warrick Dunn with fully furnished home
Douglas, who has worked for Kannapolis City Schools as a bus driver for the last three years, has been a part of Habitat for Humanity Cabarrus County for two now. During that time she has been raising her son Jonquez while staying with her grandparents.
She was thrilled to get a chance at homeownership from Habitat, but she wasn’t expecting all of the pomp and circumstance when she pulled up to her brand new home.
Washington family becomes first-time homeowners
CONCORD — Leroy and Tameko Washington were newlyweds in 2010, and then they were homeless. Now, they are homeowners.
Through circumstances far from their control, they spent a significant part of their early years of marriage living out of their cars or in motels while Leroy struggled to work due to health complications from a stroke.
It was an incredibly difficult situation to overcome and one others might not have.
On Thursday, the Washingtons were presented keys to their first home.
Wells Fargo Foundation Grant Awarded
Habitat for Humanity to Build and Repair 350 Homes with Wells Fargo Foundation Grant
Wells Fargo support for Habitat for Humanity International and local Habitat organizations reaches $100 million since 2010
ATLANTA – Habitat for Humanity International and Wells Fargo & Company (NYC: WFC) today announced an
$8 million donation from the Wells Fargo Foundation that will support the construction and repairs of safe and
affordable housing built in collaboration with 350 families in nearly 50 states.
DANA CONNER RICHARDSON SCHOLARSHIP AWARDED
KANNAPOLIS, N.C. (July 9, 2020) – Today, Habitat for Humanity Cabarrus County staff and the Richardson family presented the Dana Conner Richardson Memorial Scholarship to Kannapolis resident Jada Smith. Smith, a rising freshman at North Carolina A&T University, received $5,000 in honor of the 10th anniversary of the annual scholarship.
the restore needs your help!
Volunteers are the backbone of Habitat Cabarrus and Cabarrus ReStore.
They are the reason we can fulfill our mission of providing decent, affordable housing to our Cabarrus County neighbors in need.
HABITAT CABARRUS RESTORE REOPENING MAY 30
The Habitat Cabarrus ReStore located at 2902 South Cannon Blvd. in Kannapolis will reopen to the public Saturday, May 30. The store will operate from 10 a.m. – 5 p.m. Tuesday – Friday and 9 a.m. – 5 p.m. on Saturdays.
Due to the precautions associated with the ongoing COVID-19 pandemic, Habitat Cabarrus ReStore has been closed since mid-March. In order to maintain a safe shopping experience, all staff and guests will be required to wear masks while working and shopping when the store reopens.
Give back today with #GivingTuesdayNow
Cabarrus, NC (May 5, 2020) – In response to the growing need due to COVID-19, the global movement GivingTuesday has launched a new campaign #GivingTuesdayNow on May 5. The campaign is meant to foster support for charities, non-profits and other organizations at a grassroots level to encourage people to give back to their communities.
To kick off your #GivingTuesdayNow, check out this list of just a few organizations that serve the Cabarrus community.
Wells Fargo Contributes More than $11.5 Million to Habitat for Humanity
ATLANTA (Dec. 18, 2019) – Wells Fargo & Company is teaming up with Habitat for Humanity to help families stay in their homes and neighborhoods, and to champion advocacy work that helps people meet basic shelter needs, among other initiatives.
Prologis Employees Volunteer With Habitat Cabarrus During Company’s Seventh Global Day of Service
Concord, NC (May 17, 2019) – Employees from Prologis, a global logistics real estate company, volunteered with Habitat Cabarrus last month in the Magnolia Crossing neighborhood in Concord, NC, in celebration of IMPACT DAY, the company’s seventh annual day of service.