A WINTHROP ROCKEFELLER FOUNDATION/KLEK COLLABORATION

Jonesboro, Arkansas – December 19, 2024 – In an engaging installment of Community Conversations on KLEK 102.5 FM, host LaGanzie Kale brought Angie Abaunza, Executive Director of Habitat for Humanity in Jonesboro, back to the studio to dive deep into the organization’s pivotal role in supporting the ALICE population. This insightful discussion highlighted how Habitat’s initiatives are transforming lives by addressing housing insecurity and promoting economic mobility among families living paycheck to paycheck.

Who Are the ALICE Populations?

The term ALICE—Asset Limited, Income Constrained, and Employed—refers to individuals and families who earn above the federal poverty threshold but still struggle to cover basic living expenses such as housing, transportation, and childcare. These households often face a precarious financial situation, leaving them vulnerable to unexpected expenses and limiting their opportunities for long-term stability.

Abaunza explained how Habitat for Humanity focuses on this population to address housing affordability, particularly in Northeast Arkansas, where local housing costs frequently exceed what many ALICE families can afford. “These families are not in poverty by definition, but they are barely making ends meet,” she said. “Our goal is to help them achieve stability through homeownership.”

Eligibility and Support: Breaking Down the Process

To serve ALICE populations, Habitat for Humanity has developed a streamlined process to identify and assist qualifying families. Eligibility is determined by three criteria:

• Need: Applicants must demonstrate a genuine need for affordable housing, whether due to substandard living conditions, overcrowding, or other challenges.
• Affordability: Families must show the ability to repay a zero-interest mortgage adjusted to their income level, with monthly payments typically below $500.
• Willingness to Partner: Selected families contribute “sweat equity,” participating in the construction or repair of their homes and completing educational programs to prepare for homeownership.

Through these measures, Habitat ensures that families not only gain access to housing but also acquire the skills and knowledge needed to sustain it. Abaunza highlighted how Habitat tailors its approach to accommodate participants’ circumstances, such as elderly or disabled applicants who may be unable to contribute physically.

Affordable Housing: A Game-Changer in Jonesboro

In a region where rental costs for even modest housing can start at $900 and climb significantly higher, Habitat for Humanity offers a lifeline for ALICE families. By providing zero-interest mortgage loans with flexible payment plans, the organization enables families to break free from the cycle of unaffordable rent and achieve long-term stability.

“Owning a home through Habitat means paying less than half of what many families currently spend on rent,” Abaunza noted. “It’s not just about affordability—it’s about creating a stable environment where families can thrive.”

Beyond the Basics: Holistic Support for Homeowners

Habitat’s mission extends far beyond building homes. The organization provides extensive educational programming to prepare families for the responsibilities of homeownership. Key components of this support include:

• Financial Literacy: Courses on budgeting, saving, and opening bank accounts for those who may never have had one.
• Home Maintenance Training: Practical guidance on repairs and upkeep to ensure families can care for their new homes.
• Legal Education: Workshops to familiarize families with the documentation and legal processes involved in purchasing a home.
• Community Engagement: Sessions with local law enforcement and city officials to educate homeowners on neighborhood regulations and foster a sense of community responsibility.

By equipping families with these tools, Habitat empowers them to succeed as homeowners, breaking cycles of instability and fostering pride in their achievements.

Addressing Barriers to Access

While Habitat’s programs are transformative, many ALICE families face significant barriers when applying. Abaunza explained that employment instability, lack of savings, and poor credit histories are common challenges. However, Habitat adopts a flexible approach to overcome these hurdles.

“We don’t focus on credit scores,” she said. “Instead, we look at credit history—how responsible someone has been with paying off their debts.” Habitat also works with families to create savings plans, budget for mortgage payments, and address any gaps in their financial literacy.

Despite these efforts, some families fall below the income threshold required to afford even a zero-interest mortgage. For these cases, Habitat collaborates with other organizations to connect applicants with additional resources, ensuring they are not left without options.

Partnerships: A Pillar of Habitat’s Success

Collaboration is at the heart of Habitat for Humanity’s approach. In Jonesboro, the organization partners with the city government, nonprofits, and community groups to amplify its impact. The City of Jonesboro provides critical grants, including down payment assistance, which alleviates financial burdens for participating families.

“We also work with organizations that support people transitioning from homelessness to stability,” Abaunza said. These partnerships allow Habitat to serve a broader range of families while maintaining its focus on sustainable, long-term homeownership.

Promoting Diversity, Equity, and Inclusion

As part of a nationwide push to increase Black homeownership, Habitat International has launched diversity, equity, and inclusion (DEI) initiatives. However, Abaunza noted that Jonesboro is already ahead of the curve. “Many of our homeowners are African American,” she said. “We’re proud to be meeting those goals and ensuring that affordability remains our top priority.”

Measuring Impact and Looking Ahead

While local data collection is still in progress, national research underscores the transformative power of affordable homeownership. Studies show that families who own homes experience improved economic mobility, better mental health, and greater educational stability for their children.

Locally, Habitat recently completed a 12-home project in Jonesboro, providing families with not only houses but also the pride and security that come with homeownership. “It’s about more than just a roof over their heads,” Abaunza said. “It’s about changing lives and giving families a foundation for the future.”

The Road to Stability and Success

As the deadline for Habitat’s next round of applications approaches, Abaunza encouraged eligible families to reach out. “We’re here to help,” she said. “Whether you’re looking for a new home or need critical repairs, we want to be a resource for you.”

For more information, families can visit Habitat’s office in Jonesboro, call 870-333-5506, or explore additional resources at www.surefoundationaffairs.com.

A Message of Hope

The episode concluded with Kale expressing gratitude for Abaunza’s dedication and the impactful work of Habitat for Humanity. “This is about building futures, not just houses,” he said.

As listeners tuned out, the message was clear: Habitat for Humanity is more than an organization—it’s a lifeline for ALICE families in Northeast Arkansas, offering hope, stability, and a brighter tomorrow.