Kristina started the FSS program in November of 2010, making $20k per year. She worked hard to increase her earned income because her main goal was owning her own home and getting completely off of government assistance. She was moved to an incentive transfer home in July 2012 so she could start learning how to properly care for a home while she worked towards her homeownership goal.
Kristina received a promotion at work which took her earned income to 38k annually. She was able to pay off her debt and raise her credit score.
Kristina graduated from FSS with an escrow amount of $4732. She paired that with her Individual Development Account and was able to put a total of$12000 down and pay her closing costs.
The Fisher’s Final Story
The Fishers started the FSS program in April of 2008, making under $20k per year. Although they made little this family had a lot going for them. Bob & Tami were heavily involved in gardening. They canned hundreds of jars each year with produce out of their garden and learned how to shop on a budget canning meat year round. They are members of the Salem Harvest Club where they are rewarded with fruits and vegetables after each harvest. This family set a high example of what Self Sufficiency looks like. Bob continued working full time while Tami stayed home to home school their 3 children. Self Sufficiency for the Fishers wasn’t just paying the bills and putting food on the table. The Fishers were heavily involved in their community where Tami sat on the Program Coordinating Committee and the Resident Advisory Board at the Housing Authority. Their family attended Creation Vacation several years and became mentors to many others. Bob & Tami had dreams to own their own home. They began working with their FSS Coordinator in 2010 to clean up their credit and in 2011 they started their VIDA for Homeownership. During this time Bob had an increase in income and their family began escrowing through the FSS Program.
On December 31, 2012 Bob and Tami Fisher graduated the FSS program 3 months early. They received a check for $4480, which they’ve used for their earnest money. They will be completing their VIDA for $12k in May 2013 and will be moving out of Public Housing. Enjoy Homeownership! You all deserve it!
A Good Balance
Flora started the FSS program in March 2006. This started a journey that would eventually lead her to become self-sufficient. She had set goals such as finding and maintaining full time employment, going to college and becoming a home owner.
Flora obtained a full time job with the Oregon State Hospital and was able to pay debt down which helped her qualified for a home loan. She attended Financial Fitness as well as ABC’s of Homebuying and in 2007 she purchased a house using 95% of her escrow account as well as a VIDA in partnership with a Homeownership Housing Choice Voucher Program.
In 2010, Flora completed her LPN degree at Valley Medical College. She has come to love the work she does and strives to be better. Flora will be using her escrow check of $4,117 to continue her education and work towards her RN.
Flora stated, “This program is so rewarding! It has helped me grow within myself and my professional career. I am so grateful for everything Salem Housing Authority has done for me.”
Angela started in the Family Self Sufficiency Program in July 2006. This is what she has to say about her journey. “I have been a single mom for 21 years, and now I no longer have to work two or three part-time minimum wage jobs at the same time to make ends meet. After all these years, I now have one full-time job that I love, being a Program Counselor/Case Manager, working with homeless women and children at Union Gospel Mission Simonka Place in Keizer. I now have medical benefits, a retirement plan, and even life insurance through them. I earn vacation time too. I feel blessed to be doing exactly the kind of work that I wanted to do. I have had a heart for this population group since I went through a similar situation many years ago. God has brought my life full circle and now I can share the same life-changing hope that I found through the work that I do. Participating in the FSS Program helped me reach this goal. FSS providedtremendous amounts of encouragement and the right measure of accountability. I sure hope that many others will choose to participate and benefit from the FSS program the way that I did. Thank you so much for everything!”
Angela successfully graduated the FSS Program with an $1l,000 escrow check, a self sufficient life, and a bright future!