Help for a family in need

Meet the Jacka family, one of the families who have found affordable housing thanks the efforts of our partners.

Meet this family whose lives have been changed for the better thanks to our development and investment partners. Not long ago, Tammy Jacka and her three sons were living in a drafty manufactured home in Thief River Falls. By spring 2014, Tammy realized she was paying almost 300% of what most people pay to heat their homes.

Armed with a pre-approved USDA loan for a new or existing home and ready for something new, Tammy approached the Northwest Minnesota Housing Cooperative (NMHC) about having a home constructed: a new home with a warranty. Raising three boys on her own, she had neither the time nor budget to fix up an existing home.

The maximum limit of Tammy’s USDA loan wasn’t enough to enable her to buy a conventional new home with NMHC as she had hoped. However, NMHC was in the early stages of partnering with GMHF on an affordable housing concept called Building Better Neighborhoods (BBN). To assist the Jacka family, NMHC advanced this concept quicker than expected.

“Alone each agency cannot provide housing to individual households like the Jacka family,” says Fagerstrom, “but together it is one dream come true for Tammy and her boys.”

GMHF proposed a BBN concept where the home designs are efficient and affordable. Often home sale prices are driven up by wider lots with more infrastructure costs. The BBN concept reduces the infrastructure costs by bucking the industry practice that bigger must be better. The BBN home plans maximize the value of the home design by reducing any frills and putting the focus on the housing needs of the family.

“NMHC comes last in the partnership and provides a simple path to homeownership,” says NMHC president, Jeff Fagerstrom. “Often it is a daunting task to construct a new home. NMHC offers a solid residential construction management skill set and a large membership of construction workers who are professional and take all the worries out of the building process.”

“Alone each agency cannot provide housing to individual households like the Jacka family,” says Fagerstrom, “but together it is one dream come true for Tammy and her boys.”

Colorful banner image featuring the skyline that you might typically see in a small city or town in Greater Minnesota.

Contact

Greater Minnesota Housing Fund
332 Minnesota Street
Suite 1201-East
Saint Paul, MN 55101

Main 651.221.1997
800.277.2258
Fax 651.221.1904
info@gmhf.com

GMHF is a Partner You Can Trust

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