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From YouTube: Boston Home Center: Lunch & Learn 09-09-16
Description
The Boston Home Center offers training and financial help to first-time home buyers; Guidance and funding for homeowners, Home improvements, and counseling to help families avoid foreclosure.
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A
So
that's
the
that's
a
home
buying
efforts,
that's
the
obtained,
so
the
retain
portion
of
home
ownership
is
once
you
have
the
home.
Unfortunately,
foreclosures
are
an
issue
not
just
in
Boston,
but
in
cities,
all
around
massachusetts
and
all
around
the
country,
while
we're
not
in
the
height
of
the
foreclosure
crisis
anymore.
A
Foreclosures
are
actually
up
forty-two
percent
this
time,
/,
where
we
were
last
year
and
so
again,
I
want
to
preface
that
by
saying
we're
not
at
the
height,
we
were
in
the
subprime
loan
issue
or
the
economy
which
had
a
lot
of
foreclosures,
but
foreclosures
are
still
at
issue.
In
fact,
mayor
Walsh
has
made
it
clear
to
the
bottom
center
that
he
wants
us
to
have
a
laser-like
focus
on
making
sure
that
way
able
to
help
everyone
who
has
an
issue
of
foreclosure.
They
have
to
resolve
that.
So.
A
Home
center
is
the
foreclosure
intervention
team
that
acts
on
behalf
of
constituent
to
prevent
foreclosure.
We
do
it
through
education,
counseling.
We
do
it
to
advice
and
guidance.
We
do
it
through
money
management,
but
we
actually
act
as
your
liaison
with
your
lending
institution
to
help
solve
the
foreclosure,
including
an
up
to
even
working
with
your
banker,
lending
institution
on
a
loan
modification
and
if
you're
at
the
point,
we
have
an
auction
we're
going
to
work
to
help
stop
that
auction.
So
we
can
get
you
on.
A
The
path
was
having
a
better
mortgage
having
a
modification
and
saving
your
home.
The
Boston
home
center
had
a
eighty-seven
percent
success
rate
to
prevent
foreclosures
last
year
and
for
those
that
we
couldn't
prevent,
we
are
able
to
provide
partners
in
the
community
for
free
advice
and
legal
guidance
as
necessary.
So
sometimes
foreclosures
can
be
a
very
tricky
situation.
Folks
are
oftentimes
embarrassed.
They
don't
want
people
to
know.
A
My
advice
to
everyone
of
this
room
is,
if
you're
in
that
situation,
I
hope
you're,
not
or
but
if
you
know
some
of
it
is
tell
them
not
to
be
embarrassed,
feel
free
to
come
to
the
home
center.
Our
services
are
all
free,
they're,
private,
they're
confidential.
Nobody
knows
what's
happening,
not
even
I
have
access
to
the
full
closure
database
to
see
the
information.
That's
in
it.
Oftentimes
folks
will
actually
the
first
thing
they
do
with.
A
As
a
foreclosure
issue
is
call
a
lawyer
and
while
I
would
advise
people
to
not
to
or
to
knock
on
the
Lord
I
will
tell
you
that
we
will
do
everything
a
lawyer
will
do,
but
we
will
do
it
for
free.
So
this
is
a
great
service
that
the
homes
in
their
hands
to
help
people
save
their
homes
and
we're
really
proud
of
that.
Eighty-Seven
percent
success
rate,
foreclosure
prevention,
so
obtained
is
buying
a
home.
Retain
is
saving
your
home.
A
Maintain
is
a
hugely
important
part
of
what
the
Boston
home
center
does,
because
once
you
own
the
home,
whether
you've
just
bought
it
or
you're
a
senior
who's
been
in
the
house
for
60
years.
Maintaining
your
home
is
a
hugely
important
issue
and
we
run
a
very
vast
home
repair
program
call
folks
maintain
their
homes.
In
fact,
if
you
read
the
mayor's
housing
report,
housing,
a
changing
City,
the
mayor
talks
about
building
53,000
new
units
of
housing
to
accommodate
Boston's
population
growth.
A
Boston's
won
a
few
cities
around
the
country
that
it's
experienced,
a
rapid
population
growth
or
by
2030.
We
need
to
house
at
least
53,000
to
individuals.
Part
of
that
strategy
is
home
ownership,
so
excited
that
the
home
center
is
front
and
center
on
the
mayor's
efforts
around
homeownership
purchasing
homes,
saving
their
homes
but
maintaining
their
homes.
Helping
people
stay
in
them
is
a
critical
piece
of
the
mayor's
housing
plan
on
those
53,000
units
of
housing.
A
A
Looking
for,
when
you
pick
your
contractor,
we're
going
to
loan
you
the
$15,000
up
and
then
we're
going
to
pay
the
contractor
for
you,
you
will
have
that
construction
specialist
assigned
to
you
permanently,
so
they
monitor
the
job
to
make
sure
it's
done
on
time
and
on
budget
incorrectly
and
to
address
any
other
issues
that
come
up.
They
provide
that
technical
assistance
throughout
the
process,
but
what
it
does
is
it
gives
the
homeowner
that
instant
access
that
$15,000
account
they
might
not
have
had
to
make
those
repairs.
A
The
loans
are
unlike
a
bank
alone,
the
beauty
of
the
home
center
loan
is
its
deferred
permanently.
So
if
you
stay
in
the
house
for
another
50
years,
we
just
sit
as
a
mortgage
on
your
property.
If
you
have
an
existing
mortgage,
we
simply
take
second
place
and
the
loan
is
deferred
forever.
I,
like
a
bank
loan,
there's
no
interest
whatsoever,
so
no
interest,
no
payments,
no
accruing
interest,
and
only
time
we
get
our
money
back
is
when
you
sell
your
property.
A
You
can
come
in
our
home,
buying
program
and
purchase
a
home
through
Christine
and
our
team
get
mo
$10,000
or
whatever.
The
number
is
for
your
down
payment
of
closing
costs
and
then
once
you're
in
the
home,
you
can
come
back
and
come
into
the
homework
problem
program
to
make
those
repairs,
because
we
want
you
to
have
that
house,
that's
safe
and
has
those
issues
addressed.
A
If
you
have
a
what's
classified
on
the
assessing
side
and
a
triple-decker
as
opposed
to
a
three-family,
we
run
a
triple-decker
specific
program
called
our
3d
program
and
why
we
have
a
specific
program.
Four
triple-deckers
is
because
we
recognize
that
your
back
as
our
sort
of
iconic
part
of
Boston's
history.
They
play
a
hugely
important
role
and
affordable
and
middle-income
housing,
and
they
play
a
hugely
important
role
on
family
housing.
A
Oftentimes
a
homeowner
will
purchase
the
first,
a
triple-decker
deliver
the
first
floor
and
family
lives
in
the
other
two
units,
so
the
triple-decker
program
escalates
the
money
to
thirty
thousand
dollars.
You'll
get
up
to
thirty
thousand
dollars
in
a
low
zero
winters
loan
to
work
on
your
triple
decker,
both
in
homeworks
and
on
the
triple-decker
program.
A
So
triple
decker
is
a
great
program
for
those
work,
triple
Decker's
senior
home
repair,
probably
one
of
our
biggest
customers.
The
mayor
in
his
housing
plan
has
identified
seniors
as
a
special
population
that
we
want
to
help.
We
want
to
help
seniors
age
in
place.
We
want
to
help
seniors,
be
able
to
live
in
their
communities
and
stay
in
their
homes.
Many
seniors
are
living
longer.
Now,
more
than
ever,
which
is
awesome.
My
parents
are
75
healthy,
knock
on
wood,
with
no
issues
and
have
this
huge
house
in
High
Park.
A
That
needs
all
kinds
of
work.
Most
seniors
are
cash
for
birdhouse,
rich
and
the
single
greatest
thing
that
causes
seniors
to
leave
their
homes
is
deferred
maintenance
issues.
They
need
a
new
roof,
they
need
a
handicapped
bathroom,
they
need
a
heating
system,
they
need
their
front
porch
and
their
decks
and
stairs
to
be
repaired,
and
they
just
don't
have
the
capability
or
the
money
to
make
that
happen.
A
So
the
beauty
of
our
senior
home
repair
program,
it's
our
full
service
model
and
we
call
full
service
because
literally
the
senior
doesn't
have
to
do
anything
if
you're,
a
senior
62
or
older.
We
work
with
for
nonprofit
partners
around
the
city
who
contract
with
the
home
center,
who
actually
go
out
to
the
seniors
home
and
help
them
fill
out
the
paperwork,
locate
their
deed
and
all
their
taxes
and
all
the
things
that
are
required
under
the
program
to
enroll.
A
Our
construction
specialists
will
sit
with
the
senior
and
walk
them
through
all
of
the
needs
in
their
home.
They
may
call
because
their
heating
system
went
well,
their
front
steps
are
broken
or
they
have
a
hole
in
their
Ruth,
but
most
likely
will
identify
other
issues
that
are
in
the
seniors
home.
The
construction
specialist
will
write
up
a
scope
of
work
working
with
the
senior
they
will
agree
on
it.
We
get.
We
do
everything
from
soup
to
nuts.
We
actually
hire
the
contractor.
A
We
have
a
pool
of
about
30
Boston
homes
that
are
contractors
were
the
only
ones
that
are
allowed
to
get
on
our
jobs,
and
they
fill
out
a
very
extensive
application
process
to
be
one
of
our
contractors,
because
we
know
their
license.
We
know
they're
certified.
We
know
they
have
all
their
insurance
workman's
comp
that
their
lead
drain
and
all
the
things
that
we
need
to
deal
with
to
help
seniors
in
their
homes.
So
we
get
the
contractor.
We
do
the
work
right
up.
A
We
make
all
the
payments
we
were
gonna
get
with
the
contractor
in
permitting
the
senior
literally
just
has
to
agree
to
enroll
in
the
program
and
sign
out
and
agree
on
what
the
scope
of
work
is.
They
also
get
a
construction
specialist
that
is
with
them
the
entire
process
to
make
sure
the
job
is
running
smoothly
and
address
any
issues,
and
then
we
do
all
the
final
payments.
So
the
seniors
don't
have
to
worry
about
final
payments.
A
The
loans
generally
are
between
five
and
sixty
thousand
dollars
give
or
take
that's
about
the
window
of
what
we
can
fund
for
our
senior
home
repair
projects.
But
again
that
allows
us
to
do
sort
of
the
totality
of
what
our
issues
that
seniors
are
facing.
What
we
try
to
do
with
our
model.
There
are
three
things
for
a
senior
to
qualify
for
senior
home
repair
and
what
we'll
do
to
address
issues
in
the
house
and
that's
keep
seniors
safe,
warm
and
dry.
That's
the
threshold.
A
Anything
that
keeps
a
senior
safe
woman
dry
is
what
we
want
to
do
and
by
the
way,
senior
home
repair
is
more
than
just
deferred
maintenance
issues.
It's
actually
a
public
health
issue
for
seniors
seniors,
who
have
leaks
in
their
roofs
or
water
in
their
basement,
which
creates
mold,
creates
health
hazards,
heating
systems
that
are
failing,
keep
seniors
cold
in
their
apartments,
which
leads
to
illness
and
other
things.
So
we
see
our
senior
home
repair
program
to
as
a
public
health
issue.
We
were
helping,
keep
seniors,
I'm
healthy
in
their
homes.
A
Well,
we
run
a
emergency
and
minor
repair
program
for
seniors.
So
if
you're,
62
or
older
in
the
city
of
Boston,
a
minor
repair
program
is
jobs
generally
up
to
three
hundred
fifty
dollars,
things
that
are
minor
a
leak
under
the
faucet
a
broken
window,
a
broken,
banister
or
loose
railing
all
of
these
kind
of
small
projects.
If
a
senior
has
issues
with
they
can
call
the
mayor's
hotline
at
311
and
they'll
notify
one
of
our
boss
and
hopes
that
our
partners
and
we
will
send
someone
out
to
fix
those
and
that's
free
of
charge.
A
So
we've
seen
you
in
the
city,
so
that's
the
Boston
home
center
minor
repair
program
where
senior
can
get
minor
repairs
fixed
for
free.
We
run
a
really
important
emergency
repair
program,
emergency
repairs
or
any
America
pairs
that
are
an
emergency
to
that
safe,
warm
and
dry
up
to
five
thousand
dollars
as
free
as
a
grant
to
the
senior.
So,
for
example,
the
seniors
water
heater
goes,
a
senior
loses
electricity.
A
A
sewer,
lateral
can't
use
your
bathroom
things
of
those
nature's
that
love
that
nature,
the
Boston
home
center
is
going
to
come
in
and
fix
pretty
quickly
on
an
emergency
basis
and
the
seniors
not
judge
it
becomes
a
grant
to
the
senior
homeowner.
If
the
job
becomes
bigger,
then
we
would
enroll
the
senior
in
our
senior
home
repair
program,
granting
the
first
five
thousand,
but
then
enrolling
them
in
the
bigger
program.
So.
A
Of
examples
of
what
would
an
emergency
being,
why
with
seniors,
want
to
take
advantage
of
it?
We
just
helped
a
woman
in
high
park
because
a
18-wheeler
went
through
her
neighbourhood
should
have
been
in
there
and
took
down
all
the
wires
on
the
street,
but
when
it
did,
it
took
it
ripped
out
her
the
wire
off
her
house,
including
ripping
her
service
off
her
house.
So
it
was
95
degrees,
a
husband,
who's
on
sajan,
no
air
conditioning
and
she
had
no
heat.
I
mean
no
air
conditioning
no
lights
within
nature.
That
became
a
health
threat.
A
She
called
the
mayor's
hotline,
they
sent
it
to
us
that
same
day
we
had
an
electrical
contractor
on
contract
to
go
out
and
we
saw
the
service
reconnect
the
wire
and
we
put
all
the
lights
back
on,
and
we
do
all
our
fuses
and
all
that
stuff.
It
was
about
three
thousand
dollars.
We
did
it
as
a
grant
to
the
senior.
We
have
a
senior
homeowner
in
Dorchester
who
had
a
sewer,
lateral
break.
That's
the
sewer
pipe
that
goes
from
your
house
out
to
the
street
and
some
point
for
everybody.
A
So
if
that
sewer,
lateral
breaks,
which
they
do
all
the
time
because
they
are
probably
installed
in
the
40s
and
50s,
the
homeowner
is
responsible
for
that.
Boston
water
sewer
has
what's
called
the
sewer
lateral
program
that
anyone
can
apply
to
which
will
give
them
up
to
four
thousand
dollars
towards
that
repair.
A
In
many
cases,
that's
much
more
in
the
case
in
Dorchester,
the
seniors,
sewer,
lateral
broke
and
hers
was
nine
thousand
and
here's
a
senior
85
years
old
had
no
access
to
a
bathroom,
actually
waited
two
weeks
before
calling
anyone
had
no
moving
through
the
bathroom
for
two
weeks
working
with
Boston
water
and
soil,
we
repaired
the
emergency.
She
got
four
thousand
dollars
from
water
and
sewer
a
five-thousand-dollar
grant
from
us.
The
nine
thousand
dollar
job
was
free
to
the
senior
and
we
were
able
to
get
it
resolved.
A
The
city
also
runs
a
brand
new
program
which
got
a
really
amazing
coverage
and
was
so
thankful
that
Mayor
Walsh
came
out
and
actually
publicly
announced
that
in
roslindale
at
a
Boston
home
center
seniors
home,
that
is
a
new
program
called
seniors,
saves
and
senior
saves.
Is
a
heating
system
replacement
program
where
we're
going
to
go
in
and
just
do
heating
systems,
and
it's
a
result
of
the
fact
that
we
saw
that
heating
systems
were
some
of
the
number
one
issues
facing
seniors
in
their
homes.
A
Most
cases
they
became
an
emergency
and
that's
why
we're
going
to
replace
them.
But
the
mayor
said
why
don't
we
get
into
the
seniors
homes
and
replace
them
before
they
become
an
emergency?
And
that's
where
senior
sales
was
born?
We
will
go
into
a
seniors
home
and
assess
their
eating
system
if
it's
12
years
or
older
and
in
need
of
failure
we're
going
to
come
in
before
it
breaks
down
we're
going
to
proactively
replace
the
heating
system.
In
every
case,
it's
always
a
much
higher
energy
efficient
heating
system.
A
So
we're
going
to
put
in
a
brand
new
system,
that's
not
in
threat
of
failure.
We're
going
to
avoid
a
catastrophic
failure,
we're
going
to
keep
the
senior
warm
it's
a
3500
Allah
grant
to
the
senior
and
the
rest
of
the
zero
interest
loan
to
the
senior
for
the
remainder
of
the
cost.
We
did
it
as
a
pilot
last
year
expecting
to
do
about
50
heating
systems
over
the
year
and
it
turned
out
that
it
was
such
need.
A
We
actually
did
59
heating
systems
in
four
months
and
because
of
that
pilot
program,
success
the
mayor
funded
permanently
in
our
budget
as
a
permanent
program
to
help
seniors
with
heating
systems.
We
announced
it
two
weeks
ago,
at
a
rather
deaf
seniors,
home
owner,
but
I
think
the
best
story
that
illustrates
the
importance
of
senior
saves
is
during
the
pilot
phase.
We
got
a
call
from
a
senior
homeowner
in
Roxbury,
who
was
I,
think
82
years
old
and
have
one
heating
system
feeding
her
unit
and
her
two
tenants
units
and
Shirley
had
one
meter.
A
So
there
was
no
ability
who
individually
charged
the
two
tenants
for
what
they're
using
because
she
had
oil
and
not
last
one
to
which
was
worn
with
the
winter
before
which
was
the
catastrophic
winter.
She
ran
up
a
45
thousand
dollar
heating
bill
that
she
couldn't
pay.
So
shiri
me
actually
took
refinanced
her
home
at
82
years
old
to
the
245
thousand
dollars,
not
to
pull
that
money
out
to
give
to
her
kids
for
college
or
to
help
buying
a
home.
She
pulled
the
45
thousand
dollars.
A
I
took
a
mortgage
to
pay
an
oil
company,
the
boss
of
home
center
came
in
put
in
three
brand-new.
He
got
rid
of
by
the
way
that
old
fashioned
heating
system
put
in
a
brand-new
three
brand
new
energy,
efficient
heating
systems,
converted
the
oil
to
gas
and
individually
meet
at
each
unit,
so
that
now
each
unit
gets
their
own
built
from
the
utility
saving.
This
senior
literally
tens
of
thousands
of
dollars.
A
No
seniors
should
have
to
go
through
what
she
went
through
to
take
on
a
mortgage
in
82
years
old
to
pay
a
heating
bill
and
I
will
never
happen
again
with
this
senior
or
any
other
seniors
that
we
can
get
to
under
this
program.
It's
an
awesome
program,
the
incredibly
favorable
terms
and
conditions,
and
we
urge
it
if
you
know
folks
or
if
you
have
heating
systems
or
you
if
you
know
people
who
are
60
or
older
you're
in
a
building
where
the
seniors,
the
homeowner
and
you're
the
renter
and
needs
new
heating
system.
A
Please
urge
them
to
contact
us
about
how
we
get
that
meeting
system
in
the
city
also
runs
the
lead,
safe,
Boston
program
and,
let's
say
Boston
at
the
city's
efforts
to
mitigate
and
reduce
lead,
poisoning
and
children.
Huge
issue
still
you're,
probably
following
the
boss
public
school
issue,
the
Flint
Michigan
issue.
Well
in
Boston,
the
issue
is
lead
paint
houses
built
before
1978
all
for
the
most
part.
A
It
would
have
let
painting
them,
and
so
let's
say
Boston
has
been
working
to
reduce
and
remediate
all
of
the
units
in
the
city
that
have
lead
paint
if
a
child
has
an
elevated
blood
level.
The
boss,
the
doctor,
notifies
the
Boston
Public
Health
Commission,
who
then
notifies
the
city,
but
people
proactively
are
coming
to
the
home
as
well
to
learn
about
how
they
can
get
two
units
delet
it.
So
what
does
it
mean?
A
You
come
to
the
Boston
home
center,
we're
going
to
get
you
a
de
letting
contractor
to
inspect
your
property
if
you
have
lead
you're
going
to
enroll
and
we're
going
to
do
an
eighty
five
hundred
dollar
grant
per
unit
to
delet
them,
which
means,
if
you
want
a
triple-decker
yours
eligible
for
as
much
as
27,500
ahl's,
to
delet
those
units.
There's
no
penalties,
there's
no
punishment
from
the
city
on
that
worthy
we're,
actually,
the
opposite
agency.
A
We
want
to
make
sure
that
if
you
have
lead,
you
get
rid
of
the
lead
in
your
units
and
it's
the
only
program
where
you
can
be
an
absentee
landlord,
its
meaning
all
of
our
programs.
We
talked
about
buying
a
home
and
getting
our
money
you
have
to
buy
in
the
city
to
get
home,
repair
or
senior
home
repair
of
senior
saves.
You
have
to
live
in
the
city.
You
can
be
an
absentee
landlord.
A
You
could
live
in
Canton,
but
own
a
triple-decker
in
Dorchester,
and
we
want
the
people
living
in
the
triple-decker
Dorchester
to
be
let
free.
So
we
offer
this
program
to
non
Boston
residents
and
we
think
it's
critically
important,
because
we
want
every
child
to
be
lead
free
in
the
city
since
1996
LED,
st.
Boston
as
delayed
over
2,500
units
in
the
city.
So
we're
really
proud
of
that
record,
but
the
job
isn't
over.
There's
still
a
huge
issue.
In
Boston
we
have
a
dense
housing
stock.
That's
an
older
housing
stock.
A
Many
houses
built
before
1978,
so
we
there's
still
hundreds
of
units
we
want
to
get
to
to
be
able
to
delet
them.
In
fact,
because
the
issue
is
still
so
prevalent,
we're
really
proud
of
that.
Hud
just
awarded
us
a
3.1
million
dollar
grant
to
delet
additional
units
in
the
city
in
the
next
two
years.
So
it's
something
we
take
very
seriously.
A
B
A
Know
I
gave
you
a
lot
believe
it
all.
This
was
kind
of
the
short
version.
I
could
have
done
it
even
longer,
but
what's
important
to
remember
is
what
the
boss
at
home
center
is
there,
for
that
were
a
city
agency.
We
want
to
help
city
employees,
we
want
to
help
Boston
residents,
we
want
we're
excited
about
having
people
purchase,
homes
in
our
city
and
our
population
continues
to
grow
and
increase.
A
At
least
an
individual
to
come
here
will
become
homeowners,
achieve
that
dream
of
homeownership,
obtain,
retain
maintained
by
homes
and
access
our
educational
courses
and
funding
to
do
that,
retail
save
your
home
from
foreclosure.
Let
us
be
your
voice
in
your
advocate
working
with
your
lending
institution
to
do
that
and
maintain
take
advantage
of
the
Boston
home
center
to
keep
your
home
safe,
warm
and
dry
to
make
those
repairs
that
will
allow
you
to
them
your
home
for
years
to
come
so
anything
relating
to
home
ownership.
A
C
A
A
great
question:
we
work
with
students
with
11
things
that
we
think
I
was
on
the
education
component.
We
want
more
college
students
to
take
advantage
of
the
home
center,
so
we
come
educate,
graduating
seniors
about
the
advantages
of
home
ownership
as
a
instead
of
necessarily
renting
that
in
many
cases
you
can
get
a
mortgage
for
the
same
price
you
would
be
renting
for
for
paying
in
rent.
A
Recognizing
rental
is
a
hugely
important
part
of
housing,
our
city,
but
we
also
try
to
educate
folks
about
how
homeownership
is
within
reach,
and
one
of
the
things
we
want
to
do
is
educate,
graduating
college
students
about
their
finances,
so
the
Home
Center
takes
the
financial
fees
very
seriously.
We
offer
financial
counseling
and
financial
training.
We
run
what's
called
credit
boot
camp.
It's
a
very
extensive
and
intensive
credit
counseling
that
we
would
do
so
for
college
students
to
understand
how
credit
is
a
major
obstacle
to
homeownership.
We
would
want
to
do
that.
A
In
fact,
Christine
can
help
me
out
was
it.
Maybe.
A
year
ago
we
were
at
Suffolk
University.
They
asked
it
to
come.
Talk
to
the
seniors
about
credit
and
financial
literacy
in
homeownership,
we
recently
were
asked
by
umass
boston
that
was
over
the
spring.
Come
talk
to
the
students,
a
group
of
seniors,
great
and
ready
to
graduate
above
homeownership
financial
literacy
and
credit
smart.
So
we
think
we
see
that
as
a
very
important
piece
to
the
education
piece
is
so
critical.
A
Around
homeownership,
educated,
homeowners
and
educated
constituents
become
better
homeowners
because
they
understand
mortgage
products
and
financial
literacy
and
what
the
credit
score
means
and
all
of
the
issues
of
buying
a
condo
versus
buying
a
home
buying
a
foreclosed
property
versus
a
non
foreclosed
property.
We
even
run
a
class
on
how
to
purchase
a
foreclosed
property.
So
we
see
the
education
education
piece
for
everyone
is
critical,
clearly
think
if
we
can
get
to
college
students
as
they're
graduating
or
have
just
graduated
to
put
them
in
that
pipeline
of
education
and
then
possibly
homeownership.
A
Absolutely
right,
so
the
debt
issue
is
huge
and
that
issue
sort
of
goes
beyond,
obviously
the
home
center.
A
huge
issue
facing
the
national
debate
and
the
presidential
politics,
and
certainly
something
we're
cognizant
of
and
our
counselors
Christina
in
the
other
councils,
would
kind
of
work
with
our
individual
one-on-one
counseling
to
talk
about
what
their
debt
ratio
is
and
what
their
level
is
and
how
that
looks
so.
A
B
A
If
your
certificate
expired
they're
good
for
three
years,
you
have
to
take
it
again,
but
I
would
encourage
folks
that
if
it
went
three
years
that
you
would
want
to
take
it
again,
because
we
are
always
doing
new
things
in
our
home
buyer
classes.
So
the
recent
contract
that
just
that
went
out
and
was
just
awarded
for
September
actually
has
changes
from
the
last
contract
that
10
it's
going
to
focus
more
on
the
financial
literacy
piece
and
things
of
that
nature.
A
It's
going
to
have
more
efforts
about
what
the
Home
Center
can
offer
in
those
classes
so
that
it's
a
dual
track
and
homeowners
are
prepared.
So
every
year
the
next
year
has
a
different
contract,
and
so
for
those
who
do
expiring
do
encourage
them.
You
have
to
do
it
anyway,
but
I
encourage
that
it's
worthwhile,
because
what
you
learned
then,
is
going
to
be
enhanced,
but
now
it's
going
to
be
enhanced
with
what
you
learn
that
yes.
B
B
A
A
great
question,
so
the
gist
of
his
question
is
how
do
we
bring
the
education
component
and
the
information
beyond
sort
of
just
this
kind
of
a
median
going
to
different
constituencies?
Like
the
Latino
community,
we
have
made
a
very
aggressive
push
the
last
two
years
to
take
the
what
I
call
the
Boston
homes
on
our
show
on
the
road.
So
we're
going
to
community
meetings
nightly.
We
are
at
crime
watch
meetings
nightly.
We
are
hosting
more
events
that
the
home
center
runs
in
every
neighborhood,
we're
at
events
on
Saturdays
and
Sundays.
A
We've
been
asked
by
unions,
so
in
so
far
we've
done
presentations
to
the
Boston
Fire
Union,
the
Boston
teachers
union,
we're
giving
presentations
to
the
civilian
staff
of
the
Boston
Fire
Department
we've
been
before
the
boss
of
Transportation
Department
staff,
so
you're
right
on
we're
treating
this
as
almost
of
it's
a
campaign
right.
The
way
the
more
folks
are
going
to
understand
what
services
the
home
center
offers
for
us
to
get
out
to
where
people
are
to
community
meetings,
to
departments
in
the
city,
to
private
businesses
and
organizations,
we're
really
willing
and
to
go
anywhere.
A
B
A
B
A
So
the
example
being,
if
you
were
over
in
common,
it
was
a
ten-thousand-dollar
job.
We
would
put
five
in
and
you
would
put
five
in
so
check
out
the
white
home
repair
sheet.
It's
got
the
income
diamonds
on
it
figure
out
sort
of
where
you
are
on
that
chances
are
one
of
the
three
levels
will
be
able
to
help
of.
Even
if
it's
the
matching
program.
B
A
It
is
total
household
income.
We
don't
care
about
credit,
though
our
issues
on
our
income
guidelines
are
what's
the
total
income
per
in
the
household.
How
many
members,
if
it's
a
five
person,
also
what
does
the
combined
income
of
all
five
of
those
people
and
if
three
or
children
only
two
of
income,
we
still
go
by
the
five-person
household,
but
we
take
the
income
of
those
who
are
in
the
household.
A
A
So
we
have
a
checklist
yeah
for
which
program
home
ownership
or
home
repair
yeah.
So
we
have
a
checklist
and
it's
going
to
be
what
your
income,
so
we
ask
for
your
tax
statements,
for
example,
pay
pay
stubs.
Think
of
those
nature,
anything
that
shows
whatever
income.
If
you
have
rental
income
that
counts
as
your
income,
you
have
a
second
job
that
counts
as
your
income
so
and
anything
that
can
prove
the
income.
That
back
is
backed
up
with
your
taxes
and
what
you're
taking
in
so.
A
This
is
great
I
want
to
thank
everybody
for
coming.
This
was
a
great
crowd,
great
questions
that
I
want
to
thank
again,
chief
Arroyo
and
it
also
Felton
human
services
for
having
me
here
today.
You
can
email
me
directly.
Rob
Consalvo
at
Boston
com
in
the
packet
is
Mike
on
with
my
direct
dial
and
we're
always
available
at
6500
or
our
own
website,
Boston
home
center
com.
Thank
you.