HACbeat November 2022

Housing Summit Draws 300 for ‘Day One of Action’

So said Housing Assistance chief executive officer Alisa Magnotta in her closing remarks at the Housing to Protect Cape Cod Summit earlier this month.

The event, which drew a crowd of more than 300, included some of what keynote speaker economist Tim Cornwell called “doom and gloom,” but it also highlighted avenues for fighting Cape Cod’s housing crisis.

Speakers included local business leaders and workers along with Cornwell, whose analysis of how the housing shortage impacts Cape Cod’s economic outlook paints a stark picture.

The event at the Cape Codder Resort in Hyannis was the official launch of the Housing to Protect Cape Cod (HPCC), a partnership of Housing Assistance, the Cape Cod & Islands Association of REALTORS®, the Cape Cod Chamber of Commerce, CapeBuilt Companies, and the Homebuilders & Remodelers of Cape Cod

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“We have to be the change we want to see.”

Many of these households are making $100,000. That bleak figure is expected to rise to 1,500 households annually over the next two years.

This data is from a newly released report on Cape Cod’s economy and the housing market. On November 3, Housing Assistance and our partners, four well respected regional business organizations

Cape & Islands Association of REALTORS®, Cape Cod Chamber of Commerce, CapeBuilt Companies, and the Home Builders and Remodelers Association of Cape Cod introduced that important report and launched an urgent advocacy initiative called Housing to Protect Cape Cod at a summit gathering in Hyannis.

The report, which can be found on our website, made it crystal clear that our “housing” crisis is not just a housing crisis. It is a full blown economic crisis. And the two together have turned into a community crisis. Cape Cod is a market incapable of serving its year round residents.

It has repercussions for seasonal residents and visitors as well. The charming independently owned inns, shops and restaurants that attract residents and visitors alike to our towns have fewer and fewer available workers. Which leads to another stark figure from the report: nearly 50% of the folks still

the bridges to get here. This is not sustainable environmentally or economically.

Housing Assistance commissioned this report because over the past few years we’ve noticed an influx of nontraditional clients unable to find housing in any town in our region. They’ve been educators and health care workers, retirees and retail workers people with steady incomes But they’re unable to find available or affordable units.

Our staff began to question whether these trends were situational or permanent. This report is born of that question and our desire to understand more deeply the relationship between community, economy and housing.

We see these trends as they’re happening We saw the foreclosure crisis as it was hitting. We saw early pandemic displacement. And we see this disturbing trend human displacement continue.

All the members of the HPCC team see it too. The direction we are going is not sustainable. We all recognize the need to bring people together and mobilize to create change in our towns We need to change zoning laws to allow for multi-family development.

This is our time to be intentional, to make sure our rules, our zoning bylaws, are doing what we want. We’ve spent time and money protecting our environment. Now is the time to also protect our people, our communities. Just like we’ve added pockets of open space, we need to add pockets of multi-family housing where people earning $100,000 and less can live.

A healthy community needs all different types of people able to work in all different layers of our economy. Restricting development to one type of housing single family on large lots is making our community, our economy unhealthy. We need rentals for workforce. We need smaller homes affordable for first time homebuyers, homes for families with school age children.

The Housing to Protect Cape Cod team will be reaching out to local residents

The summit also marked the official release of a new report that analyzes the economic effect of the current housing crisis on Cape Cod’s workforce and local businesses. The report, “Housing Market Overview and Economic and Fiscal Benefits of Housing Development,” was produced by The Concord Group, a company led by Cornwell.

The report utilized data to demonstrate that tight workforce housing inventory coupled with high real estate prices and rent has caused a severe labor shortage on the Cape in the retail, service, and elderly care sectors. The report states that without our towns prioritizing affordable and attainable housing, Cape Cod is at risk of losing a tremendous portion of local workers and businesses.

TOTAL HOUSING UNITS (Barnstable County)

“The displacement the Cape is experiencing is unsustainable for its economy,” said Cornwell. According to his study, the Cape is losing more than 800 households a year of those making $100,000 or less a year. And nearly 50 percent of people who work on Cape Cod commute from another county.

Magnotta said Housing Assistance commissioned the report after staff noticed an increase in “nontraditional clients” in need of housing help.

“The people coming into our office were fully employed, they had lived in their rental for 10 15 years, and they were now being displaced and looking for a place to live,” she said. “This seemed bigger than just the context of the situation that was happening because of COVID ”

BUILDING PERMIT ISSUANCES

SOURCE: U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

a few of the speakers at the

ldren and adults who have m my staff about their inability to afford to live on Cape olina because it’s cheaper to live there. The problem is every day,” McManus said

d State Rep. Kip Diggs were among the summit attendees and State Sen. Julian Cyr g that housing was his number one priority. Cyr, who got his start as a political organizer when he was a junior at Nauset High School, said that showing up at town meetings and planning board meetings makes a big difference.

“We’ve got a tremendous amount of say in what happens at the local level in our communities,” he said. “Part of the problem is not just who is showing up but who’s not showing up and a lot of us aren’t showing up. I see the elected municipal officials nodding their heads We’ve got to figure out a way to show up ”

Magnotta urged the attendees to commit to group efforts working for change.

“We've heard about the zoning that needs to change, and it has to happen at the local level,” she said. “We’ve heard about the funding resources that we need, that need to come from the state and from the federal government and also our towns. It's not a one trick pony. It’s not one solution. We've got to pull multiple levers and we have to engage at multiple levels throughout our community.

The HPPC Summit was an impressive showing of community involvement.

representing financial services, healthcare, home builders, hospitality, mental health, legal services, transportation and more

from all 15 Cape towns and the Islands, including State Sen. Julian Cyr, State Rep. Sarah Peake and State Rep Kip Diggs

Just

Housing to Protect Cape Cod Summit (pictured from left to right): Tim Cornwell of The Concord Group, Lisa Oliver of The Cooperative Bank of Cape Cod, Paul Niedzwiecki of the Cape Cod Chamber, and Anne McManus of the Latham Centers

hoping that from this point forward, we will all commit to getting involved. Today is day one of action.”

Magnotta said the next steps include creating sub regional groups and town specific working groups to educate and engage local residents about changes necessary to protect year round communities. Those groups are scheduled to convene during the first quarter of 2023.

The Concord Group Report “Housing Market Overview and Economic and Fiscal Benefits of Housing Development,” can be found at housingtoprotectcapecod.org or haconcapecod.org.

housingtoprotectcapecod.org

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KEY TAKEAWAYS

from the Concord Group Report

We are seeing a huge displacement of households making $100,000 or less. Through 2026, ESRI Demographics is projecting a loss of 829 households per year that earn within that income segment due to an inability to find housing.

Out of the 87,856 employed labor within Barnstable County, more than 42,000 people live outside the county boundaries. That is almost 48% of the work force. Some popular home destinations off Cape include New Bedford, Boston, Fall River, Brockton, and Plymouth It is putting enormous strain on our infrastructure, and working people are spending too much time commuting to their jobs as a result.

GROWTH IN WORKERS BY HOME DISTANCE

HACBEAT NOVEMBER 2022 | PAGE 7

RECOMMENDATIONS

from the Concord Group Report

Towns must look beyond the arbitrary target of 10% “capital A” Affordable inventory. Only focusing on building affordable units catered to extremely low income and low- income residents will not remediate the issue. The costliness of these projects both for developers and municipalities makes it impossible to scale and build enough units.

Towns should be monitoring the number of seasonal rentals, year round rentals, second home ownership (part time residents), and year round ownership so that the balance does not continue to shift towards second home ownership The only way to achieve or preserve such an appropriate ratio is by building meaningful new supply, including dense multi family product catered to the workers in each town that keep the local economy running.

As of 2020, there were 28,789 households on the Cape earning $50K or less and only 1,789 “capital A” Affordable units To decrease this gap, the Cape must commit to getting closer to the 1/3 yearround rental ratio each year.

As seen in the analysis, adding 250 multi family housing units will contribute significantly to providing more opportunities for households in addition to bolstering the local and regional economy.

Every locality across the Cape must be committed to closing the gap by supporting the reformation of zoning laws and provide development incentives to

multi family builders so that the market can respond effectively. Typically, this proportion of wholly affordable units will be anywhere from 15%-25%, depending on the needs of a community

Localities should work with development partners to create other avenues of affordability including smaller units, higher bedroom count per unit, creative units including macro units, multi generational housing, densification scenarios, and other toolkit items in order to maximize housing production and its effectiveness in meeting the full time residents’ demand

In addition to building more units, municipalities must unite around legislation that pools funds for financial assistance, rental housing preservation, housing trust funds, and homeowner education programs that seek to make relatively localized improvements, over time, to existing housing conditions

Word cloud generated in real time at the Housing to Protect Cape Cod Summit, as the audience was asked the question: "What do you think the solution could be to address our housing crisis?"

Shepley Wood Products

‘Housing Is a Problem That Affects All of Us’

Shepley Wood Products has supported Housing Assistance “probably longer than any of us can remember,” according to Tony Shepley, president of the company.

“I view ‘civic rent’ as a social obligation that we should pay back to our community both personally and professionally,” he said.

“The center of every family is the home Without safe, stable, and affordable housing, any family is at risk There’s an overwhelming need for affordable housing on Cape Cod.

“I like the fact that Housing Assistance is approaching it from a couple of different directions. They’re in the business of producing affordable housing, but there’s also the awareness angle. How do we make the public aware that this is not a problem that fixes itself or just goes away?

“Affordable housing doesn't generate itself It has to be encouraged If we deprive ourselves of the ability to house our workers, where does that leave us? How do our kids afford to stay here?”

Shepley and a partner founded Shepley Wood Products in 1978 with $4,000 and a used lumber truck. As the company grew, it continued to innovate by adding an architectural finish hardware department, a service department and the state of the art Shepley Showcase

But even as the company helped professional builders succeed, its own employees sometime struggled to find affordable housing. Most of his employees on Nantucket live in company housing. “Talk about a big commitment and an expensive one, but that's how it works,” he said.

“The first step is admitting that there’s a problem. Housing Assistance is really trying to get people woken up to that. Housing Assistance also is active in telling our legislators, you've been treating this as somebody else’s problem, but it’s a problem that affects all of us.”

Getting people to participate in the housing solution in some ways is like unloading a lumber truck

“If a small group of people are stuck doing it, it can feel impossible, but when everybody works together, it’s not that big a lift.”

Affordable housing doesn't generate itself. It has to be encouraged.

TONY SHEPLEY Shepley Wood Products

Housing Assistance Helps Venezuelan Migrants

It made national news in September when 48 migrants, many of them Venezuelan, landed on Martha’s Vineyard in two charter planes sent by Florida Governor Ron DeSantis.

As the only local contractor designated by the state Department of Housing and Community Development (DHCD) for emergency and long term housing programs, Housing Assistance received an early call from the agency as it formulated the state’s response. A Housing Assistance team was there to greet the migrants upon their arrival at Joint Base Cape Cod a day later.

Along with Father Bill’s, the Massachusetts Emergency Management Agency (MEMA), and DHCD and other agencies, Housing Assistance helped the migrants navigate the shelter system and connect with other resources. Housing Assistance also coordinated translators and other volunteers.

“The most important thing was keeping everyone safe,” said Housing Assistance chief executive officer Alisa Magnotta.

Housing Assistance has nearly 50 years of experience responding to humanitarian crises international, national and local. The organization provided similar services to residents of New Orleans also temporarily located on Joint Base Cape Cod displaced due to Hurricane Katrina in

2005. More recently, Housing Assistance helped Afghan and Haitian refugees, in concurrence with its work at the forefront of the Cape’s housing shortage.

As a non profit that triages and helps people of all backgrounds connect to services on a daily basis as well as provides shelter services, Housing Assistance brought those skills on site to Joint Base Cape Cod.

“Whether their next step was going into shelter elsewhere in the state or connecting with friends or relatives elsewhere in the country, we helped people figure out next steps with dignity,” said Magnotta.

“We were happy to help,” she said “Displacement happens every day in the world. Sometimes it’s people fleeing natural disasters, war or violent persecution. Other times, it’s economic forces pushing our Cape workforce off Cape, or moms fleeing domestic violence. We help with the urgent displacement while maintaining our long term focus on addressing the Cape’s housing crisis In addition, we have the capacity to handle any humanitarian emergency that arises, whether that’s housing challenges resulting from the pandemic or people arriving on our shores. At Housing Assistance, we look at the totality of the need and care for each situation accordingly.”

Two Generations of Assisting Crisis Victims

When Liz Belcher, information client services manager for Ho Assistance, was asked to help with the organization’s efforts t assist the Venezuelan migrants, it brought back a lot of memo for her family. Her mother, Allison Alewine, performed a simil role in 2005 when 200 survivors of Hurricane Katrina were ai from New Orleans to what was then called Otis Air Force Bas

“It was unreal. People were getting off of a plane at three in t morning and didn’t know where they were,” said Alewine. “Th people were terrified after the horror they had been through.

“We quickly put together an excellent system of getting everybody through an intake process. I was really glad to be there, primarily because my voice was comforting, my Southern accent,” said Alewine, who was born and raised in South Carolina.

Alewine (then Allison Rice) coordinated placing the evacuees, many of them families, into housing, while other Housing Assistance staff volunteered in the dorms.

“The focus was to get them housed, but at the same time, we worked with them individually to help them deal with the shock of the enormous changes in their lives,” said Alewine

“The wonderful thing was how the younger children were just fine as long as there were adults around who showed them love and caring.”

Belcher said the similarities between the two responses are “shocking in many ways, even the way the kids responded. Another thing that was very familiar was that people got cold very quickly and nobody had any warm clothing. We had deliveries of donations pretty much on a constant basis.”

Working to find housing for the migrants was “amazing and exhausting,” Belcher said

“We heard from a woman who had a home on her property belonging to her mother. The mother is in assisted living now, so the house was available, and they were willing to let some of the folks live there.”

“A gentleman called from Provincetown, even before the ask went out, in the first week, saying he was just so upset about the way people were treating these people. He wanted to do something, he has two brothers and a cousin who are living with him for the next six months in his employee housing, which he’s not using because his restaurant is closed for the season ”

Alewine, who worked for Housing Assistance for more than 25 years, retiring in 2013 as vice president of operations in the Family Housing Services Department, said, “It makes me proud to know that Housing Assistance has a history of helping people at their greatest time of need.”

Big Fix Makes a Difference One Person at a Time

Six homeowners in five towns had their homes and lives transformed when Big Fix volunteers performed repairs and landscaping projects.

This year's Big Fixes took place between June and October in Falmouth, Pocasset, West Dennis, Centerville, Harwich and Hyannis.

“We are making a difference one person at a time, and we are doing it together,” Lin Rohr, HAC’s director of community engagement and donor stewardship, told one group of volunteers.

Tasks that were completed this year included landscaping, replacing a rotted fence, installing a new gutter, replacing rotted window trim, exterior painting, repairing of a handicap access ramp and replacing exterior stairs that were rotted out

“It restored my faith in people when they showed up,” Jean Tracey of West Dennis. “It was like the best Christmas I ever had.”

“I’m overwhelmed. This is mind blowing,” said Grace Filliman of Harwich. “It was a surprise to see so many people working so hard. How can you say thank you to all these people?”

Helen Malina, Dave Hegner and Tim Regan volunteered at every Big Fix this year “You see the homeowner look around, and they say, holy smokes, you did a nice job,” said Hegner.

continued on ne

Crane Appliance

Doyle Construction Corporation

Lawrence Lynch Corp.

Rogers & Marney Builders

Sentinel Benefits & Financial Group

White Wood Kitchens

BEAM SPONSORS BRICK SPONSORS FRIEND SPONSOR The Valle Group

“We need to take care of each other,” said volunteer Susan Brinckerhoff, 81. “That’s what life’s all about.”

Volunteer groups from the Community Outreach Team of the Unitarian Church of Barnstable and the Osterville Men’s Club pitched in this year.

Our heartfelt appreciation to the companies and builders who donated their time and/or materials: Cape Associates, Graham Construction, Lourenco Brothers, SVS Masonry & Construction, Nauset Disposal, JR Carpentry, Liam Hogg and Mark Mathison

Give HOPE This Giving Season!

Will you embrace the season of giving and help our many neighbors in need?

Our 19th Annual Telethon for Hope starts on November 28, as we engage our supporters virtually throughout a 12 Day Give A Thon. Using our social media channels, we will share stories of hope and how, with your help, Housing Assistance is on the front lines addressing our housing crisis every day. It all starts with housing!

Whether you raise funds, become a sponsor, make a donation, or just spread the word, you can make a difference at a time when our community needs it the most

Funds raised through this year’s Telethon will give HOPE to more than 6,000 people who come into Housing Assistance on an annual basis seeking a safe place to call home. Now more than ever, our homes are the foundation for keeping us safe, happy, and healthy.

• Give hope with a donation today to the Telethon

• Share the event with friends using #HACTelethon22

• Ask people to support your Telethon Fundraiser.

On the last day of the Give A Thon, join us for a special Facebook Premiere @haconcapecod! At 6 p.m. on Friday, December 9, we will celebrate our collective impact and recognize our many supporters.

Be the HOPE your neighbors need this winter! For more information, visit telethonforhope.org or contact Deanna Bussiere, event & resource development coordinator, at 508 771 5400, ext. 270, or events@haconcapecod.org.

12 Day Give-A-Thon

NOVEMBER 28DECEMBER 9

Start fundraising today! Register now and give the gift of housing this holiday season at telethonforhope.org

Your gift helps light the way.

TO REGISTER & LEARN MORE VISIT: telethonforhope.org

Housing Assistance Strengthens Development and Communications Team

Housing Assistance recently named Patricia Mitrokostas, Catherine Clark and Kathryn Eident to senior positions within the organization.

Patricia Mitrokostas was hired as senior director of grants and foundation relations. She previously was the vice president of development at the YMCA Cape Cod and director of organizational advancement and public relations at Gosnold Treatment Center Ms Mitrokostas has taught grant writing at Cape Cod Community College for seven years as part of a non profit certificate program and recently earned the status of Certified Fund Raising Executive (CFRE).

“We are thrilled to welcome Patty to Housing Assistance,” said Housing Assistance CEO Alisa Magnotta. “Her experience and expertise in maintaining strong connections within our community and working with foundations will serve our organization in immeasurable ways.”

Catherine Clark was promoted from assistant director of development to director of development. Clark joined the HAC staff in 2018 after working at

Cape Cod Academy and Cape Cod Young Professionals

“Catherine has proven many times to be an invaluable contributor to the team,” said Anne Van Vleck, chief development officer for Housing Assistance. “Her genuine care for our donors’ interests and her steadfast commitment to our mission is a winning combination. This promotion is very well deserved, and I have no doubt she will excel in this leadership position ”

Kathryn Eident was hired as director of marketing and communications and marketing director. For the past six years, she was a familiar voice on the local NPR station, WCAI, where she was the “Morning Edition” host and senior producer of news.

“The housing crisis is something we’ve talked about all the time in the news and in longer conversations on the air,” she said. “The thought of being able to go from telling the story from the outside to being on the front lines working on addressing the housing crisis really appealed to me.”

From left: Patricia Mitrokostas, Catherine Clark and Kathryn Eident

Some Way, Shape or Form, We’re All Affected’

Leaders of the Cape Cod Five Cents Savings Bank see the housing crisis from many angles, whether it’s first time homebuyers who are priced out of the market or employees who have to endure long commutes from the rental housing they can afford.

“The issue has become mainstream and lots and lots of people are painfully aware of it,” said Robert Talerman, president of the Cape Cod Five. “We’re all aware of someone either a relative, a friend or a workmate who has in some way, shape or form been affected by the lack of either a house they can afford to buy or the lack of rental inventory It creates issues from a workforce standpoint, from a yearround population standpoint and from a recruitment standpoint and it’s only gotten more pronounced.”

“It’s a topic we’re all passionate about it,” said Matthew Burke, CEO of Cape Cod Five. “We see employers using strategies, including buying houses for employee housing. They’re not necessarily thrilled to be using up their capital to do that, but it just shows you how much of an issue this is ”

Cape Cod Five supports Housing Assistance in many ways, including as an Annual Corporate Sponsor. Liam Cahill, director of residential lending operations at Cape Cod Five, is a member of the Housing Assistance board of directors.

Housing Assistance is well positioned to help make a difference in the housing crisis, Talerman said. “Housing Assistance is involved in a variety of levels on the solution side, of late and historically,” he said

“Development projects are part of the solution, along with new housing advocacy efforts and training efforts. At the bank, we also very much rely on and appreciate the work that Housing Assistance does to educate first time home buyers and home buyers in general. Sometimes it’s that difficult counseling work to help people retain their home in situations where there is a cash flow or budgeting challenge ”

“There is no silver bullet, so it’s up to all of us to do everything we can to create a more diverse housing stock,” said Burke. “It’s going to take some time, but it’s something we have to figure out together with business leaders and other people across the Cape and Islands. We know we can count on Housing Assistance to be a big part of that.”

‘In

At the bank, we rely on and appreciate the work that Housing Assistance does to educate first-time home buyers and home buyers in general.

BERT TALERMAN Cape Cod 5

Is a Tax-Efficient Gift Right for You?

Are you looking for other ways to support Housing Assistance Corporation beyond writing a check or using a credit card? We asked three Housing Assistance supporters to tell why they chose three tax efficient ways to give.

Qualified Charitable Distributions (QCDs)

Individuals age 70½ can donate up to $100,000 directly from their Individual Retirement Account (IRA), without treating the distribution as taxable income.

“When I read stories like the one about a Chatham fisherman who is living in his car because he can no longer find housing in Chatham, and to live elsewhere would negate his fishing license, I’m scared for our collective future,” said Dot Boulia of Harwich “If there are solutions, I am confident HAC is going to find them or create them ”

“My husband Larry and I decided to fund HAC with a significant (at least to us) donation each month. In discussions with our financial advisor, we learned that we could do the donation directly from my Larry’s IRA as part of his annual RMD (required minimum distribution) This was not only easy (once you set it up with your financial services, it happens automatically) but it saved us hundreds of dollars each year by reducing our income by the amount we donate. This allowed us to give more, which felt great!”

Donor Advised Fund (DAF)

DAF’s allow you to support our mission and receive an immediate tax reduction as you give your support over time

“I’ve been really impressed by Housing Assistance’s collaboration on Grow Smart with the Association to Preserve Cape Cod, trying to find the balance between conservation and housing,” said Ann Fleck Henderson of South Orleans. “The Housing Assistance approach also is very evident in the new HPCC initiative in terms of organizing a movement This is not an easy problem, but I think that Housing Assistance is doing a lot of smart things.

“I give through a donor advised fund because it makes organizing my tax records easier. Also, a DAF allows me to set aside what I think I can give in a year. Then I can be more careful and planful about giving, rather than always responding to the latest request ” Stocks

& Securities

Housing Assistance accepts gifts of stock and other appreciated assets. In doing so, you may avoid paying capital gains taxes on the appreciation, effectively increasing your donation and decreasing your tax exposure

Donors interested in learning more about tax efficient giving should contact chief development officer Anne Van Vleck: avanvleck@haconcapecod.org 508-771-5400, ext. 228

OR, SCAN TO VISIT US ONLINE TO LEARN MORE:

Roy Hammer of Cummaquid said he and his husband Jim Hinkle support Housing Assistance because “we’ve known for a long time that housing security is very difficult on Cape Cod and as the years have gone on, it’s gotten even worse, with the number of people who purchased houses here during the COVID period, pushing the prices up. We need to support Housing Assistance whatever way we can to make sure that working people can live on Cape Cod.

“If you’re fortunate enough to have securities and if they were purchased long enough ago that they increased in price, it makes sense to give the securities rather than making a cash gift If you were to sell the securities, you’d have to pay a large capital gains tax. Whereas, the gift of the securities gives you the benefit of the gift for tax purposes without the penalty of paying extra taxes.”

Housing Assistance to Open New Office in Orleans

Friends and supporters of Housing Assistance are invited to attend a Home for the Holidays Open House at the new Housing Assistance office in Orleans. The event will take place from 3 6 p.m. Monday, December 12, at 78 Route 6A, Orleans.

“Given the region’s expanse and transportation needs, it is important to our organization to ensure we are providing ready access to our services to all areas of the Cape,” said Cassi Danzl, chief operating officer for Housing Assistance.

Please join us and celebrate our new office and mingle with our team. Refreshments and light snacks will be served. We look forward to seeing you.

Parking is available nearby at the Governor Prence Inn, 66 Route 6A Please RSVP to Catherine Clark, director of development, at cclark@haconcapecod org by December 7th

Home for the Holidays OPEN HOUSE

DECEMBER 12 DECEMBER 12 3 6 PM 3 6 PM

At our new office location 78 Route 6A, Orleans

Cape Save, Inc and it's co owners, Bill and Mike McCluskey, are honored to have a more than 40 year partnership with Housing Assistance as a residential energy efficiency improvement contractor We are proud to continue our annual financial support and fully support the many programs and initiatives HAC offers

Safe, stable housing for all Cape Cod Communities benefits us all Housing shortages have not only impacted the community and our neighbors even some of our employees have had great difficulty finding stable, affordable housing on the Cape HAC works to help the most vulnerable among us have hope for safe, stable housing for themselves and their families

This is why Cape Save is honored to be a Visionary Sponsor. Together, we can help ensure that the important work Housing Assistance is doing will continue for many years to come. We will continue to support stable housing, energy efficiency, and financial literacy in 2023!

UPCOMING VIRTUAL CLASSES AND WORKSHOPS

Learn more and register at haconcapecod.org.

FIRST-TIME HOMEBUYER

Overview of the homebuying process. Topics include money management, mortgage loan programs, insurance and more

January 18 and 21 February 6, 8 and 13

HOMESAFE

Fulfills the post purchase education requirements and provides a forum to share experiences with other homeowners

December 3

Oysters and Champagne

Join us on Thursday, July 20, 2023, for the sixth annual Oysters and Champagne at the Wequassett Resort in Harwich.

MONEY MATTERS

Two evening workshop that will help you set financial goals, make a spending plan and identify ways to create an emergency fund

January 10 and 12 February 7 and 14

460 W. Main Street Hyannis, MA 02601 508 771 5400 haconcapecod.org

@HACONCAPECOD

FOUNDATION SPONSORS

VISIONARY SPONSORS

VISIONARY SPONSORS