“I had a dream that before turning fifty, I’d be out of subsidized housing,” Fay shared, “That was the legacy I wanted to pass on to my kids and grandkids.” 

In 2016, she met with her financial counselor, Ms. Michelle, to share her dream of owning a home. 

“My credit was bad, so it wasn’t going to be something that would happen overnight. But Ms. Michelle gave me a plan, and I did whatever she told me.” 

Fay built up her credit to a satisfactory level, established a monthly savings account, completed all required financial education and homebuyer preparation courses, saved for her down payment on the house, and completed 250 hours of “sweat equity” that is,  hands-on involvement in the building of Habitat homes with her community. 

Fay believed her dream was possible, but not if she went alone.“I think it’s easy for us to think we have to figure everything out on our own, but that isn’t true. It would have been impossible if I had to do all this alone.”

“Be honest, you need help! The good news is that there are people here who want to help you!”

After years of hard work, this month Fay will celebrate her 50th birthday with her family in her own home.

“When I tell people about my house, several people have broken down crying with joy. I think it’s because my story gives them hope.” 

“I tell them. ‘Never give up on your dreams, use your community for support, and trust that Jesus will open doors.” 

We are so grateful to have partnered with Fay as she spreads this message of faith to her friends and family.