Affordable quality housing has always been at the forefront of CPLC’s comprehensive service system. To this end, CPLC has established an extensive housing system that incorporates several approaches to the development of affordable quality housing.
CPLC’s housing programs include a full-service commercial real estate management and development organization that provides facilities management. The agency offers counseling services to clients on mortgage default, pre-purchase, post-purchase, and first time home buyer education, financial literacy, foreclosure prevention and fair housing. In addition, CPLC develops and builds affordable single-family housing units for low-income families in economically distressed neighborhoods.
Tiempo, Inc., CPLC’s for-profit subsidiary, has become an economic engine through the construction, renovation, and management of buildings, job creation, and the expansion of economic development ventures. CPLC also promotes a senior housing agenda that incorporates a comprehensive center-based program that offers advocacy and case management services. In addition, CPLC offers a self-help housing program that provides opportunities for families in rural Arizona to cash in on “sweat equity” by providing their own labor. CPLC’s affordable housing programs have assisted families all over the state to achieve their dream of home ownership.
CPLC provides a full range of real estate services including multi-housing and apartment investment advisement, property development, domestic and international project marketing, residential asset management, acquisition, sales, and leasing.
Executive Vice-President, German Reyes and his combined team of real estate professionals with more than 45 cumulative years of experience are taking ideas from inception through project construction. Their knowledge includes single-family housing, multi-family housing, and commercial and industrial development construction in urban and rural areas.
CPLC for profit subsidiaries operate under Tiempo Inc., La Causa Development LLC, La Causa Construction LLC, and La Causa Realty LLC. Their extensive management enables them to be a professional guide in the design and construction of any project.
The real estate division also specializes in contracting with municipalities and funding sources via federal grants. LIHTC Affordable Housing, New Market Tax Credit projects, funding from HUD, EDA and other community capital, provide affordable housing alternatives to the communities they serve. Balancing mission driven projects with a competitive edge and expertise, the real estate division of CPLC is considered one of the top performing non-profits in the country.
CPLC has aggressively expanded the supply of affordable housing opportunities with supportive services for the elderly. According to a recent study by the Joint Center for Housing Studies of Harvard University, America’s older population is in the midst of unprecedented growth. This rapid growth will continue, especially as the “baby boomer” market segment begins to mature. Seeing this as a top priority It provides very low-income elderly with options that allow them to live independently but in an environment that provides support services such as cleaning, cooking, transportation, recreation, etc. Through the combined efforts of CPLC and its multiple funding partners, hundreds of senior individuals living in our seven complexes will be able to enjoy the benefit of quality, affordable housing in a safe environment.
In 1993, CPLC started the Self Help Housing Program in Santa Cruz County. The Self-Help Housing program is used primarily to help low- and low-income households construct their own homes. The program is targeted to families who are unable to purchase a home through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. Working on weekends, they perform tasks such as wall framing, installing trusses, sheetrock, installing doors and windows and flooring, insulation, painting, siding, cabinets, and countertops. The savings from the reduction in labor costs allows otherwise ineligible families to own their homes. If families cannot meet their mortgage payments during the construction phase, the funds for these payments can be subsidized.
CPLC is a Housing and Urban Development (HUD) approved counseling agency with more than thirty years of experience. CPLC provides housing counseling services designed to help individuals and families acquire relevant information needed to make sound decisions, identify affordable housing options, and maintain stability.CPLC’s staff of experienced counselors is dedicated to meet the needs of their clients through three primary areas of focus:
- Assistance for clients experiencing a variety of housing issues including landlord-tenant conflicts, mortgage delinquency, pending foreclosure, and incidents of fraud.
- Provide information through Homebuyer Education classes concerning the opportunities and responsibilities inherent in pre and post home purchases.
- Housing Counselors provide financial assessment, development of an individualized financial action plan, and pre-purchase counseling to prepare families for homeownership. These counseling services act as a pre-requisite for a family to obtain a cost-effective mortgage loan, decrease the risk of foreclosure, and increase the ability to successfully purchase a home.