Discover Lafayette podcast

Melinda Taylor, Executive Director of Lafayette Habitat For Humanity

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Melinda Taylor, Executive Director of Habitat for Humanity, joins Discover Lafayette to share the work of her organization. A native of Wichita, Kansas, Melinda has served as ED of Habitat since 2000, the year she moved to Lafayette, after serving in a similar position in Hattiesburg, MS. Interestingly, her realtor at the time of her move here in 2000 served on the board of Habitat and encouraged Melinda to apply for the first ED position to be filled here in Lafayette. Now, 24 years later, Melinda is still exemplifying what it means not only to lead, but to inspire others to volunteer and make meaningful change in our community. Habitat serves as both a building contractor and the lender for qualified clients, and helps individuals acheive homeownership who can't otherwise access the commercial lending market. Qualified Habitat clients must make less than 80% of the median income in our region. Although they are individuals with low to moderate income, they are steady in life and willing to partner and work with Habitat toward their goal of homeownership. Some may have no credit or negative credit scores, so they are unable to qualify for a conventional mortgage. Melinda points out that Habitat's clients have the capacity to make the payments of their monthly rent, which unfortunately is sometimes up to 1/3 to 1/2 of their income. It can be more expensive to rent a home in Lafayette than it is to pay for a Habitat mortgage payment. Lower rents are usually tied to substandard housing options, so applicants are eager to get into a Habitat home and enjoy an affordable, well-built, and energy efficient home. Many more applicants apply for the program than can be helped, and some people have a lot of work to do before they qualify. Habitat will send these individuals to other organizations who can help them work on their credit so that they can successfully re-apply. LCG's Community, Development & Planning Department offers a Neighborhood Counseling Service that brings in professionals to teach how to work on getting credit in better shape and stabilizing income in preparation for homeownership. Also, First Horizon's Congress St. branch offers "Hope Inside," a class that helps people work on their credit and learn about home ownership. The Louisiana Housing Corporation offers online training and financial literacy program, and assists low to moderate income individuals prepare for homeownership. Individuals who have judgments or liens against them are precluded from qualifying until these issues are cleared. It can take 18 months to two years for a successful applicant to get into their new home. Patience is needed. The journey to home ownership includes completing an educational process, volunteering time to build other Habitat homes as well as the one they will move into, and of course, the actual build time to construct the house. Funding is derived from a variety of sources and Melinda says "We never get enough funds to build the whole house. HOME grants from HUD are earmarked locally for building affordable housing, and Habitat also leverages these funds with other resources, such as in-kind and monetary donations of all sizes. In 2022, Lafayette Habitat received an unsolicited $2.5 million donation from philanthropist MacKenzie Scott. Also, as Habitat homeowners pay their mortgage, the payments go back into the process, so as they make their payments, they are paying it forward because it's reinvested back into the program." Pictured is a Women Build Team from Catalyst Bank in February 2024. Melinda Taylor says, "Volunteers really drive our work. They are the engine that keeps things going. Not just on our construction site but also at our ReStore. We have regular volunteers from the University as well as future homeowners themselves who work alongside our crew. We work with volunteers at all levels. Our crew is patient and teaches our volunteers whatever they need to know.

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