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CEF First-Time Homebuyer Program Now Open

CEF First-Time Home-buyer Program is Now Open

In line with our mission to end the #racialwealthgap, we created our First-Time Homebuyers Program (FHP) to support CEF Members in Orange and Durham counties as they build wealth and stability through home-ownership.

We believe our Members making under 50% AMI should have a fair shot at building generational wealth. We also want to set our Members up for success. Because of external income and stability requirements by mortgage lenders and affordable homeownership organizations, within a process that has been shaped and gatekept by racialized capitalism, not every CEF Member who applies to our program will be accepted.

This has been a hard decision for CEF to make. We urgently implore local, state, and federal bodies to make radical strides toward removing any and all barriers to deeply affordable home-ownership for very low and fixed-income community members.

Until then, CEF aims to empower eligible Members with knowledge and tools they need to buy their first home.

Our Program Offerings Include

  • Financial coaching modules around homeownership
  • Connection to @HUDgov certified homebuyer education classes with local community partners: @empowementincnc , Reinvestment Partners and @communityhometrust
  • Support around hitting homebuyer savings goals
  • Financial assistance with downpayment and closing costs

Thanks to @chapelhillgov and Metlife Insurance, Upon completion of our FHP, CEF Members are eligible for 2:1 savings match in Chapel Hill, and a 3:1 savings match in Durham County, up to $2,000. So, Members buying a home in the Town of Chapel Hill can have up to $6,000 to put toward down-payment and closing costs, and Members buying in Durham can have up to $8,000.

We are grateful to our funders for working to alleviate one of the biggest barriers to homeownership: the upfront costs associated with buying a home.


Want more information?
Check out our screening and interest form, linked at: tinyurl.com/FHP2024

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Giving Essentials, Changing Lives

Join us in bringing hope and dignity to those in need


Join our donation drive to provide crucial essentials to individuals facing housing insecurity in our community. Your contribution can make a lasting impact by offering comfort and support to those who need it most. Together, we can make a difference. Donate today and help change lives for the better.

What You Can Donate:

  • Socks
  • Deodorant
  • Toothpaste
  • Toothbrushes
  • Travel Shampoo/ Conditioner
  • Sanitary Supplies
  • Menstrual Products (pads & tampons)
  • Adult Diapers (men & women)
  • Baby Wipes
  • First Aid Kits
  • Bottled Water
  • Suncreen

Drop Off Point: CEF CH Office 208 N Columbia St Suite 100, Chapel Hill, NC 27514

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2022 Annual Report: Joyful Community

A vibrant painting with a cloudy sky, orange sun radiating, and blue, pink, yellow, and black foreground. The words JOYFUL COMMUNITY are in blue in the sky. On the bottom right, the CEF logo and Annual Report 2022 are written in yellow.

2022 was a tremendous year for CEF! Our work was recognized both locally and nationally as we received the highest score on the City of Durham’s American Rescue Plan request for proposals and were honored with GSK’s IMPACT Award and Bank of America’s Neighborhood Builders Award. We were also selected as one of ten organizations to participate in Common Future’s 2023 Accelerator program, which will support our work to expand the first-time homebuyer program (see pg. 4). These recognitions demonstrate the importance of CEF’s work, especially as Members continue to recover from financial hardships related to the COVID-19 pandemic. 

In addition to recognition for our work, we also invested time and resources into creating a guide for the next five years. CEF’s new Strategic Plan was created with input from more than 65 community partners, Members, staff, board, and volunteer Advocates. We are so excited to share the plan with you

As we reflect on 2022, we will share stories using our new strategic framework (see pg. 5) as a guide. You will hear from Members about the importance of CEF being a strong & adaptable organization and how impactful organizing and advocacy affects their lives. You will also learn about some emerging programs that respond to Member needs and requests, and how CEF is investing in building a joyful community. 

CEF continues to focus on relationship-based care, with Member/Advocate meetings as the primary way for CEF Members to receive support. The Strategic Plan did not change CEF’s commitment to cultivating opportunities, assets, and communities that support the alleviation of homelessness and poverty–but, rather, it helped us hone in on what is important for CEF to be doing vs. what community partners and other service organizations can do to best support CEF Members. Thank you for being part of this journey with us and trusting us to do the work necessary to best support Members in our quest to end the racial wealth gap and empower the community.

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2022-2025 Strategic Plan

CEF Strategic Framework. Big Orange Circle with the words Building Joyful Community underneath. Inside the circle is a yellow triangle with the words Strong & Adaptable Organization underneath and three intertwining circles - two are the same size and one, on top, is slightly larger. The two that are the same size are navy and teal. The navy circles has the words Growing Through Partnerships next to it and the teal circles has the words Impactful Organizing & Advocacy. The larger circle is bright blue and says Responsive Member Services inside.

In partnership with consultants Jaclyn Gilstrap and Hope Tyson from A Visual Approach, CEF’s strategic plan is presented using an adaptation of an “Objectives and Key Results (OKR) Framework.” 

At the highest level of the strategic plan, the Big Goal and Key Contribution articulates CEF’s vision of community and its mission. These components are the guiding light of the strategic plan and connect the various areas of CEF’s work to the organization’s mission and its greater purpose in the community. In addition to the Big Goal (CEF’s Vision Statement), the survey data showed that Staff, Members, Volunteers, Board, and Community Leaders across the board saw an essential part of CEF’s efforts to be centered around Building Joyful Community. It was mentioned so often that it has risen to the level of the Big Goal. It is a complement to and expansion of the Big Goal, a doubling down and a re-commitment to this essential component of the organization’s character and culture.

  • Big Goal: Ending the Racial Wealth Gap, Empowering Community
  • Key Contribution (CEF’s Mission): Cultivate opportunities, assets, and communities that support the alleviation of homelessness and poverty

In order to achieve the Key Contribution, CEF believes that it must work towards all of the Objectives outlined in the strategic plan. The Objectives are significant and concrete, and there is a word attached to each that explains not only what the goal is but how it should be achieved (responsive, strong, adaptable, impactful, growth). As a whole, the Objectives make up the key areas of CEF’s work. The relationship between them is illustrated by the visual framework (FIG 1).

As we move forward in the direction of 2025, our organization is sure to experience many shifts and changes. This document is meant to help us navigate those changes, assisting us during times when decision-making feels hard and priorities are overwhelming. We thank each and every voice that contributed to this collective vision for CEF.

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2021 Annual Report: Hope Abounds

Hope Abounds: CEF Annual Report 2021

2021 was another difficult year. With the ups and downs of feeling like life was getting closer to pre-pandemic times and then going back into lockdowns and separation, CEF offered stability and companionship to Members. We stayed committed to remaining open, enforcing a vaccination or testing mandate for all staff and volunteers and continuing with COVID safety protocols to ensure that Members, staff, and Advocates could continue to meet safely. 

In this report you will learn more about CEF’s activities throughout 2021 — including information about our support of the Emergency Rental Assistance Program, the creation of the House Us Now coalition, and the joy experienced through the Share the Love: Art Show. In addition, you will hear stories from Members and Advocates–uplifting the hope they experienced as they worked alongside CEF to ensure that everyone in our community has access to safe, affordable housing and the opportunity for financial freedom.

As you read through this report I hope you will feel that hope too, that you can see the potential hiding just below the surface. Thank you for being a part of this incredible community and for continuing to offer support as we learn to adapt to a new reality. We are so grateful for each and every contribution. Thank you for supporting this work!

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House Us Now!

House Us Now! March for Affordable Housing at or below 30% AMI Rally in Chapel Hill Saturday, August 28 from 1pm to 5pm Meet at Peace & Justice Plaza, 179 E Franklin St. March to the Jackson Center, 512 W Rosemary St. For transportation info call CEF at 919-200-0233

Join us Saturday, August 28, to march for affordable housing for our community members who are at or below 30% AMI. There will be opportunities for folks with lived experience to speak out at the Peace & Justice Plaza. LOVE Chapel Hill will be providing transportation to the rally. Call the CEF Chapel Hill office at 919-200-0233 for more info on transportation. Live music at the Jackson Center will be provided by Chapel Hill’s Finest as well as food from Gametime Hot Dogs!

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2020 Annual Report: We are a Resilient Community

CEF Annual Report We are a resilient community 2020

As CEF has grown and blossomed over the years, we have been reminded, time and again, of the importance of being nimble and adaptive as we grow. As you will see in this report, 2020 was no different. In the enclosed stories you will learn how CEF responded to COVID-19 through articles and reflections from CEF’s staff. The report also shares more information about our quantitative impact and our year-end financials. This report is dedicated to the CEF Members who moved on in 2020, we hope you will hold them in your hearts and minds as you read.

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2019 Annual Report: We Grow Together

Cover for 2019 Annual report: collage representing community with the words hope, community, courage, and togetherness around the outside. Heart with houses, green space, and a gazebo in the middle

As CEF has grown and blossomed over the years, we have been reminded, time and again, of the importance of being nimble and adaptive as we grow. As you will see in this report, 2019 was no different. In the enclosed stories you will learn more about CEF’s deepening advocacy work; read about the programs we’ve built and strengthened; hear directly from Members, Advocates, and Staff about their connection to CEF; and see our quantitative impact.

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“I love it, I do”

I gave a sharp interview, I believe that’s what put me in there,” Leonard says with a smile. In April, he interviewed for one of the newly-completed PeeWee Homes, tiny homes built on the property of Episcopal Church of the Advocate in Chapel Hill. A couple of days later, he received a call: “‘You have one of the PeeWee Homes!’ I went and picked my key up, signed my lease, and been there ever since. This month it’ll be 8 months. I love it, I do.” 

After experiencing more than 30 years of homelessness, Leonard’s home still feels new. When Leonard isn’t out working one of his two jobs, his home provides a peaceful haven. He regularly checks on his neighbor, PeeWee (after whom PeeWee Homes is named), who loves to fish in the pond out back. On Sundays, he attends church next door at Episcopal Church of the Advocate.

Before finding his own home, Leonard stayed at the InterFaith Council (IFC) shelter for seven years. There, he heard about and connected with CEF, and began working with Advocates to achieve a comprehensive slate of goals: securing multiple jobs, navigating benefits like food stamps, budgeting, saving for a laptop, and obtaining health insurance.

Leonard’s Advocate, Keely, recalls looking through housing listings for months on end without finding any answers. “Where do we go from here?” she wondered.

One day in the CEF office, Keely heard the PeeWee Homes were becoming available and realized they were an ideal fit: they were located by a bus stop, affordable, and Leonard met the income eligibility guidelines. Several meetings, emails, phone calls, a written application, and one “sharp interview” later, Leonard showed up to his regular Wednesday meeting with good news. “What did they say?” “I got one!” Keely’s notes from their meeting that day say it all, “it was just a billion exclamation points!” 

“I was falling down until I started working with CEF. Keely, Zoe, and other Advocates… I’ve basically dealt with all the Advocates here.” Leonard continues to meet with his Advocates on Wednesday mornings, working towards even greater savings and financial goals. “I don’t bother my money in my CEF Safe Savings Account. I let it stay there.” 

Originally from Raleigh, Leonard left home when he was 19 or 20. “I’ve been pretty much homeless most of my life. It was a rough life, I didn’t ever think I was going to get back on my feet, but I did. I kept the faith and kept going at it.”

“[Now] I’m on my feet, got me two jobs working two stores. I got my own place. I can look over my shoulder. I’ve got too much to lose now and I’m trying to stay ahead, keep the faith, and keep doing what I gotta do.’” 

To help support this work, please consider making a donation during CEF’s Holiday Campaign! Thanks to a generous group of CEF donors who came together to match year-end contributions, your gift to CEF will be doubled through December 31st, up to $38,000!

Heartfelt thanks to our friends at PeeWee Homes, who built Leonard’s home! Learn more about the initiative here: https://peeweehomes.org/

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CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233

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