BUILDING

HOMESmore than

2010 Annual Report

Harford Habitat for Humanity, just like every Habitat home, is built on a strong foundation. During fiscal year 2010, we built, rehabbed and repaired homes, while laying the groundwork within our organization for a year of significant growth. That meant building six homes, repairing more than 25, restructuring our organization, acquiring ten building lots for the next fiscal year, and raising more money than ever during an economic downturn. A tall order indeed, but with God as our guiding light and a community of generous and loving people, we were able to accomplish our home building and repair goals and prepare for a phenomenal year of growth.

It is clear to all of us at Harford Habitat that the homes we build are more than just a place to live. They are a symbol of the trust, hope, love, and respect we build with our families, volunteers, donors and community partners. The critical home repairs we make remind us that we are all in need of restoration. By putting faith into action, we truly show the love of Christ to others. Yes, because of you, we are building more than houses and our foundation is strong. Thank you.

-- Joann Blewett, Executive Director

“As for everyone who comes to me and hears my words and puts them into practice, I will show you what they are like. They are like a man building a house, who dug down deep and laid the foundation on rock.”

Luke 6: 46-49

Board of directors

officersPam Ruff, President

Steve Linkous, Vice President

Daniel Lamey, Treasurer

Megan Lally, Secretary

directorsJohn Brice, Annette Haggray,

Raymond (Chick) Hamm, Jr.,

Colleen Ferg Helmlinger, Teresa Herbert,

Kristy Hiser, Joe Hurley, Bob Johnson,

Theresa Lewis, Yvonne Roberson,

Mark Schlottman, Danielle Tinsley

Mission Statement: As a reflection of God’s love, and in partnership with low-income families and the community, Harford Habitat for Humanity seeks to create homeownership opportunities by building, renovating and repairing homes.

Vision Statement: Harford Habitat for Humanity’s vision is to eliminate substandard housing in Harford County, Maryland through action and advocacy.

staffCaroline Adolph, Development Associate

Joann Blewett, Executive Director

Deb Ciresi, Office Manager/Family Support Coordinator

Phil Eichensehr, Purchasing/Warehouse Manager

Judy Fritz, Resource Development Director

Dave Guttman, Construction Manager

Dave Hall, Construction Supervisor

Chad Hildebrandt, FIXIT UP Program Manager

Anne Hottle, Office Assistant

Jodie Kristy, Volunteer Coordinator

Michaelann Meehan, Grant Writer

Dave Roush, Construction Supervisor

Chuck Slusher, Director of Operations

Mission Statement: As a reflection of God’s love, and in partnership with low-income families and the community, Harford Habitat for Humanity seeks to create homeownership opportunities by building, renovating and repairing homes.

Vision Statement: Harford Habitat for Humanity’s vision is to eliminate substandard housing in Harford County, Maryland through action and advocacy.

from the Board President . . . Harford Habitat for Humanity is making life changes for deserving families every day. I am in awe of the generosity of our contributors, the dedication of the staff, the commitment of the board, and the hard work and appreciation exhibited by all members of our partner families. We are building affordable homes and providing extensive household repairs, but the bricks and mortar do not tell the full story.

In spite of a down turn in the economy, vendors, donors, and volunteers who contribute to our home building and repair efforts, have not wavered in their resolve. In fact, together this year, we served more families than ever since our inception. Solid partnerships have been formed and communities have begun to take shape as a result of our work.

Our supporters experience a tremendous sense of fulfillment because they see firsthand the work we are doing in the community. Thank you for doing your part to help make life changes for the hard working families we serve.

-- Pam Ruff, President

Families ServedFY 2008 6 houses built 2 critical repairs FY 2009 6 houses built 40 critical repairsFY2010 31 families served 65 people served

Harford Habitat for Humanity • 2010 ANNUAL REPORT

Habitat Tithe

4 Families . . .received homes in Kenya and El Salvador thanks to our tithe to Habitat Kenya and Habitat

for Humanity El Salvador. Since our inception, a total of 46 families have received a

home with our tithe.

OurCommunity

PartnersAberdeen Proving Ground Federal

Credit UnionCity of Aberdeen

FCCAUHarford County Government

Dept. of Community Services Harford County Detention Center Harford County Housing Agency Harford County Office on Aging

Harford County Public Library Harford Family House

Harford Technical High School Home Partnership

PNC BankPoint Breeze Credit Union

The ARC Northern Chesapeake RegionUWCM – Wings Leadership Program

FY2008 FY2009 FY2010*

*Beginning in FY2010, we are reporting families and people served rather than houses and repairs completed.

6

2

6

40

31

65

w w w . h a r f o r d h a b i t a t . o r g

Construction HighlightsNew Homes . . . Harford Habitat homes are simple, decent and affordable. Our homes are large enough to meet a family’s needs but small enough to keep construction and maintenance costs low. HHH uses quality building materials and all homes are Energy Star qualified. Through volunteer support, efficient building methods and no-interest loans, Habitat homes are affordable for Harford County families in need.

2010 ANNUAL REPORT • Harford Habitat for Humanity

28Critical Repairs

28Critical Repairs

8 - Aberdeen5 - Edgewood1 - Havre de Grace3 – Bel Air3 - Darlington5 – Street3 – Forest Hill

Types of Repairs15 - Critical Repairs, 6 - Ramps,

7 - General Maintenance

repair Program . . .Habitat’s repair program, FIXIT UP, provides critical repairs (heating and air conditioning, roofs, hot water heaters), accessible ramps for those with disabilities, and general maintenance repairs. Families are selected based on need, willingness to partner and income.

More than 100 Harford Tech students built a modular LEED certified home in partnership with HHH and Bank of America.

6Families

6Families

moved into new homes in FY2010Weddle Family, 400 Warren Street, Aberdeen

Hoke Family, 838 W. Spring Meadow Ct., EdgewoodAcosta Family, 508 First Street, Aberdeen

Webster Family, 438 Washington Street, AberdeenDennis Family, 7 Defense Drive, AberdeenShanka Family, 424 Dembytown Rd., Joppa

*Three families had two different types of repairs made to their home in FY 2010.

. . . from a VolunteerWhat first drew me to Harford Habitat for Humanity was the opportunity to help raise money for an organization whose goals were, quite literally, concrete. The immediate gratification of watching walls go up and the roof being placed, gave me a sense that I was truly helping to make a difference in the life of the partner family who would now call this house a home.

As my involvement in Habitat grew, so did my understanding of what that home truly represented. When the foundation of a Habitat house is poured, it represents so much more than a place to begin to build a home. It is the foundation of a whole new life, where a family can live securely, knowing that they are building a better life for themselves and their children. Yet that foundation goes beyond the perimeters of the house itself, for it is the beginning of a new community that exists with a new pride of place. When you are treated with dignity and respect, when you are truly a part of the process of building your home, and your new life, that sense of belonging radiates outward, to extend to your street, and your neighborhood, and your town.

I have been wonderfully touched by my participation with Harford Habitat for Humanity. Experiencing the joy and the hope of the partner families has been truly fulfilling. What Habitat builds is not simply a house, or even a home. What Habitat builds goes beyond security or community. Whether we swing a hammer, partner with families, or raise money, what we are truly building is grace, grace that touches everyone who has had a role in creating such a strong foundation.

--Anne Geraghty, Harford Habitat Volunteer

w w w . h a r f o r d h a b i t a t . o r g

Volunteer HighlightsOur volunteers swing hammers

at the construction site, work on committees, serve on the board of directors, help in our office, mentor

our families and much more. Our generous and dedicated volunteers enable us to grow and serve more families than ever before. Thank

you for all you do for our families!Anne (center) serves on the Family Selection and Dream Builders’ Ball Committees.

169Youth Volunteers

Harford Habitat for Humanity • 2010 ANNUAL REPORT

633Volunteers633

Volunteershelped build or repair homes in Harford County donating

17,645 hours of service• Equals approximately $352,900 in skilled labor time

16Business Groups

23Church or Civic Groups

6Families

moved into new homes in FY2010Weddle Family, 400 Warren Street, Aberdeen

Hoke Family, 838 W. Spring Meadow Ct., EdgewoodAcosta Family, 508 First Street, Aberdeen

Webster Family, 438 Washington Street, AberdeenDennis Family, 7 Defense Drive, AberdeenShanka Family, 424 Dembytown Rd., Joppa

IndividualsDr. & Mrs. Vijay M. AbhyankarMr. & Mrs. Nelson E. AcostaMr. Roy C. AlbertMr. & Mrs. James J. AndersonMr. & Mrs. Timothy L. AndersonAnonymousMr. and Mrs. Lou BakerMr. & Mrs. Lionel J. BaneMr. David J. Barnes Mr. Wayne BenjaminMr. & Mrs. James BettersMrs. Janet A. BlairMr. Scott BlalockMr. & Mrs. William K. BlewettMr. & Mrs. John BotzlerMs. Joanne BowmanMs. Anne BredlowMr. John R. Brice & Ms. Judith Morgan Ms. Ruth S. BurnsMr. & Mrs. James C. CallisMs. Marilyn F. CarlonMs. Inez CarterMs. Elsie Cerutti & Mr. Ryan Pierson, Jr.Mr. & Mrs. Donald L. ChristMr. & Mrs. Richard ClarkMr. & Mrs. Michael (Mike) M. ClaussMr. Thomas CleaverMr. & Mrs. Frank ClementsMr. & Mrs. David Combs Mrs. Brenda ConjourMr. Thomas James Connelly, Jr.Mr. & Mrs. Curtis CoonMr. David W. CooperMs. Phyllis CooperMr. James Corbett Mr. Edward W. CorcoranMs. Mary CorddryMs. Louise CostelloMr. Steven N. CumminsMr. & Mrs. Bill Cyr Mr. & Mrs. Frank A. DagostinMr. Adam Datesman & Dr. Julie DucharmeMr. & Mrs. Jack Deal Mr. Donald DeanMr. & Mrs. Christopher DeaverMs. Carol A. DeelMr. & Mrs. Charles E. Delss, Jr.Mr. & Mrs. Robert DeShongMr. David DixonMr. & Mrs. Pearre E. DoetschMr. and Mrs. Wayne DoughertyMr. & Mrs. Jeffrey M. Dresher Ms. Joyce DuffyMr. & Mrs. David A. DulikMr. Michael EckMr. & Mrs. Paul EdmeadesMs. Barbara EhlersMs. Vanessa J. Evan-Bouchelle Mr. & Mrs. John FerriterDr. & Mrs. Dennis F. FisherMs. Mary Kay FishpaughMr. & Mrs. Gregory FoxMs. Indhira FoxMr. Jonathan FoxMr. & Mrs. William R. FritzMr. Clarence FryMr. & Mrs. Joseph P. FuchsMr. & Mrs. Sigmund GastMr. & Mrs. Bernie GemmillMrs. Thelma W. GentryMr. & Mrs. Kevin GeraghtyMr. & Mrs. Richard Gilligan Ms. Rita A. Glover

Mr. & Mrs. John Goldbeck Ms. Angela GoodeMs. Patricia K. Hodney-GouldMr. & Mrs. Robert B. GreeneMr. & Mrs. Michael GribbinMs. Kris GronauMr. & Mrs. Charles C. Guido, Jr.Mr. & Mrs. Dave O. GuttmanMr. & Mrs. Dave HallMr. & Mrs. Raymond W. Hamm, Jr.Dr. Leo R. Handerhan, Jr.Ms. Julie HannahMr. W. Andrew HansonMs. Karen M. HanyokMr. & Mrs. John Happick Ms. Christine M. HarkinsMr. & Mrs. Tom HartMr. Larry HawkinsMr. and Mrs. Robert HeadMr. and Mrs. Richard HerbigMs. Judy A. HermanMrs. Charlotte HilbergDr. & Mrs. J. Scott HilbergMrs. Anne HottleMr. & Mrs. Joseph HughesMr. & Mrs. Joe HurleyMr. & Mrs. William InskeepMr. & Mrs. Robert L. JamesonMr. Ted M. JasinskiMs. Magdalena Jean PierreMr. and Mrs. M. A. Johnson Sr.Mr. & Mrs. Robert L. JohnsonMr. George JonasMs. Patricia Oster-JonesDr. Thomas E. Jordan & Ms. Christine HatemMr. & Mrs. Kenneth H. KammererMr. Kevin KantorMr. Joseph KeefeMr. & Mrs. Kerry KellyMr. & Mrs.Phillip KenneyMr. Timothy J. KernsMs. Julie A. KesslerMs. Nichole KeysMr. & Mrs. William KietzmanMr. & Mrs. Daniel KilbyMr. Glenn KirchnerMr. & Mrs. Stephen KirchnerMrs. Susan P. KlotzMr. & Mrs. Timothy KnabeMr. Leo Knighton, CPAMrs. Isabelle KnoxMr. & Mrs. Frederick KoenigMs. Ruth E. KohlMr. Brian KolbeMr. & Mrs. John KorahMr. & Mrs. Joe KosiorekMr. John B. KrauseMs. Sandra C. KrauseMr. William R. KressMr. Jack LaCesaMr. Robert LangerMr. & Mrs. Calvin LangfordMr. John LeavyMr. Arthur LeeMs. Mary Eileen LewisMs. Sherry LewisMr. & Mrs. Robert LiebMr. Nathan LiebelMr. & Mrs. Steven LinkousMr. Blaine LinkousDr. & Mrs. Robert S. LinseyMr. & Mrs. Richard LinthicumMr. & Mrs. Harold LootensMs. Joan LudlowMrs. Barrie MartinMs. Elizabeth MasterMr. Chuck Masters

Mr. Michael R. and Carole A. MatejevichMr. & Mrs. Craig MathaneyMr. Don MathisMr. Howard McComas IIIMr. & Mrs. Robert McCormackMs. Susan McCueMr. Charles McGeeMrs. Gretta McGillMr. Jason McGeeMr. & Mrs. Martin MeehanMr. Anthony MeoliMs. Janet MessanaMs. Vanessa R. MilioMr. & Mrs. Bruce MillerMr. & Mrs. Douglas MillerMr. & Mrs. Levi MillerMr. Frederick O. MitchellMr. Gary K. MoulsdaleMr. Kevin T. MurrayMr. Christopher MyersMs. Kami MyersMr. & Mrs. Michael MyersMrs. Linda MyrickMr. John NausedMr. Paul A. NelsonMr. & Mrs. Josh NelsonMs. Nancy NewmanMr. Ben O’DonnellMr. Edward O’Mara, MDMr. & Mrs. John O’NeillMr. Michael PalmerMr. Don W. ParishMr. Craig ParkerMr. & Mrs. Marion ParkerMr. Sean PayneMr. Donald PerryMr. William PettyMr. Jim PiccioneMr. & Mrs. Larry Pickett Mr. & Mrs Dale S. Pickett Jr.Mr. Ryan PiersonMr. & Mrs. Josh PonsMr. & Mrs. William PoulsenMr. David M. PoustMr. & Mrs. Roger K. PrestonMr. Andy QuinnMr. John J. RayMs. J.B. ReddingMr. Firmadge N. Rein IIIMs. Eileen RestaMs. Louisa RettewMs. Yvonne RobersonMr. & Mrs. William RobinsonMr. & Mrs. Douglas RogersMrs. Pam RuffMrs. Angela RyanMr. William A. RyanMr. & Mrs. Ronald T. SayersMr. Jeffrey SchoenbergerMr. Joseph C. ScottMr. Randy SebraMr. & Mrs. Lou SedlakMs. Patricia SenyardMr. & Mrs. David M. SewellMs. Kristin Hughes ShortMr. Paul J. SierocinskiMr. Allan G. SkewersMr. & Mrs. Chuck SlusherMs. Joyce SmithMrs. Beverly SmithMr. & Mrs. Edmund Snodgrass Mr. & Mrs. Scott T. SobkaMr. E.I. SproulMr. & Mrs. David StarnesMs. Patricia StasiakMr. & Mrs. Edward G. StauchMs. Marie V. StavrosThe Honorable Donna StiflerMr. Henry W. Suchting IIIMs. Mary SyphardMr. & Mrs. Ken SzymanskiMs. Laurie TaborMr. David ThomasMr. Ronald ThomasMr. & Mrs. David ThomeyMr. & Mrs. Charles ThompsonMr. Craig Thompson

Mr. & Mrs. Stewart Throop COL and Mrs. Kenneth TozziMr. and Mrs. Gene TracyMr. & Mrs. Paul Tracy The Treherne FamilyMr. & Mrs. Louis J. TrinchereMs. Adelina TumanengMr. & Mrs. Joseph TunneyMr. James UlmanRev. & Mrs. Lloyd UmbargerMr. & Mrs. Fred E. UngerMr. Charles E. UtermohleDr. and Mrs. Richard Van SciverMr. & Mrs. Lawrence Vande KieftMr. Eduardo VelezMs. Patricia VenturinoMr. Louis VigliottiMr. Rick VitekMr. James VogtMrs. Mary Ellen Volkart Mr. Charles E. Wagner, Jr.Mr. William B. Wallace, Jr.Mr. Richard WalshMr. & Mrs. Jeffrey R. WalshMr. Scott WalkerMr. Scott WaltonMs. Deborah WatsonMr. Aaron WeisingerMr. William E. WhiteMs. Joan WigginsMs. Nancy WilcoxDrs. Mark & Marta WildMr. Arthur WilsonMr. & Mrs. Chuck Wilson Mr.Charles WoodMs. Pamela L. Young Mr. Eugene ZacerousMr. & Mrs. Jonathan S. ZaderMr. Christopher Zukowski

In-Kind Donors13th Hour PhotographyCity of AberdeenAdvance Printing, Inc.Alcoa Fastening SystemsAldino Sod Farms, Inc.Allied PhillipsAmerican Visionary Arts MuseumAmy Vanicky PhotographyArbonne InternationalDanielle Arcelisi PhotographyAref’s Oriental RugsArt Craft Incentives &

PromotionsArts d’TryonAstrum SolarAvonAyd TransportB. FabulousBalsamo, Stewart, Lutters &

Ruth, P.A.Baltimore OriolesBaltimore RavensBaltimore Symphony OrchestraMarianne BanisterBank of AmericaBarnes and NobleMartin BarryBear-ly UsedBeauty Within Skin Care, LLCBee Happy Wedding and Event

PlanningBel Air Athletic ClubBel Air Decorative PaintersBel Air LiquorsCindy BellBellissimoBenchmark Administrative

Support Services, Inc.Debra BerneyBeyond FitBruce Bitner’s Café and GrilleJoann BlewettBliss Coffee & Wine BarBloom’s Broom DairyBobrow Brothers, LLCBonefish GrilleLois BonnerRita Boone

Boordy VineyardsAlan BoroshokBosom Buddy BagsJohn & Kelly BotzlerMichael BrittBoyle Buick Annette G. BrownRon BrownBud’s National Permit Service,Inc.Builders Laminated ProductsBulle Rock Suzanne BurtonMarlene ButlerC.R. WingsCampbell & Nolan, Inc.CandidAce PhotographyCanvas BrothersAudra CaplanPatricia CarterKerry CavanaughMary ChanceCarolyn ChanoskiJulie ChaplinCharm City RunSandy ChaseChesapeake Bay Golf ClubChesapeake Cycle and SportChesapeake Quality TradersChiapparelli’s of Little Italy, Inc.Chrysalis InteriorsChurchville Golf CenterCimino’s Office SystemsCirca LTDAugie CiresiCathy CochranCoffee CoffeeCeleste CollinsColor ImagesBrenda ConjourCookie Lee JewelryBeverly CottonCourtland Hearth and HardwareLisa CowanMelinda CraigCranford ContactorsKaitlyn CustisDeborah DachilleDanaher CorporationLarry DeanCarol DeelCharles E. DelssPatricia DesiderioSandy DevanD’Nan PhotographyPat DonovanDow ChemicalDreamworks/EMSJoyce DuffyMarie EdmeadesKendel EhrlichElectronic Specialties, Inc.Elin Hilderbrand BooksShari EllikerEnergy Services GroupMelissa EspeyEXIT Preferred RealtyFerguson Enterprises, Inc.Jeffrey FisherFlagship MoviesSarah FleisherFluke CorporationForest Hill Elementary School PTAFred V. Fowler Co., Inc.Fuller and Associates InsuranceFurnace Bay Golf ClubKaren GaronoGeneva FarmsGessner, Snee, Mahoney &

Lutche P.A.Kim GettierPat GilliganGirl Scout Troop #234Dana GonzalezGreaver ConstructionDonna GustafssonGuthridge Insurance AgencyHair Design, LLC.Harford CarpetHarford Chorale Society

Harford County Literacy CouncilHarford County Nutrition

AssociationHarford County Public Library

FoundationHarford Friends SchoolHarford VineyardsHarman’s Farm MarketAdele HartJack HarveyJan HasselbuschLaura HaugHeartbeatHeimstadt-WilsonHenry J. Milliner, Jr.Hess Hotels GroupDiana HirshhornHobby WorksChristina L. HoffmanHome Title CompanyChristina HughesGermaine B. HughesHurley World Travel CompanyHyatt Regency Chesapeake Bay

Golf Resort, Spa and MarinaJulianne IrwinIt’s PayDayJessica KartalijaWayne KasecampJohn KovalchickSenator Nancy JacobsDel. Mary-Delany JamesNellie JohnsonJones JunctionJoppatowne Women’s ClubJS Products, Inc.K & B Bridal and Event PlanningK & G Enterprises, Inc.Key TitleBruce KinzingerAndrea KirkDaniel KirklandKristy Breslin KlevinskyKnipex Tools LPDenise KochSheryl Davis-KohlLaura KoonceKroh’s LandscapingLadew GardensLadies Total FitnessWill LarneyLavalierRoger LewisSherry LewisMarlene LiebLinda’s Flooring ConnectionLisle CorporationLog Cabin CandiesLong and Foster Real Estate, IncLowe’s of Bel AirPatty LuekertLynne BrickMaGerk’sMain Street Tower Restaurant

and LoungeCarol MallonMannekin ConstructionMary Beth MarsdenPeter MartineauMarvac Scientific Manufacturing

CompanyMary Kay CosmeticsMaryland Cosmetic Laser

InstituteMaryland Golf and Country ClubMaryland Materials, Inc.Maryland Mobility Solutions, LLCMaryland Portable ConcreteMaryland Turf Caterers, Inc.MASN Sports NetworkMaster ApplianceMastercool Inc.Master Graphics, Inc.Christine MastersMastersealMandy MatthewsMcCormick and CompanyKimmie MeissnerMerle Norman Cosmetics and

Day SpaTammy MichaelsMicroflexSenator Barbara MikluskiMLK PhotographyMo-Clamp Pull-It CorporationModSpaceMoore’s CandiesSusan MorrisMichelle MosserMountain Branch Golf CourseMichael MyersMyronNational Aquarium in BaltimoreNational ElectricNational GypsumMs. NelsonChristopher NenadalNEW ConstructionNewcomers’ Club of Harford

CountyNutriLiteOdyssey Salon and Day SpaOne LupineOpen Doors Career CenterLester OsburnP.F. ChangsPairings BistroDebbie PhelpsPilgrim’s Oak Golf CoursePoint Breeze Credit UnionDebbie Cyphers-PrestonPreston’s StationeryPrivate Brand ToolsProfessional Tool ProductsPutt-Putt Fun CenterRain Water Collection SolutionsRe/MaxSue RiceRichardson’s FloristJoyce RillRipken BaseballVi RipkenMs. RobertsonRockfield ManorRojahn Custom CabinetryThe Costanzo-Romero FamilyIlma RosskopfBetty RouseRTI TechnologiesPam RuffPaula RyanJoan RyderS & K Heating & Air ConditioningSage Title CompanySaxon’s Diamond CenterKiyomi SchabdachPatricia ScottScotto’sSelect Event RentalsSandra ShawRobert ShankSilver BuckleSimply Charmed BoutiqueSimpson Strong TieSlavie Federal Kathleen SmithSmuckers Quality Beverages, Inc.Smythe JewelersSouth Mane SalonSquare DSt. Margaret ParishSt. Patrick’s ChurchState Farm Insurance AgencyState Line EngineeringJames SterlingVernon SternDelegate Donna StiflerClaire StonerStrakes, Roberts and Bauer

AdvertisingSubway of StewartstownSusan StrawbridgeConrad SullivanSweet Stuff, Etc.Swingtime BallroomClaire TageserTaLaura’s BoutiqueDavid Talbot

“We are so grateful to all of our supporters. Please forgive us if we inadvertently missed your company or name on our lists.”

2010 ANNUAL REPORT • Harford Habitat for Humanity

Donors . . .

Talbot’sMarie TalleyTanglewood Golf CourseTargetDavid TaylorTaylor Brands, LLCTea Trolley Tea RoomTGI Friday’sThe Aegis/Homestead PublishingThe Arena ClubThe Club at Patriots GlenThe Color Lounge Salon & SpaThe Great American Tool Company, Inc.The Gutter GuysThe Home DepotThe MacGroup, LLCThe Olive TreeThe Open Door CafeThe Painted GardenThe RED CompanyThe Wallpaper StudioThird Base Wine & SpiritsThompson MovingSally ThornerTiger LilyTitlePoint CorporationToree TobiasToby’s Unique CreationsTracy TiernanTrinity HandbagsTwo Sisters GalleryUMCM-Wings Leadership ProgramValspar PaintVulcan Materials CompanyScott WalkerWalt Disney WorldWawaJared WelshDan WheelerWhirlpool CorperationWhite Hall Plumbing & Hydronics Whitetail Ski Resort

Tom WiegandWindow Visions, Inc.Kelly WinnerWolf Fire ProtectionYaleAdrienne YangZeynep HallJohn Zito Photography

Businesses/Civic Organizations

A.A. Coleman & Robinson National Training Center

Air Conditioning Contractors of AmericaAlliance Mortgage FundingAllied Heating & Air ConditioningAmerican Legion Aux. No. 256Amhranai Na GaeilgeAndrea Kirk, CFP, Ameriprise Financial

ServicesAPGFCUAstro Pneumatic Tool CompanyBalsamo, Stewart, Lutters & Ruth, P.A.Baltimore County Savings BankBarry’s Service CenterBattelle Eastern Science & Technology

CenterBel Air Downtown AllianceBel Air Nissan / Subaru, Inc.Bell Truck RepairBenfield ElectricBernie’s Automotive Services, Inc.Betty Williams-Exit Preferred RealtyBlack and DeckerBoyle Buick, Inc.Bravo HealthC.R. WingsChase Auto CareChesapeake Building ComponentsChesapeake Environmental

Management, Inc.

Chesapeake Quality TradersCivil Utility Construction Company, Inc.CJK DBA Collison’s Body ShopCollins Collision and Auto RepairComputer Design Kitchen CenterContinental Technologies, Inc.Core - Design Group, LLCCOUNTCross Swords RenovationsDail Tax & AccountingDave’s Auto Care, LLCEdmeades & Stromdahl, LtdEpicurean CateringFISH of Harford CountyFrederick Ward AssociatesFrito Lay, IncFull Potential MarketingGannett Fleming CompaniesGlenangus HomesGold Medal Physical TherapyHammen Contracting, Inc.Hanover InsuranceHarford Community CollegeHarford Financial GroupHome Instead Senior CareHomestead - Wakefield Elementary

SchoolHomestead HandymanHurley World Travel Co.Integrity Cleaning, Inc.J & H TiresJ.W. & Sons Inc.James CorbettJay Van DeusenJones JunctionKelly Financial Group, LLCKerry Hochstein & AssociatesKMH Tools Inc.Laurel Bush Family DentistryLions Club of Bel AirLou’s Auto ServiceMadison Square Federal Savings BankMarine Repair Unlimited, Inc.Master Graphics, Inc.MATCO ToolsMDRA of Harford CountyMerle Norman Cosmetics & Day SpaMerrill Lynch, David J. BarnesMichael’s Bay MarineMichael’s Outboard Marine ServiceNewcomers’ Club of Harford CountyPatrick’s CarpetPhil & Rick’s Service Center, Inc.PNC BankPoint Breeze Credit UnionProfessional Tool ProductsRapid Refill IncRite Aid CorporationRosedale Federal Savings & Loan

AssociationRotary Club of Aberdeen Ruxton Car CareS & K Heating & Air ConditioningS. Thomas ContractingSaxon’s Diamond CentersSengstacke & Evans, LLCShenandoah Sash & Door, Co.Slavie Federal Savings BankSpring Valley FarmState Farm AgencySunshine DesignsT & E Tools, LLC

The Harford Mutual Insurance Companies

Thomas Trading, Inc.TitlePoint CorporationTrapped In Paradise VacationsTrue Colors Collision UnlimitedVehicle Service Plus, Inc.Vulcan Materials CompanyWachoviaWal-Mart Stores, Inc. - AberdeenWeb Ad.VantageWells FargoWillis Concrete ConstructionWinks Building Supply

Faith Based Organizations

Bel Air United Methodist ChurchBethel Presbyterian ChurchChrist Our King Presbyterian ChurchChurchville Presbyterian TrusteesDeer Creek Harmony Presbyterian

ChurchEpiscopal Regional Council of Harford

CountyFallston Presbyterian ChurchFirst Presbyterian Church of Bel AirGrove Presbyterian ChurchHavre de Grace United MethodistHelping Hands MinistriesHighland Presbyterian ChurchHoly Cross Episcopal ChurchHopewell United Methodist ChurchLinden Heights United Methodist ChurchLutheran Church of the Good ShepherdMountain Christian ChurchOak Grove Baptist ChurchPresbyterian Church of Havre de GraceSt. Francis de Sales ChurchSt. Ignatius Roman Catholic ChurchSt. Joan of Arc ChurchSt. Margaret ChurchSt. Mark’s Roman Catholic Church

FallstonSt. Mary’s Episcopal ChurchUnited Methodist Men of Cranberry

UMC

Grants, Foundations, Trusts

Bank of America FoundationCommunity Foundation of Harford

County, Inc.Harford County Government - Dept. of Community Services - Harford County Housing AgencyHerud Family Living TrustDepartment of Housing and Community

Development - MAHTMaryland Energy AdministrationMorris A. Mechanic Foundation, Inc.Renaissance Charitable FoundationRichard E. Steever Revocable TrustStudent Trades FoundationThe Harry and Jeanette Weinberg

FoundationThrivent Financial for LutheransUnited Way of Central Maryland Combined Federal Campaign-

Chesapeake Bay Area

“As we moved through the requirements to complete the Habitat program, we gained a wealth of knowledge and experience to become more educated, disciplined homeowners. We met a number of wonderful individuals who were more than willing to help us balance our check book, organize our finances, and learn the tricks of saving money. Working on site was simply amazing; never could we have imagined the dedication that the youth and adults who helped build our house would have in making this dream come true. We went on site as strangers and left family.”

- Gregory and Bernita Taylor

income- fY2010 Government $848,607* 52.0%foundations/corporations $456,842 28.0%churches $69,977 4.3%individual $34,693 2.1%special events $84,189 5.2%Mortgage income $123,312 7.6%other $13,847 0.8%

$1,631,467 100.0%

expenses - fY2010 Program services $1,265,629 83.8%fundraising $72,737 4.8%Management & General $172,515 11.4%

$1,510,882 100.0%

*$358,199 of government funds were a result of federal stimulus money received to purchase and rehab foreclosure properties.

Harford Habitat for Humanity • 2010 ANNUAL REPORT

Harford Habitat for Humanity, Inc. is a nonprofit Christian housing ministry.

Lester’s Story. . .After finishing school in 2003, I decided to start working on some of my goals. I told my parents I wanted to stay on the same job I worked while in school because I was happy with the company. Well, that meant I have reached goal number one, a job I enjoyed. Next we talked about me moving into an apartment. Here we go again, I have reached another goal, number 2.

Now I have been working for 9 years and living in my apartment for 6 years, but things are not working out at the apartment. There have been many maintenance issues so it’s time to reach another goal which has always been important to me. I want A Home I Can Call My Own.

Ms. Sue Rattman from the Arc Northern Chesapeake Region (Self Directed Supports), Dave Hasbury (Neighbours Inc), family, friends and myself had a PATH meeting.

During the Path meeting I explained what kind of house and neighborhood I wanted. Mr. Dave drew my PATH on paper and it hangs on my wall so whenever I look at it I will stay focused.

We later had a meeting with Mr. Joe Wykowski and that was one of the times we were informed of Habitat. We went to Home Partnership Inc., there we met Ms. Kim Cowie, who explained more to us about Habitat. Ms. Cowie also went over my finances and informed me I would qualify for a Habitat House. Well, I was approved by Habitat’s Board of Directors and great things started happening for me.

Harford Habitat for Humanity employees, volunteers, and partner families have become an extension of my family. Doing the sweat equity was a chore in the beginning, but the people I have been working with are all caring and fun so it became enjoyable.

On September 24, 2010, I reached goal number 3, A Home Of My Own! Thanks to God, Family, Friends, and Habitat I Have a Home! I am now praying for the day when I will be able to share my home with my wife and our children. (Goal number 4). It will happen when God says it is time.

Thank you, Lester Harriswww.harfordhabitat.org

PartnerFamily HighlightsHarford Habitat Partner families are selected based on their level of need, willingness to partner with HHH, and the ability to repay a no-profit, zero interest loan. Habitat is not a giveaway program. In addition to a down payment and monthly mortgage payment, partner families invest up to 500 hours of their own labor—sweat equity—into building their Habitat homes and the homes of others.

1540Sweat Equity Hours

were contributed by our partner families while

building their home and the homes of others.

2010 ANNUAL REPORT • Harford Habitat for Humanity

Over the years, Harford Habitat for Humanity and The ARC Northern Chesapeake Region have shared a similar vision. The ARC Northern Chesapeake Regions helps people with developmental disabilities build better lives. Our partnership has grown even stronger as Harford Habitat was able to help one of the ARC’s clients, Lester Harris, realize his dream of homeownership. The following is

138 Hourswere spent in

homeownership classes by our partner families.

As part of their sweat equity requirement, our families attended classes such as Budgeting,

Finding Hidden Cash, Healthy Credit Habitats and Home Maintenance to name a few.