Lucy Owens’ midtown condominium was a rare find on the HUD foreclosure list, and with its built in shelves and detailed appointments she knew instantly this was home. “I would still be renting if I had not discovered United Housing’s programs. I am so grateful for the opportunity to have my own home.”

As one of UHI’s first clients, Lucy attended UHI’s homebuyer education classes and received a special down payment assistance grant from UHI through the U.S. Department Housing and Urban Development.

Even though Lucy has a smaller yard than most homeowners, she still has responsibilities. “After the house warming party, I bought a few things, a hose, some basic tools and a weedeater. You have new responsibilities. It’s important to save, so when it is time to fix things you can. I want to make sure my house keeps up with the neighbors’.”

Lucy’s home is nestled in a secluded nook of midtown where she knows her neighbors and they look out for each other. Of the four units surrounding her, only one is rental and she feels this has lead to a sense of stability.

“The biggest challenge of being a homeowner is learning to prioritize things in your life. You need to be able to maintain your home.” Lucy protects her investment by sound budgeting and careful maintenance inside and out. She is happy to know that when she retires, she will own her home.

Lucy Owens purchased her home in 1995.