Affordable Homes of South Texas, Inc.

aka Affordable Homes of South Texas, Inc.   |   McAllen, TX   |  www.ahsti.org

Mission

Affordable Homes of South Texas, Inc. is a community-based nonprofit organization enhancing the quality of life by providing affordable housing and related services to eligible families.

Ruling year info

1976

Executive Director

Mr. Robert Calvillo

Deputy Executive Director-Operations

Mrs. Myra L. Martinez

Main address

1420 Erie Ave

McAllen, TX 78501 USA

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Formerly known as

Community Development Corporation of South Texas

McAllen Affordable Homes, Inc.

EIN

74-1883434

NTEE code info

Housing Development, Construction, Management (L20)

Housing Rehabilitation (L25)

IRS filing requirement

This organization is required to file an IRS Form 990 or 990-EZ.

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Communication

Programs and results

What we aim to solve

SOURCE: Self-reported by organization

Affordable Homes of South Texas, Inc. (AHSTI) is a 501 (c) (3) non-profit organization whose mission is to enhance the quality of life in south Texas by providing affordable housing opportunities and related services to eligible families. Since its inception, in 1976 of managing a $100,000 revolving loan fund, to the present, there has been multiple transformations of the organization to accommodate target market and adjust to capital markets. AHSTI has evolved to become the largest Community Housing Development Organization (CHDO) in the south Texas region. As a Community Development Financial Institution (CDFI), AHSTI provides land development, general contracting, and mortgage financing exclusively for low-income working families who traditionally do not qualify for conventional loans.

Our programs

SOURCE: Self-reported by organization

What are the organization's current programs, how do they measure success, and who do the programs serve?

Lending and Loan Portfolio Management

The origination, underwriting, brokering, and servicing of amortized loans to low income individuals, non profits, and businesses.

Population(s) Served

This program comprises all activities involved in developing real estate. Such activities are inclusive of residential and commercial land development, as well as development for rental or resale purposes.

Population(s) Served

Providing rehabilitations, repairs, post purchase counseling, foreclosure prevention and mitigation services, and loans and grants to homeowners in pursuit of financing such activities.

Population(s) Served

This program is inclusive of activities in promotion of homeownership, financial fitness, pre-purchase counseling, financial assistance (through loans and grants), and sales of newly developed properties.

Population(s) Served

This program runs activities which help residents, the establishment of home owner associations, and the coordination of community fairs.

Population(s) Served

Where we work

Accreditations

Community Development Financial Institutions Fund of the United States Department of the Treasury 2001

Community Housing Development Organization - U.S. Department of Housing and Urban Development 1993

Affiliations & memberships

NeighborWorks America - Member 2019

Our results

SOURCE: Self-reported by organization

How does this organization measure their results? It's a hard question but an important one.

Number of low-income families housed in affordable, well-maintained units as a result of the nonprofit's efforts

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Related Program

Lending and Loan Portfolio Management

Type of Metric

Outcome - describing the effects on people or issues

Direction of Success

Increasing

Total dollar amount of loans issued

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Related Program

Lending and Loan Portfolio Management

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Number of jobs created and maintained

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Related Program

Community Building and Organizing

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Dollar amount of property taxes paid.

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Type of Metric

Output - describing our activities and reach

Direction of Success

Increasing

Dollar amount of contributions to local tax base.

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Type of Metric

Output - describing our activities and reach

Direction of Success

Holding steady

Dollar amount paid to subcontractors

This metric is no longer tracked.
Totals By Year
Population(s) Served

No target populations selected

Type of Metric

Input - describing resources we use

Direction of Success

Holding steady

Goals & Strategy

SOURCE: Self-reported by organization

Learn about the organization's key goals, strategies, capabilities, and progress.

Charting impact

Four powerful questions that require reflection about what really matters - results.

Affordable Homes of South Texas, Inc. is a community based non-profit organization enhancing the quality of life by providing affordable housing and related services to eligible families.

AHSTI offers a wide range of services proven to generate the best possible financial and socio-economic outcomes for eligible low-income families. AHSTI provides proven programs and innovative services through the following:

Homeownership Promotion and New Homebuyer Financial Education; Lending and Portfolio Management; Real Estate Development; Community Building and Engagement and Homeownership Preservation.

AHSTI utilizes a variety of capital resources including federal and state grants, to carry out its strategic plan and fulfill its mission. Major grants are obtained through HUD, Department of Treasury (CDFI) and NeighborWorks America, among others. Working capital is financed by loans from local banks and county and state financial entities. AHSTI has an aggressive outreach to local financial institutions in an effort to promote investment in affordable housing with the expectation of establishing strong bonds between the financial industry and low-income families who could be beneficiaries from this investment and communities which also reap the benefits of these collaborations.

Over the past forty-four years, Affordable Homes of South Texas, Inc. has been the top builder and financier in Hidalgo County of single family affordable housing for low to moderate income families. As the one-stop shop for affordable housing products in Hidalgo County, AHSTI’s capacity to implement the proposed project is demonstrated through the extensive experience acquired over years of fulfilling its mission of providing affordable housing opportunities and related services to eligible families.

With a full in-house construction department, led by the Deputy Executive Director of Real Estate, AHSTI ensures that that the quality of the homes it constructs meets local standards and that the homebuyer is involved in every step of the process. The team has a construction manager on site daily who ensures that the quality and work flows steadily to meet production. The team also has two additional staff members who serve in supportive capacities to the construction manager to ensure productivity is met.

AHSTI’s team is comprised of two Deputy Executive Directors and six Directors who lead their respective departments to ensure that the Customer Journey is smooth and efficient. Each department is integral to the viability of the project and understands their role within the full context. The team’s synergy and cohesiveness will allow AHSTI to implement the proposed project successfully and will provide the opportunity for eligible families to achieve their dream of homeownership.

With 2,383 requests for assistance in Fiscal Year (FY) 2019, AHSTI provided group education, which consists of: Homebuyer Education Classes, Financial Fitness Classes and Home Maintenance and Repair classes to 490 individuals. As a HUD approved counseling agency, AHSTI provided one-on-one pre-purchase counseling and credit counseling to 373 to in-house and external clients. In FY 2019 AHSTI facilitated the creation of 136 homeowners for a successful and sustainable homeownership journey.

As a loan servicer, AHSTI maintains an escrow account for each loan financed which is used to pay the homeowner’s property taxes, which for FY 2019 totaled $3 million. In FY 2019, AHSTI financed 97 primary loans, resulting in $7.9 million in affordable capital disbursed for low to moderate income families. This increased AHSTI’s loan portfolio to $57.3 million from $52 million in the last FY and resulted in total loans outstanding of 1,758. The estimated impact of this loan production on the local tax base of the county was $9.2 million for FY 2019. Over the last six years, AHSTI’s production of affordable housing stock has contributed a total of $50.4 million to the local tax base.

The economic impact AHSTI has on the communities through its volume of business is significant. AHSTI serves as the general contractor for all new construction, rehabilitation and replacement homes resulting in use of sub-contracting the various building components, which in turn usually require sub-contractors to hire personnel. Acknowledging its role as general contractor in FY 2019, AHSTI disbursed $2.7 million in payments to subcontractors. The jobs created in FY 2019 as a result of new construction services was 226.

With an increasing demand for affordable housing units, AHSTI’s goal is to continue increasing its Revolving Loan Fund in an effort to continue providing affordable capital for low to moderate income families in order to help them achieve their dream of homeownership.

How we listen

SOURCE: Self-reported by organization

Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.

done We shared information about our current feedback practices.
  • How is your organization collecting feedback from the people you serve?

    Electronic surveys (by email, tablet, etc.), Paper surveys, Suggestion box/email,

  • How is your organization using feedback from the people you serve?

    To identify and remedy poor client service experiences, To make fundamental changes to our programs and/or operations, To inform the development of new programs/projects, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve,

  • With whom is the organization sharing feedback?

    The people we serve, Our staff, Our board, Our funders, Our community partners,

  • What challenges does the organization face when collecting feedback?

    It is difficult to get the people we serve to respond to requests for feedback,

Financials

Affordable Homes of South Texas, Inc.
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Operations

The people, governance practices, and partners that make the organization tick.

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Connect with nonprofit leaders

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lock

Connect with nonprofit leaders

Subscribe

Build relationships with key people who manage and lead nonprofit organizations with GuideStar Pro. Try a low commitment monthly plan today.

  • Analyze a variety of pre-calculated financial metrics
  • Access beautifully interactive analysis and comparison tools
  • Compare nonprofit financials to similar organizations

Want to see how you can enhance your nonprofit research and unlock more insights? Learn More about GuideStar Pro.

Affordable Homes of South Texas, Inc.

Board of directors
as of 6/9/2020
SOURCE: Self-reported by organization
Board chair

Mr. Julian Lopez Jr.

Vantage Bank

Term: 2020 - 2023

Lorena Castillo

Rafael Munguia

Brian Disque

Julian Lopez

Randy McLelland

Jose Torres

Mario De Leon

Elias Lozano

Joe Califa

Orlando Hinojosa

Fernando Dominguez

Board leadership practices

SOURCE: Self-reported by organization

GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.

  • Board orientation and education
    Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes
  • CEO oversight
    Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes
  • Ethics and transparency
    Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes
  • Board composition
    Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes
  • Board performance
    Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes

Organizational demographics

SOURCE: Self-reported; last updated 06/03/2020

Who works and leads organizations that serve our diverse communities? GuideStar partnered on this section with CHANGE Philanthropy and Equity in the Center.

Leadership

The organization's leader identifies as:

Race & ethnicity
Hispanic/Latino/Latina/Latinx
Gender identity
Male
Sexual orientation
Decline to state
Disability status
Decline to state

The organization's co-leader identifies as:

No data

Race & ethnicity

Gender identity

 

Sexual orientation

No data

Disability

No data

Equity strategies

Last updated: 08/14/2019

Policies and practices developed in partnership with Equity in the Center, a project that works to shift mindsets, practices, and systems within the social sector to increase racial equity. Learn more

Data
  • We review compensation data across the organization (and by staff levels) to identify disparities by race.
  • We analyze disaggregated data and root causes of race disparities that impact the organization's programs, portfolios, and the populations served.
  • We disaggregate data to adjust programming goals to keep pace with changing needs of the communities we support.
  • We disaggregate data by demographics, including race, in every policy and program measured.
  • We have long-term strategic plans and measurable goals for creating a culture such that one’s race identity has no influence on how they fare within the organization.
Policies and processes
  • We have a promotion process that anticipates and mitigates implicit and explicit biases about people of color serving in leadership positions.
  • We seek individuals from various race backgrounds for board and executive director/CEO positions within our organization.
  • We have community representation at the board level, either on the board itself or through a community advisory board.
  • We help senior leadership understand how to be inclusive leaders with learning approaches that emphasize reflection, iteration, and adaptability.