Nonprofit aims to rebuild south St. Louis neighborhoods a house at a time - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
December 13, 2019 Newswires
Share
Share
Post
Email

Nonprofit aims to rebuild south St. Louis neighborhoods a house at a time

St. Louis Post-Dispatch (MO)

Dec. 13--At this time last year, Maria Aguilar-Bernal and Dany Estrada-Mendoza were searching for a way to get their children -- three girls and a boy, ages 5 to 18 -- out of their tiny Dutchtown apartment and into a home of their own.

"It's an American dream," said Estrada-Mendoza, a forklift operator who immigrated with his wife to the United States from Mexico 18 years ago. "You get your house, you give your kids an education."

Then they heard about a place just a few blocks away on South Grand Boulevard. It had fallen into disrepair, but landed in good hands: the St. Joseph Housing Initiative. The faith-based nonprofit has begun buying and renovating run-down homes in and around the Dutchtown neighborhood, aiming to change the trajectory of St. Louis families and revitalize neighborhoods, one homeowner at a time.

Finally, a place of their own

Though the rooms were unfinished when Maria Aguilar-Bernal and her husband Dany Estrada-Mendoza toured the house on South Grand on the edge of Dutchtown, they knew it was the one they would buy. The couple purchased their first home at the edge of Dutchtown with help from the St. Joseph Housing Initiative. Photo by Robert Cohen, [email protected].

Robert Cohen

Several local agencies are targeting the Dutchtown area with low-income rental units, down-payment assistance and financial literacy courses, among other programs. They see a corridor of the city dense with residents, full of good housing stock, and near up-and-coming neighborhoods.

In July, the Estrada-Mendozas became St. Joseph's first homebuyers.

"This is a vibrant area, but we want to make sure the neighborhoods are stabilized," said Bridget Flood, the executive director of Incarnate Word Foundation, a religious ministry with an anti-poverty mission.

Flood, along with St. Louis Archbishop Robert Carlson, founded St. Joseph's two years ago. They were in a meeting, discussing the Ferguson Commission's report, which includes a section on "optimizing existing housing support."

"You ought to think about doing houses," the archbishop told her.

It was just the opening she had been waiting for. Flood pulled a map out of her bag. She had already outlined an area, loosely bracketed from east to west by Broadway and Gravois Avenue, and from north to south by Meramec and Bates streets.

It is one of the most densely populated parts of the city, with a high concentration of young people. And it's diverse: In Dutchtown, the nexus of St. Joseph's focus area, about a quarter of residents are white. Half are black, and 11% are Hispanic.

St. Joseph's looks to match first-time buyers with homes

Electrician James Herron installs switch boxes in a bedroom of a Dutchtown home under renovation in the 4600 block of Alaska Avenue on Tuesday, Dec. 10, 2019. The house, and another adjoining home, are projects of the St. Joseph Housing Initiative. Photo by Robert Cohen, [email protected].

Robert Cohen

But less than a third of Dutchtown's homes are owner-occupied, compared to 43% across the city.

Families would stabilize. Neighborhoods would stabilize.

"Homeownership is the path to growing your median net worth," Flood said. "There's a huge disparity between blacks, Hispanics and whites. We wanted to face that wealth disparity."

According to the Federal Reserve Bank of St. Louis, white residents have a median net worth of $162,600; black residents have one-tenth of that: $16,400. Hispanics fare slightly better, at $21,600.

The archbishop agreed to raise half a million dollars in seed money. Incarnate Word Foundation added $50,000. Fundraisers, small donors and grants added cash.

By October of last year, the nonprofit had purchased the home on the 5000 block of South Grand and hired a contractor.

The big projects -- roofing and flooring, plumbing, heating and cooling -- are handled by professionals to avert any major repairs for several years. St. Joseph's aims to buy houses that need no more than $70,000 in rehab. Peripheral work, such as landscaping and painting, is farmed out to volunteers to cut costs and involve the community.

Finally, a place of their own

Taking a break from Thanksgiving leftovers, Maria Aguilar-Bernal warms tortillas while her daughter Ashley Estrada spoons out rice and beans for a family meal of carne asada at their Dutchtown home on Friday, Nov. 29, 2019. Photo by Robert Cohen, [email protected].

Robert Cohen

The St. Mary's varsity basketball team gathered one Saturday morning last spring, the day after they won the district championship, to clear out the cluttered basement of the Estrada-Mendozas' future home.

St. Joseph's lists its homes at their appraised value but offers a forgivable loan for the savings it garners from volunteer labor. For the Estrada-Mendozas, that came to about $30,000 on their $155,000 house.

As long as they stay in the home for five years, they won't have to pay it back.

Like many other housing agencies, St. Joseph's tries to set its buyers up for success by requiring them to take a home-buying education class.

It also strives to bolster community ties through its First Neighbor program, which pairs the new homeowners with a nearby family to provide support and personal connections. A couple who have lived on the street for 30 years became the Estrada-Mendozas' "first neighbors," joining the family for backyard barbecues and watching their rescue dog, Bella, when they went out of town.

Other efforts

The need for affordable housing in St. Louis is broad and acute, said Tom Pickel, the executive director of DeSales Community Development Corp, which manages 1,600 affordable rental units, mostly in Fox Park and Tower Grove East.

"Groups like ours are not going to run out of material any time soon," Pickel said.

But for now, a single focus is the guiding force behind St. Joseph's. No rental properties, full teardowns or from-scratch builds. No applying for government funding from block grants or state tax credits.

"That way we don't have delays. We can act quickly," said Maureen McCuen, who was hired as St. Joseph's executive director in October of last year.

St. Joseph's looks to match first-time buyers with homes

Maureen McCuen, executive director of the St. Joseph Housing Initiative, talks with contractor Na'im Gray about what type of ceiling insulation will be used in a Dutchtown home under renovation in the 4600 block of Alaska Avenue on Tuesday, Dec. 10, 2019. Photo by Robert Cohen, [email protected].

Robert Cohen

She works out of donated office space at St. Mary's and spends much of her time scouting houses, communicating with contractors and scheduling volunteers. St. Joseph's also has one part-time staffer.

In the meantime, the Estrada-Mendozas are gearing up for the holidays on South Grand. Their tree is decorated. Four stockings -- bedecked with Snoopy and Frosty the Snowman -- line the brand-new mantle.

It should be the first Christmas of many there, said Estrada-Mendoza. "We want to make this our forever home."

Finally, a place of their own

Finally, a place of their own

Maria Aguilar-Bernal and her husband Dany Estrada-Mendoza, center, lead their children in prayer over a dinner of carne asada in their new Dutchtown home on Friday, Nov. 29, 2019. The couple purchased their first home on South Grand at the edge of Dutchtown with help from the St. Joseph Housing Initiative. "It's the American dream, to raise your kids and get a house," said Estrada, who works as a forklift driver during the week and referees soccer games on weekends. From left are Zenda, Maria, Dany, D.J., Ashley and Danielle. Photo by Robert Cohen, [email protected].

Robert Cohen

Finally, a place of their own

Finally, a place of their own

Though the rooms were unfinished when Maria Aguilar-Bernal and her husband Dany Estrada-Mendoza toured the house on South Grand on the edge of Dutchtown, they knew it was the one they would buy. The couple purchased their first home at the edge of Dutchtown with help from the St. Joseph Housing Initiative. Photo by Robert Cohen, [email protected].

Robert Cohen

Finally, a place of their own

Finally, a place of their own

Danielle Estrada, 12 plays on the computer with her sister Zenda, 10, in the girls' bedroom that they share with a younger brother on Friday, Nov. 29, 2019. Three twin beds were donated for their large bedroom after their parents bought their first home on the edge of Dutchtown with help from the St. Joseph Housing Initiative. Photo by Robert Cohen, [email protected].

Robert Cohen

St. Joseph's looks to match first-time buyers with homes

St. Joseph's looks to match first-time buyers with homes

Electrician James Herron installs switch boxes in a bedroom of a Dutchtown home under renovation in the 4600 block of Alaska Avenue on Tuesday, Dec. 10, 2019. The house, and another adjoining home, are projects of the St. Joseph Housing Initiative. Photo by Robert Cohen, [email protected].

Robert Cohen

St. Joseph's looks to match first-time buyers with homes

St. Joseph's looks to match first-time buyers with homes

Maureen McCuen, executive director of the St. Joseph Housing Initiative, talks with contractor Na'im Gray about what type of ceiling insulation will be used in a Dutchtown home under renovation in the 4600 block of Alaska Avenue on Tuesday, Dec. 10, 2019. Photo by Robert Cohen, [email protected].

Robert Cohen

Finally, a place of their own

Finally, a place of their own

Taking a break from Thanksgiving leftovers, Maria Aguilar-Bernal warms tortillas while her daughter Ashley Estrada spoons out rice and beans for a family meal of carne asada at their Dutchtown home on Friday, Nov. 29, 2019. Photo by Robert Cohen, [email protected].

Robert Cohen

Finally, a place of their own

Finally, a place of their own

Ashley Estrada, 18, helps her brother D.J., 5, eat dinner as Dany Estrada-Mendoza talks with his wife Maria Aguilar-Bernal over dinner on Friday, Nov. 29, 2019. The couple purchased their first home on South Grand at the edge of Dutchtown with help from the St. Joseph Housing Initiative. "It's the American dream, to raise your kids and get a house," said Estrada. Photo by Robert Cohen, [email protected].

Robert Cohen

Finally, a place of their own

Finally, a place of their own

Maria Aguilar-Bernal and her husband Dany Estrada-Mendoza watch television with their children in their living room on Friday, Nov. 29, 2019. The couple purchased their first home on South Grand at the edge of Dutchtown with help from the St. Joseph Housing Initiative. "It's the American dream, to raise your kids and get a house," said Estrada, who works as a forklift driver during the week and referees soccer games on weekends. Photo by Robert Cohen, [email protected].

Robert Cohen

St. Joseph's looks to match first-time buyers with homes

St. Joseph's looks to match first-time buyers with homes

Maureen McCuen, executive director of the St. Joseph Housing Initiative, talks with contractor Na'im Gray about the location of a parking pad and fence behind a Dutchtown home under renovation in the 4600 block of Alaska Avenue on Tuesday, Dec. 10, 2019. Photo by Robert Cohen, [email protected].

Robert Cohen

NO headline in galleries

A message from David Nicklaus

A message from David Nicklaus

Want to stay smart about what's happening in St. Louis? Make a modest investment in a Post-Dispatch subscription and I'll tell you how developments around the world affect local businesses big and small.

SUBSCRIBE: Just 99 cents for the first month

___

(c)2019 the St. Louis Post-Dispatch

Visit the St. Louis Post-Dispatch at www.stltoday.com

Distributed by Tribune Content Agency, LLC.

Older

AM Best Revises Outlooks to Negative for Barents Re Reinsurance Company, Inc. and Its Affiliate

Newer

Erie Indemnity Approves Management Fee Rate and Dividend Increase, Declares Quarterly Dividend

Advisor News

  • Advisors must lead the policy risk conversation
  • Gen X more anxious than baby boomers about retirement
  • Taxing trend: How the OBBBA is breaking the standard deduction reliance
  • Why advisors can’t afford to delay succession planning
  • 6 in 10 Americans struggle with financial decisions
More Advisor News

Annuity News

  • CT commissioner: 70% of policyholders covered in PHL liquidation plan
  • ‘I get confused:’ Regulators ponder increasing illustration complexities
  • Three ways the Corebridge/Equitable merger could shake up the annuity market
  • Corebridge, Equitable merge to create potential new annuity sales king
  • LIMRA: Final retail annuity sales total $464.1 billion in 2025
More Annuity News

Health/Employee Benefits News

  • Lamont, Democrats divided on Connecticut Option health plan
  • Lamont, Dems divided on Conn. Option health plan
  • Many Virginians drop ACA coverage, SCC hears Many Virginians drop ACA coverage and more likely will, SCC hears
  • Beshear criticizes finalized GOP state budget as underfunding some needs, GOP responds
  • New Public Health Findings from National Research and Innovation Agency Described (Social Determinants and Health Insurance Inequalities Among Children Younger Than Five in Indonesia: A Secondary Analysis of the 2022 SUSENAS): Health and Medicine – Public Health
More Health/Employee Benefits News

Life Insurance News

  • WHAT THEY ARE SAYING: KATHLEEN COULOMBE JOINS ACU AS CHIEF ADVOCACY OFFICER
  • A-CAP Appoints Kirk Cullimore as President of Sentinel Security Life
  • Nationwide enters centennial year stronger than ever
  • AM Best Affirms Credit Ratings of Mutual of Omaha Insurance Company and Its Subsidiaries
  • AM Best Affirms Credit Ratings of CMB Wing Lung Insurance Company Limited
More Life Insurance News

- Presented By -

Top Read Stories

More Top Read Stories >

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Protectors Vegas Arrives Nov 9th - 11th
1,000+ attendees. 150+ speakers. Join the largest event in life & annuities this November.

An FIA Cap That Stays Locked
CapLock™ from Oceanview locks the cap at issue for 5 or 7 years. No resets. Just clarity.

Aim higher with Ascend annuities
Fixed, fixed-indexed, registered index-linked and advisory annuities to help you go above and beyond

Unlock the Future of Index-Linked Solutions
Join industry leaders shaping next-gen index strategies, distribution, and innovation.

Leveraging Underwriting Innovations
See how Pacific Life’s approach to life insurance underwriting can give you a competitive edge.

Press Releases

  • RFP #T01525
  • RFP #T01725
  • Insurate expands workers’ comp into: CA, FL, LA, NC, NJ, PA, VA
  • LifeSecure Insurance Company Announces Retirement of Brian Vestergaard, Additions to Executive Leadership
  • RFP #T02226
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet