It has been a long time since I posted about the Cottages, donated to the City of Greenwood for use as affordable housing, and a big part of my fellowship work plan. This is because a resolution needs to be passed by the Mississippi legislature (typically in session from January through March) to allow the Cottages to legally end up in the hands of the organization that will install and sell them. As with many affordable housing projects, we have run into unexpected snags, policy that never predicted our specific circumstance, and skepticism. A recent letter to the editor of the Greenwood Commonwealth voiced some very real concerns about the homes regarding their durability, safety in regards to resident health, and cost. As I continue to build relationships with our legislators and we hopefully move closer to successful passage of our bill, this letter also provided me with an opportunity to publicly respond to these concerns. Below are some important facts about the cottages and this project that I highlighted in my response in a letter to the editor run on Sunday, February 9th, 2014.
- The Mississippi Cottages are high quality homes. They were designed not as temporary shelters, but as a way for Gulf Coast communities to build back better than they had been before Hurricane Katrina. I spent a significant amount of time in the homes while working in Biloxi, and I would not be dedicated to this project if these homes were not of a quality that I would live in one myself.
- From a technical standpoint, it should be clarified that the homes are “modular”, not “mobile”. This means that they conform to the highest building standards, and will meet all code requirements in any area of the United States.
- In regards to finances, the Cottages themselves were donated, but the land on which they will sit, their foundations, driveways, steps, and mechanical, electrical and plumbing connections were not. These items combined will cost an estimated $25,000 for a two-bedroom Cottage. Pending passage of a bill currently in the MS legislature, the Fuller Center will sell the homes to applicants for only the costs that they invest in the items listed above. The mortgage the Fuller Center will offer will be for 15 years with 0% interest. It is our projection that the actual per month cost will be approximately $120-$160 in mortgage principal payment plus $60-$120 in monthly payments for insurance and property taxes.