District 10 Financial Empowerment Program Luanch


San Francisco Housing Development Corporation

District 10 Financial Empowerment Program



What is the District 10 Financial Empowerment Program?


The District 10 Financial Empowerment Program (D10 FEP) provides a network of financial services and products specifically designed to support eligible clients in their efforts to achieve their mid- to long-term financial goals and build the financial capability of low- and moderate-income residents of San Francisco’s District 10.


Come to the D10 FEP launch event!

San Franciso Housing Develpment Corporation

4439 Third St. San Francisco, 94124

June 24th

5:30pm – 7:30pm


Where is District 10?

San Francisco Supervisorial District 10 is in the southeastern section of San Francisco and includes the neighborhoods of Potrero Hill, Central Waterfront, Dogpatch, Bayview/Hunters Point, Little Hollywood, India Basin, Silver Terrace, Visitacion Valley, and Candlestick Point. Although not perfectly aligned, District 10 roughly approximates the boundaries of the 94124, 94134, and 94107 zip codes.


What is Financial Empowerment?

Financial empowerment is the ability to have more choices in life through an individual’s increased capability to make sound financial decisions. This transformed financial stability can be achieved through financial education, increased credit scores and savings, reduction in debt, better ability to

manage emergencies, and use of appropriate and fiscally responsible products.



This program is an innovative response to the growing need for financial education, counseling and coaching in our community.



Program Highlights

  •  Serves one hundred D10 individuals/families over a two-year period
  •  Addresses the opportunities and obstacles to achieving financial goals including:

o   Homeownership

o   Small Business Development/Expansion

o   Increased Credit Scores

o   Lower Debt

o   Increase Savings (Emergency and Goal Specific)


Who is Eligible?

Individuals who…

  • Live in the zip codes of 94124, 94134 and 94107 (District 10) or are interested in returning to District 10
  • Have earned income
  • Have long term goals


Next Steps

In the meantime, we welcome you to enroll in any of our upcoming workshops such as Financial Fitness, First Time Homebuyers, Rental Readiness, or Your Credit Matters. You can find more details and register for these workshops at http://www.sfhdc.org/workshops.


Jacob’s Center Community Meeting

The Implementation Committee for the Hunters Point Shipyard/Candlestick Point Community Benefit Agreement & The Jacobs Center for Neighborhood Innovation Village at Market Creek Plaza, San Diego, CA

 MAY 21, 2014 at 6:30 PM

At the Ironworkers Hall

570 Barneveld Rd, SF 94124

(Dinner included)

The Jacobs Center is an operating nonprofit foundation that works in partnership with the Jacobs Family Foundation and residents of San Diego’s Diamond Neighborhoods to build a stronger community through entrepreneurial projects, hands-on learning relationships, and the creative investment of resources.

 The Jacobs Center is very interested in the development of San Francisco’s southeastern neighborhoods and wants to take this opportunity to present their experiences with The Village at Market Creek and discuss potential innovation strategies that benefit the existing community members.

The Village at Market Creek was built on a 60-acre brownfield, surrounded by blighted properties that were transformed into a healthy vibrant neighborhood.  Its original goal was to secure the community’s first grocery store, something that had been missing for more than 30 years. Resident teams expanded the vision to include a full commercial and cultural center.

The project became a powerful platform for collective action and investment, with “resident ownership of neighborhood change” growing to mean ownership of the implementation of the projects within The Village.  Today, the Village at Market Creek’s teams continues to put the building blocks in place for a vibrant cultural village built on the strength of citizen action. It is an example of how an engaged residential community can find the pathway to change and build communities of opportunity and caring.

SFHDC Financial Empowerment Program Introduction “Meet & Greet”

San Francisco Housing Development Corporation along with the Implementation Committee for the Hunters Point Naval Shipyard and Candlestick Point CCBA held its Financial Empowerment Program Introduction as the first step to implementing its Financial Empowerment programs to the residents of District 10. SFHDC also took this opportunity to introduce key staff members of the Financial Empowerment Team to participants of the 2013 listening sessions. We invited the participating Executive Directors and other members of these organizations to see the result of their work and to bring any questions or concerns about the upcoming programs.

It was very encouraging to see representatives from The United Council of Human Services, The Bayview Opera House, Young Community Developers, College Track, The Implementation Committee for the Hunters Point Naval Shipyard and Candlestick Point CCBA, Bayview Hunters Point Multipurpose Senior Services, Tax Aide, The San Francisco Office of Financial Empowerment, San Francisco Organizing Project, The San Francisco Labor Foundation and The San Francisco Foundation. There was a rich and healthy discussion between all parties involved, a variety of topics were touched upon ranging from systematic barriers to housing to personalized financial services.

SFHDC encouraged the representatives of these organizations to reach back into their constituencies and inform residents of District 10 of the programs that are going to be rolling out Mid-June from the Financial Empowerment grant awarded to SFHDC.

For more information about SFHDC and the Financial Empowerment Programs visit sfhdc.org

New Contracting Opportunities in Green Infrastructure Construction

Green Infrastructure Banner

New Contracting Opportunities in Green Infrastructure Construction 

As part of the Sewer System Improvement Program (SSIP), the SFPUC is building eight innovative green infrastructure projects throughout the City in the next few years. As the SFPUC upgrades its aging combined sewer system, the SFPUC will integrate a mix of green (landscape and streetscape projects to manage stormwater) and grey (pipes, pump stations and other facilities) infrastructure projects to improve its sewer system. This marks the beginning of many green and grey infrastructure projects that will be built over the next 20 years as part of the SSIP.

While these projects require new skills, they open the door to new opportunities for many contractors. The opportunities for green infrastructure work will increase because private developers are also required to incorporate green infrastructure into their projects.

Find out how your company can participate in upcoming green infrastructure projects including upcoming contracts with the City.

WHEN:            May 20th and June 3rd, 2014
3:30 – 4:30 PM

WHERE:          SFPUC Contractors Assistance Center
5 Thomas Mellon Circle, Suite 168, San Francisco, CA 94134

Free Parking

Free Admission

Registration to Follow/Space is Limited. Click here to RSVP.

The Implementation Committee Coordinator

The Implementation Committee has selected Zachary McRae to be the Implementation Committee Coordinator. Zachary provides technical and administrative support to members of the Implementation Committee and develops, distributes and preserves communications for the Implementation Committee’s website. He serves as liaison and advocate between the Implementation Committee, community members and organizations. Zachary McRae is a San Francisco Native and has worked within Bayview as well as San Francisco Supervisorial District 10 prior to coming to the Implementation Committee. Zachary McRae can be reached at 415.733.8544 or at zmcrae@sff.org and is located at The San Francisco Foundation, One Embarcadero Center, Suite 1400, San Francisco, CA 94111 .Zachery McRae

Small Contractor Mobilization Revolving Loan Fund RFQ

With the assistance of The San Francisco Foundation, the Implementation Committee (IC) for the Core Community Benefits Agreement (CCBA) of the Hunters Point Naval Shipyard development is issuing a Request for Qualifications (RFQ) seeking statements of qualifications from licensed businesses and organizations that are experienced in providing loans, loan guarantees, and/or financial products to small businesses, particularly small construction contractors.

From the respondents, the IC will select a qualified vendor and negotiate a grant and contract with it to administer a Small Construction Contractor Mobilization Loan Fund targeted to small construction contractors that are historically based in San Francisco’s District 10 and commit to employ 30% of District 10 residents to their workforce. Contractors that are eligible, as defined elsewhere under the eligibility criteria, will have an opportunity to apply to the vendor for loans from the Mobilization Fund.

The IC has set goal to reach $1 million and has contributed an initial capital investment of $250,000 for the Loan Fund.  It is actively seeking additional investments from its partner organizations and intends for the Mobilization Loan Fund to be designed and operated as a revolving loan fund capable of assisting many small contractors over several years.

The objective of the Small Contractor Mobilization Fund is to assist owners of licensed small construction contractors that are historically-based in D10 or owned by D10 residents to acquire short- term, low interest rate financing to support their temporary mobilization capital needs and construction management technical assistance (TA) as they participate in construction projects associated with Phase 1 and/or Phase 2 of the Hunters Point Naval Shipyard and Candlestick Park development projects.

The IC and The San Francisco Foundation anticipate making one award that will result in the preferred vendor establishing a Small Contractor Mobilization Loan Fund that will operate as a revolving loan fund; from which District 10 based small construction contractors will be awarded mobilization loans and construction TA.  The goal of the loan and TA are to provide the financial and management assistance needed to propel them to grow, establish a track record of successful projects and debt service, and become bankable through conventional bank financing as they participate in construction projects associated with Phase 1 and/or Phase 2 of the Hunters Point Naval Shipyard and Candlestick Park development projects. The successful applicant will be required to originate, close and service multiple mobilization loans. All mobilization loans will be required to carry a linkage with mandatory participation in an established construction contractor technical assistance program, which is intended to insure that the contractors master a set of contractor core competencies based on best practices in the construction contracting field. Applicants who are located in D10 or have a demonstrated at least a 3-5 year history of providing financial products to small contractor businesses in neighborhoods similar to District 10 will receive priority consideration.

For more information, please contact Zachary McRae at zmcrae@sff.org or 415.733.8544

Implementation Committee Grant $600,00 to San Francisco Housing Development Corporation

SAN FRANCISCO –March 4, 2014 – The San Francisco Foundation and the Core Community Benefits Agreement (CCBA) Implementation Committee announced a grant of up to $610,000 to the San Francisco Housing Development Corporation (SFHDC) to provide asset-building and financial empowerment services to residents of District 10. This new comprehensive effort will improve credit scores, financial literacy, increase savings, and provide more working capital and small loans in D10.

“This is an exciting moment for the community,” said James Head, Vice President of Programs of The San Francisco Foundation. “Community residents identified through a number of listening sessions that financial resiliency and empowerment is the top priority. We’re ensuring that these funds meet that vision and need and will bring the best asset-building services in the Bay Area to District 10.”

The San Francisco Foundation provides technical assistance to the CCBA Implementation Committee and serves as the grantmaker for the CCBA funds, which come from the CCBA reached between San Francisco community groups and Lennar Urban, the managing partner of the group redeveloping Hunters Point Naval Shipyard and Candlestick Point.

“The services SFHDC brings to District 10 preserve a promise made to our residents that they will benefit from the development of the Hunters Point Shipyard and Candlestick Point,” said Jacob Moody, former chairman of the Implementation Committee. “This is the beginning of a process to improve lives in a community that has suffered from much neglect.”

SFHDC has a 25-year history of helping people achieve their financial goals and is the core financial empowerment agency in Southeast San Francisco. The grant will support SFHDC’s Financial Empowerment Center and bring financial services to D10 residents to meet people where they are, support them in identifying financial goals, as well as potential obstacles and opportunities, and offer appropriate strategies, services and products to meet those goals.

”The communities in southeast San Francisco are in dire need of these services and have been for a very long time,” said Supervisor Malia Cohen, who represents District 10 in southeast San Francisco. “This grant will help empower some of the most vulnerable residents and truly improve their everyday lives. I am grateful for the San Francisco Foundation and CCBA’s commitment to serving the southeast and I look forward to working with them throughout this process.”

SFHDC and its partner will offer menu of service and product options to residents throughout a 2-year period, including intensive financial counseling for 100 participants, as well as outreach efforts including a Financial Capability Summit, sponsored by CollegeTrack, and a mobile financial fitness clinic consisting of a minivan (the “Financial Fitness Coach”) that will provide financial counseling throughout the D10 neighborhoods at a wide variety of community events throughout the two-year period and beyond.

“SFHDC is proud to have been selected by the Implementation Committee and The San Francisco Foundation to provide an innovative and comprehensive package of financial products and services that will have a lasting and measurable impact on the lives of District 10 residents,” said David Sobel, CEO of SFHDC. “We and our partners look forward to serving the community and empowering residents to define and achieve their individual financial dreams and goals.”

San Francisco Housing Development Corp (SFHDC) will serve as the lead agency and collaborate with project partners including SF Office of Financial Empowerment, Bayview Hunter’s Point Foundation for Community Improvement, Bayview Hunters Point Community Legal, Tax-Aid, College Track, Asian, Inc, New Generation Covenant Church, Salvation Army Golden State Division, Juma Ventures, Mission Asset Fund, Mission SF Community Financial Center, Opportunity Fund, Habitat for Humanity of Greater SF, BRIDGE Housing Corp, and Bayview Hunters Point Multipurpose Senior Services.

“In partnership with the City of San Francisco, we are creating long-awaited opportunities in District 10,” said Kofi Bonner, President of Lennar Urban. “We are meeting our commitments and we expect this grant will enable people to take advantage of those opportunities.”

As the first step to the roll out of these programs, SFHDC will be holding a “meet and greet” with the Financial Empowerment Team and the Executive Directors of community organizations along with interested community members on Tuesday, May 13th 2014, from 11:30am – 1:00pm.

About The San Francisco Foundation
The San Francisco Foundation (TSFF) is the community foundation serving the Bay Area since 1948, granting more than $800 million over the past ten years. Through the generosity and vision of our donors, both past and present, TSFF granted $89 million in fiscal year 2012. TSFF brings together donors and builds on community assets through grantmaking, leveraging, public policy, advocacy, and leadership development to make a greater impact in our community. By focusing on people, organizations, neighborhoods, and policy, advocacy and organizing, the Foundation addresses community needs in the areas of community health, education, arts and culture, community development, and the environment. In response to the economic downturn, TSFF is also focusing funding on safety net partners, job creation and training, and mortgage foreclosure relief and neighborhood preservation. The San Francisco Foundation serves San Francisco, Alameda, Contra Costa, Marin, and San Mateo Counties. www.sff.org



Request For Proposals: Financial Empowerment

On behalf of the Implementation Committee, The San Francisco Foundation is excited to be releasing this request for proposals (RFP) for one or more grants aimed at increasing the financial empowerment of low and moderate income residents of San Francisco’s 10th Supervisorial District (District 10). This RFP reflects input from the community gathered during a series of listening sessions in fall and winter of 2012-2013.

How to Apply:
Online proposals and supporting documentation are due by noon on Monday, November 4, 2013 for renewable two-year grant(s) commencing in January 2014. For more information and to apply, please access the application on Grantee Center, our online application portal.

Eligible Organizations:
Successful applicants will need to demonstrate their ability to offer services and products resulting in multiple subsets of residents evidencing improved financial capability (e.g., reduced debt, regularity of savings deposits, improved credit scores, use of consumer-friendly financial services and products, increased savings). Applicants will also need to articulate how the proposed services and resources connect to or support housing and employment-related outcomes. Given the diversity of residents’ financial situations and aspirations, partnerships that make available a wide array of services and products will be looked upon favorably. Additional eligibility and evaluation criteria are detailed within the RFP.

Only nonprofit organizations and public agencies are eligible to apply.

Proposals from partnerships (potentially including for-profit entities) are strongly encouraged.

Interested organizations are encouraged to attend an optional How to Apply Workshop on Monday, September 30, 2013 from 3:00-4:30 p.m. The location for the workshop will be announced at a later date. RSVP for the workshop to Nila Kim at nkim@sff.org.

The Community Voice: Listening Sessions Report Now Available.

Our new report based on our Listening Sessions last fall is now available.

In the report, you’ll find:

  • Resident insights on how to develop District 10’s workforce;
  • Housing needs in the District: what’s working and what isn’t;
  • New data on mobile/internet access, transportation needs, and economic readiness.

We are excited to release this report widely, as it includes the voices of over 400 residents who came to these sessions. You can download the report in full here.

Listening Sessions Complete!

We know our work of implementing this package of community benefits will only be successful if we are guided by resident voice. With that in mind, we embarked on a mission to hold a series of listening sessions throughout District 10 over the fall in partnership with local community organizations.

Over 400 people attended the 19 sessions, filled out surveys and participated in lively discussions about the future of the District. We heard many shared concerns and struggles which will help inform our work.

We’ll be releasing a report in the coming days that highlights the issues lifted up by residents. Many have already attended job training programs or received affordable housing services and had incredible insights on how this work can be improved in the District. Some highlighted the difficulty of finding information about services available.

We also learned some key information about District residents that we are keen to share. Some residents are facing foreclosure and don’t know how to access help. Others are facing stringent housing criteria that they cannot meet— making it harder to access quality affordable housing.

A common shared concern was the feeling that residents had been asked the same question, many times, by many different groups. We hope that sharing the report will enable other organizations to be guided by resident voice in the same manner.

Stay tuned.