As a recent graduate of the University of Maryland, I am slowly becoming more cognizant of the vast range of responsibilities that accompany entrance into adulthood. The “college life” allowed for an extended period of youth, wherein everything from living and eating, to a gym membership was simply waiting for me: I did not have to figure life out, I simply signed up. So now, as I am preparing to attend law school, get an apartment, start repaying loans, find transportation for navigating the city, buy and prepare food for myself, etc., I realize that I cannot just sign up; I have to figure out exactly what I am signing up for. One fundamental need that adults must figure out and sign up for, is homeownership or renter-ship, as having a secure refuge is intrinsic to subsistence and well-being. I, in my extended youth, have taken for granted the reality that having a space that is a home, is the product of a complex process, and furthermore that the security a home is expected to provide may be confounded by the insecurity that the processes of home owning and renting are disposed to.
Over the summer, I am interning as a legal assistant at St. Ambrose Housing Aid Center, a community-based nonprofit organization that focuses on providing housing opportunities and assistance to people living in the surrounding neighborhoods. The legal department of St. Ambrose specializes in providing representation for foreclosure mediation as well as advice on legal issues that may be encountered throughout the process of owning a home. During my first few days here, as I have listened to the attorneys discuss cases, witnessed meetings between attorneys and clients, performed intake calls where clients describe their housing issues, and observed mediations in which an individual attempts to save her/his home, my vocabulary has been flooded with terms whose meanings and significance were previously foreign to me. My ignorance of terminology such as foreclosure, mortgage, equity, title, deed, affidavit, short sale, under-water, loss mitigation, modification, bankruptcy, and so on signaled my lack of understanding of what it means to own a home, retain that ownership, and what happens when that ownership is compromised or threatened.
My ignorance of home-owning, could be attributed to a number of explanations, including the naiveté of youth; whatever the cause, however, the basic question for myself and others who are similarly uninformed is, how do I become educated about home owning, retention, and loss, so that I can figure out what I am signing up for? From whom do I learn what the intricacies and jargon of home owning processes actually mean and require of me? Where do I learn what and when I am entitled to assistance or protections? Follow me on this blog series, “Summer at St. Ambrose”, as I participate in the culture of St. Ambrose, learning not only the answers to housing questions, but also the variety of ways in which St. Ambrose influences community strength by helping to form a foundation of informed and stable homeowners.