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Points of View: Insight & Perspective


Expertise in Financing to Build Stronger Communities

With our breadth of experience, Self-Help is a solid resource on a wide range of financing and policy issues. We’re happy to share expertise and to help find additional resources on topics such as:


Leadership Profiles

Socially Responsible Investing

Ebony Perkins

Ebony Perkins, Investor and Community Relations Manager

Ebony Perkins is a dedicated, solution-oriented social entrepreneur whose heartbeat is community. She has a demonstrated ability of working with investors and philanthropists to help them make smart and strategic decisions. As Self-Help's Investor & Community Relations Manager, Ebony helps groups and individuals invest funds in a socially responsible financial institution that supports communities of all kinds, especially those underserved by conventional lenders. Before that role, she served as the Donor Relations Manager at Central Carolina Community Foundation where she managed a system to engage and educate over 400 individuals and groups to help them achieve their charitable goals.

Ebony’s commitment to community investing is evident by her service and contributions to Women In Philanthropy, Durham Center for Senior Life, and the University of North Carolina MPA Alumni Board. Ebony was also recognized on the SRI Conference's inaugural 30 Under 30 List.

Ebony holds a Master of Public Administration from the University of North Carolina at Chapel Hill and a Bachelor of Science in Marketing from Claflin University as a summa cum laude graduate. She also has an Executive Certificate in Financial Planning from Duke University.

Nuray Ozbay

Nuray Ozbay, Policy and Impact Investment Associate

Nuray Ozbay leads Self Help’s efforts to cultivate mission-supportive depositors and impact investors within and beyond Self-Help’s California footprint. As a global movement and relationship builder, Nuray loves working with change-makers across non-profit, corporate, and public sectors. Her expertise is in intersectional gender equality, global civil society activism, social justice, and ESG investing. Nuray currently serves as a Board Director at the UN Women San Francisco Chapter and a National Expert on Violence Against Women at the European Women’s Lobby, the largest umbrella organization of women’s associations across Europe. Before joining Self-Help, Nuray spent 11 years in the social impact sector as a researcher, consultant, and non-profit leader across Turkey and Europe, working on issues including but not limited to immigration, women’s access to economy, financial literacy & inclusion, entrepreneurship, and care economy.

Kimberly Jones

Kimberly Jones, Investment Associate

 

 

Kimberly's professional career spans both the nonprofit and community development financial services sectors, with expansive senior leadership roles in arts management; business and resource development; community relations; and corporate philanthropy. Currently, she's Self-Help's Investor Relations Manager, where she helps individuals and institutions align their banking and investments with their mission, vision, and values. Kimberly has held leadership positions that advanced the missions of creative organizations and community development financial institutions seeking to make a difference in communities in their footprint. She has been a founding board member of mission driven organizations that supported the growth and development of young artists, creatives, and professionals in the nonprofit sector.

In 2015, Kimberly was selected to be a PLACES Fellow with The Funders Network, where she explored the role of philanthropy through an equity lens in low to moderate income communities. She has served as a grant/award reviewer for organizations that championed organizational excellence, community development, and environmental sustainability. Kimberly has a BA in Political Science from the University of Minnesota-Morris and an MA in Arts, Entertainment, and Media Management from Columbia College Chicago.

Green Economy; Sustainable Society; Investing for the Environment

Melissa Malkin-WeberSustainability Director

Melissa has worked across a broad span of hands-on sustainability practices. At Self-Help Credit Union, she integrates the triple bottom line into the organization’s financial products, operations, and buildings portfolio. She led Self-Help to realize over $1.7 million in net present value from initiatives in this sector, including $180,000 energy savings in our own operations. Melissa previously directed the residential energy efficiency and indoor air quality research program at Advanced Energy and worked in industrial pollution prevention at RTI International. She earned her law degree from University of Michigan, and her Master's from UNC’s School of Public Health.

Shondra Tanner, Mortgage Lending

Shondra Owens Tanner brings her extensive experience and commitment to making mortgage loans for low-wealth families to her position as Self-Help's Director of Mortgage Originations, where she oversees all North Carolina home loan origination and new business development.  Shondra's areas of expertise includes buying your first home, mortgage basics (documentation, closing costs, down payments), delinquency and loss mitigation (What is a forbearance and loan modification and what does that do to your credit?)

Features and Commentary

Becoming a 20-year-old Homeowner in California


By Staff
  | Oct 24, 2025

Self-Help home loan borrower, Andrea, in her home sitting on her couch smiling

The National Association of REALTORS has reported that the median first-time homebuyer age is around 38 years old as of 2024. With a statistic like that, it can be hard to imagine someone becoming a homeowner at 20 years old (nearly half of the median age), especially in California, where real estate is notoriously expensive. 

Yet, that is what one Self-Help borrower, Andrea, was able to accomplish. 

Andrea lives in Bakersfield, CA, and works for Trader Joe’s. She was looking into houses available in her area, and she decided to submit an inquiry showing her interest in a home even though she wasn’t quite sure if she would qualify.  

The realtor she spoke with was able to connect her to Lourdes Vazquez, one of Self-Help's mortgage loan officers, because they believed Andrea would be a good candidate for our Equity Boost loan product. After working with Lourdes, Andrea was approved for an Equity Boost loan, which meant that she would only be required to put 1% down for her new home! 

Lourdes also connected Andrea with a down payment assistance program. After applying, Andrea was awarded a $17,500 grant for her down payment, meaning she would already have equity in her home.  

After a thorough search for houses in her area, Andrea finally found one that felt just right for her and officially became a homeowner — congratulations, Andrea! 

Save Smarter 

One of the biggest barriers to homeownership is building up enough savings. If you currently keep your savings in a checking or traditional savings account, you might be missing out on an opportunity to easily grow your money, which could be the difference in helping you get to homeownership faster.

Consider moving your savings into an account that earns more interest: 

  • money market account is often considered a hybrid account between checking and savings, allowing you to have easy access to your funds while earning more interest than traditional savings. 

  • term certificate (CD)  is another great option, where you agree to a set term length and interest rate — these accounts usually have high interest rates for your money to grow, but you cannot touch that money until the term length is over unless you're willing to forfeit some of the interest earnings. 

Most financial institutions like Self-Help will offer some version of these types of high-interest accounts, which allow you to make the most of your money. 

Equity Boost  

Self-Help's Equity Boost loans are available to first-generation homebuyers and homebuyers with modest incomes so that borrowers like Andrea can achieve their dreams of homeownership. These loans offer 0% down payment, the ability to finance closing costs into the loan, $2,000 toward a rainy-day fund, and lower mortgage rates.  

Ownership for All 

At Self-Help, we believe in ownership and economic opportunity for all, especially for underserved communities, which is why we are so grateful to be able to support first-time homeowners like Andrea in achieving their dreams. 



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