PHFA Annual Report 2003 - Pennsylvania Housing Finance Agency

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14 JAY KNOWS HOW TO BRING A TEAM TOGETHER. HE LEARNED IT ON THE BASKETBALL COURT. No important goal can be accomplished without people working together. Building construction is no exception. Jay Hausher supervises PHFA multifamily construction sites and is no stranger to teamwork. He’s the coach of his eleven-year-old daughter’s basketball team. He juggles his weekends the way most people do, with his family. He tries not to bring work home with him, even though he always brings home to work. He brings his commitment to helping others, his enthusiasm to get the job done, and his appreciation for the success that results when people pull together. Jay Hausher is typically American. He is a husband, a father, and a brother. And on Saturday mornings he is a coach and an inspiration. And proudly, he is a part of PHFA. Jay Hausher, Senior Technical Services Representative Jay draws on a wealth of experience to make sure that PHFA-financed multifamily rental developments are soundly built and correctly maintained. He is on-site at all critical stages of construction, and realizes that because of what he does, thousands of Pennsylvanians will enjoy decent, safe housing for many decades to come. PHFA-financed multifamily rental developments are imaginatively designed, well constructed, and prudently managed. They provide decent, safe, and enduring places to live for older adults, families of modest means, and persons with disabilities.
16 THE AMERICAN DREAM IS THE SAME FOR EVERYONE. IN ANY LANGUAGE. When someone has a question about a PHFA program, Rosa Roque usually has the answer, often in Spanish. But there is more to Rosa than meets the eye. Married, she is the proud mother of a Chihuahua, a Doberman, and a twelve-pound cat. She spends weekends with her husband, time with her close-knit family, and works ambitiously on her many interests. Whether it’s restoring a late-model muscle car or casting a line in the Susquehanna River, Rosa is a picture of every day middle America. But her distinguishing traits of patience, caring, and understanding come to work with her. They follow her to each meeting and sit beside her for every phone call. Rosa is a wife, a sister, and a daughter. She works hard for her family. She is compassionate. She is real. She is talented. Rosa is all of this, both at home and at PHFA. Rosa Roque, Mortgage Servicing Specialist She counsels homeowners and helps them stay current with mortgage obligations. Rosa lets them know of the many opportunities that the Agency makes available. She wants borrowers to understand that their relationship with PHFA is not that of opponents facing each other, but rather a cooperative arrangement between responsible parties. The appreciation in value of their homes is the way most Pennsylvanians build wealth.
Page 1 and 2: We are husbands and wives, mothers
Page 3 and 4: 2003 HIGHLIGHTS In 2003, the Pennsy
Page 5 and 6: 7 Annual Report 2003 SONYA DOESN’
Page 7: 12 NOTHING FINE-TUNES YOUR ABILITY
Page 11 and 12: 19 BEFORE THERE’S A HOME THERE’
Page 13 and 14: fig. 1 fig. 2 fig. 3 fig. 4 fig. 5
Page 15 and 16: 28 29 FINANCIAL ANALYSIS MANAGEMENT
Page 17 and 18: 32 33 Debt Administration At year-e
Page 19 and 20: 36 37 Statements of Revenues, Expen
Page 21 and 22: 40 41 Statements of Cash Flows (in
Page 23 and 24: 44 45 PHFA has presented the statem
Page 25 and 26: 48 49 Investments The Agency catego
Page 27 and 28: 52 53 Changes in the allowance for
Page 29 and 30: 56 57 Interest (in thousands of dol
Page 31 and 32: 60 61 The Closing Cost Subsidy is a
Page 33 and 34: 64 65 Net pension obligation Beginn
Page 35 and 36: 68 69 STAFF OF THE PENNSYLVANIA HOU
Page 37: 211 North Front Street Harrisburg,

PHFA Annual Report 2003 - Pennsylvania Housing Finance Agency

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