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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

Bringing the Family Together


By Staff
  | Dec 19, 2025

For many people, the holidays are often associated with home. Home is what you make it, but we know that finding the right living space to call your own can make a difference in your health, happiness, and safety while giving you and your loved ones the gift of generational wealth. 

In this blog post, we are sharing Demetre’s journey from stressful living to creating a more comfortable home for his family. 

A photo of Demetre, a Self-Help member,
        leaning on a motorcycle in the driveway of his home

Demetre works for the city of Winston-Salem building stages and hockey arenas. He was living in a rental house with leaking water and no insulation, resulting in expensive energy bills without resolution from his landlord.  

He decided that buying a house was the best way to get out of his living situation and came to Self-Help to see what steps he would need to take to qualify for a mortgage.  He talked to Maria, a Self-Help loan officer, who was able to explain the homebuying process to Demetre in a way that was easy to understand. To Demetre’s surprise, Maria was also able to pre-qualify him for a mortgage loan right away. He even got the approval on his birthday – talk about a great gift! 

Demetre expected that he would owe quite a bit upfront and was prepared to bring his checkbook to closing. However, he was shocked to find out that he qualified for our Equity Boost for First Generation loan product, allowing him to get into his new home with only a 1% contribution to total costs. Now, Demetre is so excited to have a space of his own to host family events and do more activities with his kids. 

Equity Boost   

Self-Help's Equity Boost loans are available to first-generation homebuyers and homebuyers with modest incomes so that borrowers like Demetre 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.   

Home for the Holidays 

At Self-Help, we believe in ownership and economic opportunity for all and focus on finding better ways to support historically marginalized communities. If you need support on your homebuying journey, consider connecting with one of our financial coaches, who can help you develop a personalized plan to save, build credit, and get ready to apply for a mortgage.  

You can also follow our guide on how the homebuying process works. It doesn’t have to be complicated, but it’s important that you have financial coaches, loan officers, and realtors on your side who are willing to help you through each step. 

We are so grateful to be able to support first-time homeowners like Demetre in achieving his dreams and hope that he and his family are feeling comfortable in his new home for the holidays! 



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