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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

The Best Wedding Present


By Staff
  | Jun 27, 2025

 

June is National Homeownership Month, which celebrates the benefits of owning a home and acknowledges the need to make homeownership more affordable and accessible for everyone. In honor of National Homeownership Month, we are sharing the story of our borrowers, Jesse and Alex. 

Jesse and Alejandra (Alex) fell in love after meeting at a football stadium. When they decided to get married, they wanted to start married life in a new home, so they got to work by attending homebuyer education classes. They came to our Fresno, CA, branch and worked with Self-Help Mortgage Loan Officer Sarah Cervantes to discuss their options. Jesse and Alex identified a new construction home they thought would be perfect, but they were worried about being able to afford the down payment.  

Sarah was able to get them qualified for Equity Boost, making the down payment and interest rate more affordable, and the couple settled into their new home just in time for their wedding! On a clear day, they can even see the stadium where they met from their new home.   

Self-Help members, Jesse and Alex, holding a large key shaped-sign that reads

Congratulations, Jesse and Alex!  

Equity Boost 

Many of our borrowers, like Jesse and Alex, are able to take advantage of our Equity Boost loans. These loans are available to first-generation homebuyers and homebuyers with modest incomes. They offer 0% down payment, the ability to finance closing costs into the loan, $2,000 toward a rainy-day fund, and lower mortgage rates. Learn more about Equity Boost or discover all of our affordable home lending options

Homebuying: Where to Start 

At Self-Help, we believe in ownership for all, which is why we’re here to take the mystery out of homebuying. If you’re interested in buying a home, it’s important to start by understanding your credit and how to improve your score. We offer free FICO® credit reviews to help you gain insight into your credit and what the biggest impacts on your score are. If needed, we also offer Credit Builder Loans to help provide you with an opportunity to boost your credit. 

Once you understand your credit, 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. 

Widening the Path to Homeownership 

Learn more about Self-Help's impact, how we’re widening the path to homeownership, how we’re preserving affordable housing, and more in our 2024 Annual Report. Happy National Homeownership Month! 



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